Introduction

Welcome to AjoWise! At AjoWise, your privacy and trust are paramount. This Privacy Policy outlines how we collect, use, and protect your information in compliance with international data protection standards and regulations, with particular consideration for users in Nigeria. By using the AjoWise app, you agree to the terms outlined in this policy.

1. Information We Collect

To provide a seamless experience and improve our services, we collect the following types of information.

1.1 Personal Information

This includes your name, phone number, email address, and other identifiable details provided during account creation or when you update your profile.

1.2 Financial Information

Information related to your contributions and withdrawals within the app’s ROSCA (Rotating Savings and Credit Association) framework.

1.3 Device and Usage Information

Data about your device (e.g., model, operating system, unique identifiers) and how you interact with the app (e.g., session duration, features accessed).

1.4 Contact Information

With your explicit permission, we may access your phone contacts to suggest and connect you with other AjoWise users for ROSCA purposes.

1.5 Geolocation Data

To enhance security and prevent fraud, we may collect approximate location data, where permitted.

1.6 Behavioral Data

We analyze user behavior within the app to improve features, provide personalized content, and generate credit score ratings that reflect financial responsibility.

2. How We Use Your Information

We use the collected data to:

• Facilitate ROSCA transactions and manage group savings.
• Provide personalized recommendations and ease of use (e.g., suggesting connections).
• Improve our services, troubleshoot issues, and analyze usage patterns.
• Communicate with you regarding updates, security alerts, and promotional offers.
• Prevent fraud and ensure compliance with legal and regulatory obligations.

We also analyze user behavior to generate credit score ratings that reflect their financial responsibility. These ratings are shared with users who wish to join a credit pool, helping to mitigate default risks by fostering transparency and trust within the ROSCA system.

3. Data Sharing and Disclosure

4. User Consent and Permissions

Before accessing your data, such as contacts, geolocation, SMS, or call logs, we will seek your explicit consent. You may manage these permissions via your device settings at any time.

5. Data Security

We implement robust security measures to safeguard your data, including:

• Encryption of sensitive information during transmission.
• Secure servers to store your data.
• Regular audits and updates to maintain system security.

However, no system is entirely foolproof, and we urge users to protect their account credentials.

6. International Data Compliance

As a Lagos-based company, we comply with Nigeria’s Data Protection Regulation (NDPR) and adhere to international standards such as the General Data Protection Regulation (GDPR) where applicable. This includes:

• Offering users the right to access, correct, or delete their data
• Informing users about data breaches, if they occur.
• Ensuring data minimization and transparency in processing.

7. Your Rights

You have the following rights regarding your data:

• Access: Request access to the data we hold about you.
• Correction: Update or correct your personal information.
• Deletion: Request the deletion of your data, subject to legal and regulatory requirements.
• Objection: Opt-out of certain data uses, such as marketing communications.

To exercise these rights, contact us at admin@ajowise.com.

8. Retention of Data

We retain your data for as long as you keep the app on your device. Once you delete the app or request deletion, your data will be securely deleted or anonymized, subject to legal and regulatory requirements.

9. Third-Party Links

The AjoWise app may contain links to third-party websites or services. We are not responsible for the privacy practices of these external platforms and encourage you to review their policies.

10. Ads Disclosure

AjoWise does not currently display third-party ads. However, if this changes, we will update this policy accordingly and provide clear disclosures within the app.

11. App Access

Certain features of AjoWise may require user authentication, such as login credentials. Reviewers can access the app using the following credentials for testing purposes: [Insert Reviewer Access Details].

12. Updates to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or for legal compliance. Significant updates will be communicated to you through the app or via email.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

• Email: admin@ajowise.com
• Address: 16, Olayinka Jimbo Street, Ebute, Ikorodu, Lagos State, Nigeria.