Privacy Policy

1. Information We Collect

We collect personal data to deliver a secure financial experience. This includes information you provide directly during account registration, KYC compliance, and standard transactions:

• Personal Identification: Full Name, Address, Date of Birth, BVN, and email address.
• Transactional Data: Information regarding deposits, cooperative savings pools, withdrawals, and group contributions.
• Digital Footprints: IP address, device specs, cookie identifiers, and browser logs.

2. How We Use Your Information

Your data helps us process payments securely, comply with regulatory requirements, and upgrade platform services. Specifically:

• To verify identity and protect against fraudulent activities.
• To automate group Ajo collection cycles and disburse payout distributions correctly.
• To comply with applicable Nigerian financial and anti-money-laundering regulations.

Website and app usage statistics

To understand how our website and apps are used and to keep them working well, we record which pages and screens are opened, roughly where from, and on what kind of device. Specifically:

• We use a random visit code that disappears when you close the browser tab. We do not set a tracking cookie for this.
• We record your approximate city, state and country, worked out from your internet connection. We do not store your IP address and we never use GPS for this.
• If you are signed in, the visit is linked to your account so we can support you and protect it from misuse.
• This information is kept for up to 13 months, is seen only by authorised AtusWest staff, and is never sold. If your browser sends a "Do Not Track" signal, we do not record your visits.

3. Data Integrity & Security

We implement bank-grade encryption protocols (TLS/SSL) to safeguard your financial details. Staff access to customer data is limited by role, every staff action is recorded in an audit log, and staff sign in with two-step verification (a password plus a code from an authenticator app). Sensitive staff actions also require the staff member to re-enter their password.

4. Third-Party Disclosures

We do not sell your personal data. We only share essential transactional indicators with verified payment processors (e.g. licensed gateway nodes) and government regulatory units when legally required.