Introduction

Welcome to Golala Solutions, a product of Golala Limited ("Golala Solutions", "we", "our", or "us"). We value your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your information when you use our website, www.golalabill.com, our mobile application, and related services, including Airtime, Data, Power, Internet, Cable, Toll, Bank Transfer, Virtual Account, and other digital payment services in Nigeria (the "Services").

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

Information We Collect

We may collect and process the following categories of information:

1. Personal Information

Contact Details: Name, email address, phone number, and physical address.

Account Details: Username, login details, account preferences, and information required to create and manage your account.

Payment Information: Bank account details, card information, virtual account details, wallet information, transaction references, and other payment details required to process transactions.

2. Non-Personal Information

Device Information: IP address, browser type, operating system, device type, device identifiers, and other technical data.

Usage Information: Information about how you use our website, mobile application, and Services, including pages visited, time spent, features used, and interactions with our platform.

3. Transaction Information

We collect details of transactions carried out through our Services, including transaction type, amount, payment method, beneficiary details, wallet activity, transaction status, timestamps, and transaction references.

4. Identity Verification and Face Data

When required for Know Your Customer (KYC), fraud prevention, account security, or regulatory compliance, Golala Solutions may ask users to complete identity verification. This may include capturing a selfie image, identity document image, and/or liveness verification image or video.

Face data is used only to verify the user’s identity, confirm liveness, prevent fraud, comply with legal or regulatory requirements, and protect the user’s account. Face data may be processed by our identity verification provider, Smile ID, for verification purposes.

Golala Solutions does not use face data for advertising, tracking, profiling, analytics, or unrelated purposes. We do not sell, rent, or trade face data.

Face data and verification results are retained only for as long as necessary to complete verification, meet legal or regulatory obligations, prevent fraud, resolve disputes, and maintain platform security.

5. Cookies and Tracking Technologies

We may use cookies, web beacons, and similar technologies to improve user experience, enhance functionality, remember user preferences, support security, and understand how our Services are used.

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process payments, complete transactions, provide wallet services, and operate our Services efficiently.
• Account Management: To create, verify, maintain, and manage user accounts.
• Identity Verification: To complete KYC checks, verify user identity, confirm liveness, and prevent impersonation or fraudulent activity.
• Communication: To respond to inquiries, send service updates, transaction notifications, security alerts, and notify you of changes to our Services or policies.
• Security and Fraud Prevention: To monitor activity, detect suspicious transactions, prevent fraud, protect users, and maintain the security of our platform.
• Analytics and Improvement: To understand usage patterns, improve performance, fix issues, and develop new features.
• Legal and Regulatory Compliance: To comply with applicable laws, regulations, court orders, regulatory obligations, and contractual requirements.

Sharing Your Information

We do not sell, rent, or trade your personal data. However, we may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors, consultants, and service providers who support our operations, including payment processing, wallet services, fraud prevention, hosting, analytics, customer support, and technical services.
• Identity Verification Providers: With Smile ID and related verification service providers where needed to complete KYC, liveness checks, fraud prevention, and identity verification.
• Payment and Financial Partners: With banks, payment processors, card networks, payment gateways, and other financial service providers where required to complete transactions.
• Legal and Regulatory Requirements: Where disclosure is required by law, regulation, court order, regulatory authority, law enforcement request, or other valid legal process.
• Business Transfers: In connection with a merger, acquisition, restructuring, financing, sale of assets, or transfer of part or all of our business.
• With Your Consent: Where you have expressly agreed to such sharing.

Data Security

We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, disclosure, alteration, loss, misuse, or destruction. These measures may include encryption, secure payment gateways, firewalls, access controls, fraud monitoring, and secure data storage.

However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal data only for as long as necessary to provide our Services, complete transactions, meet legal and regulatory obligations, resolve disputes, prevent fraud, enforce our agreements, and maintain platform security.

Identity verification data, including face data where applicable, is retained only for as long as necessary to complete verification, comply with legal or regulatory obligations, prevent fraud, resolve disputes, and maintain platform security.

Account Deletion

You may request deletion of your account by contacting support@golalabill.com.

After a valid account deletion request is received, deletion of associated data may take up to 90 days, subject to legal, regulatory, fraud-prevention, transaction record, dispute resolution, or other legitimate record-keeping obligations.

Please note that some information may need to be retained where required by law, regulation, financial reporting obligations, anti-fraud controls, or to protect the rights and security of Golala Solutions and its users.

Your Privacy Rights

Depending on applicable law, you may have the following rights regarding your personal data:

• Access: Request access to the personal data we hold about you.
• Correction: Request correction of inaccurate, incomplete, or outdated information.
• Deletion: Request deletion of your personal data, subject to legal, regulatory, fraud-prevention, transaction record, or contractual obligations.
• Objection: Object to the processing of your personal data in certain circumstances.
• Restriction: Request that we restrict the processing of your personal data in certain circumstances.
• Data Portability: Request transfer of your personal data to another service provider where applicable.
• Withdraw Consent: Withdraw consent where processing is based on consent, subject to any legal or regulatory requirements.

To exercise any of these rights, please contact support@golalabill.com.

Third-Party Links

Our website, mobile application, or Services may contain links to third-party websites or services. We are not responsible for the privacy practices, policies, security, or content of those third parties. Please review their privacy policies before providing any personal information.

Children’s Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that personal data from a child has been collected inadvertently, we will take reasonable steps to delete it promptly.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page together with an updated effective date or revision date.

Your continued use of our Services after such changes are posted constitutes your acceptance of the revised Privacy Policy.

Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

Golala Solutions
Email: support@golalabill.com
Website: www.golalabill.com
Support: support.golalabill.com