Country addendum
Nigeria terms.
Effective 2026-05-01. Read alongside the master Terms of Service and the Data Processing Agreement.
This addendum captures the country-specific regulator, licensing, and data-protection references that apply to use of the Vantage platform in Nigeria. It does not replace the master Terms; in case of conflict, this addendum prevails for Nigeria processing only.
- Data protection regulator
- Nigeria Data Protection Commission (NDPC)
- Nigeria Data Protection Act 2023 (NDPA)
- Financial regulator
- Central Bank of Nigeria (CBN) under the microfinance bank framework (Unit T1/T2, State, National), Payment Service Bank (PSB), and Mobile Money Operator (MMO) regimes
- Agriculture and commodity oversight
- Federal Ministry of Agriculture & Food Security, NAFDAC (agro-input certification), National Agricultural Seeds Council (NASC)
Country-specific terms
- Vantage registers with the NDPC as a Data Processor of Major Importance (DPMI) and supports partners with DCMI/DPMI registration where required.
- Card programmes are routed through a CBN-licensed PSSP / PTSP partner under the cards interoperability rules.
- NTA 2025 (Nigeria Tax Act) withholding-and-collection rules on non-resident digital suppliers apply from 1 January 2026 — invoicing reflects this where applicable.
- Nigeria exited the FATF grey list at the October 2025 plenary; standard customer due diligence applies.
Other active countries: Zimbabwe, Kenya, South Africa, Botswana, Zambia.