Privacy Policy

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

Personal Information: Name, email address, phone number, business information, identification documents for KYC purposes.

Financial Information: Bank account details, transaction history, credit information (when you use CreditSense).

Usage Data: Information about how you interact with our platform, including IP address, browser type, pages visited, time spent on pages.

Device Information: Hardware model, operating system, unique device identifiers.

Location Data: General location information based on IP address to provide localized services.

We use the collected information for various purposes:

• To provide, maintain, and improve our services

• To process transactions and send related information

• To provide customer support and respond to inquiries

• To detect, prevent, and address fraud, security, or technical issues

• To comply with legal obligations and enforce our Terms of Service

• To send you marketing communications (with your consent)

• To perform AI-powered analytics and credit scoring

• To personalize your experience on our platform

We may share your information in the following circumstances:

Service Providers: We share data with third-party vendors who perform services on our behalf (cloud hosting, payment processing, analytics).

Business Partners: When you use specific features (like SMEConnect marketplace), we may share relevant information with business partners.

Legal Requirements: We may disclose information when required by law, court order, or government request.

Business Transfers: In connection with any merger, sale of assets, financing, or acquisition of our business.

With Your Consent: We may share information with your explicit consent for specific purposes.

We never sell your personal information to third parties.

We implement industry-standard security measures to protect your information:

• Encryption of data in transit and at rest using AES-256

• Regular security audits and penetration testing

• Multi-factor authentication for account access

• Secure data centers with physical and digital access controls

• Employee training on data protection and privacy

• Incident response procedures for potential breaches

While we strive to protect your personal information, no method of transmission over the Internet is 100% secure.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Account Information: Retained while your account is active and for a reasonable period thereafter.

Transaction Records: Retained for 7 years to comply with financial regulations.

Marketing Data: Retained until you unsubscribe or request deletion.

After the retention period, we securely delete or anonymize your personal information.

Depending on your location, you may have the following rights:

• Access: Request copies of your personal data

• Rectification: Request correction of inaccurate or incomplete data

• Erasure: Request deletion of your personal data ('right to be forgotten')

• Restriction: Request limitation of processing your data

• Data Portability: Request transfer of your data to another service

• Object: Object to processing of your personal data

• Withdraw Consent: Withdraw previously given consent at any time

To exercise these rights, contact us at privacy@zenithup.com

We use cookies and similar tracking technologies to track activity on our platform:

Essential Cookies: Required for the platform to function properly.

Analytics Cookies: Help us understand how users interact with our platform.

Marketing Cookies: Used to deliver relevant advertisements.

You can control cookie settings through your browser preferences. Note that disabling cookies may limit platform functionality.

Our platform integrates with third-party services that may collect information about you:

• Payment processors (Stripe, Flutterwave, Paystack)

• Analytics providers (Google Analytics)

• Cloud service providers (AWS, Google Cloud)

• Communication tools (Twilio, SendGrid)

These third parties have their own privacy policies. We encourage you to review them.

ZenithUp is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information immediately.

If you believe we have collected information from a child, please contact us at privacy@zenithup.com

Your information may be transferred to and maintained on servers located outside of your country, where data protection laws may differ.

We ensure appropriate safeguards are in place when transferring data internationally, including:

• Standard contractual clauses approved by regulatory authorities

• Adequacy decisions confirming adequate protection levels

• Your explicit consent for specific transfers

We use AI and machine learning for various services, including:

• Credit scoring (CreditSense)

• Fraud detection (FraudShield)

• ATM predictive maintenance (ATM Genius)

• Customer support (Zeni AI Copilot)

You have the right to:

• Be informed about automated decision-making

• Request human review of automated decisions

• Challenge decisions made solely by automated processing

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new Privacy Policy on this page

• Updating the 'Last Updated' date

• Sending you an email notification (for significant changes)

We encourage you to review this Privacy Policy periodically for any changes.

If you have any questions about this Privacy Policy or our data practices, please contact us:

Email: privacy@zenithup.com

Phone: +234 800 123 4567

Address: Victoria Island, Lagos, Nigeria

Data Protection Officer: dpo@zenithup.com