We value your privacy. This Privacy Policy explains what data we collect, how we use it, who we share it with, and the choices you have.
1. Information We Collect
- Identity Data: first name, last name.
- Contact Data: email address, WhatsApp number, SMS number, country, address.
- Account Data: account number, account type, currency (devise), balances, transactions, deposits, withdrawals, transfers.
- Verification Data: activation tokens, verification timestamps, admin approval status.
- Security/Access Data: IP address, request logs for auditing and troubleshooting.
- Communications Data: notifications and message logs (email, WhatsApp, SMS) related to your account.
2. How We Collect Data
- Directly from you when you register, log in, update your profile, or interact with support.
- Automatically through request logs (e.g., IP address, operation metadata) for security and compliance.
- From transactions and actions on your account (deposits, withdrawals, transfers, loan activities).
3. How We Use Your Information
- Account creation, activation, authentication, and ongoing account management.
- Sending essential communications (activation emails, verification updates, transaction alerts).
- Processing transactions and providing banking features (deposits, withdrawals, transfers).
- Loan lifecycle updates (requests, approvals, repayments, closures).
- Security, fraud prevention, compliance with legal and regulatory obligations.
- Improving our services and user experience (e.g., templates, notifications, UX).
4. Messaging and Third-Party Providers
We use trusted providers only for service delivery:
- Email: Brevo (Sendinblue) transactional emails for account and transaction communications.
- Messaging: Twilio for WhatsApp and SMS notifications (e.g., activation, deposits, admin alerts).
Where possible, messages sent in testing environments are simulated (no external delivery). In production, messages are sent through these providers securely.
5. Legal Basis for Processing
- Contractual necessity: to provide you with account and transaction services.
- Legal obligations: to comply with financial regulations and KYC/AML requirements as applicable.
- Legitimate interests: to protect our platform, prevent fraud, and improve services.
- Consent: where required (e.g., optional communications).
6. Data Sharing and Disclosure
We do not sell your personal data. We may share limited data with service providers strictly to deliver emails and messages, with administrators for operational purposes, or when required by law or to protect rights and safety.
7. Data Security
We implement technical and organizational measures to safeguard your information. However, no method of transmission or storage is completely secure. We continuously improve our protections.
8. Data Retention
We keep your data for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.
9. Your Rights
- Access and portability: request a copy of your data.
- Rectification: correct inaccurate or incomplete data.
- Erasure: request deletion where legally permitted.
- Restriction/Objection: limit or object to processing in certain circumstances.
10. Cookies and Tracking
Our platform may use cookies and similar technologies to enable essential functionality and improve performance. You can manage cookies through your browser settings.
11. International Transfers
If data is transferred across borders, we take appropriate safeguards consistent with applicable laws.
12. Changes to this Policy
We may update this Privacy Policy periodically. We will reflect the latest update date above. Continued use of the platform constitutes acceptance of the updated policy.
13. Contact Us
If you have questions about this policy or wish to exercise your rights, please contact support.