PRIVACY POLICY

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REFTA AFRICA PRIVACY POLICY

EFFECTIVE DATE: [5TH OF SEPTEMBER-2023]

Thank you for choosing REFTA AFRICA. We are committed to protecting your privacy and ensuring the security of your personal information.

This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use the Refta Africa Digital Wallet, Marketplace, and associated services (“Services”).

By using our platform, you agree to the terms outlined in this Privacy Policy.

1. INFORMATION WE COLLECT

We collect different types of information to provide and improve our services:

a. Personal Information

• Full name
• Phone number
• Email address
• Date of birth
• Identification documents (for verification/KYC purposes)

b. Financial Information

Wallet transactions

Payment and funding records

Withdrawal details

Marketplace purchase and sales history

c. Communication Data

Messages sent to customer support

Feedback, complaints, and inquiries

Communication preferences

d. Device and Usage Information

IP address

Device type and operating system

Login activity and timestamps

App usage behavior and interactions

2. HOW WE USE YOUR INFORMATION

We use your information for the following purposes:

a. Account Setup and Verification

To create, verify, and manage your Refta account.

b. Transaction Processing

To process:

Wallet funding and withdrawals

Transfers

VTU services (airtime, data, bills)

Marketplace purchases and sales

Referral rewards and vendor activities

c. Marketplace Operations

To:

Enable product listings

Facilitate buying and selling

Manage vendor accounts

Track transactions and performance

d. Customer Support

To assist with complaints, disputes, and technical issues.

e. Marketing and Promotions

To notify you about:

New features and updates

Promotions and offers

Referral and giveaway opportunities

You can opt out at any time.

f. Security and Fraud Prevention

To detect and prevent:

Fraudulent transactions

Unauthorized access

Abuse of platform features

g. Legal and Regulatory Compliance

To comply with applicable laws, regulations, and lawful requests from authorities.

3. DATA SHARING

We do not sell your personal information. However, we may share your data under the following conditions:

a. Service Providers

With trusted third parties that help us operate the platform, including:

Payment processors

Telecom service providers

Hosting and infrastructure services

b. Legal Requirements

When required to:

Comply with laws or regulations

Respond to government requests

Protect the rights and safety of Refta Africa and its users

c. Business Operations

In case of business restructuring, partnerships, or system upgrades where data sharing is necessary.

4. DATA SECURITY

We implement industry-standard security measures, including:

• Data encryption
• Secure servers
• Access controls
• Continuous monitoring

However, no system is completely secure, and users are responsible for protecting their login credentials.

5. YOUR RIGHTS AND CHOICES

a. Access and Update

You can view and update your personal information within your account settings.

b. Account Deletion

You may request account closure by contacting support.

c. Communication Preferences

You can opt out of marketing messages at any time.

6. COOKIES AND TRACKING TECHNOLOGIES

We may use cookies and similar technologies to:

Improve user experience

Track usage patterns

Enhance platform performance

You can manage cookie preferences through your device or browser settings.

7. CHILDREN’S PRIVACY

Refta Africa is not intended for individuals under 18 years of age.

We do not knowingly collect data from minors.

8. DATA RETENTION

We retain user data only for as long as necessary to:

Provide services

Comply with legal obligations

Resolve disputes

9. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time.

All updates will be posted with a revised effective date.

Continued use of the platform means you accept any updates.

10. CONTACT US

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

REFTA AFRICA

📍 48RJ+V9F, Ita Eko 111102, Abeokuta, Nigeria

📧 Email: reftaafrica@gmail.com

📱 WhatsApp Only: 09132401249