Legal & Policies
Everything you need to know about how Urgent2k by Excella Digital operates, protects your data, and stays fair. Each policy is written in plain language.
- Urgent2k is a free micro-grant, not a loan — no repayment ever.
- One successful request every 30 days per individual.
- We collect only what we need; we never sell your data.
- NDPR & NDPC compliant. Your rights are enforceable.
Our Policies
Tap any card to read the full policy.
Your agreement with Excella Digital when using Urgent2k — eligibility, rules, liability, and dispute resolution.
What data we collect, why, how we protect it, who we share it with, and your rights under Nigerian law.
How donations are received, managed, and used. Covers minimums, payment channels, fund allocation, and receipts.
When refunds apply, how to file a dispute, processing timelines, chargebacks, and escalation paths.
Who qualifies for ₦2,000, the verification process, cooldown rules, priority signals, and ban criteria.
Our full compliance framework under Nigeria's Data Protection Act 2023, data subject rights, DPO contact, and breach protocol.
At a glance
Key points across all policies.
- 18+, Nigerian resident, verified NIN.
- One ₦2,000 disbursement every 30 days — system enforced.
- No repayment, no interest, no fees from us.
- Your data is encrypted and never sold.
- Minimum donation: ₦100. Processed via Flutterwave.
- Donations are non-refundable except for duplicates or unauthorised charges.
- You do not choose who receives funds — fairness is automated.
- Digital receipt provided for every contribution.
- Compliant with NDPR 2019, NDPA 2023, and NDPC directives.
- DPO contactable at dpo@excelladigital.com.
- Breach notification within 72 hours.
- You can request access, correction, or deletion of your data at any time.
- Report issues within 72 hours for fastest resolution.
- Investigation completed within 7 business days.
- Escalation to CPC or CBN if unsatisfied.
- Governing law: Federal Republic of Nigeria.