Privacy Policy

FinTribe is a women-focused financial platform that offers structured savings (contributions), fixed-income investing, wallet and virtual-account services, and community (tribe) features. In this policy, 'FinTribe', 'we', 'us', and 'our' refer to the FinTribe entity operating the platform; 'you' and 'your' refer to the person using our services.

For the purposes of applicable data-protection law, FinTribe acts as the data controller for the personal data described in this policy. If you have questions, you can reach our privacy team using the contact details at the end of this policy.

We collect the following categories of information:

• Account and identity information — your name, email address, phone number, date of birth, gender, country and state of residence, profile photo, and chosen username (user tag).
• Verification (KYC) information — your Bank Verification Number (BVN) and other identity details required to verify you and to create your dedicated funding account, as required by our licensed banking and payment partners and applicable regulation.
• Financial and transaction information — your wallet balances, contributions, fixed-income subscriptions, withdrawals, linked bank account details, virtual-account details, and the history of payments into and out of your account.
• Usage and device information — log data, device identifiers, IP address, app version, and how you interact with our features, collected to keep the service secure and to improve it.
• Communications — messages you send within tribe chats, support requests, and feedback you provide to us.
• Referral information — the user tag you share and the sign-ups attributed to you through our referral programme.

Some information is required to provide the service (for example, KYC details needed to open a funding account). If you choose not to provide it, we may be unable to offer some or all of our services.

We use your information to:

• Create and administer your account and verify your identity.
• Provide our services — process contributions, fixed-income subscriptions, deposits, and withdrawals, and operate your wallet and virtual account.
• Communicate with you about your account, transactions, security, and service updates.
• Operate community features such as tribes, leaderboards, and referrals.
• Detect, prevent, and investigate fraud, money laundering, and other prohibited activity, and to meet our legal and regulatory obligations.
• Maintain, secure, troubleshoot, and improve our platform, including analytics on how features are used.

Depending on the activity, we rely on one or more of the following legal bases: performance of our contract with you (to deliver the services you sign up for); compliance with a legal or regulatory obligation (for example, KYC and anti-money-laundering rules); our legitimate interests (such as securing the platform and preventing fraud); and your consent, where we ask for it (for example, certain marketing communications). Where we rely on consent, you may withdraw it at any time.

We do not sell your personal data. We share it only as needed to run the service and meet our obligations, including with:

• Licensed payment and banking partners that process payments, create your dedicated virtual account, and facilitate withdrawals.
• Identity-verification and fraud-prevention providers used to confirm your details (for example, BVN verification).
• Service providers that host our infrastructure, send our emails and notifications, and provide analytics and customer support — under contracts that require them to protect your data.
• Regulators, law-enforcement, courts, or other authorities where we are required to do so by law, or to protect our rights, users, or the public.
• A successor entity in the event of a merger, acquisition, financing, or sale of assets, subject to this policy.

We apply technical and organisational measures designed to protect your information, including encryption of sensitive personal data at rest, encryption in transit, access controls, and monitoring. No method of transmission or storage is completely secure, so while we work hard to protect your data we cannot guarantee absolute security. Please keep your login credentials, transaction PIN, and one-time passwords confidential, and tell us immediately if you suspect unauthorised access.

We keep your information for as long as your account is active and for as long afterwards as needed to provide the service, comply with our legal, tax, accounting, and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods for financial records are typically set by applicable financial-services regulation. When information is no longer needed, we delete or anonymise it.

Subject to applicable law, you have the right to access the personal data we hold about you, to request correction of inaccurate data, to request deletion, to object to or restrict certain processing, to withdraw consent, and to request a copy of your data in a portable format. You can exercise many of these rights in the app, or by contacting us using the details below. We may need to verify your identity before acting on a request, and some requests may be limited by our legal obligations (for example, records we must retain). You also have the right to lodge a complaint with the Nigeria Data Protection Commission.

We use cookies and similar technologies to keep you signed in, remember your preferences (such as light or dark mode), secure the service, and understand how it is used. Strictly necessary cookies are always on; analytics and marketing cookies are used only with your consent. You can review and change your choices at any time using the 'Cookie preferences' link in the footer, or control cookies through your browser settings — though disabling some may affect how the service works.

FinTribe is intended for adults aged 18 and over. We do not knowingly collect personal data from anyone under 18. If you believe a minor has provided us with personal data, please contact us and we will take appropriate steps to delete it.

Some of our service providers may process your information outside Nigeria. Where we transfer personal data across borders, we take steps to ensure it remains protected in accordance with the NDPA and this policy, including appropriate contractual safeguards.

We may update this Privacy Policy from time to time. When we make material changes, we will update the 'Last updated' date above and, where appropriate, notify you in the app or by email. Your continued use of FinTribe after an update means you accept the revised policy.

If you have questions about this policy or how we handle your data, or if you would like to exercise your rights, contact us at support@thefintribe.com. We will respond within the timeframes required by applicable law.