🔒 Introduction
Welcome to NEXORA. Your privacy is important to us.
This Privacy Policy explains how NEXORA ("we," "our," or "us")
collects, uses, stores, and protects your personal information when you use our
mobile application and related services (collectively, the "Platform").
By using NEXORA, you agree to the collection and use of information in accordance
with this policy. If you do not agree with any part of this policy, please do not
use our Platform.
📋 Information We Collect
1. Personal Information You Provide
- Account Information: Full name, email address, phone number, and password.
- Profile Information: Profile photo, date of birth, gender, nationality, country of residence, city, and address.
- KYC Verification: Government-issued ID documents, selfie photos, and document numbers for identity verification.
- Payment Information: Payment methods, transaction IDs, and proof of payment.
- Communication: Messages, dispute details, and support inquiries.
2. Information Collected Automatically
- Device Information: Device type, operating system, and unique device identifiers.
- Location Data: GPS location and IP address for fraud prevention and service delivery.
- Usage Data: App interactions, features used, and activity logs.
- Transaction Data: Cycle participation, match history, NexScore, and repayment activity.
3. Information from Third Parties
- Referral Data: Information about users you refer to the Platform.
- Payment Processors: Transaction status and confirmation data.
⚙️ How We Use Your Information
- Provide Services: Enable participation in cycles, matching, and financial transactions.
- Identity Verification: Conduct KYC checks to comply with regulatory requirements and prevent fraud.
- Personalization: Customize your experience based on your rank, NexScore, and preferences.
- Communication: Send notifications, updates, and important account information.
- Dispute Resolution: Manage and resolve disputes between participants.
- Security: Detect and prevent fraudulent activity and unauthorized access.
- Analytics: Improve our Platform and understand user behavior.
🛡️ Data Storage & Security
1. Where We Store Your Data
Your personal information is stored on secure servers with industry-standard
encryption. We use MongoDB Atlas for database hosting
and Cloudinary for document and image storage.
2. Security Measures
- Encryption: All sensitive data is encrypted in transit (TLS/SSL) and at rest.
- Access Control: Strict access controls to your personal information.
- Authentication: Secure token-based authentication for all API requests.
- Monitoring: Continuous monitoring for suspicious activity.
3. Data Retention
We retain your personal information for as long as your account is active or as needed
to provide you with services. We may retain certain information to comply with legal
obligations, resolve disputes, and enforce our agreements.
🔄 Sharing Your Information
We do not sell your personal information. We may share your information in the following cases:
- With Your Consent: When you explicitly authorize us to share your information.
- Service Providers: With trusted third-party providers who assist us in operating the Platform.
- Legal Requirements: When required by law, regulation, or legal process.
- Fraud Prevention: To detect and prevent fraudulent or illegal activity.
- Business Transfers: In the event of a merger, acquisition, or sale of assets.
Third-Party Service Providers: We may share information with:
- Cloudinary (document and image storage)
- MongoDB Atlas (database hosting)
- Payment processors and financial services
- Push notification services (FCM / Firebase)
👤 Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Update or correct inaccurate information.
- Deletion: Request deletion of your personal information (subject to legal obligations).
- Restriction: Limit how we use your personal information.
- Portability: Request a copy of your data in a structured format.
- Withdraw Consent: Withdraw your consent at any time.
To exercise these rights, please contact us.
🪪 KYC Verification
NEXORA requires KYC (Know Your Customer) verification to ensure the security and integrity
of our Platform. We collect and verify:
- Government-issued ID documents (National ID, Passport, Driver's License)
- Selfie photos for identity verification
- Document numbers and personal information
KYC Data Protection: Your KYC documents are stored securely with
Cloudinary with encryption and strict access controls.
We retain KYC data for regulatory compliance and fraud prevention.
🍪 Cookies & Tracking
We use cookies and similar tracking technologies to enhance your experience on our Platform.
These may include:
- Authentication Tokens: Securely maintain your session.
- Preferences: Remember your language, currency, and theme preferences.
- Analytics: Understand how you interact with our Platform.
- FCM Tokens: For push notifications (Firebase Cloud Messaging).
You can manage cookie preferences through your device settings.
👶 Children's Privacy
NEXORA is not intended for individuals under the age of 18. We do not knowingly collect
personal information from minors. If you are a parent or guardian and believe your child
has provided us with personal information, please contact us immediately.
🌍 International Data Transfers
Your information may be transferred to and processed in countries other than your country
of residence. These countries may have data protection laws that are different from your
country's laws. We take appropriate measures to ensure that your personal information
remains protected in accordance with this Privacy Policy.
🚨 Data Breach Notification
In the event of a data breach that compromises your personal information, we will notify
you and the relevant authorities in accordance with applicable laws and regulations.
🔗 Third-Party Links
Our Platform may contain links to third-party websites or services. We are not responsible
for the privacy practices or content of such third parties. We encourage you to review the
privacy policies of any third-party services you access.
📝 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 and updating the "Last Updated" date.
We encourage you to review this Privacy Policy periodically.