Privacy Policy

1. Introduction

At Dogwood and Oaks, we are committed to protecting your personal data in compliance with the Nigeria Data Protection Act (NDPA) 2023 and applicable protection laws. By accessing our platform, or using our services, content, features, technologies or functions offered on our website, you accept to be bound by this Privacy Policy.

We may amend this Privacy Policy at any time by posting a revised version on our website, or placing such notice at conspicuous points at our office facilities.

Dogwood and Oaks is committed to protecting the privacy and security of your personal and financial information. This Privacy Policy explains how we collect, use, and safeguard your data in compliance with the Nigeria Data Protection Act (NDPA) 2023 and US financial privacy regulations, including the Gramm-Leach-Bliley Act (GLBA) 1999.

2. Consent

By accessing or using our website, purchasing our products or services, subscribing to our content, or otherwise interacting with Dogwood and Oaks, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and processing of your personal data in accordance with its terms. Where required by law, we will request your explicit consent before collecting or processing certain categories of personal data, including for marketing communications and the use of non-essential cookies.

You may withdraw your consent at any time by contacting us at contact@themoneywit.africa, without affecting the lawfulness of processing carried out prior to such withdrawal.

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date, and where appropriate, we will notify you via email or through a notice on our website. Continued use of our platform after such updates constitutes acceptance of the revised Privacy Policy.

3. Information We Collect

As a financial advisory firm, we collect such information but are not limited to:

• Personal Information: Name, email address, phone number
• Financial Preferences (non-sensitive): Interests in financial literacy, investments
• Payment Information (via third-party processors)
• Technical Data: IP address, browser type, device information
• Usage Data: Pages visited, time spent, interaction patterns

We use the data to:

• Provide financial education services
• Process payments and enrollments
• Send newsletters and updates
• Improve website functionality
• Comply with legal obligations

4. Legal Basis for Processing

Under the NDPA 2023, we process your data based on:

• Consent: Explicit permission you give us for specific services.
• Contractual Necessity: To provide the financial advisory services you requested.
• Legal Obligation: To comply with anti-money laundering (AML) and "Know Your Customer" (KYC) regulations.

5. How We Use Your Information

Your information received may be used in:

• Payment processors
• Email marketing platforms
• Analytics providers
• Providing personalized financial advice and investment strategies
• Processing transactions and maintaining account records
• Communicating updates, newsletters, or marketing (subject to your opt-out rights)
• Preventing fraud and ensuring the security of our platform

6. Data Sharing and Disclosure

We do not sell your personal information; however, we may share data with:

• Service Providers: Custodians, brokers, or technology partners who assist in delivering our services under strict confidentiality agreements.
• Regulatory Bodies: When required by law, for example the Nigeria Data Protection Commission (NDPC).
• Affiliates: To offer additional financial products, subject to your right to opt-out.

7. Your Rights and Choices

Nigeria (NDPA 2023 Rights):

• Right to Access/Portability: Receive a copy of your data in a structured format.
• Right to Rectification/Erasure: Correct or delete your personal data.
• Right to Object: Challenge automated decision-making or direct marketing.

United States (GLBA Rights):

• Opt-Out Rights: You have the right to direct us not to share your NPI with non-affiliated third parties for marketing.

8. Data Security and Retention

We implement robust technical measures, including encryption and multi-factor authentication (MFA), to protect your financial data. We retain your data only as long as necessary for business purposes or as required by financial record-keeping laws (typically 6–10 years).

9. International Transfers

Data collected in Nigeria may be processed in the US. We ensure such transfers comply with NDPA "adequacy" requirements through standard contractual clauses or other approved mechanisms.

10. Contact Information

For any privacy-related inquiries or to exercise your rights, contact our Data Protection Officer (DPO):

• Email: contact@themoneywit.africa
• Nigeria Regulator: You may also lodge complaints with the Nigeria Data Protection Commission (NDPC).