Your Privacy Matters to Us

1.1 Personal Information

We collect personal information that you provide directly to us, including:

• Full name, date of birth, and government-issued identification
• Contact information (email address, phone number, physical address)
• Financial information (bank account details, transaction history)
• Employment and income information
• Profile photo and other profile information you choose to provide

1.2 Financial Data

To provide our services, we collect:

• Payment and transaction information
• Circle participation and contribution records
• Points balance and reward history

1.3 Usage Information

We automatically collect information about your use of our services:

• Device information (device type, operating system, unique device identifiers)
• Log data (IP address, browser type, access times, pages viewed)
• Location information (with your permission)
• Cookies and similar tracking technologies

1.4 Information from Third Parties

We may receive information about you from:

• Identity verification services
• Other members of your circles (references and feedback)
• Social media platforms (if you choose to connect your accounts)

3.1 With Other Members

When you join a circle, certain information (name, profile photo, participation history, and reputation score) is shared with other circle members to facilitate trust and transparency.

3.2 With Service Providers

We share information with trusted third-party service providers who help us:

• Process payments and transactions
• Verify identities and prevent fraud
• Provide customer support
• Analyze data and improve our services
• Send communications on our behalf

3.3 For Legal Reasons

We may disclose your information if required to do so by law or in response to:

• Legal processes or government requests
• Protection of our rights, property, or safety
• Looking into potential violations of our Terms of Service
• Prevention of fraud or other illegal activities

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change in ownership or control.

5.1 Access and Update

You can access and update your personal information through your account settings at any time.

5.2 Data Portability

You have the right to request a copy of your personal data in a machine-readable format.

5.3 Deletion

You may request deletion of your account and personal information, subject to legal and contractual obligations. Some information may be retained for compliance purposes.

5.4 Marketing Communications

Marketing updates are opt-in: we only send them if you explicitly agreed when you joined (separate from accepting these terms). You can opt out at any time by using the unsubscribe link or adjusting your notification preferences. We keep a record of the consent choices you make.

5.5 Cookies & Analytics

We use essential cookies that are required for the site to function. With your consent, we also use analytics cookies via Google Analytics (managed through Google Tag Manager) to understand how visitors find and use Ntoboa, including campaign parameters (UTMs), so we can improve the experience. Analytics cookies are loaded only after you accept; we use Google Consent Mode, so no analytics or advertising cookies are set if you decline.

You can change your choice at any time through our cookie consent banner or your browser settings.