Privacy Policy

Welcome to KlikKash, your comprehensive financial and lifestyle super-app. We provide mobile wallet services, agency banking, digital Ajo (thrift savings), micro-loans, peer-to-peer messaging, and a local services marketplace.

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

To provide our financial and community services, we collect the following types of information:

• ▸ Identity & KYC Data: Full name, phone number (your account number) and profile photo
• ▸ Financial Data: Transaction history, wallet balances, Ajo contribution records, loan repayment history, and linked bank account details.
• ▸ Device & Location Data: IP address, device identifiers, and approximate location used to connect you with nearby service providers and prevent fraud.
• ▸ Communication Data: Messages sent through our in-app chat and Meet & Connect features.

We use your data strictly to operate, improve, and secure the KlikKash ecosystem:

• ▸ Financial Services: Process wallet transfers, airtime/data purchases, betting funding, and agency banking transactions.
• ▸ Ajo & Loans: Manage digital thrift savings groups, calculate contributions, and evaluate loan eligibility based on transaction history.
• ▸ Security: Verify identity, monitor suspicious activities, and protect your account from unauthorized access.
• ▸ Marketplace: Connect you with local service providers and facilitate real-time communication.
• ▸ Improvement: Analyze usage patterns to enhance app features and user experience.

We never sell your personal data. We only share necessary information with trusted partners under strict confidentiality agreements:

• ▸ Payment Providers: Licensed payment gateways and VTU aggregators necessary to process your transactions.
• ▸ Financial Partners: Registered microfinance institutions that facilitate our Ajo and loan products.
• ▸ Regulatory Bodies: CBN, EFCC, or law enforcement when required by law or to prevent financial fraud.
• ▸ Cloud Infrastructure: Secure hosting providers (e.g., Firebase) that store your encrypted data.

KlikKash employs bank-grade security measures to protect your data:

Your chats on KlikKash are private. We do not read your messages. However, to protect our community:

• ▸ If you are reported for fraud or harassment, we reserve the right to review metadata to investigate.
• ▸ Users who violate community guidelines may have their accounts suspended or terminated.
• ▸ Service provider ratings and reviews may be publicly visible to help build trust in the marketplace.

As a KlikKash user, you have the right to:

• ▸ Access: Request a copy of the personal data we hold about you.
• ▸ Correction: Request corrections to inaccurate or incomplete information.
• ▸ Deletion: Request deletion of your account and data (subject to regulatory financial record-keeping laws).
• ▸ Portability: Request your transaction history in a standard format.

KlikKash is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a child has provided us with personal data, please contact us immediately.

We may update this Privacy Policy from time to time to reflect changes in our services or legal requirements. When we make significant changes, we will notify you through the app or via email before the changes take effect.