Privacy Policy

1.Information We Collect

We collect information directly provided by you, automatically through your device usage, and from trusted third-party partners.

• (A) Personal Information You Provide:

• Account Registration:: Full name, phone number, email address, physical/delivery address, profile photo, and password.
• Merchant & Agent KYC Data:: Business registration certificates, national ID/passport copies, taxpayer identification, and bank/mobile money details
• Driver KYC Data:: Driver's license, vehicle registration, insurance documents, national ID, and background check verification records.
• Payment & Wallet Data:: Mobile money numbers (Wave, Africell, QMoney), payment transaction logs, and wallet balance details.
• User Content:: Product reviews, service ratings, customer support tickets, in-app chat communications, and posted job/property/vehicle listings.

• (B) Information Collected Automatically:

• Real-Time Location Data:: Precise GPS coordinates collected from buyers during order tracking/ride requests and drivers during active shifts (including background location when actively fulfilling rides/deliveries).
• Device & Usage Data:: IP address, operating system, browser type, device identifier, app interactions, and crash reports.
• Driver KYC Data:: Driver's license, vehicle registration, insurance documents, national ID, and background check verification records.
• Cookies & Tracking:: Cookies, local storage, and similar technologies to preserve user sessions, cart state, and localized preferences.

2.How We Use Your Information

We process your data to operate, improve, and secure the Banjulo platform:

• Service Delivery:: Facilitating marketplace orders, ride-hailing dispatch, hotel/property reservations, appointment scheduling, and job applications.
• Payment Processing & Escrow:: Executing wallet top-ups, P2P transfers, escrow lock/release routines, diaspora gift claims, and merchant payouts.
• Real-Time Tracking & Logistics:: Displaying real-time driver/order locations to buyers and calculating optimal route maps via Google Maps APIs.
• Verification & Safety:: Verifying identity, background checks for drivers/agents, detecting fraudulent transactions, and safeguarding platform escrow.
• Communications: Sending transactional SMS alerts, push notifications, order status updates, and support messages.

3.Disclosure & Sharing of Information

We do NOT sell your personal data. We share information strictly as necessary to execute platform services:

• Between Platform Users:: Buyer delivery addresses and phone numbers are shared with assigned drivers and fulfilling sellers; driver location and contact details are shared with ride/delivery customers.
• Payment Adapters & Financial Rails:: Mobile money providers (Wave, Africell, QMoney), Flutterwave, and partner banking rails to process transactions and payouts.
• Service Providers:: Cloud hosting infrastructure (Vercel, Supabase), mapping and geocoding services (Google Maps), SMS gateways, and analytics engines.
• Legal Authorities:: When required by law, regulation, legal process, or governmental request to enforce our terms, protect safety, or combat financial fraud.

4.Data Security & Escrow Protection

We implement industry-standard administrative, technical, and physical security measures, including HTTPS encryption, Row-Level Security (RLS) policies on database layers, and multi-factor authentication for administrative access. Financial transactions and escrow funds are isolated in secure, audited accounts.

5.Your Rights & Data Retention

Depending on your jurisdiction, you have the right to:

• Access, correct, or update your personal account data via settings
• Request deletion of your account and personal data (subject to legal retention requirements for financial records).
• Opt-out of marketing communications at any time.
• Request a digital export of your platform data via our GDPR/Data Protection export tool.

6.Contact Us

For privacy inquiries, data deletion requests, or support: