Privacy Policy

1. Information We Collect

We may collect the following categories of information:

1.1 Personal Information

• Full name
• Phone number
• Email address
• Profile photo (if provided)
• Identification details (where required for compliance or verification)

1.2 Financial Information

• Contribution amounts
• Transaction history within the App
• Wallet or payment reference details (note: we do not store full card or bank details where third-party payment processors are used)

1.3 Usage and Technical Information

• Device type, operating system, and app version
• IP address and general location (city/country level)
• Log data, pages visited, and actions taken within the App

1.4 Group Information

• Membership in savings groups (merry-go-round/ajo/esusu groups)
• Contribution schedules and group activity

2. How We Use Your Information

We use your information to:

• Create and manage user accounts
• Facilitate group savings and contribution cycles
• Process transactions and send payment confirmations
• Communicate important updates, reminders, and notifications
• Improve app functionality, security, and user experience
• Comply with legal, regulatory, and financial obligations

3. Sharing and Disclosure of Information

We do not sell your personal data. We may share information only in the following circumstances:

• With Group Members: Limited information (such as name and contribution status) may be visible to members of the same contribution group
• Service Providers: Trusted third-party vendors (e.g., payment processors, cloud hosting providers) who assist in operating the App
• Legal Requirements: When required by law, regulation, court order, or government authority
• Business Transfers: In the event of a merger, acquisition, or sale of assets

4. Data Security

We implement reasonable administrative, technical, and organizational measures to protect your information against unauthorized access, loss, misuse, or alteration. However, no method of transmission over the internet or electronic storage is 100% secure.

5. Data Retention

We retain your information only for as long as necessary to:

• Provide the App's services
• Fulfill legal, accounting, or reporting obligations
• Resolve disputes and enforce agreements

When data is no longer required, it is securely deleted or anonymized.

6. Your Rights and Choices

Depending on applicable laws, you may have the right to:

• Access and review your personal information
• Request correction of inaccurate or incomplete data
• Request deletion of your account and personal data
• Withdraw consent where processing is based on consent

Requests can be made by contacting us using the details below.

7. Children's Privacy

The App is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If such data is discovered, we will take steps to delete it promptly.

8. Third-Party Links and Services

The App may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties. We encourage users to review their privacy policies.

9. International Users

If you access the App from outside Nigeria, please note that your information may be transferred to and processed in Nigeria or other countries where our servers or service providers are located.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted within the App or on our website, and the "Effective Date" will be updated accordingly. Continued use of the App constitutes acceptance of the revised Policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us at:

ColloAfrica

Email: community@colloafrica.com

WhatsApp:https://wa.me/2349132775707+234 913 277 5707