Privacy Policy

Overview

This Privacy Policy describes your privacy rights regarding how Moniger collects, uses, processes, discloses, and protects your information — including any nonpublic personal information.

This Policy applies to Personal Data collected by Moniger Technologies Ltd when you use our website, mobile application, or any other platform belonging to Moniger. We may update this Policy from time to time and will notify you of material changes by revising the date at the top of this Policy.

Data We Collect

We collect different types of information depending on how you interact with Moniger. This includes information you provide directly, data collected automatically, and information from third-party sources.

Information you provide

Name, email address, phone number, and date of birth.

Bank account information and BVN for identity verification.

Username, password, and next of kin details.

Any other information you choose to provide while using Moniger.

Financial transaction data

Information about your transactions, balances, spending categories, and account activity when you use Moniger to manage your money.

How We Use Your Data

We use your Personal Data only for legitimate purposes. This includes:

Providing, maintaining, and improving our Services.

Verifying your identity and preventing fraud.

Processing transactions and sending related confirmations.

Sending security alerts, technical notices, and support messages.

Personalising your experience and improving AI-powered features.

Analysing usage trends to improve platform performance.

Communicating with you about products, offers, and updates.

Sharing And Disclosure

We may share your data with service providers, banking partners, fraud prevention providers, and other trusted third parties when it is necessary to deliver the Services or comply with legal obligations.

Service providers who help us operate the platform.

Financial institutions when you connect bank accounts.

Legal or regulatory authorities when required by law.

Business transfers in connection with a merger, acquisition, or sale of assets.

Your Rights And Controls

Under GAID 2025 and applicable Nigerian data protection law, you have the following rights over your Personal Data:

The right to request a copy of the Personal Data we hold about you.

The right to have inaccurate or incomplete data corrected.

The right to request deletion of your data in certain circumstances.

The right to receive your data in a portable, machine-readable format.

The right to withdraw consent at any time without affecting past processing.

The right to lodge a complaint with the Nigerian Data Protection Bureau (NDPB).

To exercise any of these rights, contact our Data Protection Officer at privacy@moniger.com .