1. Introduction

Welcome to ChoiceMonie. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our services, mobile application, website, and any related platforms (collectively, the "Services").

By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Services.

2. Information We Collect

We may collect the following categories of information:

a. Personal Identifiable Information (PII)

• Full name
• Phone number
• Email address
• Date of birth
• Government-issued ID (e.g., BVN, NIN)
• Residential address

b. Financial Information

• Bank account details
• Card details (processed securely via PCI-DSS compliant partners)
• Transaction history

c. Device and Usage Information

• IP address
• Browser type
• Device type
• Operating system
• Mobile identifiers
• App usage data

d. Location Information

With your consent, we may collect geolocation data to enable location-based services.

3. How We Use Your Information

We use the information we collect to:

• Provide and improve our Services
• Authenticate your identity
• Process payments and transactions
• Comply with legal obligations (e.g., KYC, AML)
• Communicate updates, offers, and notifications
• Prevent fraud, abuse, and unauthorized access
• Perform analytics and business operations

4. Legal Basis for Processing (for GDPR Users)

We rely on the following legal bases:

• Consent – For sending marketing communications and accessing location data
• Contract – To provide services based on user agreement
• Legal Obligation – To comply with regulatory requirements
• Legitimate Interests – To enhance service delivery, security, and fraud prevention

5. Sharing and Disclosure of Information

We do not sell your personal data. However, we may share your information with:

• Service providers – For payment processing, identity verification, analytics
• Regulatory bodies – To comply with legal obligations
• Business partners – With your consent, for joint services or promotions
• Law enforcement – As required by law, regulation, or legal process

6. Data Retention

We retain personal data as long as necessary to:

• Provide the Services
• Comply with legal, tax, and regulatory obligations
• Resolve disputes and enforce agreements

Once no longer needed, data is securely deleted or anonymized.

7. Your Rights

Depending on your jurisdiction, you may have the following rights:

• Access – Request access to your personal data
• Correction – Request correction of inaccurate data
• Erasure – Request deletion of your data ("Right to be Forgotten")
• Objection – Object to certain types of processing
• Data Portability – Request transfer of your data
• Withdraw Consent – At any time, for consent-based processing

To exercise your rights, please contact us at contact@choicemonie.com.

8. International Data Transfers

Your information may be transferred and stored outside your country of residence, including countries that may not have the same data protection laws. We ensure appropriate safeguards are in place, such as Standard Contractual Clauses, to protect your information.

9. Data Security

We employ industry-standard security measures to protect your data, including:

• End-to-end encryption
• Secure Socket Layer (SSL) technology
• Firewalls and intrusion detection systems
• Access control and regular audits

However, no method of transmission over the Internet is 100% secure.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect data from minors. If you believe we have collected data from a child, please contact us to delete the information.

11. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Enhance user experience
• Analyze site performance
• Remember user preferences

You can manage your cookie preferences through your browser settings.

12. Third-Party Links

Our Services may contain links to third-party sites or services. This Privacy Policy does not apply to those sites. We are not responsible for their privacy practices.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of any significant changes through our website, app, or via email. Continued use of the Services after such changes indicates your consent.

14. Contact Us

If you have questions, concerns, or complaints regarding this Privacy Policy, please contact:

This policy complies with global privacy laws including:

• General Data Protection Regulation (GDPR) – EU/EEA
• California Consumer Privacy Act (CCPA) – U.S.
• Nigeria Data Protection Act (NDPA) 2023
• UK Data Protection Act (UK GDPR)

Welcome to ChoiceMonie. These Terms and Conditions ("Terms") govern your use of our mobile application, website, and related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

1. Definitions

• "ChoiceMonie" refers to the fintech company providing the Services, including its employees, agents, and affiliates.
• "User" refers to anyone who accesses or uses the Services.
• "Account" means the personalized profile you create to use our Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years old
• Possess the legal capacity to enter into a binding agreement
• Provide accurate and complete information during registration
• Not be restricted under any applicable laws from using financial services

3. User Account & Security

You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your login credentials
• Notify us immediately of unauthorized access or use
• Accept responsibility for all activities under your account

We are not liable for any loss or damage arising from unauthorized access due to your negligence.

4. Services Provided

ChoiceMonie offers digital financial solutions including:

• Savings and wallet accounts
• Payment processing
• POS services
• ATM card issuance
• Bill payments and transfers

Services may be updated or modified without prior notice to improve functionality or ensure compliance.

5. Fees and Charges

Certain Services may attract fees, which will be clearly stated before the transaction is processed. By using the Service, you authorize all applicable charges, including transaction and service fees. We reserve the right to update fees with prior notice.

6. Acceptable Use

You agree not to:

• Use the Services for any unlawful or fraudulent activity
• Infringe on any intellectual property rights
• Transmit harmful software (viruses, malware, etc.)
• Interfere with or disrupt the operation of the Services
• Engage in money laundering or terrorism financing activities

Violation may lead to suspension or termination of your account and possible legal action.

7. Privacy

Your privacy is important to us. By using the Services, you consent to the collection and use of personal data in accordance with our Privacy Policy.

8. Intellectual Property

All content on the Services, including logos, text, graphics, and software, is the property of ChoiceMonie or its licensors and is protected by intellectual property laws. You may not copy, distribute, or use our content without written permission.

9. Suspension and Termination

We reserve the right to:

• Suspend or terminate your access to the Services at our discretion
• Refuse or cancel transactions suspected to be fraudulent
• Report any suspicious activity to relevant regulatory authorities

Termination of Services does not affect your obligations accrued under these Terms.

10. Disclaimers

• We do not guarantee the Services will be error-free, secure, or uninterrupted.
• Services are provided on an "as-is" and "as-available" basis.
• We are not liable for delays, losses, or damages caused by third-party service providers or force majeure events.

11. Limitation of Liability

To the maximum extent permitted by law, ChoiceMonie shall not be liable for any:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or goodwill
• Unauthorized access to or alteration of your transmissions or data

Our total liability to you shall not exceed the amount paid by you (if any) for the Services in the last 3 months.

12. Indemnity

You agree to indemnify, defend, and hold harmless ChoiceMonie from any claims, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Services
• Violation of these Terms
• Infringement of rights of any third party

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles. Disputes shall be subject to the exclusive jurisdiction of courts located in Lagos.

14. Dispute Resolution

We encourage resolving disputes amicably. If a resolution cannot be reached, the matter may be submitted to mediation or arbitration under Nigerian law before seeking court remedies.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Updates will be posted on our platform and may be communicated via email or in-app notification. Continued use of the Services after such changes constitutes your acceptance of the revised Terms.

16. Contact Information

If you have any questions about these Terms, please contact: