The Ajo App
 Last updated: 12th January 2026
Gidi Financial Technologies Limited (“Gidi Financial”, “we”, “our”, or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use The Ajo App.
By using The Ajo App, you agree to the collection and use of information as described in this policy.

1. Information We Collect
We collect the following types of information:
a. Personal Information

b. Financial Information

• First and last name
• Email address
• Phone number
• BVN and NIN (for identity verification only)
• Date of birth (where required)

b. Financial Information

• Wallet account number generated by the app
• Transaction history (contributions, payouts, withdrawals)

c. Technical Information

• Device information
• App usage data
• IP address and log data

2. How We Use Your Information
We use your information to:

• Create and manage your account
• Verify your identity (KYC & AML compliance)
• Generate your wallet account number
• Facilitate group savings and financial transactions
• Prevent fraud and unauthorized access
• Comply with legal and regulatory obligations
• Improve the app and user experience

3. How We Share Your Information
We do not sell your personal data.
We may share information only with:

• Licensed payment processors and banking partners
• Identity verification and KYC service providers
• Regulators or law enforcement where required by law

All third parties are required to protect your data and use it only for agreed purposes.
4. Data Security
We implement industry-standard security measures to protect your information, including:

• Data encryption
• Access controls
• Secure servers

Sensitive information such as BVN and NIN is used strictly for verification and is not publicly visible.
5. Data Retention
We retain your data only for as long as necessary to:

• Provide our services
• Meet legal and regulatory requirements

6. Your Rights
You have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request account closure (subject to regulatory obligations)

Requests can be made through the app or by contacting us directly.
7. Regulatory Compliance
The Ajo App complies with:

• Nigeria Data Protection Regulation (NDPR)
• Applicable CBN and financial services regulations

8. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be communicated within the app.
9. Contact Us
If you have questions about this Privacy Policy or how your data is handled, please contact:
Gidi Financial Technologies Limited
 Email: support@myajosavings.com