Privacy Policy

This Privacy Policy explains how Monicircle ("Monicircle", "we", "us") collects, uses, shares and protects information when you use our website and platform, including Community Savings, Cooperatives and Community Campaigns.

This is placeholder content prepared for design and product purposes. It is illustrative only and has not been reviewed by qualified Nigerian legal or privacy counsel. It must be replaced with a policy reviewed against the applicable Nigerian data-protection framework before this website is used in production.

We collect information you provide directly, including:

• Account details such as your name, phone number and email address.
• Group information you create or join, including group rules and membership.
• Contribution and payout records you or your group admin enter.
• Support messages and other communications with us.

We also collect information automatically, such as device and usage information described below.

We use information to:

• Operate your account, groups and organization workspace.
• Verify identity and activate memberships.
• Record contributions, payouts and related administrative activity.
• Send notifications about your group and account.
• Maintain security, prevent fraud and comply with legal obligations.
• Improve the platform based on how it is actually used.

Monicircle uses phone-based identity verification to confirm members and officers. We collect and store your phone number, verification status and related metadata to distinguish confirmed participants from unverified users, and to support the audit trail described in our product documentation.

Group admins and authorized officers may enter information about members, including names, contact details and membership status, for the purpose of administering a group. If you are added to a group by an admin or officer, this policy applies to that information as well.

We maintain records of contributions, payouts and related transactions associated with your groups. Where payments are processed through a third-party payment provider, that provider's own terms and privacy practices also apply to the processing of the payment itself.

We automatically collect limited technical information such as IP address, device type, browser type, and general usage data (such as pages visited and actions taken) to operate, secure and improve the platform.

We do not sell your personal information. We may share information with:

• Other members of your group, to the extent your group's role permissions allow.
• Service providers who help us operate the platform (see below).
• Regulators or authorities, where required by applicable law.
• A successor entity, in the event of a merger, acquisition or asset sale, subject to this policy.

We work with third-party service providers for functions such as cloud hosting, communications (SMS/email) and payment processing. These providers process information on our behalf and are expected to protect it in line with applicable law and their own published terms.

We retain information for as long as your account or group remains active, and for a reasonable period after that where needed to maintain accurate financial and administrative records, resolve disputes, or meet legal obligations.

We use technical and organizational safeguards designed to protect your information, including access controls, encryption in transit, and audit logging of administrative actions. No system is completely secure, and we cannot guarantee absolute security.

Depending on applicable law, you may have rights to access, correct, delete, or request a copy of your personal information, and to object to or restrict certain processing. To exercise these rights, contact us using the details below.

We use cookies and similar technologies to keep you signed in, remember preferences, and understand how the website is used. See our Cookie Policy for details.

Where information is transferred outside Nigeria — for example, to a cloud infrastructure provider — we take steps intended to ensure it continues to receive an appropriate level of protection, consistent with applicable law.

Monicircle is not directed at children, and we do not knowingly collect personal information from children in a manner inconsistent with applicable law.

We may update this policy from time to time. If we make material changes, we will provide reasonable notice, such as by updating the "last updated" date above or notifying you directly.

Questions about this policy can be sent to privacy@monicircle.com.