Privacy Policy

This Privacy Policy is designed to protect and maintain the privacy of users of the Product, which is created, owned, and operated by BLUESCAPE ADVISORY SERVICES LTD. This policy outlines how we collect, use, disclose, and safeguard your personal information when you use our mobile application, Ajomoni(“App”). Please read this Privacy Policy carefully before accessing and using the services offered by the App.
By (i) clicking or checking to indicate your acceptance of this Privacy Policy, and/or (ii) accessing and using the services provided on the App, you acknowledge that you have read, understood, and agreed to all provisions outlined in this Privacy Policy. Additionally, this Privacy Policy governs how Ajomoni obtains, collects, processes, analyzes, stores, updates, displays, announces, transfers, disseminates, discloses, deletes, and destroys personal information. By continuing to use the Product, you consent to the collection, processing, and handling of your personal information as described herein.
This Product is intended for users residing in Nigeria. If you are accessing the App from outside Nigeria, please ensure that the laws in your country of residence allow the use of the Product. If the use of the Product is prohibited in your country, we strongly advise against accessing or using it.

Ajomoni collects and processes user information when you register or use our Mobile App (Ajomoni), Website (https://api.ajomoni.com), and Services. The Service allows users to apply for small loans based on agreed terms. By using our Services, you consent to the practices described in this Privacy Policy.

2.1 “Personal Information/Data” refers to any data or documents—electronic or non-electronic—related to the User and/or their associates (such as family, employees, or service providers) that Ajomoni collects, processes, or receives, with the User’s consent, in connection with providing services on the Product.
2.2 “User” means any person who registers for or uses the services of Ajomoni.
2.3 “Terms and Conditions” refers to the terms for using the Product that the User agrees to when registering.
2.4 “User’s Information” includes:
i) The User’s Personal Information/Data, and
ii) Any other information mentioned in this Privacy Policy.
2.5 “Law” means the laws and regulations, including regional laws, in force in Nigeria that are legally binding.
2.6 “Cookies” are files stored on a user’s device that record information like IP addresses, browser type, and site activity to improve future visits.
2.7 “You” refers to any person using the Product and/or services, whether registered or not.
2.8 “Process/Processing” refers to actions involving Personal Information/Data, including:
a) Collection;
b) Processing and analysis;
c) Storage and updates;
d) Display, transfer, or disclosure; and
e) Deletion or destruction.

3.1 This Privacy Policy is part of the Terms and Conditions for using the Product. Capitalized terms in this Privacy Policy have the meanings defined in the Terms and Conditions. By accessing the Product or providing Personal Information, you acknowledge that you have read and consent to the processing of your Personal Information as described here.
3.2 This Privacy Policy becomes effective when:
a) You accept or agree to it by clicking or indicating consent; and/or
b) You access and use the Service or Product.
If this Privacy Policy is updated, continuing to use the Service or Product means you accept the changes.
3.3 This Privacy Policy remains in effect as long as:
a) You remain a registered User;
b) You have obligations, financial responsibilities, or debts under the Loan Agreement;
c) You are still applying for or undergoing loan assessment by Ajomoni or a third party;
d) We may share your information with authorized government agencies or other appointed institutions, who will retain it according to their own policies;
e) It is necessary to achieve the purposes outlined in this Privacy Policy.

We process your Personal Data based on the following legal grounds:
4.1 Consent: Explicit consent for specific purposes.
4.2 Performance of a Contract: Processing necessary to fulfill obligations under the agreement.
4.3 Legal Obligation: Processing required to comply with legal obligations.
4.4 Legitimate Interests: Processing necessary for our legitimate interests, provided your rights are respected.
4.5 Interest Protection: Processing based on the protection of vital interests.

We collect the following types of information when you use our App:
Personal Information
Full name
Date of birth
Address
Phone number
Email address
Government-issued ID details (e.g., National ID)
Marital status
Gender
Employment status and income details
Housing situation (e.g., owned, rented, etc.)
Bank account details (for loan disbursement)
Emergency Contact Information
Name of emergency contact
Emergency contact phone number
Relationship to you
Device Information
Device type and model
Operating system version
IP address
Device identifiers (e.g., IMEI)
Mobile carrier and network information
Installed applications
Location Data
We may collect your approximate location when you use the App to provide location-based services (e.g., to determine eligibility or loan availability in your area).
Usage Data
We collect information about how you interact with the App, including pages visited, features used, and time spent in the App.

In order to provide the services offered by the App, we request access to the following permissions on your device:

Emergency Contact Information

When applying for a loan, Ajomoni app will ask you to fill in the emergency contact (including: contact number, contact name, relationship with the contact) to assess your credit score and prevent potential risks. Please rest assured that we will not obtain your address book permissions. We will not contact your emergency contacts unless we cannot contact you. All collected data will be securely stored in our security center https://api.ajomoni.com through encryption, and we guarantee that it will not be shared with third parties.

Location

Ajomoni access your device’s approximate location to provide location-based services, such as determining loan availability in your area. This permission is essential for assessing your eligibility for loans based on your location.The location data is stored securely on our servers at https://api.ajomoni.com. We do not share your location data with third parties.

Device Information

We gather details about your device (model, operating system, identifiers, etc.) to prevent fraud and assess your application. This data is encrypted and securely uploaded.This data will be encrypted and securely uploaded to our server at https://api.ajomoni.com.

Camera Access

We require access to your camera for identity verification (selfie) and document upload. The camera data is securely uploaded and protected.Camera data will be securely uploaded to https://api.ajomoni.com and protected to ensure your privacy.

Master Account Information

We may collect information about your master account to assess risk and offer pre-approved loans. This data is securely uploaded for risk analysis and fraud prevention.This data will be securely uploaded to our external server at https://api.ajomoni.com to help us analyze your behavior and risks, thereby preventing fraud.

Advertising ID

We may collect your device's advertising identifier to analyze service usage patterns and optimize marketing campaigns. This data is encrypted during transmission and used solely for improving user experience and fraud detection. You can reset or disable this identifier in your device settings at any time.This data will be encrypted and securely uploaded to our server at https://api.ajomoni.com.

We use your information for the following purposes:
To provide and improve the services offered by the App.
To process loan applications, approvals, and disbursements.
To communicate with you regarding your loan status, account, and other updates.
To verify your identity and assess your creditworthiness.
To comply with legal obligations, including anti-money laundering (AML) and Know Your Customer (KYC) regulations.
To analyze usage trends and improve user experience.

We may share your information with third parties in the following circumstances:
Service Providers: We may share your information with third-party service providers who assist us in processing loans, payments, and other operations.
Legal Compliance: We may disclose your information if required by law, in response to legal requests, or to protect our rights, property, or safety.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
However, we will not share your location data, camera data, or device information with any third parties, except as required by law or as part of a business transfer.

We take reasonable measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no data transmission over the internet or electronic storage system is completely secure, and we cannot guarantee the absolute security of your information.

You have the following rights regarding your personal information:
Access: You can request access to the personal information we hold about you.
Correction: You can request corrections to any inaccurate or incomplete information.
Deletion: You can request the deletion of your personal information, subject to legal obligations.
Opt-Out: You can opt out of receiving marketing communications by contacting us at [email protected]
To exercise any of these rights, please contact us via email at [email protected]. We will respond to your request within a reasonable time frame and in accordance with applicable laws.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Typically, we will retain your information for up to 5 years after the last use of our services or your account closure, whichever comes first. After this period, we will securely delete or anonymize your personal information unless retention is required for legal, regulatory, or business purposes.

Our App may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the updated version will be effective immediately upon posting. We encourage you to review this Privacy Policy periodically.

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Company: BLUESCAPE ADVISORY SERVICES LTD
App: Ajomoni
Email: [email protected]
Service Hours: Monday to Friday, 9:00 AM to 6:00 PM