Privacy Policy
Your privacy matters to us. This policy explains how we collect, use, and protect your data.
Last updated: 7 August 2026
Introduction
ZoboLedger (“we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our WhatsApp-native bookkeeping service. We comply with the Nigeria Data Protection Regulation (NDPR) 2019.
What Information We Collect
Account Information
- WhatsApp phone number (required)
- Email address (optional, for account recovery)
- Business name
- Business sector and location
Identity Information (Encrypted)
- CAC registration number (for businesses)
- National Identification Number — NIN (for individuals)
- Tax Identification Number — TIN (if provided)
Transaction Data
- Transaction amounts and descriptions
- Receipt images (for OCR processing)
- Voice messages (transcribed for processing)
- Transaction categories and tax classifications
How We Use Your Information
To provide bookkeeping services and categorize your transactions
To generate tax-ready reports compliant with FIRS requirements
To compute tax liabilities (CIT, VAT, WHT) per Nigerian regulations
To send you daily reminders and monthly financial summaries
To improve our AI categorization and service quality
How We Protect Your Data
Enterprise-Grade Encryption
Sensitive identifiers (TIN, NIN, CAC numbers) are encrypted at the application level using AES-256 before they are stored. Encryption keys are managed securely in our production environment.
Secure Infrastructure
Your data is stored on secure cloud infrastructure with encryption at rest.
Access Controls
Only you can access your data. We enforce strict database access controls and row-level security so each account's records stay isolated from other users.
NDPR Compliant
We fully comply with the Nigeria Data Protection Regulation (NDPR) 2019.
We do not sell, rent, or share your personal information with third parties for marketing purposes. We only share data when:
- Required by law or regulatory authorities (e.g., FIRS audit requests)
- Necessary to provide our services (e.g., WhatsApp Business API, payment processors, secure cloud hosting and AI processing)
- You explicitly request us to share it (e.g., exporting reports)
Your Rights
Under NDPR, you have the right to:
Access Your Data
Request a copy of all data we have about you
Correct Your Data
Update or correct any inaccurate information
Delete Your Data
Request deletion of your account and all associated data
Withdraw Consent
Stop using our service and request data deletion at any time
To exercise these rights: Send “Delete My Data” to our WhatsApp bot to delete your account, or “My profile” to view your data. For other requests (access, correction, export), email support@zoboledger.com.
Data Retention
We retain your data for as long as your account is active or as needed to provide our services. For tax compliance purposes, we may retain certain financial records for up to 7 years as required by Nigerian tax law. You can request deletion of your data at any time, subject to legal retention requirements.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any significant changes via WhatsApp or email. The “Last updated” date at the top of this page indicates when the policy was last revised.
Contact
For privacy-related questions, contact us at support@zoboledger.com or via our WhatsApp bot.