Rekobo Privacy Policy

1. Information We Collect

We collect the following categories of information:

a) Information You Provide

• Account Information: Name, email, phone number, password, and referral details.
• Identity Verification Data (KYC): National ID (NIN), BVN, passport, driver's license, voter card, selfie, or other verification details (via Smile Identity).
• Listings & Transactions: Item descriptions, prices, images, chats, and transaction history.
• Payment Information: Bank account details, debit/credit card information (handled securely by Paystack).
• Support Communication: Feedback, reviews, or inquiries sent to us.

b) Information We Collect Automatically

• Device & Usage Data: IP address, device ID, browser type, operating system, app activity, crash logs.
• Location Data: Approximate geolocation (for fraud detection and delivery services).
• Device Fingerprinting: Security identifiers to prevent fake accounts, fraud, and account abuse.

c) Information From Third Parties

• Identity Verification Partners: Smile Identity results (pass/fail, verification status).
• Payment Providers: Paystack transaction confirmations.
• Public & Commercial Sources: To verify authenticity of listings or prevent fraud.

2. How We Use Your Information

We use your information to:

• Provide and improve services (account creation, listings, messaging, escrow payments).
• Verify your identity (using Smile Identity and fraud prevention tools).
• Process payments securely via Paystack.
• Enable safe transactions (escrow, dispute resolution, buyer/seller protection).
• Personalize user experience (recommendations, promotions).
• Ensure security (device fingerprinting, fraud detection, suspicious activity monitoring).
• Communicate with you (notifications, updates, customer support).
• Comply with legal obligations (NDPA 2023, anti-fraud, AML/CFT laws).

3. Legal Basis for Processing

We process personal data based on:

• Consent: When you create an account or provide identity documents.
• Contractual Necessity: To fulfill transactions and provide services.
• Legal Obligation: For compliance with KYC, fraud, and financial regulations.
• Legitimate Interests: Preventing fraud, improving security, and ensuring platform safety.

4. How We Share Your Information

We do not sell your data. We may share your information with:

• Service Providers: Smile Identity (KYC), Paystack (payments), cloud hosting providers (Convex/Next.js servers).
• Law Enforcement/Regulators: If required by law or for fraud prevention.
• Business Transfers: In case of merger, acquisition, or sale of Rekobo.
• Other Users: Information you choose to share publicly (listings, reviews).

5. Data Storage & Retention

• Your data is stored securely on encrypted servers.
• Identity verification data is handled according to Smile Identity and NDPA standards.
• We retain personal data only as long as necessary for service delivery, fraud prevention, or legal compliance.
• Payment information is not stored by Rekobo but by Paystack under PCI-DSS standards.

6. Security

We use industry-standard measures to protect your information, including:

• Encryption (in transit & at rest).
• Access controls and authentication.
• Device fingerprinting to prevent fraud.
• Regular monitoring and security audits.

7. Your Rights

Depending on your jurisdiction (NDPA, NDPR, GDPR), you may have the right to:

• Access the personal data we hold about you.
• Request correction or deletion of your data.
• Withdraw consent for processing.
• Request restriction or object to processing.
• Data portability (transfer your data to another provider).

To exercise your rights, contact us at support@rekobo.store.

8. Cookies & Tracking

We use cookies and similar technologies for:

• Authentication and security.
• Preferences and personalization.
• Analytics and performance improvement.

You can manage cookies through your browser settings.

9. Third-Party Links

The Platform may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies.

10. Children's Privacy

Rekobo is not intended for children under 18 years. We do not knowingly collect data from minors. If we discover that we have collected information from a minor, we will delete it promptly.

11. Changes to this Policy

We may update this Privacy Policy from time to time. Updates will be posted on our Platform with the "Last Updated" date revised. Continued use of Rekobo means you accept the updated policy.

12. Contact Us

If you have any questions or wish to exercise your privacy rights, contact us at:

📧 Email: support@rekobo.store
🌐 Website: www.rekobo.store
📍 Address: Abuja, FCT, Nigeria