1. Privacy Policy (NDPA & Meta Compliant)
Effective Date: November 2026
This Privacy Policy explains how Npg Cybertech Ltd ("we", "us", or "our") collects, uses, and protects your information when you use the PadiMi (MyPadi) service via WhatsApp, Telegram, or padimi.ng, strictly conforming to the Nigeria Data Protection Act (NDPA) and Meta's WhatsApp Business Terms.
1.1 Information We Collect
- Profile Data: Phone number, Telegram/WhatsApp ID, chosen username, and language preference.
- Transaction Data: Utility purchases (Data, Airtime, SMM, Electricity) and Virtual Account funding histories.
- Interaction Data: Chat logs and intent histories used strictly for AI copilot routing and service delivery.
1.2 How We Use Your Data
We process your data to execute requested transactions, provide proactive support (e.g., subscription reminders), and improve our conversational AI. We do not sell your personal data to third parties. Your chat history is processed locally or via secured enterprise AI endpoints without being used to train public LLM models.
1.3 Third-Party Services & Meta Compliance
To fulfill services, data is securely shared with trusted partners (e.g., Paystack for payments, BigiSub for utilities). Messages sent via WhatsApp are subject to Meta's privacy protocols. By opting into WhatsApp communications, you acknowledge Meta's secure handling of message delivery.
2. Terms of Service
By interacting with PadiMi on any platform (Telegram, WhatsApp, or padimi.ng), you agree to these Terms of Service.
2.1 User Accounts and Wallets
Users are provided with a dedicated virtual account (DVA). Funds deposited are strictly for purchasing platform utilities. Withdrawals or P2P transfers may be subject to KYC (Know Your Customer) limits as required by the Central Bank of Nigeria (CBN).
2.2 Service Availability & Refunds
While we strive for 100% uptime, external utility APIs (e.g., DisCos, Telcos) may experience downtime. If a transaction fails after a wallet deduction, our system will automatically log a refund to your PadiMi wallet.
2.3 Acceptable Use
Users must not use the bot for fraudulent activities, spam, or money laundering. Violation of these terms will result in an immediate ban and reporting to relevant Nigerian authorities.