TeraPlus VTU

Privacy Policy

Airtime · Data · Bills · Digital Services

Welcome to TeraPlus ("TeraPlus", "we", "us", or "our"). This Privacy Policy explains how we collect, use, disclose, protect, retain, and delete information when you use the TeraPlus mobile application or visit https://teraplus.com.ng.

What TeraPlus does: TeraPlus is a Virtual Top-Up (VTU) and digital services application. It brings supported airtime and mobile data purchases, utility and subscription payments, recharge PIN products, and identity-verification or document services into one platform. An in-app balance is provided to help customers fund and pay for services available in TeraPlus; it is not intended to be a standalone bank account or savings product.

1. Services Available Through TeraPlus

Depending on provider availability and the features enabled in your version of the app, TeraPlus may support:

• Airtime and mobile data: purchasing airtime and supported data plans for available Nigerian mobile networks, which may include MTN, Airtel, Glo, and 9mobile.
• Utility and subscription services: supported electricity payments or tokens and cable television subscriptions, which may include DStv, GOtv, and StarTimes.
• Education products: supported examination result-checking tokens or related products, such as WAEC, NECO, or NABTEB, where available.
• Recharge PINs and vouchers: purchasing or generating supported recharge PINs or voucher products and downloading or printing related records.
• Identity verification and documents: supported NIN and BVN verification, demographic or phone-based verification where available, and generation or download of supported NIN slips, BVN-related slips, or identity-card documents.
• Account funding and in-app balance: adding funds through the payment methods or virtual-account options made available in the app, then using the available balance to purchase supported TeraPlus services.
• Transaction records: viewing transaction status or history and generating or downloading receipts for supported transactions.
• Referral features: if enabled, viewing a referral link or referral rewards and related records.

Not every product is available to every customer at all times. Availability may depend on service providers, account eligibility, technical availability, and applicable requirements. TeraPlus does not represent itself as a bank or savings institution.

2. Information We Collect

The information processed depends on which features you choose to use.

2.1 Account and contact details

• Name, phone number, email address, and account identifier, where provided.
• Authentication and account-security information, including securely handled password or transaction-PIN verification data.
• Account preferences and customer-support messages you send to us.

2.2 Purchase and transaction information

• Recipient phone numbers and selected mobile network for airtime or data.
• Selected data plan, product, amount, provider, transaction reference, status, and date/time.
• Meter numbers, decoder or smartcard numbers, customer references, or other details needed to fulfil a bill or subscription request.
• Payment or funding references and relevant transaction records.
• Receipts, voucher records, and information needed to investigate failed or disputed transactions.

2.3 NIN, BVN, and verification information

If you choose an identity verification or document service, we may process the identifying details you submit or that are required by the relevant verification provider. This may include a NIN, BVN, phone number, name, date of birth, or other matching details required for the requested service. Such information should only be requested when necessary for the service you selected and handled with appropriate safeguards.

2.4 Funding and payment information

When you fund your TeraPlus account, we may process the amount, date, payment status, transaction reference, and virtual-account or payment-provider reference associated with that funding. Payment credentials such as card details are handled by the relevant payment provider when applicable; we do not claim to store full payment credentials unless our systems actually do so.

2.5 Technical and usage information

Our app, hosting provider, or security services may process technical information such as IP address, device model, operating-system and app version, diagnostic logs, timestamps, and security events to keep the service operating, troubleshoot faults, and prevent misuse.

3. How We Use Information

We use information where needed to:

• create and manage customer accounts and secure access;
• process airtime, data, utility, subscription, voucher, and other supported orders;
• record account funding and apply available funds to purchases within TeraPlus;
• submit verification requests and provide the result or document requested by the customer;
• show transaction history, status updates, and receipts;
• provide customer support and investigate failed, delayed, or disputed transactions;
• prevent fraud, unauthorised access, abuse, and technical problems;
• maintain service reliability and improve the app;
• administer referral features and related rewards if those features are enabled;
• comply with applicable legal, accounting, security, and regulatory obligations.

We do not sell personal information. We do not use information for a purpose incompatible with this policy without an appropriate legal basis and, where required, your consent.

4. Wallet or In-App Balance

TeraPlus includes an in-app balance feature to enable customers to fund their account and pay for supported VTU and digital services within the platform. The balance helps customers complete purchases and view relevant funding and purchase records. TeraPlus is primarily a VTU services application; the in-app balance is a supporting payment feature and is not described as a bank deposit, interest-bearing savings account, or standalone banking product.

When funding or using the balance, the app may process transaction amounts, payment references, funding status, purchase history, and related account records. Where a virtual account or payment processor is used, the provider may process the information required to route, verify, or reconcile the payment.

5. Sharing Information with Service Providers

We share only information reasonably necessary to fulfil a request, operate the service, or meet a legal obligation. Recipients may include:

• Telecom operators and VTU aggregators to deliver airtime or data.
• Electricity, cable TV, and other bill providers to process the bill or subscription selected by you.
• Payment processors and banking or virtual-account providers to receive, route, verify, or reconcile account funding and payments.
• NIN/BVN and identity-verification providers to perform the verification or generate the document you requested.
• Hosting, technical, and security providers to host the service, maintain reliability, and protect against misuse.
• Legal or regulatory authorities where disclosure is required by law or valid legal process.

These providers may process information under their own terms and privacy policies and may be subject to their own legal obligations. We do not authorise service providers acting for us to use personal information for unrelated purposes.

6. App Permissions

Android permissions are used only where a corresponding feature requires them. Permission availability in a software package does not by itself mean that data is continuously collected.

• Contacts: where enabled, access lets you select a phone number for an airtime or data recipient. The app's contact-selection feature is intended to process contacts locally and not upload or store the entire address book on our servers.
• Notifications: may be used to show transaction updates, funding confirmations, and important service notices if you permit notifications.
• Biometric authentication: if enabled, Android's biometric facility may be used for convenient authentication. Biometric matching is handled by the device; TeraPlus does not receive the fingerprint template through standard Android biometric authentication.
• Files and media: where needed, you may choose to save or download receipts, vouchers, NIN slips, or other supported documents. Access should be limited to the files required for the action you choose.
• Camera: camera access should be used only for a feature that requires capturing or scanning an image or document. If no such feature is offered in the released app, the permission should be removed from the build.
• Microphone, overlay, and contact-writing permissions: these are not described as customer-facing TeraPlus service features in this policy. If they are not required by an enabled feature or a necessary SDK, they should be removed from the app build. If any of them is actually used, this policy and any required in-app disclosure must be updated to explain that use.

You can manage Android permissions in your device settings. Disabling a permission may prevent the related feature from working.

7. Data Security

We use reasonable technical and organisational measures designed to protect personal information from unauthorised access, loss, misuse, alteration, or disclosure. These measures may include secure connections, access controls, authentication protections, and server monitoring, depending on the system involved. No internet transmission or storage method can be guaranteed to be completely secure.

Keep your password and transaction PIN private. TeraPlus support will not ask you to post them publicly. Contact us if you suspect unauthorised access or a transaction you did not request.

8. Data Retention

We retain information for only as long as reasonably necessary to provide services, maintain transaction records, respond to disputes, protect against fraud, and comply with applicable legal or regulatory obligations. Retention periods may differ by data type and service provider.

Where information is no longer needed, we take reasonable steps to delete it or make it no longer identify an individual. Certain transaction, payment, verification, or security records may need to be retained for a legally required period or for legitimate fraud-prevention and dispute-resolution purposes. Any such retention should be limited to what is necessary.

9. Account and Personal Data Deletion

If you created a TeraPlus account, you may request deletion of your account and associated personal information.

In the app

If available in your current version, open Profile → Settings → Delete Account and follow the instructions. The in-app deletion pathway must remain functional for users who can create an account.

On the web or by email

If you cannot access the app, email support@teraplus.com.ng with the subject TeraPlus Account Deletion. Include the phone number or email address associated with your account, but do not send your password or transaction PIN. We may request reasonable verification to protect your account.

After verifying the request, we will delete or anonymise personal information that we are not required to retain, subject to applicable law. Records that must be retained for accounting, transaction disputes, security, fraud prevention, or regulatory compliance may be kept for the required period and used only for the permitted purpose. The web deletion route must be publicly accessible and allow a user to initiate a request without reinstalling the app.

10. Your Privacy Choices and Rights

Subject to applicable law, you may request access to or correction of your personal information, request deletion, or raise a concern about how your information is processed. We may need to verify your identity before fulfilling a request. Contact us using the details in Section 14.

11. Third-Party Links and Services

TeraPlus may link to or integrate with third-party service providers. Their websites and systems are governed by their own privacy notices and terms. We encourage you to review those notices when using an external service.

12. Children's Privacy

TeraPlus is not specifically designed for children. We do not knowingly collect children's personal information in a way prohibited by applicable law. If you believe a child has provided information improperly, please contact us so that we can review the issue.

13. Changes to This Policy

We may update this policy to reflect changes in our services, technology, service providers, or legal obligations. The latest version will be published on this page with a revised date. Material changes will be communicated where required by law.

14. Contact Us

App: TeraPlus VTU

Email: support@teraplus.com.ng

Website: https://teraplus.com.ng

Phone / WhatsApp: 07011049125

For privacy enquiries or account/data deletion requests, contact us using the email above.

This policy should be kept consistent with the features actually enabled in the published TeraPlus app, the app's SDKs, the data collected by its backend, and the answers in Google Play Console's Data safety form.