Privacy Policy
TPREDMARKET TECHNOLOGY AFRICA LIMITED (“TPredMarket”, “we”, “us” or “our”) respects the privacy of people who use our website, applications, prediction markets, TALKS community, creator services and related features (collectively, the “Platform”).
1. Introduction
This Privacy Policy explains how we collect, use, store, protect, disclose and otherwise process personal information when you visit the Platform, create an account, participate in predictions, make transactions, publish content or contact us.
We operate primarily from Nigeria and may serve users in other jurisdictions, subject to applicable laws and feature availability.
This policy is intended to comply with applicable data-protection requirements, including the Nigeria Data Protection Act 2023 and other laws that apply to our processing activities.
By using the Platform, you acknowledge this policy. Where applicable law requires consent for a particular processing activity, we will seek that consent separately. This policy does not replace any consent or other lawful basis required by law.
2. Personal information we collect
The categories of information we may collect depend on the features you use, your verification status and applicable legal requirements.
2.1 Account and profile information
We may collect:
- Name and username.
- Email address and phone number.
- Date of birth.
- Profile picture, biography and other profile details you choose to provide.
- Account settings and preferences.
- Account status and relevant support records.
Some information is necessary to create and maintain an account. If you do not provide information required for a particular feature, we may be unable to provide that feature.
2.2 Identity and age-verification information
Where identity verification or enhanced checks are required, we may process:
- National Identification Number (NIN) verification information.
- Government-issued identity documents.
- Selfies or photographs used for identity matching.
- Date-of-birth and age-verification information.
- Verification results, status, reference numbers and relevant audit records from third-party verification providers.
The precise information collected will depend on the verification method and the feature involved.
Where a provider performs verification on our behalf, it may process information under its own applicable privacy obligations. We will explain relevant provider involvement where required.
We will not claim that we collect a complete copy of your NIN or identity document in every case. The information actually collected depends on the implemented verification process.
2.3 Financial and transaction information
When you use payment, wallet, subscription or prediction features, we may process:
- Deposit and withdrawal records.
- Account balances and transaction histories.
- Prediction positions, stakes and settlements where applicable.
- Bank account details or virtual account numbers needed to facilitate transactions.
- Payment references, transaction identifiers and payment status.
- Verification and reconciliation information supplied by payment providers.
- Subscription status, billing history and related records.
Payment providers may process certain payment credentials directly. We will not claim to store complete card details or other payment credentials unless our actual systems do so.
2.4 Platform activity and user-generated content
We may collect or process:
- Predictions, positions and market participation history.
- TALKS posts, comments, likes, follows and creator activity.
- Search history and feed interactions.
- Support requests and messages you send to us.
- App usage, diagnostic information, crash reports and performance logs.
- Reports of abuse, suspected fraud, market disputes and appeals.
Content you publish publicly or share with other users may be visible to those users according to the Platform’s features and settings. Public content should not be assumed to be confidential.
2.5 Technical and device information
We may collect IP addresses, login records, device information, browser or application details, timestamps, security events and other technical information needed to operate, secure and troubleshoot the Platform.
Cookies, local storage, analytics tools and similar technologies may be used where implemented. Their specific use, purposes and available controls will depend on our actual configuration and applicable law.
We will provide any additional notices or consent controls required for non-essential cookies or similar technologies.
2.6 Information from third parties
Depending on the feature and lawful basis, we may receive information from payment processors, banks, identity-verification providers, fraud-prevention services, hosting providers or other authorised partners.
We may use these records to verify transactions, establish eligibility, detect fraud, maintain account security and comply with legal obligations.
We do not intend to collect more information than is reasonably necessary for the relevant purpose.
3. How we use personal information
We may use personal information for the following purposes:
- Account operations: registering users, authenticating logins, managing profiles and providing requested services.
- Payments and transactions: processing eligible deposits, withdrawals, subscriptions, refunds and settlements.
- Identity and eligibility checks: confirming age, identity, account ownership and eligibility for restricted features.
- Security and fraud prevention: detecting account compromise, payment fraud, manipulation, abuse and other suspicious activity.
- Market integrity: administering prediction markets, reviewing evidence, investigating disputes and correcting material errors.
- Community operations: displaying user-selected profile information, supporting TALKS features and moderating content.
- Personalisation and improvement: understanding feed interactions, diagnosing errors, improving performance and developing Platform features.
- Customer support: responding to questions, complaints, account issues and privacy requests.
- Legal and regulatory compliance: maintaining required records, responding to lawful requests and meeting applicable reporting or compliance obligations.
- Service communications: sending account notices, security alerts, policy changes, payment updates and other essential operational communications.
We will not treat your consent as the only possible lawful basis for all processing. Depending on the circumstances, processing may be necessary to perform a contract, comply with a legal obligation, protect vital interests, pursue a lawful legitimate interest or satisfy another lawful basis recognised by applicable law.
Where processing depends on consent, you may withdraw that consent, subject to the legal consequences and any other lawful basis that independently applies.
5. Public information and community content
Certain Platform features are designed for interaction between users.
Your username, profile information, creator activity, posts, comments and other content may be visible to other users or the public, depending on the feature and its settings.
Before publishing content, consider whether it contains private information about you or another person.
We may retain copies of content where reasonably necessary for security, moderation, dispute resolution, legal compliance or backup purposes, even after it is removed from public display.
This does not give us an unrestricted right to use private content for unrelated purposes.
6. Cookies, analytics and similar technologies
We may use cookies or similar technologies to:
- Maintain sessions and account security.
- Remember settings and preferences.
- Understand Platform performance and usage.
- Diagnose errors and improve reliability.
- Detect suspicious activity.
The specific technologies and third-party tools used will depend on our implemented configuration.
Where required by law, we will obtain consent before using non-essential tracking technologies. You may be able to control cookies through your browser or available Platform settings, although disabling certain technologies may affect functionality.
Third-party analytics or infrastructure providers may process technical information in accordance with their applicable terms and privacy obligations.
7. Data retention and account deletion
We retain personal information only for as long as reasonably necessary for the purposes described in this policy, subject to applicable law.
Retention periods vary depending on the type of information and the reason it is held.
For example:
- Account information may be retained while your account remains active and for a reasonable period afterward.
- Transaction, accounting and compliance records may need to be retained after account closure to meet legal obligations, resolve disputes or maintain required records.
- Identity-verification records may be retained for the period necessary to meet verification, security and legal requirements.
- Security logs and fraud-prevention records may be retained for a period proportionate to the relevant risks and obligations.
- Backups may continue to contain information until they expire or are securely overwritten through our ordinary backup lifecycle.
Where information is no longer needed and no lawful retention ground applies, we will take reasonable steps to delete it or irreversibly anonymise it.
You may request account deletion by contacting support@tpredmarket.online.
We may need to verify your identity before processing a request. Deletion may not be immediate if we must first settle eligible outstanding transactions, investigate a security issue or comply with a lawful retention requirement.
Where we retain information after a deletion request, we will limit its use to the applicable lawful purpose.
8. Your privacy rights
Subject to applicable law, you may have the right to:
- Be informed about how your personal information is processed.
- Access personal information we hold about you.
- Correct inaccurate or incomplete information.
- Request erasure where the applicable legal conditions are satisfied.
- Restrict processing in circumstances recognised by law.
- Object to certain types of processing where a right to object applies.
- Data portability, where applicable.
- Withdraw consent where processing is based on consent.
- Challenge certain automated decisions, where applicable.
- Complain to a competent data-protection authority, including the Nigeria Data Protection Commission where it has jurisdiction.
These rights are not absolute. Certain requests may be limited by legal obligations, the rights of other people, fraud prevention, legitimate retention requirements or other lawful exceptions.
To exercise a right, contact support@tpredmarket.online with the subject line “Privacy Rights Request”. Tell us what you are requesting and provide enough information for us to identify the relevant account.
We may ask for proportionate verification before disclosing, correcting or deleting personal information.
We will respond within the time required by applicable law. Where a request cannot be fully granted, we will explain the applicable reason to the extent legally permitted.
9. Data security
We use reasonable technical and organisational measures designed to protect personal information against unauthorised access, disclosure, alteration, loss or destruction.
Depending on the system and information involved, safeguards may include access restrictions, authentication controls, encryption, secure transmission, logging, backups, security monitoring and staff confidentiality obligations.
Access to sensitive identity and financial information should be limited to authorised individuals and services with a legitimate operational need.
No online service, database, network or transmission method can be guaranteed to be completely secure. We therefore cannot promise that unauthorised access or data loss will never occur.
If a personal-data incident occurs, we will assess it and take the steps required by applicable law, which may include containment, investigation, notification to the relevant authority and communication with affected individuals.
10. International data transfers
Although TPredMarket operates from Nigeria, some hosting, cloud infrastructure, security, analytics, payment or identity-verification providers may process personal information outside Nigeria.
Where personal information is transferred internationally, we will take the steps required by applicable data-protection law. Depending on the circumstances, these may include assessing the destination country’s protections, using an appropriate transfer instrument or contractual safeguards, and meeting other applicable requirements.
The use of an international provider does not remove our responsibility to assess and manage the privacy risks of the processing for which we are responsible.
Where required by law, we will provide further information about relevant transfer arrangements.
11. Children’s privacy
TPredMarket is intended for individuals aged 18 and above.
We do not knowingly permit individuals under 18 to use the Platform as account holders. Where an age check is required, we may request additional information or restrict access until eligibility is established.
If we discover that an account belongs to a person under 18 in violation of this policy, we may suspend or close the account and take appropriate steps regarding the associated information, subject to legal obligations.
If you believe a minor has provided personal information to us, contact support@tpredmarket.online.
12. Automated processing and personalisation
We may use automated systems to support account security, fraud detection, feed personalisation, content moderation, verification workflows and Platform operations.
Automated flags or recommendations may not always be accurate. Where applicable law provides a right to challenge a decision or request human intervention, you may contact us through the channels provided in this policy.
We will apply any additional transparency, review or consent requirements that are legally applicable to significant automated decisions.
13. Third-party websites and services
The Platform may link to external websites or integrate services operated by third parties.
This Privacy Policy does not automatically govern a third party’s independent processing of your information. You should review the privacy information provided by the relevant service before sharing information with it.
Our use of a third-party provider on our behalf does not remove any obligations TPredMarket has under applicable law.
14. Changes to this Privacy Policy
We may update this policy to reflect changes to the Platform, our data-processing practices, our service providers or applicable legal requirements.
We will publish the updated policy and revise the “Last updated” date. Where required, we will provide additional notice or obtain consent before implementing a material change.
We encourage you to review this policy periodically.
15. Contact and complaints
For privacy questions, data-access requests, correction requests, deletion requests or concerns about how your information is handled, contact:
If you are dissatisfied with our handling of a privacy request, you may have the right to complain to the competent data-protection authority, including the Nigeria Data Protection Commission where applicable.