Secure. Trusted. Digital Banking for Everyone.
Sddtif Thrift is a digital savings and lending app operated by Sddtif Thrive LTD, helping you manage your money safely and efficiently through modern banking tools.
Effective Date: [24/06/2025]
At Sddtif Thrift, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information when you use our online banking app (Sddtif Thrive LTD). By using the App, you consent to the practices described in this policy.
1. Information We Collect
We collect the following types of information when you register, use, or interact with our App:
a. Personal Information
Full name
Date of birth
Email address
Phone number
National ID, Passport, or BVN (as applicable)
Home address
Bank account information
b. Financial and Transaction Data
Account balances
Transaction history
Deposit and withdrawal records
Loan requests and repayment history
c. Technical and Usage Information
IP address
Device information (type, model, OS)
Location data (if enabled)
App usage statistics
Cookies and similar tracking technologies
2. How We Use Your Information
We use your information for the following purposes:
To provide and manage your account
To process transactions and provide financial services
To improve user experience and app performance
To send important notifications (e.g., transaction alerts, security updates)
To comply with regulatory and legal obligations
To detect and prevent fraud or unauthorized access
For customer support and dispute resolution
3. Sharing Your Information
We do not sell your personal information. We may share your data only in the following circumstances:
With service providers who help operate the app (e.g., payment processors, cloud storage providers)
With regulatory and law enforcement agencies when required by law
With financial institutions or partners involved in your transactions
In the event of a business merger, acquisition, or restructuring
4. Data Protection and Security
We implement strong administrative, technical, and physical safeguards to protect your information:
End-to-end encryption for data transmission
Secure servers and firewalls
Two-factor authentication (2FA)
Regular security audits and vulnerability testing
5. Your Rights and Choices
You have the right to:
Access and update your personal information
Request deletion of your account and data
Withdraw consent for non-essential data processing
File a complaint with a data protection authority if you believe your rights are violated
You can manage your privacy settings within the App or by contacting us directly.
6. Cookies and Tracking
We may use cookies or similar technologies to personalize your experience and monitor App performance. You may disable cookies in your device settings, though some features may not function properly as a result.
7. Children’s Privacy
Our App is not intended for use by individuals under the age of 18. We do not knowingly collect information from minors.
8. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will notify you through the App or via email. Continued use of the App after changes means you accept the revised policy.
9. Contact Us
If you have questions or concerns about this Privacy Policy, contact us at:
Sddtif Thrift Support Team
Email: [contact@sddtifthrive.com]
Phone: [+2348022252949]
Address: [Ajetunmobi avenue Sakura aiyepe road sagamu ogun State Nigeria ]
Effective Date: [24/06/2025]
These Terms of Service (“Terms”) govern your access to and use of the Sddtif Thrift Online Banking App (“App”) and all related services provided by Sddtif Thrift (our).
By downloading, registering, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
1. Eligibility
To use this App, you must:
Be at least 18 years old
Have the legal capacity to enter into binding agreements
Provide accurate and complete registration information
We reserve the right to decline or terminate access if any information is found to be false, misleading, or incomplete.
2. Account Registration and Security
You agree to:
Provide accurate and truthful information
Keep your login credentials secure
Notify us immediately of any unauthorized access to your account
Not share your login information with others
We are not liable for any loss resulting from unauthorized use of your account.
3. Use of Services
The App allows you to:
Open and manage a thrift savings account
View transaction history and account statements
Request loans or withdrawals (based on eligibility)
Transfer funds to other users or bank accounts
Access support and other digital banking tools
You agree to use the App only for lawful purposes and in compliance with all applicable laws and regulations.
4. Fees and Charges
Some services may be subject to processing fees or service charges, which will be clearly disclosed. By using such services, you agree to the associated fees. All fees are non-refundable unless otherwise stated.
5. Loan Terms (if applicable)
By applying for loans via the App, you agree to:
Repay the full amount according to the agreed terms
Pay any applicable interest or service charges
Permit deductions from your account to settle outstanding debts
Failure to repay may result in account suspension, reporting to credit bureaus, or legal action.
6. User Conduct
You must not:
Use the App for fraudulent or illegal activities
Introduce viruses, malware, or harmful code
Tamper with or reverse-engineer the App’s software
Harass or abuse other users or our support team
We reserve the right to suspend or terminate accounts violating these terms.
7. Privacy
Your use of the App is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your data.
8. Intellectual Property
All content, logos, software, and trademarks are owned by Sddtif Thrift or its licensors. You may not reproduce, copy, or distribute any part of the App without written permission.
9. Disclaimers
We provide the App on an “as-is” and “as-available” basis. While we strive to provide a reliable service, we do not guarantee:
That the App will be uninterrupted or error-free
That data will not be lost or compromised
That transactions will be completed under all circumstances
We are not responsible for losses resulting from system outages, technical failures, or events beyond our control.
10. Limitation of Liability
To the extent permitted by law, Sddtif Thrift shall not be liable for:
Any indirect, incidental, or consequential damages
Loss of funds due to user negligence
Unforeseen technical errors or downtime
11. Termination
We may suspend or terminate your access if:
You breach any part of these Terms
You engage in suspicious or fraudulent activity
You request account closure
You may also terminate your account by contacting support, subject to clearing any outstanding debts.
12. Amendments
We may update these Terms from time to time. Changes will be communicated via the App or email. Continued use after changes implies your acceptance of the revised terms.
13. Governing Law
These Terms are governed by the laws of [Nigeria ]. Any disputes will be resolved in the courts of laws.
14. Contact Information
For questions or concerns about these Terms, contact us at:
Sddtif Thrift Support Team
Email: [contact@sddtifthrive.com]
Phone: [+2348022252949]
Address: [Ajetunmobi avenue Sakura aiyepe road sagamu ogun State Nigeria ]