Privacy Policy - Saving Genius

Introduction

Thank you for accessing the Privacy Policy page of Saving Genius ("Site", "Platform") and other products and services operated and provided by Saving Genius Hub Ltd. We respect your privacy and want to protect your personal information.

Data protection is a matter of trust, and your privacy is important to us. We shall therefore only use your name and other information which relates to you in the manner set out in this Privacy Policy. We will only collect information where it is necessary for us to do so, and we will only collect information if it is relevant to our dealings with you.

What Data We Collect and How We Use It

We collect information from you when you use our Site, Products, or Services, to deliver a personalized, secure, and functional saving and investment experience. The data we collect may include the following:

1. Personal and Account Information

We collect personal details such as your name, gender, date of birth, phone number, email address, postal address, and financial details (including bank account or card information).
Purpose: To identify you, manage your account, process savings and deposits, verify payments, provide support, and comply with applicable KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations.

2. Location Information

Our platform may collect and use your precise and approximate location data, including background location when using mobile applications, to ensure transactions originate from secure, authorized areas.
Purpose: To enable geofencing and security validation, detect fraud, ensure accurate service delivery, and enhance performance.

3. Device and Technical Information

We automatically collect information about the device and network connection you use to access our Services. This includes device type, model, operating system, IP address, and system logs.
Purpose: To ensure compatibility, improve platform stability, maintain security, and optimize performance across devices.

4. Usage and Activity Information

We collect data about how you interact with our Site or App, such as features accessed, time spent, clicks, page views, and navigation patterns.
Purpose: To analyze user behavior, personalize experiences, improve our product features, and enhance usability.

5. Communications and Support Data

If you contact us via email, in-app support channels, or social media, we may collect the contents of the communication and metadata.
Purpose: To respond to your inquiries, resolve disputes, provide customer support, and improve service quality.

6. Optional Access Permissions

Depending on how you use our platform, we may request permission to access your Camera and Photos (for profile image uploads or KYC document scanning), Contacts, or Storage. We will always request your explicit permission before accessing these features.

Information Sharing and Disclosure

We may share your details with our agents, affiliates, and subcontractors to help us manage and administer your savings, process deposits, or deliver features (such as processing payments or providing customer service).

For users utilizing the Genius Target Account or other goal-based savings with the intent to purchase land or property, we may share your contact details and relevant maturity information with Saving Genius Hub Ltd to facilitate the referral, purchase, and allocation process.

We may also exchange information with third parties for the purposes of fraud protection and credit risk reduction. We will NOT sell or disclose your personal data to third parties without obtaining your prior consent, unless it is necessary for the purposes set out in this Privacy Policy or required by law.

Cookies

While accepting cookies is not a requirement for visiting our Site, certain functionalities may require cookies to function correctly. Cookies are tiny text files that identify your computer to our server as a unique user. We use cookies and similar tracking technologies to recognize your device, save preferences, and measure usage patterns to optimize user experience.

Security

We implement appropriate technical and organizational security measures to prevent unauthorized or unlawful access to, or accidental loss, destruction, or damage of your information. When we collect data through the Site, we store it on secure servers behind firewalls.

We use standard encryption protocols (like SSL/TLS) when collecting payment and financial details electronically. While no internet-based platform can guarantee 100% security, these measures make it extremely difficult for unauthorized entities to decrypt your details.

You are responsible for protecting your password and account credentials from unauthorized access.

Account and Data Deletion

You have the right to request the deletion of your account and any personal data we hold about you. You may submit a deletion request by contacting us at support@savinggeniushub.com. Upon verification of your identity, we will permanently delete your account and associated personal data from our active systems within a reasonable timeframe.

Please note that certain information may be retained for legal, compliance, accounting, or legitimate business purposes, such as resolving disputes, enforcing agreements, completing outstanding transactions, or complying with regulatory retention guidelines.

Your Rights

You have the right to request access to the personal data we hold about you, request corrections of any inaccuracies free of charge, and request that we stop using your personal data for direct marketing purposes.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: support@savinggeniushub.com

Phone: +234 701 141 6933

Address: Saving Genius Hub Ltd, No. 133, Second East Circular Road, by Nekpen Nekpen Junction, First Floor, Jesurobo Plaza, Benin City, Edo State, Nigeria.