Privacy Policy

This Privacy Policy explains how personal information is collected, used, stored, and disclosed by SafeNest Africa Solutions Ltd (“SafeNest Africa”, “we,” “us,” or “our”).

This Privacy Policy supersedes all previous statements or notices concerning our data protection practices and sets out our firm commitment to safeguarding the personal information of our users.

Last Updated: 2nd, July 2025

1. Application of this Privacy Policy

This policy governs the collection, processing, and usage of personal data across all platforms, websites, mobile applications, and services operated or owned by SafeNest Africa Solutions Ltd (collectively, the “Services”).

This includes, but is not limited to, our cooperative savings platform, agribusiness facilitation tools, loan services, utility payment features, and all e-commerce and digital marketplace services we offer.

By accessing or using any of our Services, you accept the terms of this Privacy Policy.

2. Our Commitment to Data Protection

We are committed to ensuring that your personal information is:

• Processed lawfully, fairly, and transparently.

• Collected for specific, explicit, and legitimate purposes.

• Limited to what is necessary (data minimization).

• Accurate and up to date.

• Retained only for as long as necessary.

• Secured against unauthorized or unlawful access, destruction, or loss.

Our practices comply with the Nigeria Data Protection Act (NDPA) 2023 and any other relevant data privacy regulations.

3. Lawful Basis for Processing

We process your personal data based on:

• Consent: When you voluntarily provide your data or opt-in to services.

• Contractual necessity: To deliver products or services you have requested.

• Legal obligations: To meet regulatory or statutory requirements.

• Legitimate interest: Such as fraud prevention, platform security, and service optimization.

• Vital interest: To protect you or others in emergency situations.

4. Information We Collect

We may collect the following categories of personal data:

a. Information You Provide Directly

• Full name

• Email address

• Phone number

• BVN and bank account details

• Residential address

• Identification documents

• Cooperative membership details

• Feedback and communication with our support team

b. Information We Collect Automatically

• IP address

• Device information

• Browser type

• Session data and usage analytics

• Location (if permission is granted)

c. Third-Party Data

We may receive additional data from:

• Your financial institutions

• Identity verification services

• Referrals from other users

• Social media or public records

5. How We Use Your Information

Your personal information may be used to:

• Set up and manage your SafeNest Africa account

• Process savings contributions and withdrawals

• Disburse loans and verify creditworthiness

• Provide agribusiness and cooperative support services

• Facilitate utility and bill payments

• Maintain and secure the platform

• Send service updates, promotions, and user surveys

• Comply with legal and regulatory obligations

We may also use anonymized and aggregated data for analytics and service improvement.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember user preferences

• Track session behavior

• Personalize your experience

• Improve security

You can adjust your browser settings to manage cookies, but this may affect functionality.

7. Sharing of Information

We may share your data with:

• Financial institutions and payment processors

• Regulatory and law enforcement agencies (when required)

• Identity verification providers

• Service providers such as cloud hosting and analytics companies

• Our affiliated partners and business associates (under confidentiality agreements)

We do not sell your data to third parties.

8. Data Security

We employ industry-standard measures including:

• SSL encryption

• Two-factor authentication

• Role-based access control

• Regular audits and penetration testing

We also ensure that all third-party service providers handling your data adhere to strict data protection agreements.

9. Data Retention

We retain personal data only as long as necessary for:

• Fulfilling the purposes outlined in this policy

• Legal or regulatory compliance

• Resolving disputes

• Enforcing our agreements

When no longer needed, we securely delete or anonymize your data.

10. Your Rights as a User

You may:

• Access your personal data

• Request corrections

• Request deletion (“right to be forgotten”)

• Object to certain processing activities

• Withdraw consent at any time

• Request data portability

• Lodge complaints with the NDPC (Nigeria Data Protection Commission)

To exercise your rights, email us at: support@safenestafrica.com

11. Children’s Privacy

Our services are intended for individuals aged 18 and above. We do not knowingly collect data from children under 18. If we learn that a minor has provided us with personal data, we will delete it.

12. External Links

Our platform may link to third-party websites. We are not responsible for the privacy practices or content of those sites. Please read their policies separately.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of major changes via:

• Platform notifications

• Email updates

• A banner on our website or app

Your continued use of our Services after updates constitutes your acceptance of the revised terms.

14. Contact Information

If you have any questions, concerns, or complaints about this Privacy Policy, please contact us at:

📧 Email: support@safenestafrica.com
📍 Address: N0. 24, Behind Cemetry, Ankpa Ward Wadata, Mkaurdi, Benue State, Nigeria.
📞 Customer Support: +2348108479181