1. Information We Collect
We collect information necessary to operate a B2B food and agricultural trade platform.
1.1 Information You Provide
When you register or use the Platform, we may collect:
- Full name
- Phone number
- Email address
- Business name and address
- Business registration details (if applicable)
- Bank Verification Number (BVN) — for business verification
- Government-issued identification (where required)
- Profile information
- Communications with Fudio
1.2 Business & Transaction Information
- Order history
- Product listings and pricing data
- Payment records
- Delivery information
- Credit profile and repayment history
1.3 Payment Information
Each verified retailer is assigned a dedicated payment account. We may collect:
- Bank account details
- Payment confirmations
- Transaction references
- Associated financial records
1.4 Automatically Collected Data
We may automatically collect:
- Device information
- IP address
- Usage activity and log data
- Cookies and similar technologies
2. Why We Collect Your Data
We collect personal and business data to:
- Verify business identities
- Create dedicated payment accounts
- Process and manage orders
- Administer trade credit
- Facilitate logistics
- Detect and prevent fraud
- Improve and secure the Platform
- Comply with legal and regulatory obligations
3. Legal Basis for Processing
Under applicable law, we process personal data based on:
Contract Performance
To provide Platform services you have signed up for.
Legal Obligation
To comply with financial regulations, AML laws, and tax requirements.
Legitimate Interests
To improve the Platform, detect fraud, and operate our business.
Consent
Where required by law, we will ask for your explicit consent.
4. Credit Profiling & Financial Data
Where credit facilities are extended:
- We create a digital credit profile for your business
- We track repayment behaviour and history
- We assess eligibility and risk over time
6. Data Retention
We retain personal and business data for as long as necessary to:
- Provide our services
- Maintain trade and transaction records
- Enforce agreements and resolve disputes
- Comply with legal and regulatory obligations
Credit and financial records may be retained beyond account termination where legally required.
7. Data Security
We implement appropriate technical and organisational safeguards to protect your data, including:
- Access controls and role-based permissions
- Encryption where appropriate
- Secure infrastructure and monitoring
8. Your Rights (Under NDPA)
Subject to applicable law, you have the following rights regarding your personal data:
Right of Access
Request a copy of the personal data we hold about you.
Right to Rectification
Request correction of inaccurate or incomplete data.
Right to Erasure
Request deletion of your data where legally permissible.
Right to Object
Object to certain types of processing, including profiling.
Withdraw Consent
Where processing is based on consent, you may withdraw it at any time.
Lodge a Complaint
File a complaint with the Nigeria Data Protection Commission (NDPC).
10. Cross-Border Transfers
If personal data is transferred outside Nigeria or your country of residence, we will ensure that appropriate safeguards are in place consistent with the NDPA 2023 and other applicable law, including standard contractual clauses or equivalent measures.
11. Children's Privacy
The Platform is intended exclusively for business use by adults. We do not knowingly collect personal data from individuals under 18 years of age. If you believe we have inadvertently collected such data, please contact us and we will delete it promptly.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. Continued use of the Platform after updates constitutes acceptance of the revised Policy.
We will notify users of material changes through the Platform or by email where appropriate.
13. Contact Us
For questions about this Privacy Policy, data requests, or to exercise your rights:
General & Data Requests
hello@fudio.coCompany
Fudio Commerce Technologies Limited, NigeriaThis Privacy Policy was last updated on February 19, 2026. It is aligned with the Nigeria Data Protection Act (NDPA) 2023. For questions, email hello@fudio.co.