At Nkwado Technologies Limited ("Nkwado", "we", "us", or "our"), transparency is our priority. This Privacy Policy explains how we collect, use, and protect your personal information when you use our platform at https://nkwado.com and our mobile applications.
1. Information We Collect
To provide our Services effectively, we collect only essential personal and operational data. When you create an account, we collect:
- Identity Data: Your full name, email address, and phone number.
- Financial Data: Your bank account details. (Note: We do not collect or hold credit/debit card data; all card payments are securely handled by certified third-party processors).
- Media Data: Profile photos uploaded by all users, product pictures uploaded by sellers, and text/audio logs shared within our in-app chat feature.
- Location Data (Opt-In strictly): We process location data solely based on your explicit opt-in. This is used strictly to get accurate delivery addresses, route items to storage centres, or track the live location of dispatch riders to assign work efficiently.
2. How We Use Your Information
We use the information we collect for the following specific purposes:
- Service Delivery: To create your account, manage your user category (Buyer, Seller, Logistics), and operate our secure platform escrow system.
- Financial Transactions: To process payouts to sellers and logistics partners, or to issue refunds to buyers using the provided bank account details.
- Logistics Management: To utilize your opt-in location data to ensure seamless end-to-end tracking, delivery, and dispatch assignments.
- Dispute Resolution: To review text/audio chat logs, photos, and transaction histories to mediate disputes and enforce our platform return rules.
- Marketing: To utilize seller product pictures for platform advertisements, ensuring the shop name is appropriately credited.
- Platform Safety: To monitor the platform for illegal activities, fraud, or inappropriate (NSFW/hateful) content to maintain a safe and functional environment.
3. Data Sharing and Third Parties
We do not sell your personal data to third parties. We only share your data under the following circumstances:
- Payment Processors: We integrate with certified third-party payment processors who handle your sensitive card data securely.
- Logistics Partners: We share necessary details (such as names, phone numbers, and delivery locations) with our storage centres and dispatchers to fulfill your order.
- Legal Requirements: We will disclose your information if required to do so by Nigerian law, law enforcement agencies, or in response to valid legal requests.
4. Data Security and Retention
We implement robust technical and organizational measures to ensure your data is secure against hacking, unauthorized access, and alteration. We retain your personal data for as long as your account is active, or as needed to provide our services, resolve disputes, and comply with legal obligations.
5. Your Rights Regarding Your Data
Under applicable data protection laws, you have the right to:
- Access the personal information we hold about you.
- Request corrections to inaccurate or incomplete data.
- Opt-out of location tracking at any time by adjusting your device or application settings.
- Request the deletion of your account and personal data, subject to our legal and dispute-resolution retention requirements.
6. Governing Law
This Privacy Policy is governed by the laws of the Federal Republic of Nigeria, including applicable data protection regulations such as the Nigeria Data Protection Act (NDPA).
7. Contact Us
If you have any questions or concerns regarding this Privacy Policy or how your data is handled, please contact our support team through the Nkwado platform or at our official contact email (support@nkwado.org).