1. Acceptance of Terms

Welcome to Ani Alajo Enterprise Limited. By accessing and using our online platform, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using Ani Alajo Online, you represent and warrant that you meet all eligibility requirements.

3. Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your username, password, and any other security information. You agree to:

• Keep your login credentials secure and confidential
• Not share your credentials with any third party
• Immediately notify us of any unauthorized access or security breach
• Use strong, unique passwords for your account

4. Service Availability

Ani Alajo Enterprise Limited strives to provide uninterrupted service. However, we do not guarantee that the platform will be available at all times. Maintenance, upgrades, or technical issues may temporarily affect service availability.

5. User Responsibilities

You agree to use the Ani Alajo Online platform only for lawful purposes and in accordance with these Terms. You must not:

• Use the service for any illegal activities
• Attempt to gain unauthorized access to any part of the system
• Transmit viruses, malware, or any harmful code
• Interfere with the proper functioning of the platform
• Violate any applicable laws or regulations

6. Limitation of Liability

Ani Alajo Enterprise Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services. Our total liability shall not exceed the amount you have paid for our services.

7. Intellectual Property

All content, features, and functionality of the Ani Alajo Online platform, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of Ani Alajo Enterprise Limited and are protected by copyright and other intellectual property laws.

8. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of the service after changes constitutes acceptance of the modified terms.

9. Termination

We reserve the right to suspend or terminate your account and access to our services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Email: support@anialajo.com
• Phone: +234 703 812 0710
• Address: No 5, Aiyetoro Street, Ajah, Lagos, Nigeria

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of Nigerian courts.

1. Introduction

Ani Alajo Enterprise Limited is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our online platform.

2. Information We Collect

We collect various types of information to provide and improve our services:

• Personal Information: Name, email address, phone number, date of birth, BVN, and identification documents
• Account Information: Account numbers, transaction history, balances, and product details
• Technical Information: IP address, device information, browser type, and usage data
• Biometric Data: Fingerprint information for authentication purposes (with your explicit consent)

3. How We Use Your Information

We use your personal information for the following purposes:

• To provide and maintain our platform services
• To verify your identity and prevent fraud
• To process transactions and send notifications
• To improve our products and services
• To comply with legal and regulatory requirements
• To communicate with you about your account and our services

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure socket layer (SSL) technology
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Employee training on data protection

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

• Service Providers: Third-party vendors who assist us in operating our platform
• Legal Authorities: When required by law or to protect our rights
• Regulatory Bodies: For compliance with applicable regulations
• Business Partners: With your explicit consent for specific services

6. Your Rights

Under applicable data protection laws, you have the following rights:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data (subject to legal obligations)
• Object to processing of your data
• Data portability
• Withdraw consent at any time

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. After termination of your account, we will securely delete or anonymize your data in accordance with regulatory requirements.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and improve our services. You can control cookie settings through your browser preferences.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your data during such transfers.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on our website. Your continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact our Data Protection Officer:

• Email: dataprotection@anialajo.com
• Phone: +234 703 812 0710
• Address: No 5, Aiyetoro Street, Ajah, Lagos, Nigeria