Privacy Policy

1. Introduction

At MTN.2BD, we respect your personal privacy and are committed to safeguarding the data you share with us. This Privacy Policy details how we collect, utilize, disclose, and secure your personal data when you use our website, mobile application, customer portal, or agent distribution channels.

2. Information We Collect

We only collect information necessary to fulfill digital orders, authenticate user accounts, and provide high-quality support:

• Account Data: When registering as an agent or customer, we collect your full name, email address, and Ghanaian phone number.
• Transaction & Recipient Data: Beneficiary recipient phone numbers for data bundle top-ups, order sizes, transaction dates, and unique transaction references.
• Payment Records: Payment status, Paystack reference codes, and billing amounts. (See Section 3 for card and Mobile Money safety details).
• Technical Data: IP address, device type, browser specifications, and server log timestamps collected automatically for fraud detection and platform reliability.

3. Payment Information & Paystack Security

4. How We Use Your Information

We process your data for lawful business purposes including:

• Automating the electronic dispatch of data bundles to telecom carriers.
• Sending transactional receipts, SMS notifications, and OTP security codes.
• Facilitating agent wallet balances, wholesale rates, and payout processing.
• Investigating delayed orders, verifying complaints, and processing legitimate refunds.
• Protecting against fraud, unauthorized account access, and abusive system usage.

5. Data Sharing and Third Parties

We do not sell, rent, or trade your personal data to advertisers or unrelated third parties. We share data strictly with trusted service partners required to deliver our services:

• Telecom Gateways: Transmitting recipient MSISDNs to upstream carrier interfaces (MTN Ghana, Telecel Ghana) for bundle provisioning.
• Payment Providers: Sharing transaction amounts and identifiers with Paystack for payment settlement and dispute handling.
• Communications Providers: Utilizing SMS gateways (Hubtel) and email infrastructure (Google Workspace / Resend) solely to transmit your receipts, login OTPs, and support alerts.
• Regulatory Authorities: Where legally mandated under the laws of the Republic of Ghana or court order.

6. Data Retention and Security

We enforce industry-standard administrative, technical, and physical safeguards. All communication between your device and our servers is secured with Transport Layer Security (TLS 1.3). Sensitive customer tokens are stored using salted cryptographic hashing.

Transactional records are retained for auditing, tax compliance, and reconciliation purposes for the statutory periods mandated by Ghanaian financial regulations.

7. Your Legal Rights (Ghana Data Protection Act, 2012)

Under Act 843 of Ghana, you have enforceable rights regarding your personal information:

• Right to request confirmation of the personal data we hold about you.
• Right to request the correction or update of inaccurate personal data.
• Right to request erasure of your data, subject to regulatory retention obligations.
• Right to object to direct marketing communications at any time.

To exercise any of these rights, contact our Data Protection Team at support@mtn.2bd.net | mtn.2bd.net@gmail.com.

8. Cookies and Browser Storage

We use strictly necessary cookies and browser local storage to maintain user authentication sessions, remember your visual theme preference (dark/light), and secure your checkout flow. We do not use third-party cross-site advertising trackers.

9. Contact Us

If you have questions regarding this Privacy Policy or wish to file a privacy concern, please contact: