Privacy Policy

1. Who we are

Jara Technologies Inc. ("Jara", "we", "us") is the data controller of the personal information you provide through this website and the Jara Borrow service. This Privacy Policy explains how we collect, use, share and protect your personal data, in accordance with the Nigeria Data Protection Act (NDPA) 2023 and the Nigeria Data Protection Regulation (NDPR) 2019.

By using this website or creating a Jara account, you agree to the practices described in this policy.

2. Information we collect

• Identity and contact data: your full name, email address, phone number, and any referral code you provide.
• Account and security data: your login credentials and details of how you access our services.
• Borrow application data: for loan applications, information such as employment and income details, bank account information, and other records needed to assess your credit request.
• Usage data: how you interact with our website and services, including device and diagnostic information.

3. How we use your information

Where processing is based on consent, you may withdraw that consent at any time without affecting the lawfulness of processing carried out before withdrawal.

• To create and manage your Jara account.
• To assess your loan application, service Jara Borrow, and manage repayment.
• To prevent fraud, verify your identity, and comply with legal and regulatory obligations.
• To improve our products and, where you have given consent, to send you product updates.

4. Legal basis for processing

We process your personal data where it is necessary to perform our contract with you, where we are required to do so by Nigerian law or by directives of the Central Bank of Nigeria or other regulators, where it is necessary for our legitimate interests (such as keeping our service secure), or where you have given your consent.

5. How we share your information

We do not sell your personal data. We share it only where there is a lawful basis, including:

• Credit bureaus, as required or permitted under the Credit Reporting Act 2017, for loan assessment and reporting.
• Service providers who help us operate our platform, under contractual confidentiality and security obligations.
• Regulators, law enforcement or courts, where we are legally required to disclose information.

6. Your rights under the NDPA 2023

You have the right to access the personal data we hold about you, request correction or erasure, restrict or object to certain processing, withdraw consent, and lodge a complaint with the Nigeria Data Protection Commission (NDPC) if you believe your rights have been infringed.

To exercise any of these rights, contact us through the contact channels published on our website.

7. Data retention

We keep your personal data only for as long as needed for the purposes described in this policy, and afterwards for such periods as required by applicable Nigerian law and regulatory directives, including record-keeping requirements relating to loan transactions.

8. Security and international transfers

We protect your data with the technical and organisational measures described in our Security & Privacy notice. Where personal data is transferred outside Nigeria, we do so only with appropriate safeguards as required under the NDPA 2023.

9. Cookies

We use essential cookies to run the website, and analytics cookies to understand how it is used. You can control or disable non-essential cookies through your browser settings.

10. Changes to this policy

We may update this Privacy Policy from time to time. The date at the top of this page shows when it was last revised. Material changes will be communicated on our website.