At Fujerra, your privacy is fundamental to how we operate. This policy explains what we collect, why we collect it, and how we protect it.
Section 01
Information We Collect
Account Information
- Full name, email address, and phone number
- Date of registration and account activity logs
- Password (stored as an irreversible bcrypt hash — never in plain text)
- Payment PIN (stored as an irreversible hash — never readable by staff)
Identity Verification (KYC)
- Government-issued ID type and ID number
- Photograph of your ID document (front)
- Selfie photograph holding your ID
Financial Information
- Wallet balance and full transaction history
- Virtual bank account details
- Sourcing, verification, and group buy activity
Technical Information
- IP address and session timestamps
- Device type and browser information
- Login history and security events
Section 02
How We Use Your Information
- To verify your identity and comply with KYC/AML regulations
- To process wallet transactions and service requests
- To assign and manage your dedicated virtual bank account
- To send important account updates, notifications, and service reports
- To detect and prevent fraud, money laundering, and security threats
- To investigate suspicious activity and respond to regulatory enquiries
- To improve our platform features and user experience
- To comply with Nigerian legal and regulatory requirements
Section 03
How We Protect Your Data
🔒 Private File StorageKYC documents are stored in a private server directory with no public URL — completely inaccessible from the internet.
🔐 Encrypted TransmissionAll data between your browser and our servers is encrypted using HTTPS/TLS.
🛡️ Bcrypt HashingPasswords and PINs are hashed using bcrypt — they cannot be reversed or read by anyone, including our staff.
📋 Access LoggingEvery access to your KYC documents is logged with the staff name, timestamp, and reason.
🔗 Session BindingYour session is bound to your IP address and device — unusual access triggers automatic logout.
🏦 Immutable AccountsYour virtual bank account cannot be modified by any staff member once assigned — preventing fund diversion attacks.
Section 04
Data Sharing
Fujerra does not sell, rent, or trade your personal information to third parties. We share data only in the following limited circumstances:
- Payment Provider — Account number and name are shared with our virtual account provider (Monnify/Paystack/Flutterwave) solely for transaction processing
- Regulatory Authorities — We share data with the NFIU, EFCC, or CBN when legally required
- Law Enforcement — In response to a valid court order or lawful government request
We never share your KYC documents, transaction history, or personal data with any commercial third party.
Section 05
KYC Document Access
Your identity documents (ID photograph and selfie) are stored in a private, encrypted directory outside our public website — they have no accessible URL and cannot be found via any search engine or direct link.
Access is restricted to authorised compliance staff only (KYC Officers and Super Admin). Every time your documents are accessed, an automatic audit log is created recording:
- The staff member's name and ID
- The exact date and time of access
- The document type viewed (ID or selfie)
- The staff member's IP address
This log is immutable and available for regulatory review at any time.
Section 06
Data Retention
We retain your personal data for as long as your account is active and for a minimum of five (5) years after account closure, in compliance with the Money Laundering (Prevention and Prohibition) Act 2022.
KYC documents are retained for the same period and then securely and permanently deleted from our servers.
Section 07
Your Rights
Right to AccessRequest a copy of all personal data we hold about you.
Right to CorrectionRequest correction of any inaccurate personal information.
Right to DeletionRequest deletion of your account and data, subject to regulatory retention requirements.
Right to KnowBe informed of how your data is used, who accesses it, and why.
To exercise any of these rights, contact us at privacy@fujerra.com.
Section 08
Cookies
Fujerra uses only essential session cookies required for platform functionality — specifically to keep you logged in securely. We do not use:
- Advertising or tracking cookies
- Third-party analytics tools that share your data
- Social media tracking pixels
You may disable cookies in your browser settings, but this will prevent you from logging in to the platform.
Section 09
Children's Privacy
Fujerra is not intended for users under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has registered an account, we will immediately close the account and permanently delete all associated data.
Section 10
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify registered users of material changes via email at least 14 days before they take effect. The most current version is always available at fujerra.com/privacy.html.