Welcome to TechFusion Africa Technologies Limited ("TechFusion," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

This policy applies to all our products and services, including our mobile applications Fuse and 30Plus (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this policy. We are committed to protecting your privacy and handling your data in an open and transparent manner. Our data processing activities are governed by the Nigeria Data Protection Regulation (NDPR) and other applicable laws.

TechFusion Africa Technologies Limited is the legal owner and operator of the following products:

Fuse: A mobile application for managing personal finances and tracking expenses.

30Plus: A technology platform that empowers partner organizations and their networks of field agents to deliver financial services directly to customers. The services offered through the 30Plus platform include, but are not limited to:

• Digital Savings (Ajo/Esusu/Adashe): Management of daily savings collections.
• Micro Loans: Facilitation of loan applications, disbursement, and collection.
• Value-Added Services: Access to household products, micro-insurance, and remittances.

All loan and credit services offered through the 30Plus app are provided directly by TechFusion Africa Technologies Limited, which is fully licensed and regulated by the Federal Competition and Consumer Protection Commission (FCCPC) of Nigeria.

We collect information to provide and improve our services. This information is collected from you directly, from agents acting on behalf of our partner organizations, and automatically through your use of our app.

3.1 Information You Provide or Is Provided on Your Behalf

Account Registration Information: When an agent creates an account for you, we collect your full name, phone number, address, and other necessary contact details.

Communications: Information you provide when you contact our customer support teams or communicate with us in any other way.

Information for Financial Services (Primarily for 30Plus): To comply with regulatory requirements ("Know Your Customer"), assess creditworthiness, and provide our services, we are required to collect:

• Identity Information: Government-issued identification (e.g., National ID, Driver's License, Passport), Bank Verification Number (BVN), and a profile picture (selfie). This information is typically collected by a registered agent.
• Financial Information: Details about your income, employment status, transaction history, bank account details, and credit history.
• Device Permissions: We request access to your device's camera or photo library via the 30Plus app solely for the purpose of uploading your identity documents and profile picture as part of your application.

3.2 Information We Collect Automatically

Usage Information: We collect information about your activity on our Services, such as transaction records, repayment schedules, access times, and the features you use.

Device Information: We collect information about the device you use to access our Services, including the hardware model, operating system and version, and unique device identifiers.

We use the information we collect to:

• Provide, maintain, and improve our Services.
• Create and manage your account and your relationship with your designated agent and their organization.
• For 30Plus:
  • Verify your identity and perform credit checks.
  • Determine your eligibility for loans and other financial products.
  • Process transactions, including savings deposits, loan disbursements, and repayments.
  • Send automated SMS notifications for all transactions to ensure transparency.
• Communicate with you about our services, offers, and promotions.
• Provide customer support.
• Monitor and analyze trends, usage, and activities.
• Prevent fraud, illegal activities, and protect the security of our platform.
• Comply with our legal and regulatory obligations.

We do not share your personal information with third parties except in the circumstances described below:

• With Partner Organizations and Agents: Your information is accessible to the registered agent and the partner organization that manages your account to allow them to provide direct, in-person service to you.
• With Credit Bureaus: For our 30Plus loan service, we are required to share information about your credit history with licensed credit bureaus in Nigeria.
• With Service Providers: We may share your information with third-party vendors who perform services on our behalf, such as identity verification, data analysis, and payment processing. These providers are contractually obligated to protect your data.
• For Legal Reasons: We may disclose your information if we believe disclosure is necessary to comply with any applicable law, regulation, legal process, or governmental request.
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.

We implement a variety of security measures to maintain the safety of your personal information. We use encryption, firewalls, and secure server facilities to protect your data. Agents are trained on data privacy and security protocols.

Under the NDPR, you have certain rights regarding your personal data, including the right to access, correct, or request the deletion of your data. To make such a request, please contact us at the details below.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Effective Date" at the top.

If you have any questions about this Privacy Policy, please contact us:

TechFusion Africa Technologies Limited
Email: [email protected]
Website: https://techfsn.com/