BREMA SUB Privacy Policy

Last updated: August 27, 2026

1. Introduction

Welcome to BREMA SUB, a digital services application developed and operated by BREMA CONCEPTS LTD.

BREMA CONCEPTS LTD ("BREMA", "we", "us", or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, protect and, where necessary, share your personal information when you use the BREMA SUB mobile application, website and related services.

This Privacy Policy applies to users of BREMA SUB within Africa and describes the information we process in connection with services including airtime, mobile data, bill payments, cable television subscriptions, wallet services and supported identity verification services.

2. Developer and Data Controller

The developer and operator of BREMA SUB is:

3. Information We Collect

Depending on the services you use, BREMA SUB may collect and process the following categories of personal information:

• Identity Information: This may include your first name, last name, username and other information used to identify your account.
• Contact Information: This may include your telephone number, email address and other contact information you provide.
• Account Information: This may include your account credentials, profile information and information required to manage your BREMA SUB account.
• Transaction Information: This includes information relating to airtime, data, electricity, cable television, wallet funding, verification services and other transactions performed through BREMA SUB.
• Payment Information: Information relating to payments, payment references, transaction status and payment records. Payment card or banking information may be processed directly by authorized third-party payment providers.
• Verification Information: Where you request supported NIN/NIMC or BVN verification services, we may process the information necessary to submit and complete the requested verification.
• Technical Information: This may include device type, operating system, application version, IP address, network information, device identifiers and technical logs where necessary.
• Support Information: Information you provide when contacting our customer support team, including messages, enquiries and contact details.

4. How We Collect Your Information

We may collect information directly from you or through authorized service providers when you:

• Create or update a BREMA SUB account.
• Log in and use the application.
• Purchase airtime or mobile data.
• Pay electricity or other supported bills.
• Purchase cable television subscriptions.
• Fund or use your BREMA SUB wallet.
• Request NIN/NIMC or BVN verification services.
• Contact customer support.
• Use our website or application.
• Interact with technical features of the application.

5. How We Use Your Personal Information

We use personal information for legitimate and necessary purposes, including:

• Creating and managing your BREMA SUB account.
• Authenticating your account and protecting it against unauthorized access.
• Processing airtime and mobile data purchases.
• Processing supported electricity and other bill payments.
• Processing cable television subscriptions.
• Managing wallet funding and transactions.
• Providing requested NIN/NIMC and BVN verification services.
• Processing and confirming transactions.
• Providing customer support.
• Detecting and preventing fraud and unauthorized activities.
• Maintaining and improving the security, functionality and performance of BREMA SUB.
• Complying with applicable legal and regulatory obligations.

6. NIN/NIMC and BVN Verification Services

BREMA SUB may provide access to supported identity verification services, including NIN/NIMC and BVN verification services.

When you request a verification service, the information required to process your request may be transmitted to the relevant authorized verification or service provider.

Verification information is processed for the purpose of providing the verification service requested by you and for other lawful purposes where required or permitted by applicable law.

You must only provide personal information that you are authorized to provide and must use verification services for legitimate and lawful purposes.

7. Sharing of Personal Information

We may share or transmit relevant personal information where necessary to provide the services you request, operate the platform, protect users or comply with legal obligations.

Depending on the service being used, relevant information may be shared with authorized:

• Payment and payment-processing providers.
• Telecommunications service providers.
• Data service providers.
• Cable television service providers.
• Electricity and utility service providers.
• Identity and verification service providers.
• Hosting and technology service providers.
• Government, regulatory or law-enforcement authorities where legally required.

BREMA CONCEPTS LTD does not sell users' personal information to third parties.

8. Payment Information

BREMA SUB may use authorized third-party payment providers to process payments and wallet funding.

Where payment information is processed directly by a third-party payment provider, that provider may process the information according to its own privacy policy and applicable security requirements.

BREMA SUB may retain transaction references, amounts, payment status and other transaction records necessary for transaction processing, reconciliation, customer support and account history.

9. Data Security

BREMA CONCEPTS LTD takes reasonable technical and organizational measures to protect personal information against unauthorized access, disclosure, alteration, loss or destruction.

Access to personal information is limited to authorized employees, contractors, service providers and other parties who reasonably need access to perform their authorized functions.

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

10. Data Retention

We retain personal information only for as long as reasonably necessary to provide our services, maintain transaction records, resolve disputes, prevent fraud, comply with legal or regulatory requirements and enforce applicable agreements.

When personal information is no longer required, we will take reasonable steps to delete, anonymize or securely dispose of it, subject to applicable legal and regulatory retention requirements.

11. Your Privacy Rights

Subject to applicable law, you may have the right to:

• Request access to personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of personal information where legally permitted.
• Request restriction of certain processing activities.
• Withdraw consent where processing is based on consent.
• Object to certain processing where permitted by law.

To exercise an applicable privacy right, please contact BREMA CONCEPTS LTD using the contact information provided in this Privacy Policy. We may need to verify your identity before processing your request.

12. User Consent

Where applicable law requires consent for the processing of personal information, BREMA SUB will request your consent before the relevant processing begins.

Consent must be provided through a clear affirmative action. For example, during account registration, users may be required to actively select an unchecked checkbox confirming that they have read and agree to this Privacy Policy before completing registration.

Where applicable, you may withdraw your consent at any time. Withdrawal of consent does not affect processing that was lawfully carried out before consent was withdrawn.

13. Cookies and Similar Technologies

Our website may use cookies and similar technologies where necessary for website functionality, security, preferences, analytics and other legitimate purposes.

You may control cookies through your browser settings. Disabling certain cookies may affect the functionality of some website features.

14. Children's Privacy

BREMA SUB is not intended to knowingly collect personal information from children in violation of applicable laws. If you believe that a child has provided personal information to us without appropriate authorization, please contact us so that we can take appropriate action.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements or privacy practices.

Where appropriate, we will notify users of material changes through the BREMA SUB application, our website or other appropriate communication channels.

16. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or wish to exercise an applicable privacy right, please contact us: