Privacy Policy
Introduction
SmartVaultHub Multipurpose Cooperative Society (“SmartVaultHub”, “we”, “our”, or “us”) is a registered cooperative in Nigeria that provides savings and investment opportunities to members through our digital platform and offline channels. We are committed to protecting your personal information and respecting your privacy.
Information We Collect
We collect personal data necessary for the operation of our cooperative and services, including:
- Name
- Email address
- Phone number
- Payment records (for savings and investments)
We do not use cookies on our main website (smartvaulth.com). However, our app (app.smartvaulth.com) requires account creation for members who wish to use savings and investment services.
How We Collect Data
Information may be collected when you:
- Fill forms on our website or mobile app
- Register as a member through the SmartVault Esusu Savings App
- Make deposits, withdrawals, or other transactions
- Contact us via email, phone, or customer care
Use of Information
We use your information to:
- Manage your membership account and transactions
- Provide customer support
- Send notifications or updates related to your account or cooperative activities
- Comply with legal and regulatory requirements
Third-Party Services
We use TERMII for SMS and communication services. Your phone number may be processed by Termii solely for message delivery. We do not share your information with other third parties for marketing or advertising purposes.
Data Security
SmartVaultHub takes data protection seriously. We use secure payment channels and maintain strict administrative and technical measures to protect your information against unauthorized access, loss, or misuse.
Children’s Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors.
Offline Payments
Members who make offline payments through designated cooperative agents or offices are required to retain their proof of payment. We verify all offline transactions manually to ensure accuracy and transparency.
Data Retention
We retain your information for as long as you maintain an active membership with SmartVaultHub or as required by Nigerian cooperative and financial laws. Once your account is closed, data may be archived for recordkeeping and compliance purposes.
Your Rights
As a member, you have the right to:
- Request access to your personal data
- Request correction of inaccurate information
- Request deletion of your personal data (subject to regulatory retention requirements)
Contact Us
If you have any questions or requests concerning your privacy, please contact us:
Email: hello@smartvaulth.com
Phone: +234 901 322 2700
Office Address: The Tamara Center, Plot 4 Eastern Bye Pass, Ministry of Women Affairs, Port Harcourt, Rivers State, Nigeria.
Updates to This Policy
We may update this Privacy Policy periodically to reflect changes in our operations, legal obligations, or industry practices. Updates will be posted on this page with a new effective date.