Privacy Policy
Agbajo Africa Consumer Protection Policy
Our Commitment
At AGBAJO Africa, we are committed to providing a secure, transparent, fair, and accountable digital cooperative platform that protects the interests of all members, Cluster Acquisition Managers (CAMs), partners, and stakeholders.
Our Consumer Protection Principles
Transparency
Members shall have access to clear information regarding:
- Contribution obligations
- Service charges
- Payment schedules
- Disbursement schedules
- Platform policies
Information We Collect
We may collect:
- Full Name
- Phone Number
- Email Address
- Residential Address
- Date of Birth
- BVN
- NIN
- Bank Account Information
- Device Information
- Transaction History
Purpose of Collection
Information is collected to:
- Verify identity
- Prevent fraud
- Facilitate platform operations
- Improve services
- Meet legal and regulatory obligations
Information Security
AGBAJO employs:
- Data encryption
- Access controls
- Secure servers
- Monitoring systems
- Cybersecurity safeguards
Data Sharing
AGBAJO may share information only with:
- Licensed payment partners
- Verification service providers
- Regulatory authorities when legally required
- Authorized service providers
User Rights
Members may request:
- Access to their information
- Correction of inaccurate information
- Deletion where legally permissible
- Withdrawal of consent where applicable
Contact
Privacy enquiries:
- Email: privacy@agbajo.africa
- Correction of inaccurate information
- Deletion where legally permissible
- Withdrawal of consent where applicable
Complaint Resolution Process
Our Commitment
AGBAJO is committed to resolving complaints promptly, fairly, and professionally.
How to Submit Complaints
Members may submit complaints through:
- Website Contact Form
- Mobile Application
- Telephone Support
- WhatsApp Support
Required Information
Members may submit complaints through:
- Full Name
- Registered Phone Number
- Cluster Name
- Complaint Description
- Supporting Evidence
Resolution Timeline
Level 1
Acknowledgement: Within 24 Hours
Level 2
Investigation: Within 3 Business Days
Level 3
Resolution: Within 7 Business Days
Level 4
Escalation: Complex matters may require additional review.
- Full Name
- Registered Phone Number
- Cluster Name
- Complaint Description
- Supporting Evidence
Complaint Categories
- Contribution Issues
- Payment Issues
- Technical Issues
- Fraud Concerns
- Account Verification Issues
- Service Complaints
Escalation
AGBAJO is committed to resolving complaints promptly, fairly, and professionally.
AGBAJO AFRICA FRAUD PREVENTION POLICY
Objective
To protect members, clusters, and stakeholders from fraud, identity theft, cybercrime, and financial misconduct.
- Verification Controls
- AGBAJO utilizes:
- BVN Verification
- NIN Verification
- Phone Verification
- Email Verification
- Facial Verification (where applicable)
- Guarantor Verification
- Transaction Monitoring
- The platform continuously monitors:
- Unusual transactions
- Suspicious activities
- Multiple account usage
- Unauthorized access attempts
- Potential contribution defaults
AGBAJO 7-LAYER PROTECTION SYSTEM
1. BVN Verification, 2. NIN Verification, 3. Cashflow Assessment, 4. Guarantor Requirement, 5. Direct Debit Authorization, 6. AGBAJO Trust Score™, 7. AI Risk Monitoring.
Fraud Reporting
Members are encouraged to report suspicious activities immediately.
Fraud Investigation
All reports shall be investigated promptly and may result in:
- Account suspension
- Cluster restrictions
- Law enforcement referrals where appropriate
- Recovery actions
Member Responsibility
Members must:
All reports shall be investigated promptly and may result in:
- Protect account credentials
- Maintain updated information
- Report suspicious activities immediately
- Avoid sharing passwords or OTPs
Zero Tolerance Policy
AGBAJO maintains a zero-tolerance approach toward fraud, identity theft, money laundering, and any misuse of the platform.