1. Introduction

Owoche, a product by Transingenium Innovations Ltd, is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, and safeguard information through our platform, accessible at https://owoche.online, and our related services, including but not limited to mobile recharge, bill payments, SmartAza, Owoche account number creation, wallet services, split payment services, and cashback features.

2. Information We Collect

We may collect and process the following types of information:

• Personal Information: Full name, email address, phone number, bank account details, and other identifying information.
• Transaction Information: Details of transactions made through the platform, including amounts, dates, and recipients.
• Technical Data: Device information, IP address, browser type, operating system, and usage data.
• Other Information: Feedback, communication history, and additional details you provide voluntarily.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process transactions, including mobile recharge, bill payments, wallet top-ups, and split payments.
• To provide and improve our services, including SmartAza and cashback programs.
• To verify your identity and ensure compliance with legal and regulatory requirements.
• To communicate with you about your account, promotions, and updates.
• To detect, prevent, and address fraud, unauthorized access, and other security concerns.
• To personalize your experience and analyze usage trends for optimization purposes.

4. Sharing Your Information

We do not sell or rent your personal information. However, we may share your information in the following scenarios:

• Service Providers: With trusted third parties that assist in providing services, such as payment processors and IT support.
• Legal Compliance: When required to comply with legal obligations, government requests, or applicable regulations.
• Business Transactions: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of the business operations.
• Your Consent: With your explicit permission for specific purposes.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your user experience, improve website performance, and gather analytics. You can manage cookie preferences through your browser settings.

6. Data Security

We employ industry-standard security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. While we strive to safeguard your data, no security measure is entirely foolproof.

7. Data Retention

We retain your personal information as long as necessary to fulfill the purposes for which it was collected or as required by law. Upon the expiration of this period, your data will be securely deleted or anonymized.

8. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access your personal information and request a copy.
• Request corrections to inaccurate or incomplete data.
• Request deletion of your data, subject to legal obligations.
• Restrict or object to certain data processing activities.
• Withdraw consent for data processing where applicable.

To exercise your rights, contact us at support@owoche.online.

9. Children’s Privacy

Owoche is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover such information, we will promptly delete it.

10. International Data Transfers

Your information may be processed and stored in countries outside Nigeria. These locations may not have the same level of data protection as your home jurisdiction, but we ensure that appropriate safeguards are in place.

11. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updates will be posted on this page, and the "Effective Date" will be revised accordingly. Continued use of our services indicates your acceptance of the updated policy.

12. Contact Us

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