Privacy Policy

Effective Date: 17 September 2025 Last updated: 25 September 2026

This Privacy Policy explains how Jankado Digital Solutions LTD, located at No. 06 Asu Rahusa Plaza, Wikki Oil Roundabout, Bauchi, (“Jankado”, “we”, “us” or “our”) collects, uses, discloses, and protects your personal data when you engage with our services.

We are committed to safeguarding your privacy and ensuring that your personal data is handled in accordance with the Nigeria Data Protection Act (NDPA) and other applicable regulations.

1. Information We Collect

1.1 Categories of Personal Data

We may collect the following categories of personal data:

Full name

Email address

Phone number

Facial capture

Date of birth

Gender

Marital status

Business or residential address

Business registration details (e.g., CAC certificate number, where applicable)

Internet Protocol (IP) address and browser details

Internal Identifiers (account or customer number)

National Identification Number (NIN)

Bank Verification Number (BVN)

Service usage information

Identity verification records, SMS alert logs, institutional request documents, and approval and exception audit records

1.2 Means of Collection

We may collect your personal data through:

Our websites, mobile applications, or online platforms

Registration or contact forms

Email, telephone, or live chat interactions

Automated tools, including cookies or analytics software

We employ appropriate technical and organisational measures to ensure that your data is collected and stored securely.

2. Purpose of Processing

Your personal data may be processed for the following purposes:

To provide, operate, and maintain our services

To communicate with you, including service updates and support

To fulfil legal obligations and comply with regulatory requirements

To improve our platforms, content, and user experience

To verify identity on request, send an additional SMS alert to the identity owner after a successful website NIN or BVN check when a usable number is available, and record whether that alert was sent, failed, or was withheld under an approved exception

To assess and audit institutional notification exception requests, enforce their approved scope, and investigate complaints or misuse

3. Legal Basis for Processing

Our processing of personal data is based on one or more of the following lawful grounds:

Your explicit consent

The performance of a contract to which you are a party

Compliance with a legal obligation

Our legitimate interests, such as fraud prevention, service improvement, and customer support

The lawful basis depends on the specific processing and relationship with the individual. A customer’s acceptance of platform terms does not itself provide consent from a person whose NIN or BVN the customer checks. Institutions must identify and document their own lawful basis for each check and provide required notice or obtain consent where applicable.

4. Data Sharing and Disclosure

4.1 No Sale of Data

We do not sell or rent your personal data to any third party.

4.2 Third Party Access

We may share your personal data with trusted third parties for the sole purposes of service delivery, regulatory compliance, and customer onboarding. These may include:

Payment gateways, such as Payment Point and Paystack

Financial institutions, such as Zenith Bank and Moniepoint, where we act as agents to facilitate account opening

IT infrastructure providers and technical support partners

Regulatory bodies, where disclosure is required by law.

SMS delivery providers, for sending identity-owner alerts where applicable

4.3 Purpose of Third-Party Access

Your data is shared with third parties strictly to:

Facilitate wallet account creation and payment processing

Enable bank account opening as part of financial inclusion initiatives

Provide cloud storage, technical support, or analytical services

Fulfil statutory obligations and respond to regulatory directives

4.4 Identity-owner alerts and approved exceptions

For a successful website NIN or BVN verification, we ordinarily attempt an additional SMS alert to a usable identity-owner number. We do not include the NIN, BVN, or verification result in that SMS. We may withhold or delay the additional alert for a particular institution, purpose, service, and time period only after written approval and a signed Institutional Notification Exception Addendum. The institution must provide evidence of its authority and lawful basis, and any required notice or consent, or a documented legal exception. We log the decision and use of the exception, and may suspend or revoke it. Not receiving an alert does not remove an individual’s data protection rights or imply that the check was lawful.

5. Data Security

We adopt industry-standard security measures to protect your personal data against loss, misuse, unauthorised access, disclosure, alteration, or destruction. These measures include:

Encrypted data transmission

Access control mechanisms

Secure server infrastructure and firewall protection

6. Data Retention

We retain your personal data only for as long as is necessary to fulfil the purposes for which it was collected, or as required by applicable law or regulation.

7. Your Rights

Under the Nigeria Data Protection Act, you have the right to:

Access the personal data we hold about you

Request correction or completion of inaccurate or incomplete data

Withdraw your consent at any time, where applicable

Request the deletion of your data

Object to certain types of processing

Request that we transfer your data to another service provider (data portability)

Exercising Your Rights

To exercise any of these rights, please contact us using the information below:

Email: [email protected] Telephone: +2348122825251

8. Internal Complaints & Remediation

If you have concerns regarding how we process your personal data or wish to lodge a complaint, you may contact us directly at:

Jankado Digital Solutions LTD No. 06 Asu Rahusa Plaza, Wikki Oil Roundabout, Bauchi Email: [email protected] Phone: +2348122825251

We are committed to addressing your concerns promptly and transparently.

9. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. When we do, we will revise the “Last updated” date at the top of this page and notify you accordingly.

Updates will apply as described in the notice we provide. Where processing requires consent, we will request that consent rather than treating continued use as consent from another individual.