Effective Date: 28 March 2025

This Privacy Policy explains how NdoloPay LLC (“NdoloPay”) collects, uses, stores, and discloses personal information when you use our mobile application and website (collectively, the “Platform”). The Platform offers local wallet-to-wallet transfers, Njangi group management, bill payment features, and related services (“Services”). Please note that NdoloPay does not provide any remittance or cross-border transfer services.

By accessing or using the Services, you agree to the terms described in this Privacy Policy. If you do not agree, discontinue use of the Services immediately.

• 1. Information We Collect

  We collect various categories of personal information to provide and enhance our Services:

  • Registration Data: Name, phone number, and other details you provide when creating an NdoloPay account.
  • Financial Data: Payment details required to facilitate wallet-to-wallet transfers, Njangi contributions, and bill payments via MTN Mobile Money, Orange Money, or other approved methods.
  • Usage Data: Information about how you interact with the Platform, such as transaction history and feature usage.
  • Device Data: Technical information about the devices you use to access the Platform (e.g., IP address, browser type, device identifiers).

• 2. How We Use Your Information

  NdoloPay uses your personal data for the following purposes:

  1. Service Delivery: To enable local wallet-to-wallet transfers, Njangi contributions, bill payments, and other functionalities of the Platform.
  2. Account Management: To verify user identities, manage accounts, and provide customer support.
  3. Service Improvement: To troubleshoot issues, analyze usage trends, and enhance user experience.
  4. Compliance and Security: To comply with legal obligations and protect against fraud, unauthorized access, or other potentially harmful activities.
  5. Communications: To send administrative or promotional emails, notifications, or other relevant updates about the Services. You may opt out of promotional emails at any time.

• 3. Sharing and Disclosure of Information

  NdoloPay does not sell or rent your personal data to third parties. However, we may share your information in the following scenarios:

  1. Third-Party Service Providers: With trusted partners (e.g., MTN Mobile Money, Orange Money) that help us process transactions or deliver aspects of our Services.
  2. Legal and Regulatory Compliance: When required by law, or if we believe disclosure is necessary to protect our rights or comply with judicial proceedings.
  3. Corporate Transactions: In the event of a merger, acquisition, asset sale, or other corporate change involving NdoloPay, your personal data may be transferred as part of that transaction.

• 4. Cookies and Tracking Technologies

  We use cookies and similar technologies to improve and personalize your experience on the Platform. You can configure your browser to reject cookies; however, some features of the Services may not function properly if cookies are disabled.

• 5. Data Security

  NdoloPay employs administrative, technical, and physical safeguards to protect your personal data. While we strive to ensure the highest level of security, no method of online data transmission or electronic storage is entirely foolproof.

• 6. Data Retention

  We retain your personal data only as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations. If you would like us to delete your data sooner, you may request deletion by contacting us at admin@ndolopay.com; however, certain data may need to be retained for legal or operational reasons.

• 7. Your Rights and Choices

  Depending on applicable laws, you may have the right to:

  1. Access your personal data.
  2. Request Correction of any inaccurate data.
  3. Request Deletion of your data (subject to legal exceptions).
  4. Withdraw Consent for specific data uses, such as direct marketing.

  To exercise these rights, please contact us at admin@ndolopay.com.

• 8. Children’s Privacy

  The Services are intended for users who are at least 18 years old. NdoloPay does not knowingly collect information from minors. If you suspect that a minor has used the Services, please contact us to have the relevant data removed.

• 9. International Users

  Although our Services focus on Cameroon-based transactions, users from other jurisdictions may access our Platform. By using the Services, you acknowledge that your data may be stored and processed in Cameroon or other jurisdictions. We comply with local data protection regulations in the countries where we operate.

• 10. Policy Updates

  NdoloPay may update this Privacy Policy from time to time. If material changes are made, we will notify you via email or by posting a notice on the Platform. Please review these updates carefully. Your continued use of the Services after any changes indicates your acceptance of the revised Privacy Policy.

• 11. Contact Us

  If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your personal information, please contact us at:

• NdoloPay LLC
  Email: admin@ndolopay.com

  If you remain unsatisfied, you may have the right to escalate your complaint to a relevant data protection authority, depending on your location.