Privacy Policy

Jerteen ("we", "us", "our") is committed to protecting your personal data in compliance with the Nigeria Data Protection Act 2023 (NDPA), Nigeria Data Protection Regulations (NDPR), and other applicable Nigerian laws. This Policy explains what data we collect, how we use it, and your rights.

• Contact information: name, email address, phone number
• Identity and verification data: BVN, KYC documents (e.g. NIN, ID card, passport, utility bills)
• Location data: approximate location (for tax and compliance purposes)
• Financial data: bank account details, balances, transactions, and assets (accessed only with your consent)
• Usage data: budgeting inputs, AI chat history, tax calculation records
• Technical data: device information, IP address, app usage logs, cookies

• Directly from you during registration and KYC
• From your connected banks (with your explicit consent)
• Automatically through the App
• From government tax portals (when you authorise tax payments)

• To provide the core service: connect banks, display assets, enable transfers, calculate taxes, and process tax payments
• To power AI budgeting and financial guidance features
• To verify your identity and comply with KYC/AML/CBN regulations
• To improve the App and send important service messages
• For analytics and fraud prevention (with your consent where required)

We share your data only when necessary and with your consent or as required by law:

• With your connected banks and payment processors (for transfers)
• With relevant government tax authorities (for tax calculations and payments)
• With our secure third-party service providers under strict data-processing agreements
• With regulators or law enforcement when legally required

We use industry-standard encryption and security measures. We keep your data only as long as needed to provide the service or as required by Nigerian law — financial records are kept for 6–7 years.

You have the right to:

• Access, correct, or delete your data
• Withdraw consent
• Object to processing
• Lodge a complaint with the Nigeria Data Protection Commission (NDPC)

To exercise these rights, contact us:

We use essential cookies and similar technologies to make the App work. You can manage preferences in your device settings.

The App is not intended for persons under 18 years old.

Your data is primarily stored in Nigeria. Any cross-border transfer complies with NDPA adequacy requirements.

We may update this Privacy Policy. Material changes will be notified via the App or email.