1. Introduction
Icontribute Global Limited ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website (our "Platform"). Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the platform.
2. Information We Collect
We may collect information about you in a variety of ways. The information we may collect on the Platform includes:
2.1. Personal Data
Personally identifiable information, such as your name, email address, phone number, and Bank Verification Number (BVN), that you voluntarily give to us when you register with the Platform.
2.2. Financial Data
Financial information, such as data related to your payment method (e.g., valid debit card numbers, bank account numbers) that we may collect when you create savings plans or perform transactions. All financial information is stored by our secure payment processors.
2.3. Community & Usage Data
Information about your activity on the Platform, including your Thrift Group memberships, contribution history, loan history, and interactions with other community features. We also collect data your browser sends automatically such as your IP address and device type.
3. How We Use Your Information
Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Platform to:
- Create and manage your account.
- Facilitate the operation of Thrift Groups, including tracking contributions and managing payout cycles.
- Process savings, loans, and other financial transactions.
- Enable user-to-user communications within your trusted Thrift Groups.
- Notify you of updates to the Platform.
- Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
- Comply with legal and regulatory requirements.
4. How We Share Your Information
We may share information we have collected about you in certain situations. Your information may be disclosed as follows:
4.1. Within Your Thrift Groups
Your name and contribution status are visible to other members within your invite-only Thrift Groups to ensure transparency and accountability, as is standard in traditional thrift systems.
4.2. With Third-Party Service Providers
We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, and customer service.
4.3. By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.
We do not sell your personal data to third parties.
5. Data Security
We use administrative, technical, and physical security measures to help protect your personal information. All communication with our Platform is encrypted using 256-bit SSL, and we take robust measures to secure your data. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.
6. Your Data Rights
You have certain rights regarding your personal information. Depending on your location, these may include the right to:
- Access the personal information we hold about you.
- Request that we correct any inaccurate personal information.
- Request that we delete your personal information, subject to our legal and contractual obligations.
- Object to or restrict the processing of your personal information.
To exercise these rights, please contact us using the contact information provided below.
7. Children's Privacy
Our Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it.
8. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.
9. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please do not hesitate to contact us at: privacy@icontribute.com.