Privacy Policy

1. Introduction

Icontribute Global Innovations Ltd ("Icontribute", "we", "our", "us") is registered in Nigeria (RC: 9212289). We operate the Icontribute platform, a community savings and lending service accessible at mobile.icontribute.com.ng.

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our platform. By using Icontribute, you agree to the practices described in this policy.

We are committed to protecting your privacy in accordance with the Nigeria Data Protection Regulation (NDPR) 2019 and applicable Nigerian law.

2. Information We Collect

Information you provide directly:

• Full name, phone number, and email address (for account creation)
• Bank Verification Number (BVN) — used for identity verification only
• Financial data: savings contributions, loan applications, transaction history
• Group-related information: group names, member lists, contribution schedules
• Communications you send us (support tickets, feedback forms)

Information collected automatically:

• Device type and operating system (for app compatibility)
• IP address and approximate location (for security monitoring)
• Usage data: pages visited, features used, session duration (for platform improvement)

3. How We Use Your Information

• To create and manage your Icontribute account
• To process savings contributions, payouts, and loan transactions
• To verify your identity via BVN and prevent fraud
• To send you transactional notifications (payment confirmations, reminders, payout alerts)
• To provide customer support and resolve disputes
• To comply with Nigerian financial regulations and legal obligations
• To improve our platform, features, and user experience
• To detect, prevent, and respond to fraud or security threats

We will only use your information for the purposes stated above. We do not use your data for advertising profiling or sell it to any third party.

4. Data Sharing & Third Parties

We share your data only in the following limited circumstances:

• Payment partners: Certified, PCI-DSS compliant payment processors who handle card/bank transactions. They receive only what is necessary for transaction processing.
• Identity verification services: Our BVN verification partner receives your BVN solely for identity confirmation and does not retain it.
• Group members: Your name, contribution status, and payout schedule are visible to other members of groups you belong to. This transparency is a core feature of community savings.
• Legal obligation: We may share data with Nigerian regulatory authorities (CBN, EFCC, etc.) when required by law.

We never sell, rent, or share your personal data with advertisers, data brokers, or any other unauthorized third parties.

5. Data Retention

We retain your personal data for as long as your account is active and for a period of 7 years after account closure, as required by Nigerian financial regulations for record-keeping purposes.

You may request deletion of your account at any time. Upon deletion, we will remove personal data from active systems within 30 days, retaining only what is legally required for compliance purposes.

6. Your Rights

Under the Nigeria Data Protection Regulation (NDPR), you have the right to:

• Access: Request a copy of all personal data we hold about you
• Correction: Request correction of inaccurate personal data
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Portability: Receive your data in a machine-readable format
• Objection: Object to processing of your data for certain purposes

To exercise any of these rights, contact us at privacy@icontribute.com.ng. We will respond within 30 days.

7. Cookies & Tracking

Our platform uses essential cookies to maintain your login session and ensure the platform works correctly. We do not use advertising, tracking, or third-party analytics cookies.

You can disable cookies in your browser settings, but this may prevent some platform features from working correctly.

8. Children's Privacy

Icontribute is not intended for users under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has created an account, please contact us immediately at support@icontribute.com.ng and we will take immediate action.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you via the app or by email at least 14 days before the changes take effect. Continued use of the platform after the effective date constitutes acceptance of the updated policy.

10. Contact Us

For any privacy-related inquiries, data requests, or concerns, please contact: