Privacy Policy

1. Introduction

This Privacy Policy explains how BOMJO LTD ("BomjoPay," "we," "us," or "our") collects, uses, shares, and protects your personal information when you use our website, mobile application, and related services (collectively, the "Service").

2. Information We Collect

• Identity information: name, date of birth, government-issued identification (such as BVN, NIN, or passport details), and biometric verification data submitted during our KYC process
• Contact information: email address, phone number, and residential address
• Financial and transaction information: wallet balances, transaction history, linked payment methods
• Technical information: device identifiers, IP address, browser type, and usage data collected automatically through the Service

3. How We Use Your Information

We use your information to:

• Verify your identity and comply with anti-money laundering and know-your-customer obligations
• Provide, operate, and improve the Service
• Process transactions and communicate with you about your account
• Detect and prevent fraud and other unauthorized activity
• Comply with legal and regulatory obligations
• Communicate updates, offers, or changes to the Service, where you have consented to receive them

4. How We Share Your Information

We share your information with:

• Licensed banking, payment, and identity verification partners, to the extent necessary to provide the Service
• Regulators and law enforcement authorities, where required by applicable law
• Professional advisors, such as auditors or legal counsel, under confidentiality obligations

We do not sell your personal information to third parties.

5. Data Security

We implement technical and organizational safeguards, including encryption and access controls, designed to protect your information from unauthorized access, loss, or misuse. No system is completely secure, and we encourage you to also protect your account credentials.

6. Data Retention

We retain your information for as long as necessary to provide the Service and to comply with our legal and regulatory obligations, including recordkeeping requirements under applicable anti-money laundering laws.

7. Your Rights

Subject to applicable law, including the Nigeria Data Protection Act 2023, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to our legal retention obligations
• Withdraw consent for optional processing, such as marketing communications

To exercise these rights, contact us through the details on our Contact Us page.

8. Cookies

Our website may use cookies and similar technologies to improve your experience and understand usage patterns. You can control cookie preferences through your browser settings.

9. International Users

BomjoPay is designed to serve users globally. Where your information is transferred outside your country of residence, we take steps to ensure it remains protected in accordance with this Policy and applicable law.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the Service or by email. Continued use of the Service after changes take effect constitutes acceptance of the updated Policy.

11. Contact Us

Questions about this Privacy Policy can be directed to us via the details on our Contact Us page.