AGRICTRAIL PRIVACY POLICY

This Privacy Policy explains how AgricTrail collects, uses, stores, protects, and shares your information when you use our platform. By using AgricTrail, you agree to the practices described in this Policy.

1. Who We Are

AgricTrail is operated by:

Together with its holding company and affiliates (including but not limited to AgricTrail Africa FZE), referred to as “AgricTrail,” “we,” “our,” or “us.” For data protection purposes, AgricTrail Trade Ltd acts as the Data Controller unless otherwise specified.

2. Scope of This Policy

This Policy applies to:

• www.agrictrail.africa
• app.agrictrail.africa
• Mobile applications
• Agriculture Passport (A-ID)
• Credibility Rating Score (CRS)
• Subscription and payment systems
• Partner and institutional integrations

3. Information We Collect

3.1 Personal Information

When you create an account or use the Platform, we may collect:

• Full name
• Phone number
• Email address
• National ID (where required)
• Farm location (GPS or descriptive)
• Profile photo
• Business registration details (if applicable)

3.2 Farm & Operational Data

• Crop types
• Livestock records
• Aquaculture records
• Production volumes
• Harvest cycles
• Input usage
• Budgeting data
• Yield records
• Financial projections

3.3 Financial & Subscription Data

• Subscription plan
• Payment status
• Transaction references
• Wallet records (if applicable)

Note: We do not store full debit/credit card numbers. Payments are processed by secure third-party providers.

3.4 CRS & Agriculture Passport Data

To generate your Credibility Rating Score (CRS) and Agriculture Passport (A-ID), we process:

• Historical production data
• Data completeness metrics
• Subscription tier indicators
• Verified institutional data
• Behavioral usage metrics

CRS is algorithmically generated and may change over time.

3.5 Device & Technical Data

• IP address
• Browser type
• Device identifiers
• Log data
• Usage analytics

4. How We Use Your Information

We use your information to:

• Create and manage your account
• Generate your A-ID and CRS
• Provide subscription-based features
• Enable budgeting and farm tools
• Improve platform performance
• Provide customer support
• Comply with legal obligations
• Detect fraud and misuse

We do not sell personally identifiable data to third parties.

5. Legal Basis for Processing

We process data based on:

• Contractual necessity (to provide services)
• Legal compliance
• Legitimate interests (platform improvement, fraud prevention)
• Consent (where required)

You may withdraw consent where processing relies solely on consent.

6. Data Sharing

We may share your data with:

6.1 Service Providers

• Payment processors
• Cloud hosting providers
• Analytics providers
• SMS/email service providers

These providers are contractually obligated to protect your data.

6.2 Financial Institutions & Partners

If you choose to share your Agriculture Passport:

• Lenders
• Insurance providers
• Export partners
• Donor organizations

We only share data when:

• You explicitly authorize it
• It is required for sponsored programs
• It is anonymized and aggregated

6.3 Legal Authorities

We may disclose data when required by law or court order.

7. Agriculture Passport Sharing

When you share your A-ID or CRS:

• Access may be time-limited
• You may revoke access where supported
• Third parties become responsible for their own data handling

AgricTrail is not responsible for how third parties use shared data after access is granted.

8. Donor & Sponsored Programs

If your access is sponsored:

• Donors may receive aggregated impact reports
• Individual data is shared only where permitted by program terms
• Sponsored access does not transfer ownership of your data

9. Data Retention

We retain data:

• As long as your account is active
• As required by regulatory obligations
• For fraud prevention and audit purposes

Upon account deletion:

• Identifiable data may be deleted or anonymized
• Some financial records may be retained as required by law

10. Data Security

We implement:

• Encryption in transit (HTTPS)
• Secure cloud infrastructure
• Role-based access controls
• Audit logs
• Webhook verification for payments
• Separation between payment processing and entitlement resolution

No system is 100% secure, but we use industry-standard safeguards.

11. Your Rights

Subject to applicable law, you may:

• Access your personal data
• Correct inaccurate data
• Request deletion
• Restrict processing
• Object to certain processing
• Request data portability

Requests may be sent to: admin@agrictrail.africa

12. Cross-Border Transfers

Data may be processed outside Nigeria where necessary. We ensure appropriate safeguards consistent with NDPA and international standards.

13. Children’s Privacy

AgricTrail is not intended for users under 18. We do not knowingly collect data from minors.

14. Automated Decision-Making

CRS and certain eligibility indicators are algorithmically generated. These are assistive tools and do not constitute formal banking credit ratings. You may request clarification of how your score was derived.

15. Changes to This Policy

We may update this Privacy Policy periodically. Continued use of the Platform constitutes acceptance of changes.

16. Contact Us

Email: admin@agrictrail.africa
Website: www.agrictrail.africa