1. Introduction

This Privacy Policy (“the Policy”) governs your use of the ONEBUDDY Platform and the process involved in the acquisition, processing, porting, storage and disposing of your personal data in connection with our website https://www.moza.africa / https://www.moza.africa associated domains thereof, applications and other technological solutions (“the Platform”) developed by ONEBUDDY NIGERIA LIMITED (Moza/Onebuddy/We/Our/Us”). This Privacy Policy also governs your rights regarding the foregoing. We take pride in securing and maintaining the privacy of the data we collect from you.

2. Personal Information We Collect

2.1. Information you provide to us

Personal Data means any information or data about an individual from which that person can be identified. It does not include data or information where the identity has been removed. We collect the following personal information in order to provide personalized and improved experience. Personal Data may be given to us directly by you or by people or companies authorized by you to act on your behalf. We may also collect Personal Data about you from third parties in connection with our services.

We may collect and process the following Personal Data through your use of the Platform or any of our Services.

• Personal Information including name, date of birth, age, phone number, email address, age, citizenship, religion, sex, employer’s information, business information, next of kin details and any other information required to process your information as a user on the Platform.

• Information provided in connection with products via the Platform, including report on credit history, credit scoring information, passport photographs, information relating to your income, expenses, assets, debts, account balances or payment history, National Identification Number (NIN), Bank Verification Number (BVN), credit and or debit card information, Bank account information, data page of international passport and / or driver’s license or permanent voters card, letter of non-indebtedness etc.

• Any other Personally Identifiable Information that you choose to provide to US or that you consent to us collecting.

• Contact Information: first and last name, email address. phone number and any other information required to process your information as a user of our platforms.

• Records of any surveys that we may ask you to complete that we use for research purposes.

• Contact Information: first and last name, email address. phone number and any other information required to process your information as a user of our platforms.

• **Mobile Devices:** Some of our applications can be accessed through mobile application or mobile-optimized website from which we collect user’s data. This policy applies to access and use of data through mobile devices.

• Mobile Devices: Some of our applications can be accessed through mobile application or mobile-optimized website from which we collect user’s data. This policy applies to access and use of data through mobile devices.

• Inquiries: When an inquiry is sent to us through our contact form, we use the personal data that you have stated in the contact form to send a response to you. Any personal data received from you shall not be used for any other purpose without your prior consent and knowledge and shall not be disclosed.

• Personal Data may be given to us directly by you or by people or companies authorized by you to act on your behalf. We may also collect Personal Data about you from third parties in connection with our Services (for example, a credit reporting agency). No Personal Data about you will be collected without your consent for us to do so.

• Where we need to collect Personal Data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to provide the Services envisaged or requested.

2.2. Automatic data collection

In general, website visitors do not need to provide personalized information to us. We may collect "aggregate data," i.e., group data with no personal identifiers such as IP address, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information.

We use this aggregate data to help us understand how the Sites are being used and to improve usability. We also use it to enhance the quality and availability of products and services we offer.

2.4. USERS CONSENT

This policy is enforced after you consent to it when you sign-up, access our products, services, content, features, technologies or functions offered from our websites, related sites, portals, applications and services. If you choose to use the Platform, you agree to the collection and use of your Personal Data in accordance with this Policy. The personal information collected may be used to improve our customer experience on the Platform. We will not use or share your personal information with anyone except as provided under this Policy.

3. Information Collection

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to email address, telephone number. The information that we request will be retained by us and used as described in this privacy policy. This platform does use third party services that may collect information used to identify you. Link to privacy policy of third party service providers used by the platform.

4. How We Use Personal Information

• To notify you about changes to our services

• to undertake any obligation arising from and exercise our rights under any agreement between you and us.

• To process and assess your application for employment with us.

• For statistical analysis and market research.

• To develop and improve our services.

• To satisfy a legitimate interest (which is not overridden by your data protection interest).

• To comply with a legal or regulatory obligation.

• To manage risk, detect or prevent or remediate fraud or other potentially prohibited or illegal services..

• To update our records.

4.1. HOW LONG WE STORE YOUR PERSONAL DATA

We will retain your Personal Data for as long as you remain an active user of the Platform unless you request we remove your Personal Data as provided under this Policy. Please note that your Personal Data may be retained for a longer period notwithstanding your request to remove your Personal Data, where there is a legal requirement to do so.

Where your Personal Data has been shared with a third-party on the Platform whose services you have subscribed to, the Personal Information held by such third-party may also be retained thereby and shall be governed by the third-party’s applicable policy on retention of user’s data.

5. ARCHIVING/REMOVAL

To ensure that personal data is kept for no longer than necessary, the Company puts in place a data retention policy for each area in which personal data is processed and review this process annually. This retention policy considers what data should/must be retained, for how long, and why.

5. Children's Privacy

We do not use the Platform to knowingly solicit data from children or individuals under the age of Fifteen (15). Where a parent or guardian discovers that a child or individual under the age of Fifteen (15) has provided us with his/her Personal Data without their consent, he or she should contact us at support@moza.africa and we shall immediately delete the user’s account from our servers.

6. Who We Shared Your Personal Data With?

We do not rent or sell your personally identifiable information to other individuals or organizations. You agree that we may share your Personal Data with third parties as described in the table below.

• Application Program Interface (API) Users – A limited number of partners may have API access to portions of the Platform e.g. any other aggregator and / or funder and / or credit bureau agency that may be granted access to our API documentation.

• Service Providers – Our Service Providers provide us support for our services, including website and maintenance development, hosting, maintenance, backup, storage, virtual infrastructure, payment processing, third party lenders and other services which may require them to access or use Personal Data about you. When we transfer your personal data to business partners, you should be aware that they might have stored personal data concerning you collected through other means, e.g., if you have been in contact with them in another context..

• Professional Advisers – Our lawyers, accountants, auditors may need to review your Personal Data to provide consultancy, compliance, legal, accounting and similar services.

• Legal / Regulatory Authority – We may disclose your Personal Data if we believe it is reasonably necessary to comply with a law, regulation, order, subpoena or audit or to protect the safety of any person, to address fraud, security or technical issues.

• Affiliates – Our Affiliates may access your Personal Data to help us develop, maintain and provide the services via the Platform.

• Advertisers – We may allow third parties including ad-servers or ad-networks, to serve advertisement on the Platform, and such third parties may be provided with access to your Personal Data to provide advertising tailored to your interest.

• Other parties – Please note that top level employees, authorized employees required to have access to the Platform in the course of their employment with Us and investors, may have access to your Personal Data. In the event of a corporate sale, merger, reorganization, dissolution or similar event, we may also transfer your Personal Data as part of the transferred asset without your consent or notice to you.

• We also transfer your personal data to the above or other third parties if we are obliged to do so according to legislation or in order to protect our or the group’s interests in legal disputes.

7. Security Measures

We value your trust in providing us with your Personal Data in connection with your use of the Platform and shall endeavor to use commercially acceptable means of protecting it. However, we do not guarantee its absolute security.

8. Changes in the Privacy Policy

We may update this Policy from time to time without any prior notice to you or consent. Thus, you are advised to consult this Platform periodically for any changes. We will notify you of any changes by posting the revised Policy on this Platform. Please note that changes shall be effective immediately after they are updated on this Platform.

8. Complaints

If you are concerned about an alleged breach privacy law or any other regulation by Us, you can contact the Data Protection Officer via [support@moza.africa](mailto:support@moza.africa). The Data Protection Officer will investigate your complaint and provide information about how your complaint is handled. Please be informed that where your complaints are not satisfactorily addressed, you may lodge a complaint with a relevant data protection authority..

9. How to Contact Us

If you have any questions or suggestions about this Terms of Service, do not hesitate to contact us at support@moza.africa