Privacy Policy

1. Introduction

GreatCallie International Ltd ("SettleMe", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains what personal information we collect, how we use it, and your rights regarding that information when you use the SettleMe mobile application and website ("the Platform").

2. Information We Collect

Category	What We Collect	Why
Account Information	Full name, email address, phone number	To create and manage your account
Case Details	Your account of events, settlement goal, dispute category	To process and mediate your dispute
Evidence Files	Photos, documents, audio recordings you upload	To support your mediation case
Communications	Messages sent within the mediation chat	To facilitate mediation between parties
Payment Information	Confirmation that payment was made (we do not store card or bank account details)	To confirm your case fee before proceeding
Device Information	Device type, OS version, push notification token	To deliver app notifications and improve performance
Sign-In Data	Google or Apple account ID (if you use social sign-in)	To authenticate your identity

3. How We Use Your Information

• To verify your identity and manage your account.
• To process, assign, and facilitate mediation of your dispute.
• To communicate with you about your case via in-app notifications and push notifications.
• To send formal mediation invitations to the other party in your dispute.
• To generate AI-assisted case analysis to assist our mediators (not for automated decision-making).
• To improve and maintain the Platform.
• To comply with our legal obligations under Nigerian law.

4. Sharing Your Information

We do not sell your personal information. We share your information only in the following circumstances:

• With the other party in your dispute — your name and relevant case details are shared with the counterparty and the assigned mediator as part of the mediation process.
• With our mediators — certified mediators assigned to your case will review all submitted information.
• With service providers — we use Firebase (Google) for database, storage, and authentication. These providers process data on our behalf and are bound by data processing agreements.
• When required by law — we may disclose information if required by a Nigerian court order or lawful authority.

5. Data Retention

We retain your case data for a minimum of 5 years after a case is closed, in line with standard records retention practice and in case the transcript is needed for subsequent legal proceedings. Account data is retained for as long as your account is active.

If you delete your account, your personal account information is removed. Case records may be retained in anonymised form for legal and audit purposes.

6. Data Security

We take data security seriously. Your data is stored on Google Firebase infrastructure, which employs industry-standard encryption at rest and in transit. Access to case data is restricted to assigned mediators and authorised SettleMe administrators.

However, no system is 100% secure. If you become aware of any security concern, please contact us immediately.

7. Your Rights

Under applicable Nigerian data protection law (NDPR), you have the right to:

• Access — request a copy of the personal data we hold about you.
• Correction — request that inaccurate data be corrected.
• Deletion — request deletion of your account and personal data (subject to our retention obligations).
• Objection — object to certain processing of your data.

To exercise any of these rights, contact us at support@settleme.ng.

8. Children's Privacy

SettleMe is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has registered, we will delete their account immediately.

9. Third-Party Services

The Platform uses the following third-party services, each governed by their own privacy policies:

• Google Firebase — authentication, database, storage, push notifications
• Google Sign-In — optional social authentication
• Apple Sign-In — optional social authentication (iOS only)

10. Push Notifications

We send push notifications to keep you informed about your case (e.g., new messages, status updates, payment confirmations). You can disable these in your device settings at any time, though this may affect your ability to follow case progress in real time.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes within the app. Continued use of the Platform after changes are posted constitutes acceptance of the updated Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding your privacy, please contact:

GreatCallie International Ltd
Email: support@settleme.ng
Platform: SettleMe (settleme.ng)