Your privacy matters to us.
This Privacy Policy explains how SUBMATA collects, uses, protects and shares information when you use our platform for bill payment services.
Privacy Policy
At SUBMATA, we respect your privacy and are committed to protecting your personal data. We collect only the information necessary to deliver our services safely and reliably.
Information we collect
Depending on the service you use, we may collect your name, phone number, email address, transaction details, wallet details, meter number, decoder/smartcard number, exam PIN delivery details, bank account information for airtime-to-cash, device information and support messages.
Airtime and data services
For airtime top-up and data bundles, we collect the phone number, selected network, selected plan, amount and transaction reference needed to process and confirm the service.
Cable TV and electricity
For cable TV and electricity bill payment, we may collect decoder/smartcard number, customer ID, meter number, payment amount and other details required by the service provider.
Exam PINs
For exam PIN purchases, we may collect your phone number or email address so the PIN or confirmation can be delivered to you.
Airtime to cash
For airtime-to-cash requests, we may collect transfer details and bank account information required to verify and complete the transaction.
How we use your information
We use collected information to create and manage accounts, process transactions, verify payments, provide customer support, prevent fraud, improve services and comply with legal or regulatory obligations.
Sharing of information
Your information will never be sold. We only share data when necessary to process transactions securely through service providers, payment processors, technology partners, fraud-prevention partners, or when required by law.
Data security
We use reasonable safeguards such as secure payment gateways, access controls and transaction monitoring to protect your data. However, no digital platform can guarantee absolute security.
Data retention
We keep transaction and account records for as long as required to provide our services, resolve disputes, prevent fraud and meet legal or accounting obligations.
Contact
For privacy questions, contact us at support@submata.com.
User Policy
By using SUBMATA, you agree to use the platform responsibly and provide accurate information for all transactions.
Accurate information
You must provide correct and up-to-date details for every transaction, including phone numbers, meter numbers, decoder numbers, smartcard numbers, customer IDs and bank details.
User responsibility
You are responsible for confirming all transaction details before submitting payment. SUBMATA may not be responsible for losses caused by incorrect information entered by the user.
Payments and refunds
Transactions are non-refundable once successfully processed, except in cases of proven system error, failed delivery or provider-confirmed reversal. Refund handling may depend on third-party provider confirmation.
Prohibited activities
You must not use stolen payment methods, false identity, fake documents, fraudulent transfer details, unauthorized accounts or any activity that violates the law.
Account suspension
Fraudulent, suspicious or abusive activity may result in account restriction, suspension, reversal review and legal action where necessary.
Service availability
Service availability may vary due to network providers, electricity distribution systems, payment processors, maintenance, downtime or external factors beyond SUBMATA's control.
Changes to services
SUBMATA may update services, fees, pricing, features or policies from time to time. Important updates may be communicated through official platform channels.
Support and disputes
For support, users should provide transaction reference, account details and a clear description of the issue. Continued use of SUBMATA constitutes acceptance of this User Policy.