Privacy Policy
Last updated: October 26, 2026
This policy explains how Bixif (“we”, “us”) collects, uses and protects your personal information when you use our VTU app and website.
Information we collect
- Account details, such as your name, phone number and email address.
- Transaction details, such as the services you buy, amounts, recipients and receipts.
- Device and usage information, such as device type, app version and error logs.
- Payment confirmations from our payment partners. We do not store your full card details.
How we use it
- To create and secure your account and process your purchases.
- To send receipts, service messages and support replies.
- To detect fraud, prevent abuse and meet legal obligations.
- To improve the app and fix problems.
Who we share it with
We share only what is needed with telecom operators, utility and TV providers, payment processors and infrastructure providers so your orders can be completed. We may also disclose information when the law requires it. We do not sell your personal information.
How long we keep it
We keep your information for as long as your account is active and as long as needed to meet legal, accounting and security requirements.
Security
We use reasonable technical and organizational measures to protect your data, including PIN-protected transactions. No system is completely secure, so please keep your PIN private.
Your rights
Under applicable Nigerian data protection law, including the Nigeria Data Protection Act 2023, you may ask to access, correct or delete your personal information, or object to certain processing. Contact us to make a request.
Children
Bixif is not intended for anyone under 18, and we do not knowingly collect their information.
Changes
We may update this policy from time to time. The date above shows the latest version.
Contact
Questions about this policy? Email legal@bixif.com.
Terms and Conditions
Last updated: October 26, 2026
By creating an account or using Bixif, you agree to these terms. If you do not agree, please do not use the service.
Eligibility
You must be at least 18 years old and able to enter a binding agreement to use Bixif.
Your account
You are responsible for the accuracy of your details and for keeping your PIN and login secret. Tell us right away if you think your account has been accessed without permission.
Our services
Bixif lets you buy airtime, data, electricity, cable TV subscriptions, exam pins and similar services. These are fulfilled with the help of third-party providers, and their availability and prices may change.
Wallet and payments
You can fund your Bixif wallet through the payment methods shown in the app. Please check the recipient number, meter number or smart card number before you confirm, because completed orders sent to a wrong number may not be reversible.
Failed transactions and refunds
If a transaction fails and you were charged, the amount will be returned to your wallet or resolved through support once we confirm the failure. Contact support if you do not see the resolution.
Acceptable use
- Do not use Bixif for fraud, money laundering or any unlawful activity.
- Do not attempt to disrupt, reverse engineer or gain unauthorized access to the service.
- Do not resell the service in ways we have not approved.
Availability
We aim to keep Bixif available at all times, but delays or outages can happen, including those caused by network operators and other providers.
Limitation of liability
To the extent the law allows, Bixif is not liable for indirect or consequential losses, or for failures caused by third-party providers or events outside our control.
Suspension and termination
We may suspend or close accounts that break these terms or put other users or the service at risk. You can stop using Bixif at any time.
Governing law
These terms are governed by the laws of the Federal Republic of Nigeria.
Changes
We may update these terms. Continuing to use Bixif after an update means you accept the new version.
Contact
Questions about these terms? Email legal@bixif.com. See also our Privacy Policy.