1. Introduction
AgriReach ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our agricultural credit infrastructure platform and related services.
By accessing or using AgriReach, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our services.
2. Information We Collect
We collect information you provide directly and information collected automatically through your use of our platform:
Information You Provide:
- Identity information (name, date of birth, government-issued ID numbers)
- Contact information (phone number, email address, physical address)
- Agricultural data (farm location, farm size, crop types, farming history)
- Financial information (bank account details, loan history, repayment records)
- Cooperative and community affiliations
- Educational completion records from AgriLearn modules
- Communications with our support team
Information Collected Automatically:
- Device information (device type, operating system, browser type)
- Usage data (features accessed, time spent, interaction patterns)
- Location data (with your permission, for agricultural advisory services)
- Weather and environmental data relevant to your farming activities
3. How We Use Your Information
We use the information we collect to:
- Verify your identity and create your portable credit profile
- Calculate and maintain your AgriScore credit rating
- Connect you with appropriate financial products and lenders
- Deliver personalized agricultural advisory and weather alerts
- Provide educational content and track your learning progress
- Monitor loan performance and provide post-loan support
- Improve our platform, services, and user experience
- Communicate important updates, alerts, and service notifications
- Comply with legal obligations and prevent fraud
4. Data Sharing and Disclosure
We may share your information in the following circumstances:
With Lenders: When you apply for financing, we share your verified profile and AgriScore with matched financial institutions to facilitate loan applications.
With Service Providers: We engage trusted third parties to support our operations, including cloud hosting, data analytics, and communication services. These providers are contractually obligated to protect your data.
With Your Consent: We may share information when you explicitly authorize us to do so, such as sharing data with agricultural cooperatives or government programs.
For Legal Reasons: We may disclose information when required by law, regulation, or legal process, or to protect the rights, property, or safety of AgriReach, our users, or others.
We do not sell your personal information to third parties.
5. Data Security
We implement industry-standard security measures to protect your information, including:
- Encryption of data in transit and at rest
- Access controls and authentication mechanisms
- Regular security audits and vulnerability assessments
- Secure data storage with access logging
- Employee training on data protection practices
While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest practicable standards.
6. Your Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the personal data we hold about you
- Correction: Request correction of inaccurate or incomplete data
- Deletion: Request deletion of your personal data (subject to legal retention requirements)
- Portability: Receive your data in a structured, machine-readable format
- Objection: Object to certain processing of your data
- Withdrawal of Consent: Withdraw previously given consent at any time
To exercise these rights, contact us at hello@agrireach.backlinq.ng.
7. Cookies and Tracking
We use cookies and similar tracking technologies to:
- Remember your preferences and login status
- Analyze platform usage and performance
- Deliver relevant agricultural content and recommendations
- Improve our services and user experience
You can control cookies through your browser settings. However, disabling cookies may affect some platform functionality.
8. Data Retention
We retain your information for as long as your account is active or as needed to provide services. Specifically:
- Credit profile data is retained while your AgriScore is active
- Loan-related data is retained for the duration of the loan plus any legally required period
- Educational records are retained to maintain your credit history
- You may request deletion of your data, subject to legal and regulatory requirements
9. Children's Privacy
AgriReach is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on our platform and updating the "Last updated" date. Your continued use of AgriReach after changes are posted constitutes acceptance of the updated policy.
11. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Email: privacy@agrireach.backlinq.ng
General Inquiries: hello@agrireach.backlinq.ng
Partnerships: partners@agrireach.backlinq.ng