Privacy Policy

Effective Date: 1st September 2026

1. Introduction

SaveMoni Technologies Ltd ("SaveMoni", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you use SaveMoni's website, mobile application, and related services.

By using SaveMoni, you consent to the collection and processing of your personal information as described in this Policy.

2. Information We Collect

We may collect the following information:

Personal Information

  1. Full name
  2. Phone number
  3. Email address
  4. Residential address
  5. Date of birth
  6. Gender (where applicable)
  7. NIN
  8. BVN (where required)
  9. Government-issued ID
  10. Selfie verification (for higher verification tiers)

Financial Information

  1. Bank account details
  2. Virtual account details
  3. Transaction history
  4. Savings plans
  5. Payment records

Device Information

  1. Device type
  2. Operating system
  3. IP address
  4. Browser information
  5. Device identifiers
  6. App usage information

3. How We Use Your Information

  1. Create and manage your account.
  2. Verify your identity.
  3. Process deposits and withdrawals.
  4. Provide savings services.
  5. Prevent fraud and financial crime.
  6. Improve our services.
  7. Respond to customer support requests.
  8. Comply with legal and regulatory obligations.

4. Information Sharing

We do not sell your personal information.

We may share your information with:

  1. Licensed partner banks
  2. Payment service providers
  3. Identity verification providers
  4. Regulatory authorities
  5. Law enforcement agencies where required by law
  6. Professional advisers where necessary

5. Data Security

SaveMoni uses reasonable administrative, technical, and organizational measures to protect your information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no electronic system is completely secure, and users should also protect their login credentials.

6. Data Retention

We retain personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Rights

  1. Access your personal information.
  2. Correct inaccurate information.
  3. Request deletion where legally permissible.
  4. Object to certain processing activities.
  5. Withdraw consent where processing is based on consent.
  6. Request a copy of your personal data.

8. Cookies and Similar Technologies

Our website and applications may use cookies and similar technologies to improve user experience, enhance security, and analyze platform performance.

9. Children's Privacy

Users under the age of 18 may only use SaveMoni with the consent or supervision of a parent or legal guardian where permitted by applicable law.

10. Changes to This Privacy Policy

SaveMoni may update this Privacy Policy from time to time. Updated versions will be published on our platform with the revised effective date.

11. Contact Us

SaveMoni Technologies Ltd

Address:
Opp. Mobile Filling Station,
Along Enugu-Abakaliki Road,
Nigeria.

Email: support@savemoni.com
Phone / WhatsApp: 08108418689