Welcome to Gocente. Your privacy is important to us. This Privacy Policy describes how Sproutvest Group Ltd ("Gocente," "we," "us," or "our") collects, uses, shares, and protects personal information when you visit our website www.sproutpay.net or use any of our payment or savings services (the "Services").

Gocente is a financial technology platform that offers online payment aggregation, virtual cards, and online savings products in partnership with licensed financial institutions.

By accessing or using our Services, you acknowledge and accept the practices described in this Privacy Policy.

1. Information We Collect

We collect the following categories of information:

a. Personal Information

• • Full name
• • Contact details (email, phone number)
• • Address (residential or business)
• • Date of birth
• • National ID, passport, or other government-issued identification
• • Photograph or biometric data (where applicable for KYC purposes)

b. Financial and Transaction Data

• • Bank account or card information
• • Transaction history (deposits, withdrawals, payments, savings)
• • Virtual card details
• • Payment methods and processing data

c. Technical Information

• • IP address
• • Device type, operating system, and browser type
• • Location data (with your consent)
• • Cookies and usage tracking data

2. How We Use Your Information

We use your data to:

• • Verify your identity and meet Know-Your-Customer (KYC) and Anti-Money Laundering (AML) obligations
• • Provide and improve our payment and savings services
• • Facilitate and record financial transactions
• • Respond to customer inquiries and provide support
• • Send important service updates, security alerts, and administrative messages
• • Comply with legal and regulatory obligations
• • Detect, prevent, and investigate fraud or unauthorized activities
• • Market new features or services (with your consent)

3. Legal Basis for Processing (where applicable)

If you are located in a jurisdiction that requires it (e.g., the EU, Nigeria), our legal basis for processing your personal data may include:

• • Your consent
• • Performance of a contract with you
• • Compliance with legal obligations
• • Our legitimate interest (e.g., fraud prevention, service improvement)

4. Sharing Your Information

We may share your information with:

• • Licensed financial institutions that provide regulated services through our platform
• • Service providers who support operations such as KYC, identity verification, cloud hosting, and analytics
• • Regulators or law enforcement agencies, where required by law
• • Other users, if you authorize a transaction that involves their information
• • Successors or acquirers in the event of a corporate restructuring, merger, or acquisition

We do not sell your personal data to third parties.

5. Cookies and Tracking

Gocente uses cookies and similar tracking tools to enhance user experience, remember preferences, and analyze performance. You may adjust your browser settings to block cookies, but some features of the Services may not function properly.

6. Data Security

We use appropriate administrative, technical, and physical safeguards to protect your personal data. These include:

• • End-to-end encryption of sensitive data
• • Secure server infrastructure
• • Access controls and regular audits
• • Two-factor authentication for user accounts (where applicable)

While we strive to protect your data, no method of transmission or storage is 100% secure.

7. Data Retention

We retain your data for as long as necessary to:

• • Deliver services
• • Meet legal and regulatory requirements
• • Resolve disputes or enforce agreements

When data is no longer needed, it is securely deleted or anonymized.

8. International Transfers

As Gocente operates in multiple jurisdictions, your personal information may be transferred to and processed in countries outside of your own including countries where our partners operate. We ensure that such transfers comply with applicable data protection laws.

9. Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

• • Access your personal data
• • Correct or update your information
• • Delete or restrict certain uses of your data
• • Withdraw consent where processing is based on consent
• • Object to processing based on legitimate interests
• • Request data portability

To exercise these rights, please contact us using the details below.

10. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that a child has provided us with information, we will delete it promptly.

11. Updates to This Policy

We may revise this Privacy Policy from time to time. If we make material changes, we will notify you by updating the date and, where appropriate, providing notice through the platform or via email.

12. Contact Us