Privacy Policy

1. Introduction

ZuruSafe Systems Limited ("ZuruSafe," "we," "our," or "us") values your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, store, share, and protect your information when you use the ZuruSafe website, mobile application, APIs, and related services (collectively, the "Service").

By using ZuruSafe, you agree to the practices described in this Privacy Policy.

2. Who We Are

ZuruSafe is operated by ZuruSafe Systems Limited, a company registered with the Corporate Affairs Commission (CAC) in Nigeria.

3. Scope of This Policy

This Privacy Policy applies to all users, visitors, buyers, sellers, merchants, freelancers, and counterparties who use ZuruSafe.

It forms part of the ZuruSafe Terms & Conditions.

4. Information We Collect

4.1 Information You Provide

We may collect:

• Full legal name
• Email address
• Phone number
• Date of birth
• Residential address
• Government-issued identification
• Selfie images and facial data used for identity verification
• Bank account and payout information
• Passwords (securely hashed and encrypted)
• Transaction information including amounts, descriptions, and participant details
• Dispute details and uploaded evidence
• Messages and communication with support

You are responsible for ensuring that the information you provide is accurate and up to date.

4.2 Information We Collect Automatically

When you use ZuruSafe, we may automatically collect:

• IP address
• Device identifiers
• Device type and operating system
• Browser information
• Login and session timestamps
• Usage and interaction data
• Approximate location data
• Cookies and similar technologies

4.3 Information from Third Parties

We may receive information from trusted third parties including:

• Payment processors and financial partners
• Banks and financial institutions
• Identity verification providers
• Fraud prevention and security services
• Compliance and sanctions screening providers

5. Sensitive Personal Data

Some information we process may be considered sensitive personal data, including:

• Government identification numbers
• Facial verification data used for identity confirmation
• Financial account information

This information helps us verify identities, prevent fraud, and maintain a safer marketplace experience.

6. How We Use Your Information

We use your information to:

• Create and manage user accounts
• Facilitate secure transactions and payments
• Verify user identities
• Prevent fraud, abuse, and suspicious activity
• Support dispute resolution and investigations
• Provide customer support
• Send transaction and account notifications
• Improve and personalize the platform experience
• Monitor platform performance and analytics
• Enforce our Terms & Conditions
• Comply with legal and regulatory obligations

7. Legal Bases for Processing

We process personal information based on:

• Your consent
• Performance of our services and agreements
• Compliance with legal obligations
• Legitimate business interests including fraud prevention and platform security

8. How We Share and Disclose Your Information

We may share your information with:

• Payment and banking partners
• Identity verification providers
• Fraud prevention and compliance partners
• Cloud hosting and infrastructure providers
• Professional advisers and auditors
• Regulators or law enforcement where required

ZuruSafe does not sell your personal data.

9. Marketing Communications

We may send you:

• Transaction notifications
• Security alerts
• Service updates and announcements
• Product and feature updates where permitted by law

You can opt out of marketing emails at any time.

10. Data Retention

We retain information for as long as necessary to:

• Maintain active accounts
• Provide our services
• Meet legal and regulatory requirements
• Resolve disputes and prevent fraud

Some information may continue to be retained after account closure where legally permitted.

11. Data Security

We use industry-standard safeguards to help protect your information, including:

• Encryption in transit and at rest
• Secure infrastructure and firewalls
• Access controls and security monitoring

While we work hard to protect your data, no system can be guaranteed to be completely secure.

12. Data Breach Limitation of Liability

To the maximum extent permitted by law:

• ZuruSafe is not liable for indirect or consequential damages resulting from a data breach.
• Any liability related to a data breach shall be limited to the fees paid to ZuruSafe within the twelve (12) months preceding the incident.

13. Government and Law Enforcement Disclosures

We may disclose information where required or permitted by law, including in response to:

• Court orders
• Regulatory requests
• Law enforcement investigations
• National security requirements

14. Cookies and Tracking Technologies

We use cookies and related technologies to:

• Keep users signed in
• Maintain sessions and preferences
• Understand platform usage
• Improve performance and reliability

Disabling cookies may affect some platform features.

15. International Data Transfers

Your information may be processed or stored outside Nigeria.

We apply safeguards designed to protect your personal data during international transfers.

16. Your Rights

Depending on applicable laws, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your data
• Restrict or object to certain processing activities
• Withdraw consent where applicable

17. Children's Privacy

ZuruSafe is not intended for individuals under 18 years old.

We do not knowingly collect personal data from minors.

18. Third-Party Links

ZuruSafe may contain links to third-party websites or services.

We are not responsible for the privacy practices of those third parties.

19. Changes to This Policy

We may update this Privacy Policy from time to time.

Continued use of ZuruSafe after updates means you accept the revised policy.

20. Contact Information

ZuruSafe Systems Limited

Email: support@zurusafe.com