Ajohybrid ("we," "our," or "us") respects your privacy and is committed to protecting it through this Privacy Policy. This Policy explains how we collect, use, disclose, and safeguard your information when you use our software-as-a-service (SaaS) platform (the "Platform", or “Ajohybrid”), which enables cooperatives to manage their operations, including payments, registrations, loans management, groups/esusu management, and reporting.
By accessing or using our Platform, you agree to this Privacy Policy. If you do not agree, please refrain from using the Platform.

1. Information We Collect

1.1 Information You Provide

We may collect the following information directly from you:

• Account Information: Name, email address, phone number, home address, state, city, country, age and password.
• Organization Information: Cooperative or association name, address, and registration details.
• Payment Information: Billing details, payment method, and transaction data.
• User Data: Member registrations, transaction records, and reports uploaded or generated on the Platform.

1.2 Information Collected Automatically

When you use the Platform, we may automatically collect:

• Device Information: IP address, browser type, operating system, and device identifiers.
• Usage Data: Pages viewed, features used, and interactions with the Platform.
• Cookies and Tracking: Data from cookies or similar technologies to enhance your user experience..

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain the Platform’s functionality.
• Process payments and manage billing.
• Communicate with you about updates, support, and important notices.
• Improve and personalize your experience on the Platform.
• Ensure compliance with legal and regulatory requirements.
• Analyze usage trends to enhance Platform performance.

3. Sharing Your Information

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

• Service Providers: With third-party vendors who help us operate the Platform, such as payment processors and hosting providers.
• Legal Obligations: To comply with applicable laws, regulations, or legal processes.
• Business Transactions: In connection with a merger, acquisition, or sale of all or a portion of our business.
• Authorized Users: With members of your cooperative as required for Platform functionality.

4. Data Security

We implement appropriate technical and organizational measures to safeguard your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

5. Your Rights and Choices

You have the right to:

• Access and update your personal information.
• Request deletion of your data, subject to legal or contractual obligations.
• Opt out of certain communications by following the instructions in those messages.
• Adjust your browser settings to manage cookies.

For data access, correction, or deletion requests, contact us at support@ajohybrid.com

6. Data Retention

We retain your information 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.

7. International Data Transfers

If you are accessing the Platform outside Nigeria, please note that your data may be transferred to and processed in a country with different data protection laws. By using the Platform, you consent to such transfers.

8. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for their privacy practices. We encourage you to review the privacy policies of those third parties.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with the "Effective Date" updated. Your continued use of the Platform after changes constitutes your acceptance of the revised Privacy Policy.

10. Contact Us

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

Ajohybrid Limited
Nigeria Population Commission Complex
Corporate Block, D- wing,
Babs Animashaun Street, Surulere,
Lagos.
info@ajohybrid.com
+2348133133051