Privacy Notice

This Privacy Notice explains how Navig Finance collects, uses, stores, shares, and protects personal data when users create an account, use the platform, buy credits, contact support, or use stock analysis tools.

Navig Finance aims to handle personal data fairly, lawfully, transparently, securely, and only for clear purposes.

1. Who we are

Navig Finance is the controller of personal data collected through the platform.

Controller: Navig Finance

Email: privacy@navigfinance.com

Address: Nigeria

2. Personal data we collect

Navig Finance may collect the following personal data.

Account data:

• first name;
• email address;
• authentication ID;
• account creation date;
• login/session information.

Navig Finance does not store plaintext passwords. Password handling is managed through the authentication provider.

Profile and onboarding data:

• entry type;
• risk tolerance;
• time horizon;
• investing goal;
• investing experience;
• sectors of interest;
• investing identity;
• learning or research preferences.

Analysis and usage data:

• stocks or companies analysed;
• user-entered financial values;
• analysis history;
• credits used;
• dashboard activity;
• saved or generated research;
• feature usage and interactions.

Payment and credit data:

• payment reference;
• payment status;
• amount paid;
• credit package selected;
• credit balance;
• credit ledger/history;
• payment provider metadata.

Navig Finance does not store full card details. Payment processing is handled by Paystack or another approved payment provider.

Support and communication data:

• name;
• email address;
• message content;
• screenshots or files provided by the user;
• support history.

Technical data:

• device type;
• browser type;
• IP address;
• approximate location derived from technical data;
• error logs;
• security logs;
• cookies or similar technologies;
• pages visited;
• date and time of activity.

Marketing preference data:

If Navig Finance later offers newsletters or educational updates, we may collect whether the user opted in or opted out.

Marketing consent should be optional and separate from account creation.

3. Information we may ask for later

As Navig Finance grows, we may ask for additional information where relevant, such as:

• phone number for support, verification, or account recovery;
• business or professional category;
• support preferences;
• consent to receive educational updates;
• verification information where required for fraud prevention, legal compliance, payment security, or account protection.

Navig Finance will not collect additional information unless there is a clear reason.

4. Why we use personal data

Navig Finance may use personal data to:

• create and manage user accounts;
• authenticate users;
• provide stock analysis and educational tools;
• personalise analysis experience;
• show investor-fit and reflection prompts;
• process payments and credits;
• prevent fraud, abuse, and security risks;
• provide support;
• improve platform performance;
• send service messages;
• send marketing or educational updates where permitted;
• comply with legal obligations;
• keep records for audit, dispute resolution, and security.

5. Lawful basis for processing

Depending on the purpose, Navig Finance may rely on:

• contract, to provide the platform, account, analysis tools, credits, and support;
• consent, for optional marketing or optional data uses;
• legitimate interest, to improve the service, prevent fraud, secure the platform, and understand usage;
• legal obligation, to comply with applicable laws, accounting, tax, payment, fraud-prevention, or dispute obligations.

6. AI-assisted features

Navig Finance may use AI-assisted systems to explain financial information in plain language.

AI outputs are educational and may be imperfect.

Navig Finance may process selected company data, user inputs, and prompts through AI-related infrastructure to generate explanations.

Navig Finance does not use AI outputs to approve or deny loans, investments, financial products, or regulated services.

7. Who we share personal data with

Navig Finance may share personal data with trusted service providers that help operate the platform, such as:

• authentication providers;
• database and hosting providers;
• payment providers such as Paystack;
• email delivery providers;
• analytics providers;
• customer support tools;
• AI infrastructure providers;
• legal, accounting, compliance, or security advisers;
• regulators or law enforcement where legally required.

Navig Finance does not sell personal data.

8. Payments

When a user pays for credits, Paystack or another payment provider may collect and process payment information.

The payment provider’s own privacy terms may also apply.

Navig Finance receives payment confirmation information such as transaction reference, amount, status, and credit package, but not full card details.

9. International transfers

Some service providers may process data outside Nigeria.

Where personal data is transferred internationally, Navig Finance will take reasonable steps to use appropriate safeguards in line with applicable data protection requirements.

10. Cookies and similar technologies

Navig Finance may use cookies or similar technologies for:

• login sessions;
• security;
• remembering preferences;
• analytics;
• platform performance;
• improving user experience.

Where required, Navig Finance will request consent for non-essential cookies.

11. How long we keep data

Navig Finance keeps personal data only for as long as necessary for the purpose for which it was collected, including legal, accounting, security, payment, dispute, and operational purposes.

Indicative retention:

• account data: while the account is active;
• payment and credit records: as needed for accounting, audit, tax, fraud prevention, and dispute records;
• support messages: as long as needed to resolve issues and maintain service records;
• logs and security records: for a limited period needed for security and debugging;
• marketing consent records: while relevant or until withdrawn.

Navig Finance may keep anonymised or aggregated data that no longer identifies a user.

12. How we protect data

Navig Finance uses reasonable technical and organisational measures to protect personal data, including:

• access controls;
• authentication systems;
• database security rules;
• payment verification;
• audit records;
• secure service providers;
• monitoring and logging;
• restricted admin access.

No online service can guarantee absolute security, but Navig Finance works to reduce risk.

13. User privacy rights

Subject to applicable law, users may have rights to:

• be informed about how their data is used;
• access their personal data;
• correct inaccurate data;
• object to certain processing;
• restrict processing;
• request deletion;
• request data portability;
• withdraw consent where processing is based on consent;
• object to certain automated decision-making;
• lodge a complaint with the relevant data protection authority.

14. How to exercise privacy rights

To make a privacy request, contact:

Email: privacy@navigfinance.com

Subject: Privacy Request

Navig Finance may need to verify the user’s identity before acting on a request.

15. Marketing communications

Navig Finance will not send marketing messages unless there is a lawful basis to do so.

Where Navig Finance relies on consent, the user may withdraw consent at any time.

Service messages, such as payment confirmations, security alerts, or account updates, are not marketing messages.

16. Children and minors

Navig Finance is intended for users who can lawfully manage an account and understand financial education content.

If Navig Finance becomes aware that it has collected personal data from a child without appropriate consent, it may delete the information or restrict the account.

17. Changes to this Privacy Notice

Navig Finance may update this Privacy Notice as the platform grows or legal requirements change.

If changes are material, Navig Finance may take reasonable steps to notify users.

18. Complaints

If a user believes their privacy rights have been violated, they may contact Navig Finance first so the issue can be reviewed.

Users may also contact the relevant Nigerian data protection authority.

19. Contact

For privacy questions, contact:

Email: privacy@navigfinance.com

Business name: Navig Finance

Address: Nigeria