Privacy Policy

• Account data: full name, email, phone number, date of birth, country and @username.
• KYC data: National Identification Number (NIN) and NIN slip/card image for Tier 1; Nigerian bank account details (via bank name-enquiry lookup) for Tier 2; and additional identity documents where required for higher tiers or enhanced due diligence. We no longer collect BVN as a primary KYC signal.
• Financial data: wallet balance, ledger entries, deposits, withdrawals, referral earnings, loan balances and scheduled payments.
• Transaction data: VTU purchases, bill payments, international airtime/data, eSIM orders, exam pins, marketplace gift-card and stablecoin trades, beneficiary phone numbers, meter numbers, cable smartcard numbers, and transfer references.
• Communications: in-app support messages, receipt notes, notification preferences, newsletter subscriptions and email unsubscribe events.
• Device & usage data: IP address, device model, browser type, session identifiers, approximate location and login timestamps — used for fraud prevention and single-session enforcement.
• Security & audit data: authentication events, admin actions, KYC decisions, refund/reversal/freeze/block reasons and other compliance audit entries.

• To create and secure your Century account, wallet, loans and reserved bank account.
• To process VTU, bill, international, marketplace and transfer transactions through licensed telecom, utility, banking and payment partners.
• To verify your identity (NIN, bank account matching, address) and enforce KYC tier limits.
• To operate scheduled payments, VTU credit (loans), referrals, daily check-in rewards and admin broadcasts.
• To comply with CBN, EFCC, NFIU and NDPA obligations, including sanctions screening, transaction monitoring and suspicious-activity reporting.
• To detect and prevent fraud, chargeback abuse, account takeover, unauthorised transactions and multi-account abuse, including freezing accounts and blocking individual transactions where necessary.
• To send transactional messages (receipts, KYC decisions, security alerts, scheduled-payment outcomes, admin broadcasts) and — with your consent — newsletters and product updates.
• To improve the app through anonymised usage analytics.

• Contract: to deliver the wallet, VTU, loans, marketplace and related services you signed up for.
• Legal obligation: to meet CBN, NFIU and NDPA record-keeping, KYC and reporting duties.
• Legitimate interest: fraud prevention, credit risk assessment, network security and service improvement.
• Consent: for optional marketing emails, newsletter subscriptions and non-essential analytics cookies. You may withdraw consent at any time.

We share limited data, on a need-to-know basis, with:

• Telecom operators (MTN, Airtel, Glo, 9mobile) to deliver airtime, data and eSIM purchases.
• Disco, cable and utility partners (IKEDC, EKEDC, DStv, GOtv, Startimes and others) to deliver tokens, subscriptions and bill payments.
• Licensed payment gateways, reserved-account and settlement banks that process wallet funding and payouts.
• Identity verification providers for NIN and bank name-enquiry lookups (KYC only).
• Credit bureaus and collections partners where you take a VTU credit / loan facility, in line with CBN rules.
• Exam-pin providers for those specific purchases.
• Cloud hosting, email delivery, push-notification and communications providers under written data-processing agreements.
• Regulators, courts and law enforcement where required by Nigerian law.

We do not sell your personal data.

We apply industry-standard controls: TLS in transit, encryption at rest, row-level access controls, single-session enforcement, OTP-based sign-in, optional 2FA, transaction PIN for sensitive actions, and audit logging on all sensitive operations (including admin freezes, transaction blocks, refunds and reversals). No system is 100% secure — please protect your password, transaction PIN and OTP, and report suspicious activity to support immediately.

We retain account, KYC and transaction records for the period required by CBN, NFIU and NDPA regulations (typically at least 5 years after account closure or the last transaction, whichever is later). Security audit logs, including freeze and block decisions, are retained for the same period. Marketing preferences are kept until you unsubscribe.

• Access, correct, or export your personal data.
• Request deletion of data we are not required to retain by law.
• Withdraw consent for marketing at any time via the unsubscribe link or in-app settings.
• Lodge a complaint with the Nigeria Data Protection Commission (NDPC) if you believe your rights have been violated.

To exercise any right, email privacy@century.ng.

We use strictly necessary cookies for session management and optional analytics cookies to understand how the app is used. You can control cookies through your browser settings; disabling essential cookies will prevent sign-in.

Users under 13 are not permitted. Users aged 13–17 require valid international passport verification and parental consent, in line with NDPA 2023.

Some processors (e.g. cloud infrastructure and email delivery providers) operate outside Nigeria. Where this happens, we rely on adequacy decisions or contractual safeguards recognised by the NDPC.

We may update this Policy from time to time. Material changes will be communicated by email or in-app notification at least 7 days before they take effect.

Powered By Century.
Century VTU · Ado-Ekiti, Ekiti State, Nigeria
Data Protection Officer: privacy@century.ng
Support: centurycryptos@gmail.com · WhatsApp 07033654759