Effective Date: 06 February 2026

Top Up and Get Reward Limited (“we”, “our”, or “us”) operates the website https://topupandgetreward.com, the TopUpAndGetReward Android application, and the TopUpAndGetReward iOS application (collectively, the “Service”).

This Privacy Policy describes how we collect, use, store, disclose, and protect personal information when you access or use our website or mobile applications. By using the Service, you consent to the practices described in this Privacy Policy.

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1. Scope of This Privacy Policy

This Privacy Policy applies to:

• Visitors and registered users of topupandgetreward.com
• Users of the TopUpAndGetReward Android app
• Users of the TopUpAndGetReward iOS app
• All related services and communications provided by Top Up and Get Reward Limited

2. Information We Collect

a. Personal Identification Information

We may collect personal information when you:

• Create or manage an account
• Complete identity verification (KYC)
• Perform transactions, top-ups, or withdrawals
• Contact customer support

This information may include:

• Full name
• Email address
• Phone number
• National Identification Number (NIN)
• Account login credentials (passwords are securely hashed)

b. Financial Information

For users who request withdrawals or payouts, we may collect:

• Bank name
• Bank account number
• Account holder name

We do not store card PINs or sensitive banking authentication data.

c. Website Usage Information

• IP address
• Browser type and version
• Pages visited and time spent
• Referring URLs
• Device and operating system information

d. Mobile App Usage & Device Information

• Device model and operating system
• App version and build number
• Unique device identifiers
• Log files and crash reports
• App interaction analytics

e. Cookies and Similar Technologies

• Maintain secure sessions
• Improve website functionality
• Analyze traffic patterns
• Prevent fraud and unauthorized access

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3. How We Use Your Information

• Provide and maintain the Service
• Create and manage user accounts
• Verify user identity
• Process transactions and rewards
• Prevent fraud and abuse
• Communicate service updates
• Comply with legal obligations

4. Legal Basis for Processing

• User consent
• Performance of a contract
• Legal and regulatory compliance
• Legitimate business interests

5. Third-Party Services

We may use third-party providers such as:

• Google Play Services
• Apple App Store services
• Firebase Analytics
• Payment processors
• Identity verification providers
• Cloud hosting services

6. Data Sharing and Disclosure

We do not sell or rent personal data.

We may share information:

• With service providers for operations
• With banks for payouts
• For legal compliance
• For fraud prevention

7. Data Retention

We retain personal information as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

8. Data Security

We use safeguards such as:

• Access controls
• Encryption where appropriate
• Secure storage practices

No system can be 100% secure, but we take reasonable measures to protect user data.

9. Children’s Privacy

The Service is not intended for individuals under 13. We do not knowingly collect personal data from children.

10. User Rights

You may have rights to:

• Access your data
• Request corrections
• Request deletion
• Withdraw consent
• Deactivate your account

11. Mobile App Permissions

Our apps may request:

• Internet access
• Notifications

Permissions are used only to support app functionality.

12. App Store Compliance

• Android app complies with Google Play policies
• iOS app complies with Apple App Store requirements
• Data usage is properly disclosed

13. Changes to This Privacy Policy

We may update this policy from time to time. Continued use of the Service indicates acceptance of any changes.

14. Contact Information

Top Up and Get Reward Limited
Email: info@topupandgetreward.com
Website: https://topupandgetreward.com