Privacy Policy

1. Introduction

NoChance ("we", "us", "our") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, share, and retain personal information when you use our website and services.

2. Information We Collect

We collect information you provide and information collected automatically:

• Personal Information: name, email, phone, address, business registration details (CAC records), TIN, NIN/BVN, government-issued IDs, directors' details.
• Verification Documents: uploaded files such as certificates, utility bills, product documents.
• Financial Information: payment information processed via third-party payment processors (we do not store full payment card details).
• Usage & Technical Data: IP address, device/browser information, cookies, logs.
• Third-Party Data: data from public registries, data providers, government databases.

3. How We Use Your Information

• To provide and improve verification services.
• To perform identity and business checks and to issue verification results.
• To communicate (support, status updates, transactional emails, security alerts).
• To comply with legal obligations, anti-money laundering (AML), and regulatory requirements.
• For analytics, fraud prevention, and product development.

4. Legal Bases for Processing

Where applicable (e.g., GDPR), we rely on lawful bases including: consent, contract performance, legal compliance, and legitimate interests (fraud prevention, service improvement), depending on the type of processing.

5. Sharing & Disclosure

We may share data with:

• Service Providers: hosting, analytics, payment processors, communication platforms.
• Government & Regulators: when required for compliance, legal requests, or verification.
• Partners: authorized partners performing verification tasks.
• Business Transfers: in connection with mergers, acquisitions, or asset sales (with notice).

We do not sell personal data to third parties.

6. Cookies & Tracking

We use cookies and similar technologies to operate the Service, improve user experience, and provide analytics. You can manage cookie preferences via your browser or the cookie banner. For details, see below:

• Essential Cookies: required for site operation (login, session).
• Analytics Cookies: used for usage analytics and product improvements.
• Advertising/Marketing: used for marketing and performance measurement (where applicable).

7. Security

We use reasonable technical and organizational measures (encryption at rest/in transit, access controls) to protect personal data. No method is 100% secure; in the event of a breach we will notify affected users and authorities as required by law.

8. Data Retention

We retain personal data only as long as necessary to provide services, meet legal obligations, resolve disputes, and enforce agreements. Retention periods vary by data type and jurisdiction.

9. Your Rights

Depending on your jurisdiction, you may have rights to: access, rectify, erase, restrict processing, object to processing, and data portability. To exercise rights, contact privacy@nochance.app.

10. International Transfers

We may transfer data across borders to service providers or partners. Where required, we use legal safeguards such as standard contractual clauses or other lawful transfer mechanisms.

11. Children

Our Services are not directed at children under 18. We do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy. We will post changes to this page with the updated effective date. Significant changes may be communicated through the platform or email.

13. Contact

For privacy questions or data requests contact us at privacy@nochance.app.