PRIVACY POLICY
Effective Date: April 10, 2025
INTRODUCTION
Utilita (“we”, “our”, “us”) is a digital financial service platform operating under the Service Level Agreement (SLA) of Safe Haven Microfinance Bank — a duly licensed financial institution in Nigeria by the Central Bank of Nigeria (CBN).
This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our Android or iOS mobile application (“Utilita App”) or any of our services.
By using Utilita, you agree to the practices described in this Privacy Policy.
LEGAL & REGULATORY COMPLIANCE
Utilita operates under the financial license and regulatory framework provided by Safe Haven Microfinance Bank in compliance with applicable laws and financial regulations of Nigeria.
INFORMATION WE COLLECT
We may collect the following information when you register or use the Utilita App:
1. Personal Data
Full Name
Phone Number
Email Address
Date of Birth
Identification Documents (NIN, BVN, or any government-issued ID)
2. Financial Data
Bank Account Information
Transaction History
Wallet Balance
Payment Details
3. Device & Usage Data
Mobile Device Information
IP Address
App Usage Data
Location (With Consent)
HOW WE USE YOUR INFORMATION
We use your data to:
Provide and maintain our financial services.
Comply with regulatory requirements (KYC, AML).
Process payments and transactions.
Enhance customer support and experience.
Prevent fraud, unauthorized access, and security breaches.
Send you service-related updates or marketing (with consent).
DATA SHARING & THIRD-PARTY ACCESS
We may share your data:
With Safe Haven Microfinance Bank for regulatory compliance and transaction processing.
With third-party service providers such as payment processors, KYC verification companies, or analytics providers — under strict confidentiality agreements.
When legally required by regulatory authorities or law enforcement.
DATA SECURITY
We apply industry-standard security practices including:
Encryption of sensitive data.
Secure authentication systems.
Regular security monitoring and audits.
However, we encourage users to protect their login credentials and avoid sharing sensitive information publicly.
YOUR DATA RIGHTS
You have the right to:
Access or request your personal data.
Update or correct your information.
Request deletion of your data (subject to regulatory obligations).
Withdraw consent for marketing communications.
To exercise these rights, contact us at:
support@utilitaweb.com
COOKIES & TRACKING TECHNOLOGIES
We may use cookies and tracking technologies within the app to enhance user experience and analytics — subject to your consent.
THIRD-PARTY LINKS
Our app may contain links to third-party platforms or services. We are not responsible for their privacy practices and encourage you to read their respective policies.
CHANGES TO THIS PRIVACY POLICY
We reserve the right to update this Privacy Policy at any time. We will notify users via the Utilita App or registered email of any significant changes.
CONTACT US
For questions, complaints, or inquiries about this Privacy Policy:
Utilita Support Team
Email: support@utilitaweb.com
Phone: 07067374056
