Data Policy

  • Mobile Policy

    Under the Nigeria Data Protection Regulation 2019 (NDPR), We at Grubies Payments Limited takes our customers' data with explicit consent to use their information.

  • Data Consent

    We would like to hold and use your information for the purposes set in the Data Processing Notice which require consent in accordance with the Privacy Policy

Our Data Policy

QoreSys mobile application is a product of Grubies Payments Limited, We recognize your privacy is important and this Policy explains our privacy practices on our website [] (the “Site”).

This Policy also explains what information we collect about our customers and how we use this information. This Privacy Policy is designed to be read in connection with the Platforms’ Terms of Use.

By accessing or using our Platforms, you hereby agree with the method of collection, use, disclosure and processing of your Personal Information as described in this Privacy Policy and the Terms of Use.

For the purposes of clarity, “we,” “us,” “our,” the “Company” refers to Grubies Payments Limited, the “Services” refer to the use of any of the financial services or products on any of the Platforms. “User,” “customer,” or “subscriber,” refers to consumers of the Services. “Personal Information,” or “Personal Data,” means any information that identifies or can be used to identify a User, directly or indirectly, including, but not limited to name, email address, mobile number, photograph, bank details or IP address.

Your use of the Platforms and/or registration for the Services constitutes your consent to the terms of this Privacy Policy. If you do not agree, you can withdraw your consent at any time but please note that the Company will not be able to provide you with its services.

The Company reserves the right to amend this Privacy Policy at any time. When it does, the Company will also revise the “last updated” date at the top of this Privacy Policy.

the Company will notify you by email regarding material changes to this Privacy Policy that will affect information collected from you in the future. However, the Company will not notify you in certain circumstances, such as in connection with investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order. However, the Company may notify Users of such circumstances upon request by the User in permissible circumstances.

You may withdraw your consent for collection, use and disclosure at any time by sending an email using the Company’s contact details on the ‘Contact Us’ page on the Site. Please note that, if you withdraw your consent for collection, the Company may suspend its provision of Services to you.

By continuing to access and use the Services, you are deemed to have accepted the changes to the provisions of this Privacy Policy. If you provide Personal Information of any third party to the Company, we assume that you have obtained the required consent from the relevant third party to share and transfer his/her Personal Information to us.

Collection of Personal Information.

All information supplied by Users of the Services as defined under the Terms of Use is covered by the provisions of Constitution of the Federal Republic of Nigeria 1999 (as amended), Nigerian Data Protection Regulation 2019 (NDPR) and other extant laws and regulations regulating the use and management of personal data.

Voluntarily Submitted Data: When you sign up for the Company’s Services, pay for a subscription, consult with our customer service team, send us an email, post on our blog or communicate with us in any way, you are voluntarily giving us information that we process, including, but not limited to; name, username, email address, mobile number, IP address, credit card information, bank information, and purchase history. By submitting this information, you consent to its’ collection, usage, disclosure, and storage by us, as described in our Terms of Use and in this Privacy Policy.

Automatically Collected Data: When you use the Services or browse any of our Platforms, we may collect information about your visit, your usage of the Services, and/or your web browsing; which may include your IP address, operating system, device type, operating system, browser ID, browsing activity, and other information about how you interacted with our Websites or Mobile Applications. We may collect this information as a part of log files or through the use of cookies or other tracking technologies. Our use of cookies is discussed more in our Cookie Policy accessible at

Service Usage Data: We may receive information about how and when you use the Services, store it in log files or other types of files associated with your account, and link it to other information we collect about you. This information may include, for example, your IP address, time, date, browser used, and actions you have taken within the Website or Mobile Applications. This type of information helps us to improve our Services for both you and for all of our users.

Cookie Data: The Site uses cookies. Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are useful because they allow a website to recognize a User’s device. And, to do a lot of other tasks, you may see examples below. You can find more information about cookies at: and We use strictly necessary cookies, analytical/performance, functionality and targeting/advertising cookies on the Platforms. These cookies may allow:
Strictly necessary – us remember of any of the features and services you use such as savings, fixed deposit, bill payment, tap and pay amongst others.
Functionality– us to remember choices you make to improve your experience (such as your username, age classification etc.); Advertising or targeting – third party advertising companies to display advertisement more relevant to you and your interests. As part of their services, they will place a separate cookie on your computer to help them precisely target advertising to you. These third-party advertising companies do not collect personally identifiable information and;
Analytical or Performance – us or/and third-party partners collect anonymous information including but not limited to performance and website improvement. This may include web analytics, error management and testing designs.

Mobile Application Data: When you use our Mobile Applications, we may collect certain information in addition to information described elsewhere in this Policy. For example, the type of device and operating system you use. We may ask you if you want to receive push notifications. If you have opted in to these notifications and no longer wish to receive them, you may turn them off through your device’s operating system. We may use mobile analytics software to better understand how people use our application. We may collect information about how often you use the application and other performance data.

Purposes of Collecting Personal Information

We collect Personal Information for the following reasons:

For Promotional Purposes: This includes sending you emails relating to the merits of a product, service, brand or issue. You can stop receiving our promotional emails by following the unsubscribe instructions included in every email we send, or by adjusting your Marketing Preferences in your profile. This data is processed in accordance with consent under the NDPR and extant data protection laws.

For Billing Purposes: This includes sending you emails, invoices, receipts, notices of delinquency, and alerting you if we need a different credit card number. We use third parties for secure credit card transaction processing, and we send billing information to those third parties to process your orders and credit card payments. This data is processed in accordance with consent and third-party data processing contract requirements under the NDPR and extant data protection laws.

To Provide and Improve Our Services. This includes, for example, aggregating information from your use of the Services or visit to our Platforms and sharing this information with third parties to improve our Services. This might also include sharing your information with third parties in order to provide and support our Services. When we do have to share Personal Information with third parties, we take steps to protect your information by requiring these third parties to enter into a contract with us that requires them to use the Personal Information we transfer to them in a manner that is consistent with this policy. This data is processed in accordance with consent and third-party data processing contract requirements under the NDPR and extant data protection laws.

For Account and Support Communication: For example, we may inform you of subscription payment successes or failures, password reset attempts, and other support-related functions. This data is processed in accordance with consent under the NDPR and extant data protection laws. For Platform Alerts: For example, we may inform you of temporary or permanent changes to our Services, such as pricing changes, planned outages, new features, version updates, releases, abuse warnings, and changes to our Privacy Policy. This data is processed in accordance with the contract requirements under the NDPR and extant data protection laws.

For Legal Purposes: For example, complying with court orders, valid discovery requests, valid subpoenas, to prosecute and defend a court, arbitration, or similar legal proceeding. To respond to lawful requests by public authorities, including to meet national security or law enforcement requirements. To provide information to representatives and advisors, including attorneys and accountants, to help us comply with legal, accounting, or security requirements. This data is processed in accordance with legal obligation under the NDPR and extant data protection laws.

For Transfer Purposes: In the case of a sale, merger, consolidation, liquidation, reorganization, or acquisition. In that event, any acquirer will be subject to our obligations under this Privacy Policy, including your rights to access and choice. We will notify you of the change either by sending you an email or posting a notice on our Website.

This data is processed in accordance with legal obligation under the NDPR and extant data protection laws.

Disclosure Of Personal Information

The Company will not disclose any of your Personal Information to anyone else, except: to its employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting on its behalf for any of the identified purposes;

Data Transfer

For the purpose of providing the Services, the Company (through the Platforms) processes information about our Users on servers located in a number of countries.

The Company may also subcontract processing or sharing of information to third parties located in other countries, other than your home country. Also, such information may be transferred to another company if the need arises. Therefore, information may be transferred across international borders outside the country where you use our services, including to countries that do not have laws providing specific protection for personal data or those that have different legal rules on data protection.

We will only transfer Personal Information outside the country upon compliance with the provisions of any applicable law in relation to transfer of Personal Information outside Nigeria.

BVN data shall be stored within Nigeria and shall not be routed across borders without the consent of the Central Bank of Nigeria (CBN).

By this Privacy Policy, you hereby explicitly and contractually consent to the transfer of your Personal Information by the Company as contemplated herein.

Data Security

We transmit and store the information we collect using standard security techniques. However, given the nature of the internet and the fact that network security measures are not fool proof, we cannot guarantee the security of such information. Weprotect your Personal Information by:

  • restricting access to the Personal Information;
  • maintaining technology products to prevent unauthorized computer access;
  • securely destroying your Personal Information when it is no longer needed for any legal or business purpose.
  • using state of the art Secure Socket Layer (SSL) encryption technology when processing your financial details.
  • Your password is the key to your account. Please use unique numbers, letters and special characters, and do not share your password to anyone. If you do, you will be responsible for all actions taken in the name of your account and the consequences. If you lose control of your password, you may lose substantial control over your Personal Information and other information submitted to us. You could also be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason or if you have grounds to believe that your password has been compromised, you should immediately contact us and change your password.

  • As a safety measure, you are required to log off from your account and close the browser after using a shared computer. Should a security breach occur, the Company will notify all affected customers as soon as is reasonably possible, and later may file a report with the appropriate authorities on the actions we took if the need arises.

    Customers' Data

    We understand that every data collected via the app is being used to confirm customer's identity and this data may be processed or stored outside of the borders of Nigeria and we hereby consent to this.

    We are aware that if any changes to the preferences, request that the customers' data may be edited, deleted or withdrawn, We would contact our third party for further review of changes.

  • Full Name;
  • Date of Birth
  • ID Number;
  • Gender
  • Image & Address
  • Bank Verification Number
  • Phone Number
  • E-Mail