Overview WalletWise created this Privacy Policy (this "Policy") to explain how We obtain, collect, retain, process, share, and transfer your Personal information when You visit our Sites or use our Services. This Privacy Policy applies to your Personal information during your interactions with our Sites and Services. It does not extend to online websites or services that we do not own or control. This Privacy Policy aims to provide you with valuable insights regarding our privacy practices and to enhance your understanding of the privacy options available to you when utilizing our Sites and Services. Please be aware that our service offerings may differ by region. This Privacy Policy is an integral part of our Terms of Use. By accessing or utilizing our services, you expressly consent to the provisions outlined in this Policy as well as our Term of Use. This Privacy Policy supersedes all previous notices, agreements and statements concerning our privacy practices related to our Services. You must not use any of the Services, if you have any objection to this Policy and our Terms of Use. If you have any questions about our privacy practices that are not covered in this Privacy Statement, please contact us.

Who Are We

Our Collection, Use, and Disclosure of Personal Information

1. Personal Information Collection: Upon creating a WalletWise account, we gather the following categories of personal information, which may encompass your name, contact details (including email address, postal address, residential address, and telephone number), as well as authentication information required your login (such as a password). If you opt for an ad-supported subscription plan, we will also collect your gender and date of birth.
2. Location Information: We collect data concerning your physical location/ geolocation when you utilize your device, visit our Site, or engage with our services.
3. Complaint: when you reach out to us for information or choose to file a complaint, we gather detailed information regarding the nature of your requestor the specifics of your complaint. This allows us to address your concerns thoroughly and effectively.
4. Participant Information: In the course of utilizing our services or accessing our Sites, we gather personal data that you provide regarding other participants involved in the transaction, for example, when you initiate a money transfer or request funds through our Services, we gather Personal Data, including the recipient's or sender's name, postal address, telephone number, and financial account details. The amount of Personal Data collected may differ based on the specific Services utilized for the transaction.
5. Financial information: which include details such as your bank account and bank statements or debit or credit card information, as well as your financial history, Bank verification Number (BVN), financial position, status, and credit history, which helps us assess your creditworthiness.
6. We collect your personal data when you visit our website or use our mobile application, including details about your usage of these platforms.
7. Device Information: We may collect specific information related to your device, including but not limited to the hardware model, operating system version, and unique device identifiers. Details such as the mobile network information and, in certain cases, your mobile phone number may be linked to your WalletWise account. This allows us to provide tailored services and ensure the integrity of your account.

Where Does WalletWise Collect My Personal Data From

In most circumstances, we gather your personal information directly from you. This occurs when you register for the WalletWise service, update your Walletwise account or profile, correspond with us, or participate in our surveys. During these interactions, you may provide, and we will collect, the following categories of personal information: personal details, payment information, WalletWise account/profile data, and communication records. When you download or use the application, we may collect usage data. This data could include information such as your device's Internet Protocol (IP) address, browser type, browser version, the pages of our service that you visit, the date and time of your visit, the duration spent on those pages, unique device identifiers, and other diagnostic data.

How We Use Your Personal Information

We use your personal information to provide, maintain, improve, and promote the Walletwise service, as well as to communicate with you.

• To provide and maintain our service.
• To manage risk and protect our sites.
• To administer and operate our business.
• To research, analyze, and enhance our services.
• To ensure safety, security, and fraud prevention.
• To comply with the law and enforce our Terms of Use.
• To process your personal information in order to comply with a legal obligation.
• To contact you by telephone calls, email, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates
• To market to you about WalletWise products and Services and the products and services of unaffiliated businesses. We may also Process your Personal Data to uniquely tailor the marketing content and certain Services or Site experiences to better match your interests on WalletWise and other third-party websites.
• To manage and attend your request to us, for example, to contact you about a question you submitted to our customer service team.

Sharing and Transfer of personal information

We do not disclose Personal Information to third parties, except when it is necessary for our legitimate professional and business purposes, to fulfill your requests, or as required or permitted by applicable law or professional standards. WalletWise may transfer certain Personal Information to members of the WalletWise's family of entities to, among other things, provide the Services you have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements; and to help us manage the availability and connectivity of Our Services, products, and communications. We share personal information with our affiliates and trusted partners to process it according to our instructions, while adhering to our privacy policy and ensuring appropriate confidentiality and security measures.

Eligibility

WalletWise services are not intentionally designed for or directed at children under the age of 18. Individuals who are under 18 years of age are prohibited from providing any information to or engaging with the site or subscribe to our services. We do not knowingly collect personal information from individuals under this age threshold. If you are under 18, please refrain from using the site or providing any information through their features. This restriction includes registering on the site, making purchases, utilizing any interactive or public comment features, or disclosing any personal information such as your name, address, telephone number, email address, or any screen name or username you may employ. Should we discover that we have collected or received personal information from an individual under the age of 18, we will promptly reject the application, terminate the account, and eliminate such information from our records.

Your Privacy Rights

You possess the right to delete or request the deletion of your Personal Data that We have collected about You, as well as to seek our assistance in the deletion process. Additionally, you may correct or update any outdated or inaccurate Personal Information pertaining to you, or request the removal of Personal Information that we retain. You may inquire about the storage of your Personal Information from us and request a copy of such information. Before we can release any Personal Information, we will require verification of your identity. If you are unable to provide adequate proof of identity, we reserve the right to decline the request for Personal Information. We will ensure to respond promptly to inquiries regarding the Personal Information we maintain about you. It is important to note, however, that we may be required to retain specific information when we have a legal obligation or lawful basis to do so.

Retention of data

We will retain Your Personal Data for the period necessary to achieve the objectives specified in this Privacy Policy. We shall retain and utilize Your Personal Data as required to fulfill our legal obligations, such as complying with relevant laws, resolving disputes, and enforcing our legal agreements and policies. The Company may retain specific information when deemed necessary for the purposes of ensuring safety, security, and the prevention of fraud. The Company will retain Usage Data for the purposes of internal analysis, this Usage Data is generally held for a limited duration, except in cases where it is utilized to enhance security measures or improve the functionality of Our Service, or when there exists a legal obligation to retain this data for longer periods.

Use of Cookies

WalletWise use cookies to operate and provide our Services, to help us understand and improve users experience on the website and customize them. We may use the information obtained from use of our cookies to: manage website, improve the website's usability, analyze the use of its website (such as how many people visit it each day), remember your choices to provide a safer experience. Users have the option to disable cookies by modifying the settings in their web browser. However, it's important to note that disabling cookies may not be the best choice, as it can lead to a diminished experience on the website. Certain functionalities, features, and personalized services may rely on cookies for proper operation. As a result, some parts of the site might not work as intended or could become less user-friendly if cookies are turned off. You can find additional general information about cookies and how they function at www.allaboutcookies.org

Changes to This Privacy Policy

WalletWise reserves the right to update or change this Privacy Notice periodically to ensure it aligns with our latest privacy practices. Whenever we make any modifications to this notice, we will update the "effective" date located at the top of the notice to reflect the most recent changes. This ensures that users are always aware of our current policies regarding their privacy.

How Can I Contact WalletWise

If you have any questions, concerns, comments regarding this Privacy Policy, please contact us at your convenience, and we'll get back to you as soon as possible.