Privacy Policy

We collect information you provide directly — such as your name, phone number, BVN, government-issued ID, employment details, and home address — when you create an account, complete KYC, or apply for a payment plan.

We also collect device information (model, IMEI, OS version), location data (when permitted), and usage data about how you interact with the OnBuy app and website.

• To verify your identity and assess eligibility for installment plans.
• To process repayments, deliver devices, and provide customer support.
• To enable device-locking on financed phones in case of payment default.
• To detect fraud, comply with regulations, and improve our services.
• To send important account, payment, and service notifications.

We share data with credit bureaus, KYC providers, payment processors (such as Flutterwave), logistics partners, and regulators where legally required. We never sell your personal data to advertisers.

All data is encrypted in transit and at rest using industry-standard encryption. Access to customer data inside OnBuy is restricted on a need-to-know basis and every action is logged for audit.

You may request access, correction, or deletion of your personal data at any time by contacting privacy@onbuy.ng. Note that we may retain certain records as required by Nigerian financial regulations.

We use cookies and similar technologies to keep you signed in, remember preferences, and measure how our site performs. You can disable cookies in your browser, but some features may stop working.

We may update this policy from time to time. Material changes will be communicated via email or in-app notification before they take effect.

Questions? Reach our Data Protection team at privacy@onbuy.ng or visit our contact page.