Trust & Policy Center

Privacy Policy

This Privacy Policy explains how Porta Digital ("Porta", "we", "us") collects, uses, and protects your information when you use our platform.

Information We Collect

• Account details you provide, such as name, email, phone number and business information
• Identity verification documents submitted for KYC purposes
• Transaction data, including bookings, orders, and wallet activity
• Device and usage data, such as app version, IP address, and general location
• Responses submitted through a Lite Form you fill out, this may include personal information collected on behalf of the form's creator, not just data about you as a Porta account holder

How We Use Information

We use your information to operate your account, process transactions, prevent fraud, comply with legal obligations, and improve the Porta platform. We do not sell your personal information to third parties.

Sharing

We share information only with service providers who help us operate the platform (such as payment processors and identity verification partners), or when required by law.

Your Rights

You can request a copy of your data, ask us to correct inaccuracies, or request account deletion by contacting portadigitalplc@gmail.com. Some information may be retained where required for legal or regulatory reasons.

Security Policy

We apply industry-standard safeguards to protect your account and data across the Porta platform.

• Data is encrypted in transit using TLS and at rest for sensitive fields
• Access to production systems is restricted and logged
• Two-factor authentication is available and recommended for all accounts
• We run regular internal reviews of our systems for vulnerabilities

Reporting a Vulnerability

If you believe you've found a security issue, please report it responsibly to portadigitalplc@gmail.com. Do not publicly disclose an issue before we've had a chance to address it.

Account Security

Keep your password private, enable two-factor authentication, and never share one-time codes with anyone, Porta staff will never ask for your password or OTP.

KYC Policy

Know Your Customer (KYC) verification helps us keep the platform safe and comply with applicable regulations. Verification is required before you can send payments, host paid events, sell on the Marketplace, or withdraw funds.

What's Required

• A valid government-issued ID (national ID, passport, or driver's license)
• A selfie for identity matching
• Proof of address for higher transaction limits or business accounts

Verification Levels

Basic accounts can browse and make limited purchases. Verified accounts unlock full transaction limits, selling, and hosting features. Business accounts may require additional documentation such as a certificate of registration.

As part of verification and ongoing account monitoring, the name and country on your KYC submission are checked against sanctions and other watchlists, see our AML Policy below. We may ask for updated or additional documents at any time to keep your verification current.

Payouts & Balance Holds

When you earn money on Porta as a seller, event host, campaign owner, or Lite Web creator, it's credited to your Porta wallet right away so you can see it, but it isn't immediately withdrawable.

How the Hold Works

• New creator payouts (Lite Shop sales, booking payouts, Lite Fund donations, Lite Web tips and payments) go into a held balance first
• The hold is a standard chargeback-protection window, typically 3 to 7 working days from the date of the sale or payment (5 to 7 working days for Lite Fund donations)
• Once the hold period passes with no dispute, the amount automatically moves to your spendable balance, no action needed on your part
• If a chargeback or successful payment dispute lands on a held amount before it matures, that amount may be voided instead of released

This is a temporary hold on when funds become spendable, not third-party escrow, the money is already reflected as yours in the app the moment a sale or payment is confirmed. We may adjust hold-period lengths platform-wide within a reasonable range to respond to fraud and chargeback trends.

Withdrawals

Once funds are in your spendable balance, withdrawals are still subject to identity verification, our standard processing times, and the transaction monitoring described in our AML Policy below, which may delay, limit, or flag an individual withdrawal for review.

Payment Policy

Porta supports payment via bank transfer, debit/credit card, and your Porta wallet balance.

• All fees are disclosed before you confirm a transaction, there are no hidden charges
• Bank transfers may take a few hours to reflect depending on your bank
• Card and bank payments are processed by Flutterwave, a licensed third-party payment provider, and Porta does not store your full card number
• Wallet top-ups and withdrawals are subject to the limits shown in your account
• Money earned as a seller, host, or creator is subject to a temporary balance hold before it's withdrawable, see Payouts & Balance Holds
• Lite Fund donations include a service fee and a flat processing fee, both added on top of the amount you enter and shown before you confirm, the campaign is always credited your full donation amount

Failed Transactions

If a payment is deducted but a service isn't delivered (a failed bill payment, for example), it's typically reversed automatically within 24 to 48 hours. If it isn't, please report it with your transaction ID.

AML Policy

Porta maintains an Anti-Money Laundering (AML) program designed to detect and prevent the platform from being used for illicit financial activity, including money laundering, terrorist financing, and fraud.

Automated Transaction Monitoring

Withdrawals and other outbound wallet activity are automatically screened using signals such as transaction velocity, account age, and how a transaction compares to an account's own history. Transactions that score as higher risk are held for manual review before they're released, rather than being blocked outright, so a legitimate but unusual transaction isn't treated the same as a suspicious one.

Sanctions & Watchlist Screening

Accounts are screened against sanctions and other watchlists using the identity information provided during KYC verification. Any explicit match, along with any account or wallet address on our internal risk list from prior fraud or chargeback cases, is automatically routed to manual review, it cannot bypass this check. Where our screening coverage for a given case is reduced, for example because no live third-party sanctions data is configured, we log that explicitly rather than treating it as a clean result, and can be configured to require manual review by default until full coverage is in place.

• Transactions are monitored for unusual patterns and may be flagged for manual review before funds are released
• We may request additional information or documentation for certain transactions or accounts
• Accounts found to be involved in fraudulent or illicit activity will be suspended, and relevant authorities may be notified where required by law

We cooperate with regulators and law enforcement in accordance with applicable Nigerian and international law.

Service Providers & Restricted Transfers

Porta uses independent, licensed providers for parts of the platform. Knowing who handles what helps you understand why some transactions are limited or refused.

• Crypto: Bitget powers crypto deposit addresses, withdrawals, trading and conversion
• Stocks: Bitget powers tokenized stock investing
• Fiat payments: Flutterwave processes card payments, bank transfers and payouts

These providers apply their own terms, limits and compliance checks. If a provider pauses or restricts a service, the matching Porta feature may be limited or unavailable until it is restored.

Restricted Jurisdictions for Crypto

Bitget prohibits citizens, residents and entities located in the following countries and regions from using its platform. Because crypto on Porta runs through Bitget, these restrictions apply to all crypto activity on Porta, including crypto deposits, withdrawals, trading, conversion and crypto payments, whether you are paying or receiving.

• Americas: United States (including all U.S. territories), Canada, Cuba
• Europe and Central Asia: Austria, France (including French overseas territories), Germany, Kazakhstan, Russia, and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine
• Asia and Middle East: Iran, Iraq, Japan, Hong Kong, Singapore, North Korea, Yemen
• Africa: Central African Republic, Democratic Republic of the Congo, Libya, Sudan

This list reflects the provider's published restrictions at the time of the last update and can change without notice. If you are in, or are connected to, a restricted jurisdiction, you must not use Porta's crypto features, and we may block or reverse crypto activity and restrict your crypto access where we identify a connection to one. Fiat services are not affected by this list.

Restricted Wallets, Platforms & Parties

Bitget does not allow deposits from, or withdrawals to, certain wallet addresses, exchanges, platforms, services and parties. It also restricts certain countries and regions. Because your crypto moves through Bitget, the same restrictions apply to your Porta account, and they can change without notice.

• Do not deposit to Porta from, or withdraw from Porta to, a wallet, platform or party that the provider restricts
• Wallets flagged by the provider's risk screening, including addresses linked to sanctions, fraud, mixers or other illicit activity, cannot be used
• Always confirm the address, the network and that the destination platform supports the asset before you send, as crypto transfers cannot be reversed
• A transfer involving a restricted source or destination may be rejected, delayed, held for review or returned, and network or provider fees may not be refundable
• Porta may freeze or return funds, and may close accounts, where a provider or the law requires it

Porta is not responsible for losses caused by sending to or from a restricted, unsupported or incorrect address or platform. If you are unsure whether a destination is supported, contact support before you send. See also our AML Policy and the Terms of Service.

Refund Policy

Refund eligibility depends on the type of service:

• Utilities (airtime, data, TV, electricity): Refunded automatically if a payment fails to deliver. Successful payments are non-refundable.
• Numbers: Non-refundable once issued. See Numbers & Accounts Policy.
• Accounts (Server 1 & Server 2): Not returnable or refundable once delivered. Replacement for a fault caused by us is available only within 24 hours of purchase if our required first-login procedure was followed, see Numbers & Accounts Policy.
• Boost: Cancelled or failed orders are refunded to your wallet. Completed orders, and any drop after a service's stated refill window has passed, are non-refundable.
• Bookings & tickets: Refundable according to the event organizer's stated policy, shown at checkout. Porta service fees are non-refundable.
• Marketplace & Lite Shop orders: Refundable if the item is not delivered, is significantly not as described, or arrives damaged, see our Return Policy below.
• Lite Web subscriptions: Non-refundable once a billing cycle has started, you can cancel to stop future charges.
• Lite Fund donations: Donations are paid directly to the campaign host and are not held in escrow by Porta, so they are final and non-refundable once made, except where a charge was made in error or failed to process. Service and processing fees are disclosed to the donor before checkout and are non-refundable.

To request a refund, contact support with your transaction ID within 14 days of the transaction.

Return Policy

For physical products purchased through Marketplace or Lite Shop:

• Items can be returned within 7 days of delivery if unused, in original packaging, and not a final-sale or perishable item (such as flowers or food gifts)
• Damaged or incorrect items can be reported for a replacement or refund within 48 hours of delivery, with photo evidence
• Return shipping costs are covered by Porta only when the item was damaged, defective, or incorrect

To start a return, go to your order in the app and select "Report an Issue," or contact support.

Numbers & Accounts Policy

Numbers and Accounts (Server 1 & Server 2) are automated, instantly delivered digital goods. The tips, rules and VPN recommendations for using them are shown on the Numbers and Accounts pages inside the app, and following them is required for the replacement policy below to apply.

Account Replacement Policy

• All accounts are checked before sale.
• Replacement is only available for faulty accounts caused by us.
• Replacement period: within 24 hours after purchase (if rules are followed).
• No replacement after password changes, misuse, suspension, or customer mistakes.
• Accounts cannot be returned or refunded.
• Porta is not responsible for account activity after successful login.
• Rules may change without notice.

Dispute Resolution

If you have a disagreement with a seller, event organizer, or another user on Porta, here's how it's handled:

1. Report it: Submit a report through Contact → Report an Issue with your order or transaction ID.
2. Review: Our team reviews evidence from both sides, this typically takes 3-5 business days.
3. Resolution: We may issue a refund, release payment to the seller, or request more information before deciding.
4. Escalation: If you disagree with the outcome, you can request a second review by replying to the resolution email within 7 days.

For unresolved matters, either party may pursue resolution through arbitration or the courts as described in our Terms of Service.