Privacy Policy

1. Information We Collect

1.1 Data Collected as Part of Service Contract (Before Consent)

To provide our core services, we collect the following essential data when you create an account:

• Account Information: Name, phone number, email address (optional), and password
• Business Information: Business name, business type, and location
• Device Information: Device model, operating system version, unique device identifiers, and mobile network information
• Transaction Data: Sales records, inventory data, customer credit records, payment information (stored locally on your device)

1.2 Data Collected After Consent

With your explicit consent, we may collect additional data to enhance your experience:

• Location Data: Precise location information to provide location-based services and local advertising opportunities
• Usage Analytics: App usage patterns, feature interactions, and performance metrics
• Marketing Communications: Email address for newsletters, product updates, and promotional offers
• Camera and Photo Access: To enable product photo uploads and receipt scanning
• Contacts: To facilitate customer management and credit tracking (data remains on your device)
• Cookies and Similar Technologies: For website functionality, analytics, and advertising (see Cookie Policy)

1.3 Data We Do Not Collect

We do not collect:

• Sensitive personal data such as health information, religious beliefs, or political opinions
• Financial account numbers or bank account details (payments are processed through third-party providers)
• Biometric data

2. How We Use Your Information

2.1 Core Service Provision

• Create and manage your TraderPadi account
• Enable offline-first business management features
• Synchronize data across your devices
• Provide customer support and respond to inquiries
• Ensure app security and prevent fraud

2.2 Service Improvement (With Consent)

• Analyze app usage to improve features and user experience
• Develop new products and services
• Conduct research and analytics

2.3 Marketing and Communications (With Consent)

• Send newsletters, business tips, and product updates
• Provide personalized recommendations
• Display relevant local advertisements

3. Data Storage and Security

3.1 Offline-First Architecture

TraderPadi is designed with an offline-first approach. Most of your business data (sales, inventory, customer records) is stored locally on your device and only synchronized to our servers when you have internet connectivity.

3.2 Security Measures

We implement industry-standard security measures to protect your data:

• End-to-end encryption for data transmission
• Secure cloud storage with access controls
• Regular security audits and penetration testing
• Employee training on data protection and confidentiality
• Two-factor authentication options for account access

3.3 Data Location

Your data is primarily stored on your device. Synchronized data is stored on secure servers located across Africa and/or other jurisdictions that provide adequate data protection. We ensure that any international data transfers comply with applicable African data protection regulations, including NDPR and POPIA requirements.

4. Data Sharing and Disclosure

We do not sell your personal data. We may share your information only in the following circumstances:

4.1 Service Providers

We may share data with third-party service providers who perform services on our behalf, including:

• Cloud hosting providers
• Payment processors
• Analytics services
• Customer support platforms

These providers are contractually obligated to protect your data and use it only for the specified purposes.

4.2 Business Partners (With Your Consent)

With your explicit consent, we may share anonymized or aggregated data with:

• Financial institutions for credit scoring and loan eligibility
• Insurance providers for business insurance products
• Supply chain partners for inventory optimization

4.3 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request, or to:

• Enforce our Terms of Service
• Protect our rights, privacy, safety, or property
• Prevent fraud or security issues

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

5. Your Data Protection Rights

Under applicable African data protection laws (including NDPR, POPIA, and others), you have the following rights:

5.1 Right to Access

You have the right to request access to the personal data we hold about you.

5.2 Right to Rectification

You can request correction of inaccurate or incomplete personal data.

5.3 Right to Erasure

You can request deletion of your personal data, subject to legal and contractual obligations.

5.4 Right to Data Portability

You can request a copy of your data in a structured, commonly used format.

5.5 Right to Object

You can object to the processing of your personal data for specific purposes, including marketing.

5.6 Right to Withdraw Consent

Where processing is based on consent, you can withdraw your consent at any time.

5.7 How to Exercise Your Rights

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Account Data: Retained while your account is active and for 2 years after account closure
• Transaction Data: Retained for 7 years for legal and accounting purposes
• Marketing Data: Retained until you unsubscribe or withdraw consent
• Analytics Data: Aggregated and anonymized data may be retained indefinitely

7. Children's Privacy

TraderPadi is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected data from a child, we will take steps to delete such information.

8. Cookies and Tracking Technologies

Our website and app use cookies and similar tracking technologies. For detailed information, please see our Cookie Policy.

9. Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and app, and updating the "Last Updated" date. Your continued use of our Services after such changes constitutes acceptance of the updated policy.

11. Data Protection Officer

We have appointed a Data Protection Officer (DPO) to oversee our data protection practices. You can contact our DPO at:

Email: [email protected]
Address: TraderPadi Limited, Lagos, Nigeria

12. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us:

• Email: [email protected]
• Phone: +234 XXX XXX XXXX
• Address: TraderPadi Limited, Lagos, Nigeria

13. Complaints

If you are not satisfied with our response to your privacy concerns, you have the right to lodge a complaint with the Nigeria Data Protection Bureau (NDPB):

Website: https://ndpb.gov.ng
Email: [email protected]