Privacy Policy

At FetchMonie Limited (“FetchMonie”), the privacy of our customers, prospective users, and visitors to our platforms is of utmost importance to us.

This Privacy Policy explains how we collect, use, retain, share, and protect your personal data when you visit our website https://www.fetchmonie.com, use our mobile applications, digital platforms, or interact with us in person (collectively, the “Services”).

This policy is designed to help you understand your rights under the Nigeria Data Protection Act (NDPA) 2023 and other applicable laws.

1. Lawful Basis for Processing Your Data

We process your data on the following legal grounds:

• Performance of a contract with you.
• Your explicit consent.
• Our legitimate business interests or that of a third party.

2. Consent

You provide consent when you:

• Access our platforms and accept our cookies policy.
• Sign up or use our Services.
• Submit data for customer support, verification, or business purposes.

You may withdraw your consent at any time.

3. What Personal Data Do We Collect?

• Sign-up Information – name, age, gender, date of birth, photo, address, ID details, NIN/BVN, email, mobile number, debit/credit card details.
• Transaction Data – details of airtime, data, bill payments, deposits, withdrawals, merchant info, device info, geolocation.
• Participant Data – names and account details of transaction counterparties; contact list (with consent) for in-app transactions.
• Image Data – photos, uploads for verification, CCTV footage when visiting our offices.
• Third-party Data Sources – NIBSS, NIMC, credit bureaus, KYC providers.
• Website/App Usage Data – customer support interactions, surveys, cookies, device analytics.
• Employment Applications – education, employment history, health information, background checks (with consent).

4. Data Retention

We keep your data only as long as necessary for the purpose it was collected, or as required by law/regulators.

5. How We Process Data

• Provide services (e.g., payments, airtime/data, bill settlement).
• Authenticate and secure accounts.
• Detect and prevent fraud.
• Comply with legal and regulatory obligations.
• Resolve disputes and provide support.
• Send marketing or promotional updates (with your consent).

6. Sharing Your Data

• With trusted service providers (e.g., payment processors, KYC verifiers).
• With financial institutions we partner with.
• With regulators and authorities when legally required.
• With business partners to complete your requested service.
• With your consent or at your request.

7. Cookies

FetchMonie uses session cookies to improve your browsing experience. You may accept, decline, or adjust cookie preferences in your browser. Some features may not work without cookies.

8. Your Rights

• Access your data.
• Rectify inaccurate data.
• Request erasure of data (subject to legal obligations).
• Restrict or object to processing.
• Request portability of your data.
• Opt out of marketing at any time.
• Withdraw consent without affecting prior lawful processing.
• Lodge complaints with the Nigeria Data Protection Commission (NDPC).

9. Data Security

We apply technical and organizational measures such as encryption, firewalls, access controls, and staff training to protect your data.

Your responsibilities include:

• Keeping your account login secure.
• Not sharing sensitive account details.
• Updating your personal information when necessary.

10. Remedies & Violations

If your rights are violated, FetchMonie’s Data Protection Officer (DPO) will investigate and respond within 30 days. Remedies may include data correction, deletion, or restriction of processing.

11. Changes to This Policy

We may update this policy from time to time. Updates will be posted on https://www.fetchmonie.com. If major changes occur, we may notify you via email or in-app alerts.

12. Contact Us

For questions about this Privacy Policy or your data rights:

FetchMonie Limited
Nigeria.
📧 Email: support@fetchmonie.com
🌐 Website: https://www.fetchmonie.com