Cheap Data &
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Made Smart.

Introduction

This Privacy Policy describes how LAM SMART DATA ("we," "us," or "our") collects, uses, processes, and discloses your information, including personal information, in conjunction with your access to and use of our website, mobile application, and VTU services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Services.

Information We Collect

We collect information in the following ways:

1. Information You Provide Directly

• Account registration details (full name, email address, phone number, password)
• Transaction information (phone numbers for airtime/data, smart card numbers for cable TV, meter numbers for electricity)
• Payment information (bank details, card information processed securely through our payment partners)
• Profile information and preferences
• Communications you send to us (support tickets, feedback, emails, WhatsApp messages)

2. Information Collected Automatically

• Device information (phone model, OS version, unique device identifiers)
• Log data (IP address, browser type, pages visited, access times)
• Transaction data (purchase history, amounts, service types)
• Location data (approximate location based on IP address)
• Precise location is never collected without your explicit consent

3. Information from Third Parties

• Telecommunication companies (MTN, Glo, Airtel, 9mobile) for transaction fulfillment
• Payment processors (Paystack, Flutterwave) for transaction confirmation
• Cable TV providers (DSTV, GOTV, StarTimes) for subscription verification
• Electricity distribution companies for token generation

How We Use Your Information

We use the information we collect for the following purposes:

• To process airtime, data, cable TV, and electricity transactions
• To send transaction confirmations, receipts, and delivery notifications
• To maintain and improve our platform and services
• To send technical notices, updates, security alerts, and promotional messages
• To respond to your comments, questions, and customer support requests
• To detect, investigate, and prevent fraudulent transactions
• To comply with Nigerian regulatory requirements (NCC, CBN, NDPC)
• To analyze usage patterns and improve user experience

Information Sharing & Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Partners: Telecommunication companies, cable TV providers, and electricity distributors to fulfill your transactions
• Payment Processors: Paystack, Flutterwave, and banks to process payments securely
• Legal Requirements: When required by Nigerian law, NCC regulations, CBN directives, or court orders
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you have given us explicit permission to share your information

Cookies & Tracking Technologies

We use cookies and similar tracking technologies to track activity on our platform and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• SSL/TLS encryption for all data in transit
• Secure payment processing through PCI DSS compliant payment partners
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Secure storage of transaction data

Your Rights (NDPR & NDPA)

Under the Nigeria Data Protection Regulation (NDPR) and Nigeria Data Protection Act (NDPA), you have the following rights:

To exercise any of these rights, please contact us at privacy@lamsmartdata.com. We will respond within 30 days as required by the NDPA.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, accounting, or reporting requirements under Nigerian law. Transaction records are retained for a minimum of 6 years as required by CBN regulations. Account data is retained for the duration of your account plus 2 years after deletion.

Children's Privacy

Our Services are not directed to children under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18 without parental or guardian consent, we will take steps to remove that information from our servers.

Privacy Contact

For privacy-related inquiries or to exercise your data rights:

Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and LAM SMART DATA ("Company," "we," "us," or "our") governing your access to and use of our VTU platform and services.

By registering an account, purchasing airtime, data, cable TV subscriptions, electricity tokens, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use our Services.

User Accounts

To use our Services, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information (especially phone numbers and email)
• Keep your password confidential and not share it with anyone
• Accept responsibility for all transactions made under your account
• Immediately notify us of any unauthorized access to your account
• You must be at least 18 years old to create an account

Services Description

LAM SMART DATA provides the following VTU (Virtual Top-Up) services:

• Airtime Purchase: VTU airtime for MTN, Glo, Airtel, and 9mobile networks
• Data Purchase: SME and direct data bundles for all Nigerian networks
• Cable TV Subscription: DSTV, GOTV, and StarTimes subscription payments
• Electricity Bills: Prepaid and postpaid electricity token generation for all distribution companies
• Airtime to Cash: Conversion of excess airtime to cash (where available)
• Exam Pins: Purchase of WAEC, NECO, and other examination scratch cards

Pricing & Payments

• All prices are displayed in Nigerian Naira (₦) and are subject to change without prior notice
• Prices may differ from official network prices due to our SME and corporate partnerships
• Payment is required before service delivery
• We accept bank transfers, debit cards, and other payment methods as displayed on the platform
• Payments are processed securely through our accredited payment partners (Paystack, Flutterwave)
• We do not store your card details on our servers

Delivery & Fulfillment

• Airtime and data are typically delivered within 0–30 seconds of confirmed payment
• Cable TV subscriptions are processed within 1–5 minutes
• Electricity tokens are generated within 1–5 minutes
• Delivery times may vary due to network issues from service providers
• If delivery fails, your wallet will be credited automatically or a refund will be initiated within 24 hours

Refund Policy

Refunds are handled on a case-by-case basis under the following conditions:

• Failed Transactions: Full refund if the service was not delivered due to our system error
• Partial Delivery: Proportional refund or re-delivery for partially fulfilled services
• User Error: No refund for transactions failed due to incorrect details provided by the user
• Network Downtime: If a network provider is experiencing downtime, we will retry delivery or issue a wallet credit
• Refund requests must be made within 24 hours of the transaction
• Refunds are processed within 1–5 business days to your bank account or wallet

Acceptable Use

You agree not to:

• Use the platform for any fraudulent or illegal activities
• Use stolen cards, unauthorized bank accounts, or fraudulent payment methods
• Attempt to exploit, hack, or disrupt our platform's systems
• Create multiple accounts to abuse promotions or bonuses
• Use automated bots or scripts to access our services without permission
• Resell our services without authorization
• Provide false or misleading information during registration or transactions

Wallet & Fund Balance

• Your wallet balance is not a deposit, bank balance, or electronic money under CBN regulations
• Wallet balance represents pre-paid credit for use on our platform only
• Wallet balance is non-refundable, non-transferable, and has no expiry (unless otherwise stated)
• We reserve the right to freeze wallet balances suspected of fraudulent activity pending investigation
• Wallet funding must be done through our approved payment channels only

Account Termination

We may suspend or terminate your account immediately, without prior notice, for any of the following reasons:

• Fraudulent transactions or attempted fraud
• Violation of these Terms and Conditions
• Use of unauthorized payment methods
• Abuse of promotions, bonuses, or referral programs
• Account inactivity for 12 consecutive months

You may close your account at any time by contacting our support team. Upon termination, any remaining wallet balance may be forfeited.

Limitation of Liability

Our total liability for any claim shall not exceed the amount you paid for the specific transaction giving rise to the claim, or ₦10,000, whichever is greater. We are not liable for delays or failures caused by third-party service providers (network operators, payment processors, electricity companies).

Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICES.

We do not warrant that: (a) the Services will be uninterrupted or error-free; (b) transactions will always be delivered instantly; (c) pricing will remain constant; or (d) third-party service providers will not experience downtime. Service availability depends on the operational status of MTN, Glo, Airtel, 9mobile, DSTV, GOTV, StarTimes, and electricity distribution companies.

Indemnification

You agree to defend, indemnify, and hold harmless LAM SMART DATA, its directors, employees, and partners from and against any claims, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any laws or regulations; or (d) fraudulent activities conducted through your account.

Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Any disputes shall be resolved as follows:

• Informal Resolution: Contact our support team first to resolve any issues
• Mediation: If unresolved within 14 days, the dispute will be referred to a mediator agreed upon by both parties
• Arbitration: If mediation fails, disputes will be resolved by arbitration in Nigeria in accordance with the Arbitration and Conciliation Act
• Jurisdiction: Any court proceedings shall be within the courts of Nigeria

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email, SMS, or platform notification at least 7 days before they take effect. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable Nigerian law, and the remaining provisions will continue in full force and effect.

Contact Information

For questions about these Terms & Conditions, please contact us: