Moses Transportation

1. Introduction

Moses Technologies Ltd ("Moses Transportation", "we", "us", or "our") operates the Moses Transportation mobile application. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application.

By using the app, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the application.

2. Information We Collect

2.1 Personal Information

• Full name, date of birth, gender, and marital status
• Phone number and email address
• Home address, landmark, length of stay, and previous address
• State of origin and local government area
• Profile photograph and signature

2.2 Identity Verification (KYC)

• National Identification Number (NIN)
• Government-issued ID type, number, and document image
• Rider's permit number and years of riding experience

2.3 Financial Information

• Payment history and transaction records
• Virtual bank account details (generated for payment collection)
• Application fee payment status

2.4 Guarantor & Reference Information

• Guarantor names, phone numbers, addresses, and photographs
• Relative/next-of-kin contact details
• Referral name, phone, and address

2.5 Device & Technical Data

• Device type, operating system, and app version
• Push notification tokens
• Location data (with your permission, used to auto-fill your address)

3. How We Use Your Information

• To verify your identity and complete KYC checks
• To process vehicle hire-purchase (Autopay) agreements
• To generate virtual bank accounts for payment collection
• To track and record daily payments
• To send payment reminders, receipts, and account notifications via SMS and WhatsApp
• To manage your account and provide customer support
• To monitor vehicle assignment and recovery in case of default
• To comply with legal and regulatory obligations

4. Information Sharing & Third Parties

We do not sell your personal information. We share data only with the following categories of service providers to operate our platform:

• Payment Processor (Paystack): To create virtual bank accounts and process payments
• Messaging Provider (eBulkSMS): To deliver SMS and WhatsApp notifications
• Cloud Infrastructure: To securely store and process your data
• Vehicle Tracking: To monitor assigned vehicle locations for asset security

We may also disclose your information if required by law, court order, or government regulation.

5. Data Security

We implement industry-standard security measures to protect your personal information, including encrypted data transmission (HTTPS/TLS), secure password hashing, and role-based access controls. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our services. Financial and transaction records are retained as required by applicable laws and regulations. When data is no longer needed, it is securely deleted or anonymized.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate information
• Request deletion of your account and associated data (subject to legal retention requirements)
• Withdraw consent for optional data processing (e.g., location access, push notifications)

To exercise any of these rights, contact us using the details in Section 10.

8. Children's Privacy

Our application is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal data, we will take steps to delete such information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the application after any changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact us: