Privacy Policy

1. Overview

ALLYCare respects your privacy and is committed to protecting your personal information. This policy explains how we collect, use, store, and protect your data when you use our app, website, or services.

2. Information We Collect

We may collect:

Personal Information: Name, phone number, email, BVN, date of birth, address, and identification documents.
Financial Information: Bank account details, transaction history, and savings or investment patterns.
Device and Usage Data: IP address, browser type, app version, device ID, and usage logs.
Health Information: (Applicable only to health plans) limited data necessary for insurance verification, claims, or coverage eligibility.

3. How We Use Your Information

We use collected data to:

Create and verify your ALLYCare account.
Process deposits, withdrawals, and plan activations.
Calculate interest and manage investments.
Facilitate insurance and HMO services.
Communicate updates, offers, or policy changes.
Improve user experience and platform security.

We do not sell or rent user information to any third party.

4. Data Sharing and Disclosure

We may share data only with:

Licensed partners (banks, insurers, HMOs, trustees).
Regulators (SEC, NDIC, NDPR authorities) when legally required.
Service providers that support our operations under confidentiality agreements.

All partners are bound by strict data protection obligations.

5. Data Retention

Your information is retained only as long as necessary to:

Fulfill the purposes stated above.
Meet legal, regulatory, or audit requirements.
Resolve disputes or enforce agreements.

Afterward, it will be securely deleted or anonymized.

6. Data Security

ALLYCare employs multiple layers of protection:

End-to-end encryption.
Two-factor authentication.
Periodic penetration testing and system audits.
Access control limited to authorized personnel.

7. Your Rights

Under the NDPR, you have the right to:

Access the personal data we hold about you.
Request correction or deletion of inaccurate data.
Withdraw consent for certain processing.
File a complaint with the Nigeria Data Protection Bureau (NDPB) if you believe your rights are violated.

All requests should be sent to [email protected].

8. Cookies and Tracking

Our website and app use cookies to enhance performance, remember preferences, and analyze traffic. You may disable cookies in your browser settings, though some features may not function properly.

9. Third-Party Links

ALLYCare may contain links to external sites (banks, payment gateways, insurers). We are not responsible for the privacy practices or content of such websites.

10. Policy Updates

This Privacy Policy may be updated periodically. Users will be notified of significant changes through email or in-app alerts. Continued use of ALLYCare constitutes acceptance of the revised policy.