1. Information We Collect
We collect the following information to provide our services:
- Personal identification information (name, email, phone, address)
- Government IDs (NIN, BVN)
- Financial information (transaction history, contributions, loans)
- Verification documents (utility bills, business documents)
- Device and usage data
2. How We Use Your Information
Your information is used to:
- Verify your identity and eligibility for membership
- Process contributions and loan applications
- Maintain your account and transaction records
- Communicate important updates and notifications
- Improve our services and user experience
- Comply with legal and regulatory requirements
3. Data Protection
We implement industry-standard security measures to protect your data:
- SSL encryption for all data transmission
- Secure database storage with access controls
- Regular security audits and updates
- Two-factor authentication options
- Strict internal access policies
4. Information Sharing
We do not sell or rent your personal information. We may share information with:
- Regulatory authorities when required by law
- Payment processors to complete transactions
- Service providers who assist in our operations
- Credit bureaus for loan reporting purposes
5. Your Rights
You have the right to:
- Access your personal data
- Request corrections to inaccurate data
- Request deletion of your data (subject to legal requirements)
- Opt-out of marketing communications
- Download a copy of your data
6. Data Retention
We retain your data for as long as your account is active and as required by law. Transaction records are kept for a minimum of 7 years for regulatory compliance.
7. Cookies
We use cookies to enhance your browsing experience, analyze site traffic, and personalize content. You can control cookie settings through your browser.
8. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for their privacy practices.
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors.
10. Changes to This Policy
We may update this privacy policy periodically. We will notify you of significant changes via email or website notification.
11. Contact Us
For privacy-related concerns, contact our Data Protection Officer at: privacy@royalhandscoop.com
Last updated: January 1, 2024