Privacy Policy

1 Who We Are

Nairaseed ("we", "us", "our") operates the website nairaseed.com — Nigeria's personal finance and business media platform, providing investment guides, naira exchange rate data, immigration intelligence, and money insights for Nigerians at home and in the diaspora.

For the purposes of applicable data protection law, including Nigeria's Nigeria Data Protection Regulation (NDPR) 2019 and the Nigeria Data Protection Act (NDPA) 2023, Nairaseed is the Data Controller responsible for your personal data.

2 Information We Collect

We collect information in three ways: information you give us directly, information collected automatically when you visit our site, and information from third-party services.

2.1 Information You Provide Directly

2.2 Information Collected Automatically

When you visit nairaseed.com, our servers and third-party tools automatically collect:

• Log data: IP address, browser type, operating system, referring URL, pages visited, time and date of visit, time spent on pages
• Device data: Device type, screen resolution, language settings
• Cookies and similar technologies: See Section 5 for full details
• Exchange rate preferences: Currency preferences stored locally in your browser (not on our servers)

2.3 Information from Third Parties

We may receive aggregated, anonymised analytics data from Google Analytics and similar tools. We do not purchase personal data from data brokers.

3 How We Use Your Data

We use the information we collect for the following purposes:

• Deliver and improve our content — publishing articles, guides, and financial news relevant to Nigerian readers
• Newsletter delivery — sending the Nairaseed Weekly and occasional updates to subscribers who opted in
• Live exchange rate display — fetching and displaying Naira exchange rates (API calls are server-side; your IP is not shared with the rates API)
• Analytics and performance — understanding which content is most useful so we can improve the site
• Comment moderation — reviewing and publishing reader comments
• Responding to enquiries — replying to messages sent via our contact form
• Legal compliance — meeting obligations under Nigerian law and applicable regulations
• Security — detecting and preventing fraudulent or abusive activity

4 Legal Basis for Processing

Under the NDPA 2023 and NDPR 2019, we must have a lawful basis for processing personal data. Our lawful bases are:

Where we rely on consent, you may withdraw it at any time without affecting the lawfulness of processing before withdrawal. To withdraw newsletter consent, click "Unsubscribe" in any email we send you, or contact us at privacy@nairaseed.com.

5 Cookies & Tracking Technologies

We use cookies and similar technologies to operate the site and understand how it is used. Here is a breakdown:

Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Note that blocking strictly necessary cookies may break site functionality. For analytics opt-out, install the Google Analytics Opt-out Browser Add-on. For advertising cookies, visit Google Ad Settings.

Local Storage

We store your dark/light mode preference and reading history in your browser's localStorage. This data never leaves your device and is not accessible to us.

6 Third-Party Services

We use the following third-party services that may process data about site visitors:

We do not control these third parties' data practices. We encourage you to review their privacy policies before using features that interact with them.

7 Your Rights

Under the Nigeria Data Protection Act 2023 (NDPA) and the NDPR 2019, you have the following rights regarding your personal data:

To exercise any of these rights, email us at privacy@nairaseed.com with the subject line "Data Rights Request". We will respond within 30 days as required by the NDPA 2023. We may need to verify your identity before processing your request.

If you are dissatisfied with our response, you may lodge a complaint with the National Information Technology Development Agency (NITDA) — Nigeria's data protection authority — at nitda.gov.ng.

8 Data Retention

We retain personal data only for as long as necessary for the purpose it was collected, or as required by Nigerian law.

When data is no longer needed, we securely delete or anonymise it.

9 Children's Privacy

Nairaseed is a financial media platform intended for adults. Our content — covering investment, personal finance, business, and immigration — is directed at readers aged 18 and over.

We do not knowingly collect personal data from children under the age of 18. If you are a parent or guardian and believe your child has provided us with personal data, please contact us immediately at privacy@nairaseed.com and we will delete the information promptly.

10 International Data Transfers

Nairaseed is operated from Nigeria. However, some of our third-party service providers (including Google and Hostinger) process data on servers located outside Nigeria — including in the United States and the European Union.

Where personal data is transferred outside Nigeria, we ensure that appropriate safeguards are in place as required by the NDPA 2023, including:

• Using service providers with adequate data protection frameworks (e.g., EU-US Data Privacy Framework, Standard Contractual Clauses)
• Ensuring transfers are to countries with adequate data protection laws
• Obtaining your explicit consent where required

Google's data processing terms and applicable transfer mechanisms apply to data processed through Google Analytics and Google AdSense.

11 Security

We take the security of your personal data seriously and implement appropriate technical and organisational measures, including:

• HTTPS encryption on all pages — data transmitted to and from the site is encrypted in transit
• Server-side API key storage — sensitive keys (exchange rate API, newsletter API) are stored on the server and never exposed in page source
• WordPress security practices — nonce verification, input sanitisation, and regular updates
• Hostinger infrastructure security — managed by our hosting provider with physical and network-level protections
• Limited data access — only authorised staff can access personal data, on a need-to-know basis

No method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee absolute security. In the event of a data breach that is likely to result in a risk to your rights and freedoms, we will notify you and the relevant authorities as required by the NDPA 2023.

12 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Update the "Effective Date" at the top of this page
• Notify newsletter subscribers by email of significant changes
• Post a notice on our homepage where appropriate

We encourage you to review this policy periodically. Your continued use of nairaseed.com after any changes constitutes your acceptance of the updated policy.

13 Contact Us

If you have any questions about this Privacy Policy, want to exercise your data rights, or have a concern about how we handle your information, please get in touch: