1. Who we are
Networth Journal is operated by 215 International Limited, RC 1751397, Lagos, Nigeria (“Networth Journal”, “we”, “us” or “our”). For purposes of applicable data protection law, we are the controller of personal data described in this policy unless stated otherwise.
2. Information we may collect
The information we process depends on the features you use and may include:
- Account information: such as your name, email address, login credentials and preferences.
- Financial journal information: entries you choose to provide about income, expenses, balances, budgets, debts, savings, investments, assets, insurance, goals and related notes.
- Optional content: mood information, categories, tags, voice entries or other details you voluntarily add.
- Transaction information: records relating to plans, coins or purchases, where applicable. Payment providers may process payment-card information directly; we do not need to receive full card details.
- Device and usage information: browser type, device type, operating system, IP address, app interactions, crash information and diagnostic data.
- Communications: information included when you contact support, provide feedback or otherwise communicate with us.
Please do not enter another person’s personal information unless you have a lawful reason and authority to do so.
3. How we use information
We may use personal information to:
- create and maintain your account and provide requested features;
- display calculations, summaries, forecasts, insights and personalised activities based on information you enter;
- sync information across devices and protect accounts;
- process purchases and maintain transaction records;
- respond to support requests and service communications;
- monitor reliability, diagnose problems and improve the Service;
- prevent fraud, misuse and security incidents; and
- comply with law and enforce our Terms of Use.
4. Our lawful bases
Where the Nigeria Data Protection Act 2023 or another applicable law requires a lawful basis, we rely on performance of our contract with you, your consent, compliance with legal obligations, and our legitimate interests in securing, operating and improving the Service. Where processing relies on consent, you may withdraw it at any time, without affecting processing already carried out lawfully.
5. How information may be shared
We do not sell your personal information. We may disclose limited information:
- to hosting, storage, authentication, analytics, customer-support and payment providers that help operate the Service under appropriate obligations;
- when you ask us to export, connect or share information;
- to professional advisers and parties involved in a legitimate corporate transaction;
- when required by law, court order or a lawful request; or
- when reasonably necessary to protect users, the public, our rights or the security of the Service.
6. International transfers
Some service providers may process information outside Nigeria. Where required, we use lawful transfer mechanisms and appropriate safeguards intended to protect personal information.
7. Data retention
We keep personal information only for as long as reasonably necessary to provide the Service, meet legal and accounting requirements, resolve disputes and maintain security. Retention periods vary by the type of information and why it is processed. When information is no longer needed, we delete or anonymise it, subject to lawful backup and recordkeeping periods.
8. Security
We use reasonable technical and organisational measures designed to protect personal information. No online service or storage method is completely secure, so we cannot guarantee absolute security. You are responsible for protecting your credentials and should notify us promptly if you suspect unauthorised account access.
9. Your privacy rights
Depending on applicable law, you may have rights to be informed, access your information, correct it, request deletion or restriction, object to certain processing, obtain portable information, withdraw consent, and request human review of qualifying automated decisions. You may also complain to the Nigeria Data Protection Commission or another competent regulator.
To exercise a right, use the support or contact channel made available within the Service. We may need to verify your identity before completing a request.
10. Cookies and similar technologies
Our website and app may use essential local storage, cookies or similar technologies for authentication, security and preferences. If we use optional analytics or marketing technologies that require consent, we will provide an appropriate choice where required by law. Browser controls can block some technologies, but doing so may affect functionality.
11. Children
The Service is not directed to children who cannot lawfully consent to personal-data processing or enter a binding agreement in their location. We do not knowingly collect children’s personal information in violation of applicable law. A parent or guardian who believes a child has provided information unlawfully should contact us through the Service.
12. Changes to this policy
We may update this policy to reflect changes to the Service, our practices or applicable law. We will post the revised policy here, update its effective date and provide additional notice where required.
13. Contact
For privacy questions or requests, contact 215 International Limited through the support or contact channel available within Networth Journal. Our registered company location is Lagos, Nigeria.