Legal
Privacy policy
What we collect, why we collect it, and how we protect it.
Last updated: October 2026 · Pre-launch version
1. Summary
Topapa collects the minimum data needed to issue token loans and recover them: your meter number, your phone number, and the details of loans and repayments. We do not sell your data. We do not ask for bank details — the service works entirely over Mobile Money and electricity purchases.
2. What we collect
- Meter number — to issue tokens to the right meter and to track open loans. Meter numbers are location-based; a meter’s loan history belongs to the meter.
- Phone number (MSISDN) — as your identity on the service and for USSD loans.
- Transaction records — loan amounts, repayment amounts, provider references and timestamps. These form the financial record of the service.
- Early access enquiries — if you email or call to join early access, we keep your name, phone number and area only to contact you when Topapa launches; ask us at info@topapa.app and we will delete it.
- Basic technical logs — to keep the service secure and available, including rate limiting and abuse prevention.
3. How we use it
- To issue, track and recover token loans.
- To enforce one open loan per meter.
- To detect and prevent fraud and abuse.
- To meet our legal and record-keeping obligations.
4. What we don’t do
- We don’t sell or rent your personal data.
- We don’t request your Mobile Money PIN — no legitimate Topapa flow will ever ask for it.
- We don’t run advertising trackers on this site.
5. Sharing
Data will be shared with UEDCL and mobile money providers once integrated, only as needed to issue and recover loans. We may disclose data where required by law.
6. Security
Traffic is encrypted in transit (TLS), the database is access-controlled and firewall-isolated on our own infrastructure, administrative access is authenticated, and backups are taken daily with retention limits.
7. Your rights
You can ask what data we hold associated with your meter or phone number, request corrections, and ask about the loans recorded on your meter. Write to us at info@topapa.app and we will respond within a reasonable period.
8. Changes
As the service grows — for example when National ID (NIN) verification is introduced for web and mobile accounts — this policy will be updated here.
9. Contact
Privacy questions: info@topapa.app.