Your privacy matters to us. This policy explains what personal data Seculate collects, why we collect it, how we use and protect it, and the choices and rights you have. We process personal data in line with the Nigeria Data Protection Act 2023 and other applicable laws.
1. Information we collect
We collect information you give us and information generated when you use Seculate:
- Account details: your name, email address, phone number, password and profile photo.
- Verification details: information and documents needed to confirm your identity.
- Listings and requests: photos, descriptions, prices, availability and location of items or services.
- Messages: chats between you and other users inside the app.
- Transactions: payment status, amounts, dates and plan subscriptions (card details are handled by our payment providers).
- Usage and device data: app interactions, approximate location, device type, IP address and crash reports.
2. How we use your information
- To create and manage your account and verify your identity.
- To show listings near you and connect borrowers, lenders and service providers.
- To process payments and plan subscriptions.
- To keep the community safe, including preventing fraud and investigating reports.
- To provide customer support and respond to your requests.
- To improve Seculate, fix problems and develop new features.
- To send service messages and, where you agree, news and offers (you can opt out at any time).
3. Our legal basis
We process your data to perform our contract with you, to comply with legal obligations, for our legitimate interests in running a safe and useful service, and, where required, with your consent. Where we rely on consent, you can withdraw it at any time.
5. How long we keep data
We keep personal data only as long as necessary for the purposes in this policy, including to meet legal, accounting and safety requirements. When it is no longer needed, we delete or anonymise it.
6. How we protect your data
We use technical and organisational measures such as encryption in transit, access controls and monitoring to protect your data. No system is perfectly secure, so please use a strong, unique password and never share one-time codes.
7. Your rights
Subject to the law, you have the right to:
- Access the personal data we hold about you.
- Correct inaccurate or incomplete data.
- Ask us to delete your data.
- Object to or restrict certain processing.
- Receive your data in a portable format.
- Withdraw consent where processing is based on consent.
- Lodge a complaint with the Nigeria Data Protection Commission.
To exercise any of these rights, contact us through the Contact page.
8. Children
Seculate is not intended for anyone under 18, and we do not knowingly collect data from children.
9. Changes to this policy
We may update this policy from time to time. If we make significant changes we will let you know in the app or by email. The date at the top shows when it was last updated.
10. Contact us
If you have questions about this policy or your data, please reach us through the Contact page.