Privacy Policy

1. Scope

This Policy applies to buyers, sellers, agents, and visitors who interact with Afomo services.

2. Data We Collect

We may collect the following categories of data:

1. Account and profile data
   • Name, username, phone number, email address
   • Password hash and account security settings
   • Location and address information
2. Verification and compliance data
   • KYC data such as NIN, BVN, and verification tier details
   • Submitted compliance documents (where required)
3. Transaction and marketplace data
   • Orders, payments, wallet records, disputes, refunds
   • Product listings, delivery and communication metadata
4. Device and usage data
   • IP address, browser/device details, log and session events
   • Basic analytics and operational diagnostics
5. Support and communications data
   • Messages sent to support and related case history

3. How We Use Your Data

We use personal data to:

1. Create and manage user accounts.
2. Provide marketplace, payment, wallet, and dispute services.
3. Verify identity, run KYC/compliance checks, and prevent fraud.
4. Process transactions, confirmations, refunds, and settlements.
5. Send service notices, security alerts, and transaction notifications.
6. Improve platform performance, reliability, and security.
7. Meet legal, regulatory, and audit obligations.

4. Legal Bases for Processing

Depending on your jurisdiction, we process data based on one or more of the following:

1. Contractual necessity to provide requested services.
2. Compliance with legal obligations.
3. Legitimate interests such as fraud prevention and service improvement.
4. Consent, where required by law.

5. Data Sharing

We may share data only where necessary with:

1. Payment and financial service providers (for payment processing and settlement).
2. Identity verification and compliance partners.
3. Cloud hosting, storage, and infrastructure providers.
4. Professional advisors (legal, audit, compliance).
5. Regulators, courts, or law enforcement where legally required.

We do not sell personal data as a standalone commercial product.

6. International Transfers

Where data is transferred across borders, we use reasonable contractual, technical, and organizational safeguards appropriate to the transfer.

7. Retention

We retain data for as long as needed to:

1. Provide services and maintain account history.
2. Satisfy legal, tax, accounting, compliance, and anti-fraud obligations.
3. Resolve disputes and enforce platform terms.

When no longer needed, data is deleted, anonymized, or archived according to retention policy and legal requirements.

8. Security

We implement reasonable security controls including access restriction, credential protection, transport security, and monitoring to reduce risks of unauthorized access, misuse, or disclosure.

No platform can guarantee absolute security, but we continuously improve safeguards and response processes.

9. Your Rights

Subject to applicable law, you may have rights to:

1. Access personal data we hold about you.
2. Correct inaccurate or incomplete data.
3. Request deletion of data in eligible circumstances.
4. Object to or restrict certain processing.
5. Request portability of data where applicable.
6. Withdraw consent where processing is based on consent.

To exercise rights, contact us via the details below.

10. Cookies and Similar Technologies

We may use cookies or similar technologies for authentication, security, session continuity, and analytics. You can manage cookies through your browser settings, though disabling some cookies may affect platform functionality.

11. Children

Afomo is not intended for use by children below the age permitted by applicable law. We do not knowingly collect personal data from children in violation of legal requirements.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the Last Updated date and, where required, by additional notice.

13. Contact

For privacy, data, or compliance inquiries:

• Email: privacy@afomo.ng
• Compliance: compliance@afomo.ng
• Website: https://afomo.ng

If you are unsatisfied with our response, you may have the right to lodge a complaint with a relevant data protection authority.