Lifteller Privacy Policy

Effective Date: March 10, 2026

Lifteller (“Lifteller”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, store, and safeguard personal information when you use the Lifteller platform, including our mobile applications, websites, services, and related features (collectively, the “Platform”).

1. Definitions

• Personal Data: Any information relating to an identified or identifiable individual.
• User: Any person who accesses or uses the Lifteller Platform.
• Wallet: A digital financial account enabling users to fund, send, receive, and manage funds within the Platform.
• Lift: A voluntary financial support request or offer initiated through the Platform.
• NDPA: Nigeria Data Protection Act 2023.
• Processing: Any operation performed on personal data such as collection, storage, use, disclosure, or deletion.

2. Information We Collect

We may collect the following categories of information:

• Account Information: name, phone number, email address, username, password, and profile information.
• Identity Verification Data: government-issued identification, photographs, or biometric verification where required for compliance.
• Financial Information: wallet balances, payment methods, transaction history, bank account details, and payment processor identifiers.
• User Content: posts, messages, comments, requests for lifts, uploaded media, and interactions on the platform.
• Device Information: IP address, browser type, device identifiers, operating system, and log files.
• Usage Information: platform activity, features used, interactions, and engagement metrics.

3. How We Use Personal Data

Lifteller processes personal data for the following purposes:

• To provide and operate the Lifteller platform.
• To enable wallet services and financial transactions.
• To verify user identity and prevent fraud.
• To comply with legal, regulatory, AML, and KYC requirements.
• To improve services, user experience, and security.
• To communicate updates, support responses, and important notices.
• To enforce our Terms of Service and protect platform integrity.

4. Legal Basis for Processing

We process personal data based on:

• User consent.
• Performance of contractual obligations.
• Compliance with legal obligations.
• Legitimate interests including fraud prevention, service improvement, and platform security.

5. Financial and Wallet Data

Financial transactions on Lifteller may be processed through licensed banking and payment partners. Lifteller may store transaction records but does not store full card information where payment processors are used.

6. Sharing of Personal Data

We may share data with:

• Licensed banking partners and payment processors.
• Identity verification and KYC providers.
• Regulatory authorities where legally required.
• Service providers supporting hosting, analytics, and infrastructure.
• Law enforcement agencies in cases of fraud, abuse, or legal investigation.

7. Data Security

We implement technical and organisational safeguards including encryption, access controls, monitoring systems, and fraud detection mechanisms to protect personal data.

8. Data Retention

Personal data will be retained only as long as necessary to fulfill legal, regulatory, operational, and contractual obligations.

9. International Data Transfers

Where personal data is transferred outside Nigeria, Lifteller will ensure appropriate safeguards consistent with NDPA and GDPR-style protections.

10. User Rights

Users may have the right to:

• Access their personal data.
• Request correction of inaccurate data.
• Request deletion where legally permissible.
• Object to certain processing activities.
• Withdraw consent where processing relies on consent.

11. Children's Privacy

Lifteller services are not directed at children under the age of 18 without parental or guardian consent where required by law.

12. Changes to this Privacy Policy

We may update this policy periodically. Users will be notified of significant changes through the platform or other communication channels.

13. Contact Information

For privacy-related inquiries, users may contact Lifteller’s Data Protection Officer through official support channels on the platform.