Privacy Policy

Welcome to GoFuel. This Privacy Policy explains how JCobiq Energy Solutions ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you use the GoFuel mobile application and related services (collectively, the "Service").

By using GoFuel, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Service.

1. Information We Collect

1.1 Information You Provide

We collect information that you provide directly to us, including:

• Account Information: Phone number, name, email address, and password
• Identity Verification: Bank Verification Number (BVN), date of birth, and government-issued ID (when required for credit eligibility)
• Payment Information: Payment card details are processed securely through our payment processor (Paystack) and are not stored on our servers
• Transaction Data: Details of fuel requests, wallet funding, savings plans, credit applications, and repayment history
• Profile Information: Profile picture, vehicle information, and preferences
• Communications: Messages you send to customer support or feedback you provide

1.2 Information Collected Automatically

When you use our Service, we automatically collect certain information, including:

• Location Data: Real-time GPS location when you use the map feature to find nearby stations (only when the app is active and with your permission)
• Device Information: Device type, operating system, unique device identifiers, mobile network information
• Usage Data: App features used, time spent on screens, interaction patterns, and crash reports
• Log Data: IP address, access times, app version, and pages viewed

1.3 Information from Third Parties

• Identity Verification Services: We use Mono API to verify your BVN and identity information for credit eligibility
• Payment Processors: Transaction confirmations and payment status from Paystack
• Analytics Providers: Aggregated usage statistics from Firebase Analytics

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Service
• Process transactions and send related information (confirmations, receipts, invoices)
• Verify your identity and assess credit eligibility
• Match you with nearby partner fuel stations
• Send push notifications about transaction status, payment reminders, and service updates
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and enforce our Terms of Service
• Communicate with you about products, services, and promotional offers (with your consent)
• Analyze usage patterns to improve user experience
• Provide customer support and respond to your inquiries

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

3.1 With Service Providers

• Payment Processing: Paystack (for secure payment transactions)
• Identity Verification: Mono API (for BVN verification)
• Cloud Infrastructure: Firebase/Google Cloud (for data storage and authentication)
• Push Notifications: Firebase Cloud Messaging (for transaction alerts)
• Analytics: Firebase Analytics (for app performance and usage insights)

3.2 With Partner Vendors

We share limited information (request details, verification codes) with fuel station vendors to fulfill your fuel requests. Vendors are contractually obligated to protect your information.

3.3 For Legal Reasons

We may disclose your information if required by law or in response to valid requests by public authorities (e.g., court orders, government agencies).

3.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Data Security

We implement industry-standard security measures to protect your personal information:

• End-to-end encryption for data transmission (TLS/SSL)
• Encrypted storage of sensitive data at rest
• Secure authentication using Firebase Authentication
• Regular security audits and vulnerability assessments
• Access controls limiting employee access to personal data
• PCI DSS compliant payment processing through Paystack

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

5.1 Access and Update

You can access and update your account information directly in the app under Profile settings.

5.2 Location Data

You can disable location access at any time through your device settings. Note that this will limit your ability to find nearby stations.

5.3 Push Notifications

You can opt out of push notifications through your device settings or app notification preferences. Critical transaction notifications may still be sent.

5.4 Marketing Communications

You can unsubscribe from promotional emails by clicking the "unsubscribe" link in any marketing email.

5.5 Data Deletion

You can request deletion of your account and personal data by contacting us at privacy@gofuel.ng. Note that we may retain certain information as required by law or for legitimate business purposes (e.g., fraud prevention, outstanding debts).

5.6 Data Portability

You can request a copy of your personal data in a structured, machine-readable format by contacting us.

6. Data Retention

We retain your personal information for as long as necessary to provide our Service and fulfill the purposes outlined in this Privacy Policy. Specific retention periods:

• Account Data: Retained while your account is active and for 7 years after closure (for legal and accounting purposes)
• Transaction Records: Retained for 7 years as required by Nigerian financial regulations
• Credit History: Retained for 5 years after last credit transaction
• Usage Data: Aggregated and anonymized after 2 years
• Support Communications: Retained for 3 years

7. Children's Privacy

GoFuel is not intended for users under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will delete such information.

8. International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria, including the United States (where our cloud infrastructure providers are located). These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

9. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy in the app with a new "Last Updated" date
• Sending a push notification or email (for significant changes)
• Requiring you to accept the updated policy before continuing to use the Service

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

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

JCobiq Energy Solutions
Email: privacy@gofuel.ng
General Inquiries: info@gofuel.ng
Address: Port Harcourt, Rivers State, Nigeria

12. Governing Law

This Privacy Policy is governed by the laws of the Federal Republic of Nigeria, including the Nigeria Data Protection Regulation (NDPR) 2019. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of Nigerian courts.

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By using GoFuel, you acknowledge that you have read and understood this Privacy Policy.