JJ Trust Finance Limited (“JJ Trust Finance”, “JJTF”, “we”, “us”, “our”) operates a digital Ajo savings platform that helps individuals and communities save together, track contributions, and receive payouts. (jjtrustfinance.com)
This Privacy Policy explains how we collect, use, share, store, and protect your personal information when you visit our website, register, join a savings group, request a consultation, or use any related services.

If you do not agree with this Privacy Policy, please do not use our website or services.

1) Who We Are and How to Contact Us

Data Controller: JJ Trust Finance Limited (jjtrustfinance.com)
Email: jjtrustfinancelimited@gmail.com (jjtrustfinance.com)
Phone: +234 8101228605 (jjtrustfinance.com)
Location: Ibadan, Nigeria (jjtrustfinance.com)

2) Information We Collect

We may collect the following categories of information:

A. Information you provide directly

• Identity & contact details: surname, other names, email address, phone number, home address, occupation.

• Next of kin details: next of kin name, phone number, and address (where you provide it).

• Verification / compliance documents: identification details you upload (e.g., NIN slip) and photographs (e.g., full/half picture) where required for registration or verification.

• Support and messages: any information you submit when you contact us or request assistance.

B. Savings and transaction-related information

When you participate in our savings services, we may process:

• Contribution amounts and dates

• Payout schedule details and payout status

• Group participation details (e.g., group name/identifier, cycle information)

C. Information collected automatically

When you visit our website, we may automatically collect:

• Device and browser information

• IP address, pages viewed, time spent, referring URLs

• Cookies and similar tracking technologies (see Cookies section)

3) How We Use Your Information

We use your information to:

1. Create and manage your account and enable registration on our platform. (jjtrustfinance.com)

2. Run savings groups and payouts, including recording contributions and payouts within the service. (jjtrustfinance.com)

3. Verify identity and reduce fraud, including reviewing documents you provide for verification purposes.

4. Communicate with you, including reminders, service messages, and responses to support requests. (jjtrustfinance.com)

5. Improve our website and services, including performance monitoring and user experience improvements.

6. Comply with legal obligations and enforce our terms, policies, and platform rules.

4) Legal Basis for Processing (Nigeria)

Where applicable, we process personal data on one or more of these bases:

• Consent (e.g., when you submit documents or choose to receive certain communications)

• Contract/Service performance (to provide savings services you request)

• Legal obligation (where we must keep certain records or respond to lawful requests)

• Legitimate interests (e.g., securing our platform, preventing fraud, improving our services)

Nigeria has a data protection framework including the Nigeria Data Protection Act 2023 and earlier regulatory instruments such as the Nigeria Data Protection Regulation (NDPR). (placng.org)

5) How Information Is Shared

We do not sell your personal information.

We may share information only in these situations:

A. Within your savings group (platform transparency)

Because group savings rely on transparency, certain contribution and payout records may be visible to group members to prevent disputes and ensure accountability. (jjtrustfinance.com)
(We aim to limit what is shown to what is necessary for group operations.)

B. With service providers (processors)

We may share information with trusted third parties who help us operate, such as:

• Website hosting and maintenance providers

• Email/SMS communication providers

• Analytics and security tools

• Payment and financial partners (where needed to handle funds and payouts)

We require such providers to handle data securely and only for the purpose of providing services to us.

C. Legal and safety reasons

We may disclose information if required by law, court order, or valid regulatory request, or to protect the rights, safety, and integrity of JJTF, our users, and the public.

6) International Transfers

If any of our service providers store or process data outside Nigeria, we will take reasonable steps to ensure appropriate safeguards are in place, consistent with applicable data protection requirements.

7) Data Retention

We keep personal information only as long as necessary to:

• Provide the services

• Maintain accurate records for savings cycles and payouts

• Comply with legal and regulatory obligations

• Resolve disputes and enforce agreements

When data is no longer required, we will delete it or anonymize it, where feasible.

8) Security

We use appropriate technical and organizational measures to protect personal information against loss, misuse, unauthorized access, and disclosure. We also work to keep transactions and data protected using industry-standard security practices. (jjtrustfinance.com)
However, no system is 100% secure, and we cannot guarantee absolute security.

9) Your Rights

Depending on your location and applicable law, you may have rights to:

• Request access to your personal information

• Correct inaccurate or incomplete information

• Request deletion (where legally permissible)

• Withdraw consent (where processing is based on consent)

• Object to certain processing or request restriction

• Request a copy of certain data (portability), where applicable

To make a request, contact us using the details in Section 1. We may need to verify your identity before responding.

Nigeria’s privacy framework recognizes protections and obligations relating to the processing of personal data. (placng.org)

10) Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• Remember preferences

• Understand how visitors use our website

• Improve performance and user experience

You can control cookies through your browser settings. Disabling cookies may affect site functionality.

11) Children’s Privacy

Our services are intended for adults and people who can legally enter into financial arrangements. We do not knowingly collect personal information from children without appropriate consent. If you believe a child has provided personal information to us, contact us so we can take appropriate action.

12) Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. Please review their privacy policies before sharing information.

13) Updates to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last updated” date at the top of this page. Continued use of our website or services after updates means you accept the revised policy.

14) Contact Us

If you have questions or requests about this Privacy Policy or your personal data, contact:

JJ Trust Finance Limited (jjtrustfinance.com)
Email: jjtrustfinancelimited@gmail.com (jjtrustfinance.com)
Phone: +234 8101228605 (jjtrustfinance.com)
Location: Ibadan, Nigeria (jjtrustfinance.com)