Background

We’re WagesFinance (‘we’, ‘our’, ‘us’), operating under the name WagesFinance. We’re registered with the Corporate Affairs Commission under number 7459498. This policy outlines the information we collect about you, how we collect and use the information you provide, and with whom we share that information. While you are not required to share any information with us, some information is necessary for using our services. This policy also explains when we share your personal information with third parties, such as our service providers and credit bureaus.

These Terms also highlight certain risks on using our services and you must consider such risks carefully as you will be bound by the provision of this Agreement through your use of our services. We therefore oblige you to thoroughly read these Terms carefully before agreeing to be bound by them. You must not use any of the Services if you have any objection to any of these Terms.

What information do we collect?

When you interact with our products, we gather and use the information you provide. Upon opening an account with us, you will share details such as your name, Bank Verification Number (BVN), identification documents, address, and photos. The details you provide during the WagesFinance account registration process, including your BVN, name, date of birth, gender, phone number, residential address, and email address, are collected to comply with regulatory requirements.

Information you give us on WagesFinance Applications

We collect and use any information you supply when you interact with any of our Product. When you open an account with us, you share details like your names, Bank Verification Number (BVN), identification documents, and address . By using WagesFinance Application to transact, you also share details of your transactions with us. Additionally, we may request explicit permission to see other information like your address book, location, photos and data from your phone camera. Other details we collect and what we do with them include;

Details you give when you sign up for a WagesFinance account, like your BVN, names, date of birth, gender, phone number, residential address, and email address are in fulfillment of regulatory requirements.

True Depth API Usage

As part of our Know Your Customer (KYC) process, we run checks on the identity information you supply during signup. We will try to verify the authenticity and validity of the identification document that you have provided, either directly from the issuing authorities or through authorized service providers.

How do we use your information?

The Nigerian Data Protection Regulations 2019 (NDPR) requires that we have a lawful basis for processing your personal information. At least one of the following lawful basis must apply before we process your personal information: contractual or legal obligations, legitimate interest of the data controller, public interest, vital interest of the data subject or consent.

Contractual Obligation

We collect certain data from you to fulfill the contract we have with you, or to enter into a contract with you. We use this data to:

Give you the services we agreed to in line with our terms and conditions.

Investigate and resolve complaints and other issues.

Legal Duty

We must ensure compliance with laws by preventing illegal activities such as money laundering, terrorism financing, and fraud. To achieve this, we need your data to:

• Confirm your identity when you sign up or contact us.
• Prevent illegal activities like money laundering, tax evasion, and fraud.
• Maintain records of the information we hold about you in accordance with legal requirements.

Who do we share your information with?

In some instances, we will share the information provided with some third parties that we do business with, like card producers and credit bureaus, or with law enforcement agencies when required. Sharing of confidential customer information with these related third parties would be done in a secure manner.

How long do we keep your data?

We keep your information as long as you are a WagesFinance customer and for any additional period as required under applicable law or regulations. These retention requirements supersede any right to erasure requests under applicable data protection laws. We cannot therefore erase your data in relation to your WagesFinance Account until after this time period, however we assure you that your data will be held safely and securely whilst under our supervision.

When do we delete your data?

We are basically storing and processing your personal data only as long as it is necessary to perform our obligations under the agreement with you or as long as the law requires us to store it.
That means, if the data is not required anymore for statutory or contractual obligations, your data will be deleted. If you choose to delete your WagesFinance account, we will delete any data you have previously given us.

10. Disclaimer

We strive to keep WagesFinance available, bug-free, and safe, but you use it at your own risk.

Our Platform and Services are provided "as is" without any express, implied, or statutory warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. WagesFinance makes no warranty that our Platform and Services will meet your requirements or that they will be uninterrupted, timely, secure, or error-free. No advice or information obtained by you from WagesFinance or its affiliates shall create any warranty. We do not guarantee the quality, accuracy, timeliness, truthfulness, completeness, or reliability of the Platform or Services

What are your rights?

You are entitled to access and request the information we hold about you. You may also request that we delete your information, restrict how we use it, update or correct any inaccuracies, and we will comply with these requests as long as it is legally permissible. Additionally, you have the right to object to our use of your information for marketing purposes or any additional services we provide. Finally, you may withdraw any consent you have previously given us.

12. Anti-Corruption

Each Party shall comply with all applicable anti-bribery and corruption Laws in Nigeria (including the Economic and Financial Crime Commission’s Act).

Changes to This Document

This document will be reviewed annually or more frequently if prompted by changes or amendments to applicable data protection regulations.

How to make a complaint

At WagesFinance, we are deeply committed to respecting and protecting your personal information. If you have any concerns, reservations, or complaints about your personal information, please contact our Compliance Officer by

Sending a message via the app Emailing us at business@WagesFinance.tech