ID Certify Privacy Policy

Welcome to ID Certify (“ID Certify”, “we”, “our”, or “us”).

ID Certify is a digital identity verification, trust, reputation, and background intelligence platform that enables individuals, organizations, developers, and institutions to securely verify identities, manage digital credentials, conduct background checks, generate Trust Scores, and access identity intelligence services.

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you access or use our website, mobile applications, APIs, and related services (“Services”).

By using our Services, you agree to the collection and use of your information in accordance with this Privacy Policy.

Depending on the Services you use, we may collect the following categories of information.

2.1 Personal Information

This includes:

• Full name {First name, Middle name (optional) & last name}
• Date of birth
• Gender
• Nationality
• Phone number
• Email address
• Residential address
• Passport photograph
• Government-issued identification numbers
• Signature
• Employment details
• Educational information

2.2 Identity Verification Information

To provide verification services, we may collect:

• National Identity Number (NIN)
• Bank Verification Number (BVN)
• Passport information
• Driver's Licence details
• Voter Identification details
• Tax Identification Number (TIN)
• Utility bills
• Selfies or biometric images
• Business registration documents (for organizations)

2.3 Verification and Reputation Information

We may process information relating to:

• Identity verification results
• Trust Scores
• Risk Index
• Credibility Index
• Attestation records
• Background screening results
• Verification history
• Reputation history
• Credential validation status

2.4 Financial Information

Where applicable, we may collect:

• Wallet transactions
• Escrow transactions
• Verification payments
• Billing information
• Invoice records

ID Certify does not store complete debit or credit card information. Payments are securely processed through licensed third-party payment providers.

2.5 Device and Technical Information

We automatically collect:

• IP address
• Device identifiers
• Browser type
• Operating system
• Device model
• Log information
• Cookies
• Usage analytics
• Approximate location (where permitted)

We may receive information from trusted third parties, including:

• Government agencies
• Identity verification providers
• Credit bureaus
• Financial institutions
• Educational institutions
• Employers
• Regulatory authorities
• Sanctions and watchlist providers
• Fraud prevention services
• Authorized verification partners

We use your information to:

• Verify your identity
• Perform Know Your Customer (KYC) and Know Your Business (KYB) checks
• Conduct background screening
• Generate and maintain Trust Scores
• Process attestations
• Store verified credentials in BioBank
• Process payments and wallet transactions
• Detect and prevent fraud
• Improve platform security
• Provide customer support
• Respond to legal or regulatory requests
• Improve and develop our Services
• Enforce our Terms and Conditions

ID Certify uses automated systems to generate Trust Scores based on multiple verification signals.

These may include:

• Identity verification
• Employment verification
• Educational verification
• Financial credibility
• Reputation indicators
• Attestations
• Background checks
• Behavioural indicators

Trust Scores are dynamic and may change as new verified information becomes available.

A Trust Score is an informational assessment and should not be interpreted as a guarantee of a person’s character, reliability, or financial standing.

Where authorized by you or permitted by applicable law, ID Certify may conduct background checks, including:

• Identity verification
• Criminal record screening
• Employment verification
• Education verification
• Address verification
• Financial screening
• Regulatory and sanctions screening

Background checks are only conducted where there is an appropriate legal basis or user authorization.

Users may request or receive attestations from employers, educational institutions, licensed professionals, organizations, or other authorized parties.

Attestation records become part of the user’s verification and reputation history and may contribute to Trust Score calculations.

We may share your information with:

• Employers
• Financial institutions
• Government agencies
• Regulatory authorities
• Verification partners
• Payment service providers
• Educational institutions
• API customers authorized by you
• Professional advisers
• Service providers supporting our operations

We do not sell your personal information to third parties.

We retain your information only for as long as necessary to:

• Provide our Services
• Meet legal and regulatory obligations
• Resolve disputes
• Prevent fraud
• Maintain audit records
• Enforce our agreements

We employ industry-standard security measures designed to protect your information, including:

• Encryption of data in transit and at rest
• Secure cloud infrastructure
• Role-based access controls
• Multi-factor authentication
• Continuous security monitoring
• Audit logging
• Fraud detection systems
• Regular security assessments

Depending on applicable law, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Restrict processing
• Object to certain processing activities
• Request data portability
• Withdraw consent where processing is based on consent
• Lodge complaints with the appropriate data protection authority

Requests may be subject to legal or regulatory limitations.

We use cookies and similar technologies to:

• Maintain secure user sessions
• Authenticate users
• Improve website functionality
• Analyse platform performance
• Personalize user experience
• Detect fraudulent activity

Users may manage cookie preferences through their browser settings; however, disabling certain cookies may affect the functionality of the Services.

Our Services are not intended for individuals under the age of 16 unless expressly permitted by applicable law or used with the consent of a parent or legal guardian.

We do not knowingly collect personal information from children without appropriate legal authorization.

Our Services may integrate with third-party platforms, including payment processors, government databases, identity providers, and other verification services.

These third parties operate under their own privacy policies, and ID Certify is not responsible for their privacy practices.

We may update this Privacy Policy from time to time to reflect changes in our Services, legal requirements, or operational practices.

Where material changes are made, we will notify users through our platform, email, or other appropriate communication channels before the changes take effect.

Your continued use of the Services after the updated Privacy Policy becomes effective constitutes your acceptance of the revised policy.

If you have questions, concerns, or requests relating to this Privacy Policy or our handling of personal information, please contact us: