Privacy Policy
This Privacy Policy describes how Azaman ("Azaman," "we," "us," or "our") collects, uses, stores, shares, and protects personal information when you use our mobile application, website at https://www.azaman.me/, and related products and services (collectively, the "Services"). By using the Services, you agree to the practices described in this Privacy Policy.
1. Information We Collect
1.1 Information You Provide
We may collect information you provide directly, including:
- Full name, date of birth, and government-issued identification details for identity verification (KYC)
- Email address, phone number, and residential address
- Account credentials and security information
- Payment and payout details, including bank account and mobile money information
- Profile information, preferences, and communications with us or other users through in-app chat
- Information submitted through customer support, surveys, or waitlist forms
1.2 Information Collected Automatically
When you use the Services, we may automatically collect:
- Device information (model, operating system, unique device identifiers, app version)
- Log and usage data (features used, session duration, crash reports, performance data)
- IP address, approximate location, and network connection type
- Transaction history, balances, savings activity, and in-app payment records
- Cookies and similar technologies when you visit our website
1.3 Information from Third Parties
We may receive information from:
- Identity verification, fraud prevention, and compliance partners
- Payment processors, banks, mobile money operators, and card networks
- App store providers and analytics services
- Public databases and credit or risk assessment providers where permitted by law
2. How We Use Your Information
We use personal information to:
- Create and manage your account and authenticate your identity
- Provide money transfer, savings, payment, shopping, and card-related features
- Process transactions, verify payments, and prevent fraud or unauthorized activity
- Comply with legal, regulatory, and anti-money laundering (AML) obligations
- Communicate with you about your account, security alerts, updates, and support requests
- Improve, personalize, and develop the Services
- Enforce our Terms of Service and protect the rights, safety, and security of Azaman and our users
- Send marketing communications where you have consented or where permitted by law
3. Legal Basis for Processing
Depending on your location, we process personal information based on one or more of the following:
- Performance of a contract with you
- Compliance with legal and regulatory obligations
- Legitimate interests, such as fraud prevention, security, and service improvement
- Your consent, where required
4. How We Share Information
We do not sell your personal information. We may share information with:
- Service providers that help us operate the Services (hosting, analytics, customer support, identity verification, payment processing)
- Financial partners including banks, payment networks, mobile money operators, and card issuers to complete transactions
- Regulators and authorities when required by law, court order, or to respond to lawful requests
- Business transfers in connection with a merger, acquisition, financing, or sale of assets
- Other users only where necessary to facilitate transactions or features you choose to use (such as order chat or group savings features)
All third parties are required to handle your information in accordance with applicable law and contractual safeguards.
5. International Data Transfers
Azaman is built for users in Ghana and across Africa. Your information may be processed in countries other than your country of residence, including where our service providers operate. Where required, we implement appropriate safeguards for cross-border transfers.
6. Data Retention
We retain personal information for as long as necessary to provide the Services, comply with legal and regulatory requirements (including financial record-keeping obligations), resolve disputes, and enforce our agreements. Retention periods may vary depending on the type of data and applicable law.
7. Security
We use administrative, technical, and organizational measures designed to protect your information, including encryption in transit, access controls, and monitoring for suspicious activity. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your Rights and Choices
Depending on applicable law, you may have the right to:
- Access, correct, or update your personal information
- Request deletion of your information, subject to legal retention requirements
- Object to or restrict certain processing
- Withdraw consent where processing is consent-based
- Lodge a complaint with a relevant data protection authority
To exercise these rights, contact us atsugru@azaman.me. We may need to verify your identity before responding.
9. Children's Privacy
The Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take appropriate steps to delete it.
10. Cookies and Similar Technologies
Our website may use cookies and similar technologies to maintain sessions, remember preferences, measure performance, and improve user experience. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain website functionality.
11. Marketing Communications
We may send promotional messages about Azaman products and features. You can opt out of marketing emails by using the unsubscribe link in those messages or by contacting us. You may still receive transactional or service-related communications.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make material changes, we will notify you through the app, website, or other appropriate means. The updated policy will be effective as of the date stated at the top of this page. Your continued use of the Services after changes become effective constitutes acceptance of the revised policy.
13. Contact Us
If you have questions about this Privacy Policy or our data practices, contact:
Azaman
Email:sugru@azaman.me
Website:https://www.azaman.me/