BLENGO - Dashboard

1. Introduction

Blengo ("Company," "we," "our," "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, mobile application, or use our savings and investment services (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by all terms of this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

Category	Examples	Purpose
Identity Information	Full name, date of birth, BVN, NIN	Account verification, KYC compliance
Contact Information	Email address, phone number, residential address	Account communication, customer support
Financial Information	Bank account details, transaction history, savings records	Payment processing, interest calculations
Government IDs	Driver's license, international passport, voter's card	Identity verification, regulatory compliance
Employment Information	Occupation, employer details, income range	Risk assessment, plan eligibility

2.2 Automatically Collected Information

When you access our Services, we may automatically collect:

Device Information: IP address, browser type, operating system, device identifiers
Usage Data: Pages visited, time spent, clicks, navigation patterns
Log Data: Access times, referring URLs, crash reports
Location Information: General geographic location based on IP address

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Delivery

Create and manage your Blengo account
Process your savings plan enrollments and payments
Calculate and disburse interest payments
Verify your identity and prevent fraud
Provide customer support

3.2 Communication

Send transaction confirmations and receipts
Notify you about payment due dates and late fees
Inform you about plan maturity and payouts
Respond to your inquiries and requests
Send important service updates and policy changes

3.3 Improvement and Analytics

Analyze usage patterns to improve our Services
Develop new features and products
Conduct research and data analysis
Monitor and prevent technical issues

3.4 Legal and Compliance

Comply with applicable laws and regulations
Respond to legal requests and court orders
Enforce our Terms of Service
Protect our rights, property, and safety

4. Legal Basis for Processing

Under the Nigeria Data Protection Regulation (NDPR) and applicable laws, we process your personal information based on the following legal grounds:

Contract Performance: To fulfill our obligations under our Terms of Service
Legal Obligation: To comply with regulatory requirements (CBN, NITDA, etc.)
Legitimate Interests: To improve our Services, prevent fraud, and ensure security
Consent: For marketing communications and optional data collection

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

5.1 Service Providers

We share information with trusted third-party service providers who assist us in operating our Services, including:

Payment processors and banking partners
Identity verification services
Cloud hosting providers
Customer support platforms
Analytics services

These providers are contractually bound to protect your information and use it only for the services they perform for us.

5.2 Regulatory and Legal Authorities

We may disclose your information to regulatory bodies, law enforcement, or government agencies when:

Required by law or legal process
To comply with CBN, NITDA, or other regulatory requirements
To protect against fraud, money laundering, or illegal activities
To enforce our Terms of Service

5.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change.

                    
                    We never share your BVN, NIN, or banking credentials with unauthorized third parties.
                

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

Encryption: SSL/TLS encryption for all data in transit
Access Controls: Strict authentication and authorization protocols
Secure Storage: Encrypted databases with restricted access
Regular Audits: Periodic security assessments and penetration testing
Staff Training: Regular privacy and security training for employees

7. Data Retention

We retain your personal information for as long as necessary to:

Provide you with our Services
Comply with legal and regulatory obligations (typically 6-7 years for financial records)
Resolve disputes and enforce our agreements
Protect our legitimate business interests

When your information is no longer required, we will securely delete or anonymize it.

8. Your Privacy Rights

Under the Nigeria Data Protection Regulation (NDPR) and applicable laws, you have the following rights:

Right	Description
Right to Access	Request a copy of your personal information we hold
Right to Rectification	Correct inaccurate or incomplete information
Right to Erasure	Request deletion of your information (subject to legal obligations)
Right to Restriction	Restrict processing of your information
Right to Data Portability	Receive your information in a structured, commonly used format
Right to Object	Object to processing based on legitimate interests
Right to Withdraw Consent	Withdraw consent at any time for optional processing

To exercise any of these rights, please contact us at privacy@blengo.com. We will respond to your request within 30 days.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. Here's how we use them:

You can control cookies through your browser settings. However, disabling certain cookies may affect your ability to use our Services.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria where our service providers operate. We ensure appropriate safeguards are in place to protect your information in accordance with NDPR requirements.

12. Changes to This Privacy Policy

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.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Protection Officer:

Data Protection Officer: Mr. Adewale Ogunleye

Email: privacy@blengo.com

DPO Email: dpo@blengo.com

Phone: +234 (0) 800 987 6543

Address: 15, Rose Garden Estate, Aiyetoro Ijanikin, Lagos, Nigeria

Response Time: Within 30 days of request

                    
                    NITDA Complaint: If you are not satisfied with our response, you have the right to lodge a complaint with the Nigeria Data Protection Commission (NDPC).
                

Privacy Policy