Effective Date: July 10, 2026
Introduction
This Privacy Policy explains how QAS Trust Ltd (“we,” “our,” “us”) collects, uses, and safeguards personal information provided by our customers and members (“you,” “your”) across our website, the QASPay mobile application, the SaveRite Cooperative, QAS Travels, and QAS Foundation.
By using our services, you consent to the practices outlined in this policy.
1. Information We Collect
1.1 Personal Data
- Name, email address, phone number, date of birth
- Residential address
1.2 Identity Data
- Bank Verification Number (BVN) and National Identity Number (NIN)
- Government-issued identification (e.g., National ID, International Passport, Driver’s License, Voter’s Card)
- Biometric data (Liveness Selfie, for identity verification)
1.3 Financial Data
- Transaction history and linked bank account details
- Income and employment details (where applicable)
- Credit history and credit scores (where applicable)
1.4 Cooperative Data (SaveRite)
- Contribution history and frequency
- Accrued dividends / Return on Savings (ROS)
- Cooperative loan history, creditworthiness, and repayment behavior
1.5 Transaction Information
- Loan or capital placement applications, payments, and other financial transactions
- Bill payment and QASPay wallet activity
1.6 Travel & Application Data (QAS Travels)
- Passport and international identification details
- Academic records, admission letters, and institution correspondence
- Visa application details and supporting documentation
- Travel itinerary and accommodation preferences
1.7 Foundation Data (QAS Foundation)
- Donor name, contact details, donation amount, and campaign preference (unless given anonymously)
- Volunteer application details, including location and area of interest
- Partner/sponsor organization details and proposal descriptions