Privacy Policy for Zimonie

Effective Date: September 1, 2025
Last Updated: September 1, 2025

Pedistack Technologies Limited ("we", "our", or "us") respects the privacy of users ("you", "your") of our mobile application Zimonie, available via the Google Play Store. This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use Zimonie.

By using Zimonie, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the app.

1. Who We Are

Zimonie is a financial technology ("fintech") application developed by Pedistack Technologies Limited, designed to simplify financial transactions and services for Nigerians across the globe. We are committed to ensuring your data privacy and security as part of our service.

For any privacy-related concerns, you can contact us at:
📧 info@pedistack.com

2. What Data We Collect

When you use Zimonie, we collect various types of personal and financial information, including:

a. Personal Identification Data

• Full name
• Email address
• Phone number
• Date of birth
• Nationality

b. Financial Data

• Bank Verification Number (BVN): Collected to verify identity and match with correct bank accounts for secure transfers.
• Linked bank accounts and identifiers
• Transaction history within the app

c. Device & Usage Information

• Device type and operating system
• IP address
• App usage logs
• Crash reports and diagnostics

d. Third-Party Data

If you access our services via third-party financial institutions or bill aggregators, we may collect information from them, including:

• Linked account balances
• Utility bill payment status
• Wallet history

3. How We Use Your Information

Your data is used to provide, manage, and improve the services we offer. Specifically, we use your information for:

• Account creation and verification
• Identity validation using your BVN and other financial information
• Transaction processing
• Fraud prevention and security monitoring
• Customer support and service communication
• Regulatory compliance (e.g., anti-money laundering laws)
• Improving user experience through analytics and feedback

4. Legal Bases for Processing

We rely on the following legal bases to process your personal data:

• Contractual necessity – to fulfill the services you've signed up for
• Legal obligations – to comply with financial regulations
• Legitimate interests – to improve security and usability
• User consent – where required by law for certain features (e.g., marketing communications)

5. Third-Party Services

Zimonie integrates with third-party financial institutions and bill aggregators to provide core features. While we ensure these partners follow appropriate data protection standards, we are not responsible for their privacy practices. These services may include:

• Bank APIs for identity and account verification
• Bill payment processors
• Mobile money operators
• Fraud detection services

Please review the privacy policies of any third-party service you interact with via Zimonie.

6. Data Retention

We retain your personal and financial information indefinitely, or as long as is necessary to comply with regulatory, legal, and operational obligations.

For example:

• Transactional data is retained to meet regulatory requirements
• BVN and bank account details are retained for fraud prevention and transaction history purposes

We do not currently offer data deletion due to these obligations. If regulations change or you move jurisdictions, we may review individual requests—contact info@pedistack.com for special cases.

7. Data Security

We take your data security seriously and implement multiple safeguards, including:

• Encryption: All sensitive data (e.g., BVN, bank details) is encrypted both in transit and at rest
• Access control: Only authorized staff have access to sensitive systems
• Secure infrastructure: We partner with infrastructure providers that meet international compliance standards (e.g., ISO 27001, SOC 2)

However, no system is 100% secure. By using Zimonie, you acknowledge this risk.

8. Your Privacy Rights

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

• Access – Request to see the personal data we hold about you
• Correction – Request corrections to inaccurate or incomplete data
• Restriction – Request limited processing in certain situations
• Objection – Object to certain uses (e.g., marketing or profiling)
• Data portability – Request your data in a machine-readable format

To exercise any of these rights, please contact info@pedistack.com.

Note: Due to legal requirements, we may not be able to delete transaction-related data even upon request.

9. Children's Privacy

Zimonie is not intended for individuals under the age of 18. We do not knowingly collect data from minors. If we discover that a child under 18 has provided us with personal data, we will take steps to remove such data.

10. International Users

While our services are designed primarily for Nigerians worldwide, your data may be processed in countries outside your residence. By using Zimonie, you agree to the transfer and storage of your data in jurisdictions that may not have the same level of data protection as your country.

We take reasonable steps to ensure adequate protection of your data regardless of where it is processed.

11. Cookies and Tracking Technologies

We may use cookies or device-based identifiers for:

• Maintaining your login session
• Usage analytics
• Performance optimization

You can manage cookies through your device settings or operating system.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify users via the app or through email.

We encourage you to review this page regularly to stay informed about how your data is protected.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal data, please contact:

Pedistack Technologies Limited
📧 Email: info@pedistack.com

14. Governing Law

This Privacy Policy is governed by the laws of the Federal Republic of Nigeria, without regard to its conflict of laws provisions.

15. Acceptance of This Policy

By registering an account and using Zimonie, you confirm that you have read and agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the app.