Privacy Policy

1. Information We Collect

Depending on how you interact with Mojeaga Network, we may collect the following categories of information:

A. Personal Information
This may include:

• Full name
• Date of birth
• Gender (where voluntarily provided)
• Residential and mailing address
• Email address
• Telephone number
• Passport photograph or profile image
• Government-issued identification for KYC verification
• National Identification Number (NIN), Bank Verification Number (BVN), Tax Identification Number (TIN), or equivalent identification where legally required
• Distributor identification number

B. Business Information
For distributors, stockists, and business partners, we may collect:

• Sponsor details
• Upline and downline genealogy
• Sales performance
• Personal Volume (PV)
• Rank and qualification history
• Commission records
• Incentive and reward history
• Business activity reports

C. Financial Information
Where necessary to process payments or commissions, we may collect:

• Bank name
• Bank account number
• Account holder’s name
• Payment history
• Wallet balances
• Withdrawal requests
• Transaction references

Mojeaga Network does not intentionally store complete debit or credit card details unless required for a specific payment service and permitted by law.

D. Technical Information
When you access our website or applications, we may automatically collect:

• IP address
• Device information
• Browser type
• Operating system
• Time zone
• Device identifiers
• Pages visited
• Referral sources
• Website usage statistics
• Login timestamps

2. How We Use Your Information

We use your information to:

• Create and manage distributor accounts
• Verify identity and comply with KYC requirements
• Process product orders
• Deliver products and services
• Calculate commissions and bonuses
• Process withdrawals and payments
• Provide customer support
• Improve our products and services
• Monitor compliance with Company policies
• Detect fraud and unauthorized activity
• Conduct internal analytics
• Meet legal and regulatory obligations
• Communicate important business updates
• Deliver training and educational content

We will only process personal information for lawful, legitimate, and transparent purposes.

3. Cookies

Our website uses cookies and similar technologies to improve user experience. Cookies may be used to:

• Keep users signed in
• Remember preferences
• Improve website functionality
• Measure website performance
• Analyze visitor behavior
• Detect fraudulent activity
• Enhance security

Users may disable cookies through their browser settings; however, doing so may affect certain website features and functionality.

4. Payment Information

Payments made through Mojeaga Network may be processed by approved third-party payment providers. We may retain limited payment-related information necessary for:

• Commission processing
• Refunds
• Order verification
• Financial reporting
• Fraud prevention
• Regulatory compliance

Sensitive payment credentials are handled by secure payment processors and are not intentionally stored by Mojeaga Network except where legally permitted and operationally necessary.

5. Marketing Communications

We may contact users regarding:

• Company announcements
• Product launches
• Promotions
• Distributor training
• Events and webinars
• Business opportunities
• Newsletters
• Incentive programs

Users may opt out of promotional communications at any time by:

• Clicking the unsubscribe link in emails;
• Updating communication preferences in their account settings; or
• Contacting the Company directly.

Operational, transactional, legal, compliance, and security-related communications may still be sent where necessary.

6. Third-Party Services

We may engage trusted third-party service providers to assist with:

• Payment processing
• Shipping and logistics
• Identity verification
• Email and SMS delivery
• Cloud hosting
• Data storage
• Website analytics
• Customer support
• Fraud detection
• Business intelligence

These providers are required to process personal information only for authorized purposes and to implement appropriate security measures. Where personal information is transferred outside Nigeria, we will take reasonable steps to ensure that such transfers comply with applicable law and are protected by appropriate contractual or legal safeguards.

7. Children's Privacy

Mojeaga Network services are intended for individuals who have reached the legal age to enter into binding contracts in their jurisdiction. We do not knowingly collect personal information from children. If we become aware that personal information has been collected from a child without appropriate authorization, we will take reasonable steps to delete such information promptly. Parents or guardians who believe that a child has provided personal information may contact us to request its removal.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, disclosure, alteration, loss, or destruction. Our security measures may include:

• Secure Socket Layer (SSL/TLS) encryption
• Password hashing
• Multi-factor authentication for administrative accounts
• Role-based access controls
• Firewalls
• Server monitoring
• Routine security updates
• Secure backup procedures
• Activity logging
• Employee confidentiality obligations

While we strive to protect personal information, no method of electronic transmission or storage is completely secure. Accordingly, we cannot guarantee absolute security.

9. User Rights

Subject to applicable law, users may have the right to:

• Access their personal information
• Request correction of inaccurate information
• Request deletion of personal information where legally permissible
• Restrict or object to certain processing activities
• Withdraw consent where processing is based on consent
• Request a copy of their personal information in a portable format where applicable
• Lodge a complaint with the appropriate data protection authority

Requests will be handled within the timeframes required by applicable law, subject to lawful exemptions.

10. Data Retention

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

• Provide our services
• Maintain distributor records
• Process commissions
• Resolve disputes
• Enforce contractual obligations
• Meet legal, accounting, audit, and tax requirements
• Detect and prevent fraud

When personal information is no longer required, it will be securely deleted, anonymized, or otherwise disposed of in accordance with our records retention procedures and applicable law.

11. Disclosure of Information

We do not sell personal information. We may disclose personal information only:

• To authorized service providers performing services on our behalf;
• To financial institutions or payment processors to complete transactions;
• To logistics providers for order fulfillment;
• To professional advisers, auditors, insurers, or regulators where necessary;
• To law enforcement or government authorities where required by law or lawful request;
• In connection with a merger, acquisition, corporate restructuring, or sale of assets, subject to appropriate confidentiality obligations.

12. Changes to This Privacy Policy

Mojeaga Network may amend this Privacy Policy from time to time to reflect legal, regulatory, operational, or technological changes. Updated versions will be published on the Company’s official website and will take effect on the stated effective date. Continued use of our services after publication constitutes acceptance of the revised Policy, where permitted by law.

13. Contact Information

Questions, concerns, or requests relating to this Privacy Policy or the processing of personal information may be directed to:

Where required under applicable law, complaints may also be submitted to the relevant data protection authority.