Effective Date: February, 2026

Kobo Vault (“we”, “our”, “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our website, mobile application, and related services.

1. Information We Collect

We may collect the following types of information:

• Personal Information – such as your name, email address, phone number, and other identification details.

• Account & Transaction Information – including payment details and transaction history.

• Device & Usage Data – such as IP address, browser type, device information, and usage behavior to improve performance and user experience.

• Communication Records – when you contact customer support or interact with us.

2. How We Use Your Information

We use your information to:

• Provide, operate, and improve our services

• Process transactions and payments

• Verify your identity and maintain account security

• Communicate service updates, notifications, and support messages

• Comply with legal and regulatory obligations

3. How We Share Your Information

Kobo Vault does not sell your personal data.

We only share information with trusted partners, service providers, or regulatory authorities when necessary to:

• Deliver our services

• Process payments and transactions

• Comply with legal, regulatory, or enforcement requirements

All third parties are required to protect your information in accordance with applicable data protection laws.

4. Your Choices and Rights

We respect your privacy rights and provide you with control over your information. You may:

• Access your personal information

• Request corrections or updates

• Request deletion of your data (subject to legal obligations)

• Manage your communication preferences

To exercise these rights, please contact us using the details below.

5. Data Security

We implement robust security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption: Industry-standard encryption for data in transit and at rest.

• Access Controls: Limiting access to authorized personnel on a need-to-know basis.

• Secure Servers: Hosting data on secure servers protected by firewalls and advanced security protocols.

• Regular Audits: Conducting periodic security audits and vulnerability assessments.

• KYC/AML Procedures: Implementing strict Know Your Customer (KYC) and Anti-Money Laundering (AML) processes to enhance security and regulatory compliance.

While we take commercially reasonable steps to safeguard your information, no method of internet transmission or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

6. International Data Transfers

As a financial technology platform, Kobo Vault may store and process your information on servers located in different jurisdictions, including outside Nigeria.

When transferring personal data across borders, we ensure appropriate safeguards are in place in compliance with applicable data protection laws.

7. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that such information has been collected, we will take appropriate steps to delete it.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect operational, legal, or regulatory changes.

Any updates will be posted on this page with a revised “Effective Date.” Where necessary, we may also notify users via email or in-app notification prior to the changes taking effect.

We encourage you to review this Privacy Policy regularly.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: support@kobovault.com