1. Introduction
This Privacy Policy describes how Koda collects, uses, and shares personal data in line with the Nigeria Data Protection Act (NDPA).
2. Data we collect
- Identity & KYC (name, BVN, NIN — masked)
- Financial (account, transactions)
- Usage & device
3. How we use it
To provide and improve the service, prevent fraud, comply with CBN/NDPA, and communicate with you.
4. Legal basis
Contract, legal obligation, legitimate interest, and consent where applicable.
6. Retention
We retain data only as long as needed or as required by law.
7. Security
Encryption in transit and at rest, access controls, audit logs.
8. Your rights
- Access, correction, deletion, portability, objection
10. Contact / DPO
dpo@koda.africa