Privacy Policy

Last updated: This is a general template and should be reviewed and adapted to reflect the actual data practices of AfriCapital AI before publication.

1. Introduction

AfriCapital AI ("we", "us", or "our") provides predictive risk management and capital protection tools for freelancers and independent contractors. This Privacy Policy describes how we collect, use, disclose, and protect information obtained through our website and related services (the "Services"). By accessing or using the Services, you agree to the terms described in this policy.

2. Information We Collect

We may collect the following categories of information when you interact with our Services:

• Contact information — such as your name, email address, and phone number when you submit an inquiry or request analysis.
• Account and usage data — information about how you use the Services, including pages visited, features accessed, and interaction timestamps.
• Business and financial inputs — data you voluntarily provide for the purpose of receiving risk assessments or predictive analysis, such as invoicing patterns or contract details.
• Technical data — IP address, browser type, device identifiers, and cookie data collected automatically through standard web technologies.
• Communications — records of correspondence you have with us, including support requests and feedback.

3. How We Use Information

Information collected is used for purposes that may include:

• Providing, operating, and maintaining the Services.
• Generating risk assessments and predictive insights requested by users.
• Responding to inquiries, support requests, and other communications.
• Improving the functionality, security, and usability of our website and Services.
• Complying with applicable legal obligations and enforcing our terms.

4. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to remember preferences, understand usage patterns, and improve overall functionality. You can control cookie behavior through your browser settings; however, disabling cookies may limit certain features of the Services.

5. How We Share Information

We do not sell personal information. We may share information in limited circumstances, including:

• Service providers — third parties who assist in operating our website, processing data, or delivering services on our behalf, under confidentiality obligations.
• Legal compliance — where disclosure is required to comply with applicable law, regulation, legal process, or governmental request.
• Business transfers — in connection with a merger, acquisition, or sale of assets, subject to reasonable confidentiality safeguards.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to delete or anonymize it.

7. Data Security

We implement reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your location and applicable law, you may have rights regarding your personal information, which may include the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to legal exceptions.
• Object to or restrict certain processing activities.
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us using the details provided on our Contact page.

9. Third-Party Links

Our Services may contain links to third-party websites or services that are not operated by us. This Privacy Policy does not apply to such third-party sites, and we encourage you to review their respective privacy policies.

10. Children's Privacy

Our Services are intended for use by adults operating as freelancers or independent contractors and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

11. International Data Transfers

Depending on how you access our Services, your information may be transferred to, stored, and processed in a country other than your country of residence. Where such transfers occur, we aim to take reasonable steps to ensure appropriate safeguards are applied.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. Any updates will be posted on this page with a revised "Last updated" notice. Continued use of the Services after changes are posted constitutes acceptance of the revised policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please reach out via the details listed on our Contact page.

This Privacy Policy is provided as a general template for informational purposes and does not constitute legal advice. AfriCapital AI recommends consulting a qualified professional to ensure this policy aligns with applicable laws and the specific practices of the business.