Effective Date: July 19, 2025

1. Introduction and Scope

Finendar ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal data when you use our websites, mobile applications, and all related services, products, and features (collectively, the "Services"). By using the Services, you consent to the practices described in this policy.

We are a Nigerian-based company, and this policy is drafted in compliance with the **Nigeria Data Protection Regulation (NDPR)** and other applicable international data protection laws. Our goal is to provide a safe, secure, and respectful online environment for all our users.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, do not use the Services. This policy may change from time to time. Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

2. Information We Collect

We collect different types of information about you for various purposes to provide and improve our Services.

2.1. Information You Provide to Us

• Account & Profile Data: When you create an account, we collect your name, email address, phone number, profile photo, date of birth, gender, and other information you choose to provide in your profile.
• User Content: We collect the content you create, upload, post, and share on the Services, including photos, videos, text, messages, and comments. This also includes information you provide when using our specialized tools, such as data submitted for elections, school, or HR purposes.
• Financial Information: To use the digital wallet and monetization features, we and our third-party payment processors collect information such as your bank account details, credit/debit card information, and other Know Your Customer (KYC) details (e.g., government-issued ID, utility bills).
• Communications: We collect information you provide when you communicate with us directly (e.g., customer support inquiries), or when you communicate with other users through our messaging services.

2.2. Information We Collect Automatically

• Usage Data: We collect information about your activity on the Services, such as the pages or content you view, the time and duration of your visits, your search queries, and how you interact with other users and features.
• Device & Connection Data: We collect information about the devices you use to access the Services, including your IP address, device type, operating system, browser type, unique device identifiers, mobile network information, and other diagnostic data.
• Location Information: We may collect and process information about your location. This may include precise location data from your mobile device if you have enabled this feature.
• Cookies & Tracking Technologies: We use cookies and similar tracking technologies to track activity on our Services and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services.

2.3. Information from Third Parties

We may receive information about you from other sources, including: (a) third-party social media services if you choose to link your Finendar account (e.g., Google, Facebook); (b) our third-party payment processors who provide us with transaction data; and (c) other users or organizations who provide information about you in the context of their use of our specialized tools (e.g., an employer using our HR tools). We are not responsible for the privacy practices of these third parties.

3. How We Use Your Information

We use the collected information for various purposes, including:

• To Provide and Maintain the Services: To operate, manage, and provide all Finendar features and functionalities, including account management, content creation, live streaming, and our specialized tools.
• To Personalize User Experience: To tailor content and features to your interests, and to provide recommendations based on your activity and preferences.
• To Process Transactions: To facilitate financial transactions through the digital wallet, including payments, withdrawals, and gifts.
• For Communication: To send you service-related notifications, updates, and marketing communications, subject to your preferences.
• For Security and Fraud Prevention: To protect the security and integrity of the Services and to prevent fraudulent, illegal, or unauthorized activities.
• For Analytics and Business Operations: To analyze user behavior, monitor service usage, diagnose technical issues, and perform data analysis to improve our Services.
• For Specialized Tools: To facilitate the use of our HR, School, and Election tools. For example, data provided by an organization will be used to manage employees, students, or election processes as intended by that organization.

4. How We Share and Disclose Your Information

We may share or disclose your personal data in the following situations:

• With Other Users: Your public profile information (name, profile picture, content you post) will be visible to other Finendar users.
• With Third-Party Service Providers: We share information with vendors, consultants, and other service providers who perform services on our behalf, such as payment processing, data analysis, IT services, and marketing.
• With Your Organization: If you use the Services through an organization (e.g., your school or employer), your personal data may be shared with that organization to enable them to manage their accounts and use the specialized tools.
• For Legal Compliance & Law Enforcement: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
• In the Event of a Business Transfer: In the event of a merger, acquisition, asset sale, or other business transaction, your personal data may be transferred to the new entity.

5. Your Choices and Rights

5.1. Your Data Rights

Subject to applicable laws, you have the right to:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request that we correct any inaccurate or incomplete data.
• Deletion: Request the deletion of your personal data. Note that we may be required to retain some information for legal or legitimate business purposes.
• Objection: Object to the processing of your personal data.
• Portability: Request that your data be provided in a structured, commonly used, and machine-readable format.

To exercise these rights, please contact us at the email address provided in Section 7.

5.2. Marketing Communications

You can opt out of receiving promotional emails from us by following the unsubscribe instructions provided in those emails. Even if you opt out, we may still send you non-promotional communications, such as those about your account or our business relationship.

6. Data Security

The security of your personal data is a priority for us. We implement reasonable administrative, technical, and physical safeguards to protect your personal data from unauthorized access, use, or disclosure. These measures include using encryption, firewalls, and secure socket layer technology. However, no method of transmission over the internet or electronic storage is 100% secure. Therefore, we cannot guarantee the absolute security of your personal data.

7. International Data Transfers

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Finendar will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy, and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place to ensure the security of your data.

8. Children's Privacy

Our Services are not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from a child under age 13 without verification of parental consent, we will take steps to remove that information from our servers.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will also update the "Effective Date" at the top of this policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

10. Contact Us

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

Email: info@finendar.com

Address: 8 Abiola Street, Alapere, Ketu, Lagos, Nigeria

Phone: +234 803 343 0126