Coffer legal

Privacy Policy

Your privacy matters to us. This policy explains how Coffer collects, uses, stores, shares, and protects your information across our website, mobile application, and related services.

Last updated: August 7, 2026

1. Introduction

Welcome to Coffer.

At Coffer, we are committed to protecting your personal information and handling it responsibly. This Privacy Policy explains how we collect, use, store, disclose, and protect your information when you use the Coffer website, mobile application, and related services.

By accessing or using Coffer, you acknowledge that you have read and understood this Privacy Policy.

2. Who We Are

Coffer is a technology platform designed to help individuals save intentionally, build healthy financial habits, and access financial services through trusted regulated partners.

Our services include:

  • General Savings
  • Fixed Savings
  • Goal-Based Savings
  • Coffer ID
  • Cross-border financial services (where available)
  • Investment services through regulated partners
  • Future financial products introduced by Coffer

3. Information We Collect

We may collect the following categories of information.

Personal information

  • Full name
  • Date of birth
  • Email address
  • Phone number
  • Residential address
  • Government-issued identification
  • Selfie or identity verification information
  • Bank Verification Number (BVN), National Identification Number (NIN), or other regulatory identifiers where required
  • Proof of address

Financial information

  • Bank account details
  • Wallet information
  • Savings information
  • Investment information
  • Transaction history
  • Payment information

Device information

  • Device model
  • Operating system
  • Browser type
  • IP address
  • Device identifiers
  • Language preferences
  • Mobile network information

Usage information

  • Pages visited
  • Features used
  • Session duration
  • Clickstream information
  • App performance data

4. How We Use Your Information

We use your information to:

  • Create and manage your account
  • Verify your identity
  • Process savings transactions
  • Enable financial services
  • Prevent fraud and financial crime
  • Meet regulatory obligations
  • Improve our products and services
  • Provide customer support
  • Personalize your experience
  • Send important service notifications
  • Protect the security of our platform

In plain English

We may also use aggregated and anonymized data for analytics and business insights.

5. Identity Verification

To comply with applicable regulations and protect our users, Coffer may perform Know Your Customer (KYC) and identity verification checks.

Verification may include:

  • Government-issued identification
  • Facial verification
  • BVN or NIN verification
  • Address verification
  • Other verification methods required by our regulated partners

In plain English

Failure to complete verification may limit access to certain services.

6. Cookies and Similar Technologies

Our website uses cookies and similar technologies to:

  • Improve website performance
  • Remember your preferences
  • Understand website usage
  • Enhance security
  • Measure website traffic
  • Deliver a better user experience

In plain English

You may disable cookies through your browser settings, although certain features may no longer function correctly.

7. Sharing Your Information

We do not sell your personal information.

We may share your information with trusted third parties where necessary, including:

  • Banking partners
  • Licensed financial institutions
  • Identity verification providers
  • Payment processors
  • Regulatory authorities
  • Law enforcement agencies where legally required
  • Cloud infrastructure providers
  • Analytics providers
  • Customer support platforms

In plain English

All partners are expected to maintain appropriate security and confidentiality standards.

8. Cross-Border Data Transfers

Some of our partners operate internationally.

Where your information is transferred outside your country of residence, we take appropriate measures to ensure your information remains protected in accordance with applicable data protection laws.

9. Data Security

We implement appropriate administrative, technical, and organizational safeguards to protect your information.

These include:

  • Encryption of sensitive data
  • Secure communication protocols
  • Access controls
  • Multi-factor authentication
  • Continuous monitoring
  • Security audits

In plain English

While we work hard to protect your information, no internet-based system can be guaranteed to be completely secure.

10. Data Retention

We retain your information only for as long as necessary to:

  • Provide our services
  • Meet legal obligations
  • Resolve disputes
  • Prevent fraud
  • Enforce our agreements

In plain English

When information is no longer required, it is securely deleted or anonymized.

11. Your Privacy Rights

Depending on your location, you may have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Delete eligible personal information
  • Restrict certain processing
  • Withdraw consent
  • Object to specific processing activities
  • Request data portability
  • Lodge complaints with applicable regulators

In plain English

We will respond to valid requests within applicable legal timelines.

12. Children's Privacy

Coffer is intended for individuals who are legally eligible to use our services.

We do not knowingly collect personal information from children without appropriate legal authorization.

13. Third-Party Services

Our platform may integrate with third-party providers, including payment providers, banking partners, identity verification providers, investment partners, and other financial service providers.

These services operate under their own privacy policies.

We encourage users to review the privacy practices of any third-party services they use.

14. Marketing Communications

We may send you:

  • Product updates
  • Savings insights
  • New feature announcements
  • Educational content
  • Promotional campaigns

In plain English

You may unsubscribe from marketing communications at any time. Service-related communications will continue where necessary.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Where significant changes are made, we will notify users through appropriate channels, including our website, mobile application, or email where required.

Your continued use of Coffer after changes become effective constitutes acceptance of the updated Privacy Policy.

16. Contact Us

If you have questions regarding this Privacy Policy or how we process your information, please contact us.

  • Coffer
  • Email: privacy@coffer.africa
  • Website: www.coffer.africa
  • Support: support@coffer.africa

In plain English

We are committed to responding to your privacy-related enquiries as quickly as possible.