Privacy Policy

Effective date: March 26, 2026

This Privacy Policy explains how ABCM Connect ("we", "us", "our") collects, uses, stores, protects, and discloses information when you use the ABCM Connect VTU Portal mobile application, website, and related services available through app.abcmconnect.com.

By using the ABCM Connect VTU Portal, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

Depending on how you use the app, we may collect the following information:

• Account Information: name, phone number, email address, username, and login credentials.
• Transaction Information: records of airtime, data, cable TV, electricity, exam PIN, and other VTU-related purchases made through the app.
• Payment Information: payment references and transaction status. We do not store full debit/credit card details on our own servers unless clearly stated in the payment flow.
• Device and Log Information: IP address, app version, browser type, device type, operating system, access times, and diagnostic logs.
• Customer Support Information: messages, complaint details, screenshots, or other information you provide when contacting support.
• Optional Information: any additional data you voluntarily submit through forms, promotions, referrals, or surveys.

2. How We Use Your Information

We use the information we collect to:

• Create and manage your account.
• Provide VTU and bill payment services.
• Process transactions and send receipts or service notifications.
• Verify users and prevent fraud, abuse, or unauthorized activity.
• Respond to customer support requests and resolve disputes.
• Improve app performance, user experience, and security.
• Comply with legal, regulatory, and law enforcement obligations.

3. Legal Basis and Consent

Where required by applicable law, we process your personal data based on one or more of the following:

• Your consent.
• The need to perform a contract or provide requested services.
• Compliance with legal obligations.
• Our legitimate interests, such as fraud prevention, platform security, and service improvement.

4. Data Sharing and Disclosure

We do not sell your personal information.

We may share your information only in the following cases:

• With payment processors and financial service providers to complete transactions.
• With telecom, utility, education, and service partners required to fulfill your orders.
• With trusted technical service providers that help us host, operate, secure, or support the app.
• When required by law, regulation, court order, or lawful government request.
• To protect our rights, users, systems, and services from fraud, abuse, or security threats.
• In connection with a merger, acquisition, restructuring, or asset transfer, subject to applicable legal safeguards.

5. Data Retention

We keep personal information only for as long as necessary to provide our services, maintain transaction and support records, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer required, we delete it or anonymize it where reasonably possible.

6. Data Deletion and User Rights

You may request to:

• Access the personal data we hold about you.
• Correct inaccurate or incomplete data.
• Delete your account and personal data, subject to legal and transaction-retention requirements.
• Withdraw consent where processing is based on consent.

To request account or data deletion, contact us using the details in the Contact Us section below. We may ask you to verify your identity before processing your request.

7. Security of Your Information

We use reasonable administrative, technical, and organizational safeguards to protect your information against unauthorized access, loss, misuse, alteration, or disclosure. These may include secure connections, access controls, monitoring, and restricted administrative access.

However, no internet transmission or storage system is completely secure, and we cannot guarantee absolute security.

8. Children's Privacy

Our services are not directed to children under the age of 13, or any higher minimum age required by applicable law in your country. We do not knowingly collect personal information from children without appropriate authorization. If you believe a child has provided us with personal data, please contact us so we can take appropriate action.

9. Third-Party Services and Links

The app may contain links to third-party websites, payment gateways, or services. We are not responsible for the privacy practices, content, or security of those third parties. We encourage you to review their privacy policies before providing any information.

10. Cookies and Similar Technologies

Our website and web-based portal may use cookies, session storage, or similar technologies to keep you signed in, remember preferences, improve functionality, analyze traffic, and enhance security.

11. International Data Processing

If you access our services from outside the country where our servers or providers are located, your information may be transferred to and processed in other jurisdictions, subject to appropriate safeguards.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. Continued use of the app after any update means you accept the revised policy.

13. Contact Us

If you have questions, complaints, or privacy-related requests, contact:

ABCM Connect
Website: https://app.abcmconnect.com
Email: abcmtech247@gmail.com