Privacy Policy

Effective Date: March 2026

1. Introduction

Welcome to SellaPay. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our Virtual Top-Up (VTU) services, or engage with the SellaPay Wallet and Salary systems.

By accessing or using SellaPay, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not use our services.

2. Information We Collect

To provide you with a seamless and secure digital utility experience, we collect the following types of information:

A. Personal Identification Information

  • Basic Details: Your full name, email address, and phone number provided during registration.
  • Financial Data: Your saved bank account details used for withdrawing your SellaPay Salary and referral earnings.
  • Next of Kin: Name, phone number, and relationship status of your designated Next of Kin.

B. KYC & Verification Data

To comply with Nigerian financial regulations and unlock higher daily transaction limits (Tier 2 and Tier 3), we collect:

  • Bank Verification Number (BVN) or National Identity Number (NIN).
  • Utility Bills (e.g., NEPA bills) for proof of address.
  • Live Video Verification data used exclusively for anti-fraud identity checks.

C. Transaction Data

  • Records of data bundles, airtime, and cable TV subscriptions purchased.
  • Wallet funding history and withdrawal requests.
  • Beneficiary phone numbers you top-up using our platform.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To Provide Services: To process your VTU transactions, route data to backup providers via our Failover Engine, and manage your Wallet and Salary balances.
  • To Secure Your Account: To verify your identity through our KYC tiers and prevent fraudulent transactions.
  • To Communicate: To send you daily email receipts (if enabled), transaction alerts, password resets, and customer support responses.
  • To Personalize Experience: To power platform features like the Voice Assistant and Dark Mode preferences based on your browser’s local storage.

4. How We Share Your Information

SellaPay does not sell, rent, or trade your personal information. We only share information in the following limited circumstances:

  • Service Providers: We securely share necessary transaction data (like a target phone number) with our Tier-1 VTU API partners to successfully deliver your data or airtime.
  • Legal & Regulatory Compliance: We may disclose information to law enforcement or regulatory bodies in Nigeria if required by law, to enforce our terms, or to protect against fraud.

5. Data Security

We implement bank-grade administrative, technical, and physical security measures to protect your personal information. Your transaction PINs and passwords are encrypted. While we use advanced security engines to protect your SellaPay Wallet, please remember that no method of transmission over the internet is 100% secure. You are responsible for keeping your login credentials and Transaction PIN confidential.

6. Your Privacy Choices

You have full control over your account preferences via the My Profile dashboard:

  • Daily Emails & Voice Assistant: You can toggle these features on or off at any time.
  • Data Updates: You can update your bank account details, Next of Kin, and passwords directly in your profile.
  • Account Deletion: You may request the deletion of your account and personal data by contacting our support team, subject to our legal data retention obligations.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our technology or legal requirements. We will notify you of any significant changes by updating the “Effective Date” at the top of this policy or via an email notification.

8. Contact Us

If you have questions or comments about this Privacy Policy, or if you need to report a security concern, please contact our support team:

  • Live Support: Available via the “Live Support” link in your SellaPay Profile.
  • Email: