Privacy Policy

1. Introduction

At xello, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

By using xello, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Information You Provide

We collect information you provide directly:

• Account registration data (name, email, phone number)
• Verification information (BVN, NIN)
• Profile information and photos
• Listing content (descriptions, photos, prices)
• Messages and communications with other users
• Subscription information (for premium plan subscribers)
• Feedback, ratings, and reviews

2.2 Information Collected Automatically

• Device information (IP address, browser type, operating system)
• Usage data (pages viewed, time spent, clicks)
• Location data (if you enable location services)
• Camera data (for face verification, identity verification, and video communication features with your explicit permission)
• Cookies and similar tracking technologies

2.3 Information from Third Parties

• Social media profile data (if you sign in via social login)
• Verification data from government databases (BVN/NIN)

3. How We Use Your Information

We use collected information for:

• Providing, maintaining, and improving our services
• Managing your listings and connecting you with buyers/sellers
• Verifying your identity and preventing fraud
• Communicating with you about your account and listings
• Sending promotional materials (you can opt out anytime)
• Analyzing usage patterns to improve user experience
• Enforcing our Terms of Service and policies
• Complying with legal obligations
• Resolving disputes and providing customer support

4. Information Sharing and Disclosure

We may share your information with:

Other Users:

Your public profile, listings, and reviews are visible to other users. Messages are visible to participants in the conversation.

Service Providers:

Third-party companies that help us operate (hosting providers, analytics services, email services).

Law Enforcement:

When required by law or to protect rights, property, or safety of xello, our users, or others.

Business Transfers:

If xello is involved in a merger, acquisition, or sale of assets, your information may be transferred.

With Your Consent:

We may share information with third parties when you give us permission.

5. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption of sensitive data in transit and at rest
• Regular security audits and penetration testing
• Secure authentication and access controls
• AI-powered fraud detection systems
• Regular staff training on data protection

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Your Privacy Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Opt-out: Unsubscribe from marketing communications
• Data Portability: Request your data in a machine-readable format
• Object: Object to certain processing of your data

To exercise these rights, contact us at hello@xello.ng or through your account settings.

7. Data Retention

We retain your information for as long as necessary to provide services and comply with legal obligations:

• Active account data: Retained while your account is active
• Transaction records: Retained for 7 years for tax and legal purposes
• Messages and chats: Retained for 2 years for dispute resolution
• Deleted accounts: Some data retained for 30 days for recovery, then permanently deleted

8. Cookies and Tracking

We use cookies and similar technologies to:

• Keep you signed in
• Remember your preferences
• Understand how you use our platform
• Show you relevant content and ads

You can control cookies through your browser settings. However, disabling cookies may limit functionality.

9. Children's Privacy

xello is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe a child has provided us with personal information, contact us immediately and we will delete it.

10. International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page and updating the "Last updated" date.

Your continued use of xello after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions about this Privacy Policy or our data practices, contact us: