Privacy Policy

1. Information We Collect

We collect personal data to deliver a secure financial experience. This includes information you provide directly during account registration, KYC compliance, and standard transactions:

• Personal Identification: Full Name, Address, Date of Birth, BVN, and email address.
• Transactional Data: Information regarding deposits, cooperative savings pools, withdrawals, and group contributions.
• Digital Footprints: IP address, device specs, cookie identifiers, and browser logs.

2. How We Use Your Information

Your data helps us process payments securely, comply with regulatory requirements, and upgrade platform services. Specifically:

• To verify identity and protect against fraudulent activities.
• To automate group Ajo collection cycles and disburse payout distributions correctly.
• To comply with applicable Nigerian financial and anti-money-laundering regulations.

3. Data Integrity & Security

We implement bank-grade encryption protocols (TLS/SSL) to safeguard your financial details. Access to critical databases is limited to authorized compliance personnel, backed by multi-factor authentication (MFA) requirements.

4. Third-Party Disclosures

We do not sell your personal data. We only share essential transactional indicators with verified payment processors (e.g. licensed gateway nodes) and government regulatory units when legally required.