Policies & Information

1. Information We Collect

We collect information that you provide directly to us when using STUDUES:

• Student identification information (Matric Number, Name)
• Contact information (Email, Phone Number)
• Payment information (processed securely through our payment partners)
• Transaction history and payment records

2. How We Use Your Information

We use the information we collect to:

• Process your dues payments and maintain payment records
• Send payment confirmations and receipts
• Provide customer support
• Improve our services and user experience
• Comply with legal obligations and university requirements

3. Data Security

We implement appropriate technical and organizational security measures to protect your personal information. All payment transactions are encrypted using SSL technology and processed through PCI DSS compliant payment gateways.

4. Data Sharing

We do not sell or rent your personal information. We may share information with:

• University of Uyo administration for verification purposes
• Payment processing partners (Paystack, banks) to complete transactions
• Legal authorities when required by law

5. Cookies and Tracking

STUDUES may use cookies and similar technologies to enhance your browsing experience and analyze usage patterns. You can manage or disable cookies through your browser settings, but some features may not work properly if cookies are disabled.

6. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with the effective date updated. We encourage students to review the Privacy Policy regularly.

1. Eligibility for Refunds

Refunds may be considered in the following cases:

• Duplicate Payments: If the same dues item was paid twice
• Technical Errors: System errors that resulted in incorrect charges
• University Directive: When the university officially authorizes refunds for specific fees

2. Non-Refundable Payments

Non-refundable Cases:

• Payments made for services already rendered or confirmed by the University of Uyo.
• Payments made due to student misunderstanding or incorrect payment selection, unless authorized by UNIUYO MFB.

3. Refund Process

1. Submit Request: Contact support within 7 days of payment with:
   • Transaction reference number
   • Reason for refund request
   • Supporting documentation
2. Review Period: Requests are reviewed within 3-5 business days
3. Approval/Denial: You will be notified of the decision
4. Processing: Approved refunds are processed within 15 days

4. Contact for Refund Requests

1. Acceptance of Terms

By accessing and using the STUDUES platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Eligibility

You must be a registered student of University of Uyo with valid student credentials to use STUDUES. You are responsible for maintaining the confidentiality of your login credentials.

3. Services Provided

STUDUES provides:

• Online payment processing for student dues
• Payment history and receipt management
• Real-time payment status updates
• Secure transaction processing

4. User Responsibilities

You agree to:

• Provide accurate and complete information
• Maintain the security of your account
• Report unauthorized access immediately
• Use the service only for lawful purposes
• Not attempt to circumvent payment systems

5. Payment Processing

All payments are processed through secure third-party payment gateways. STUDUES does not store your credit card or bank account details. Transaction fees may apply depending on the payment method.

6. Limitation of Liability

STUDUES and UNIUYO Microfinance Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the service.

7. Modifications to Terms

We reserve the right to modify these terms at any time. Continued use of STUDUES after changes constitutes acceptance of the modified terms.

8. Intellectual Property

All content, logos, trademarks, and other intellectual property displayed on STUDUES are the property of UNIUYO MFB or its partners. Unauthorized use or reproduction is prohibited.