Privacy Policy

Money Code Lab (“we,” “us,” or “our”) is committed to protecting the privacy of our users, especially children and teenagers. This Privacy Policy explains what information we collect, how we use it, and the choices available to you and/or your parent or guardian. It applies to www.moneycodelab.com, our mobile apps, and related services (the “Services”).

1. A Notice for Parents and Guardians

Because our Services are designed for children and teenagers, we apply heightened privacy safeguards to protect young users. We do not collect, process, use, or disclose personal information from any minor under the age of 18 without first obtaining verifiable consent from a parent or legal guardian, except where explicitly permitted by law.

Parents and legal guardians maintain full control over their child’s personal data. At any time, a parent or guardian may review, modify, restrict, or request the complete deletion of their child’s personal information from our systems by contacting us (see Section 11). Upon receiving such a request, we will promptly delete the data and prevent further collection or processing, which may include closing the minor’s associated account.

2. Information We Collect

We may collect the following categories of information:

• Account information: name, date of birth or age range, email address, username, and (for parent or guardian accounts) contact details.
• Payment information: billing details processed by our third-party payment processors. We do not store full card numbers on our servers.
• Usage data: lessons completed, game progress, in-app activity, device type, browser type, and general location (e.g., city or country) derived from IP address.
• Cookies and similar technologies: used to keep you signed in, remember preferences, and understand how the Services are used.
• Communications: messages sent to our support team or through in-app feedback forms.

3. How We Use Information

We process personal data strictly to deliver a safe, educational, and legally compliant platform:

• Core Operations and Educational Tracking: To deliver and optimize the platform, record course completions, adapt game-based activities, and track overall learning progress for young users.
• Payment and Subscription Management: To process billing transactions, maintain active subscriptions, verify payment approvals, and issue purchase receipts.
• Parent and User Communications: To send administrative notifications, security alerts, account status updates, and support responses directly to parents, guardians, or authorized users.
• Safety, Fraud Prevention and System Integrity: To enforce platform rules, monitor interactive elements for safety risks, prevent unauthorized access, and protect minors from potential abuse or exploitation.
• Legal and Regulatory Compliance: To fulfill statutory obligations under the Nigeria Data Protection Act (NDPA) 2023, the NDPC General Application and Implementation Directive (GAID), and other applicable child privacy laws.

Data Commercialization and Advertising Prohibition: Money Code Lab does not use children’s personal data for behavioral advertising, profiling, or direct marketing. We strictly prohibit selling, renting, or trading minors’ personal information to third parties under any circumstances.

4. How We Share Information

Money Code Lab is committed to protecting the privacy of young learners and their families. We never sell, rent, or trade personal information to third parties. We share personal data strictly on a limited and confidential basis in the following circumstances:

• Vetted Service Providers and Technical Infrastructure: We share information with trusted third-party service providers who help us deliver, maintain, and secure the platform. These include cloud hosting platforms, payment processors (such as Flutterwave), security tools, and technical analytics providers. All service providers are bound by strict contractual Data Processing Agreements (DPAs) and confidentiality obligations that mandate robust security standards and forbid them from using personal data for any purpose other than providing services to Money Code Lab.
• Parents and Legal Guardians: We share a child’s platform data including account activity, learning progress, completed modules, and transaction history directly with their parent or legal guardian to ensure proper oversight, transparency, and ongoing control over their child’s personal information.
• Legal Obligations, Safety, and Law Enforcement: We may access, preserve, or disclose personal information to governmental bodies, regulatory authorities (such as the Nigeria Data Protection Commission), or law enforcement agencies if required to do so by applicable law, court order, or legal process. Disclosures may also be made where we reasonably believe it is necessary to prevent physical harm, investigate illegal acts or fraud, or protect the safety and rights of minors using our platform.
• Business Transfers and Corporate Changes: In the event of a merger, acquisition, corporate reorganization, joint venture, or sale of company assets, user data may be transferred to a successor entity. Any successor or acquiring party will remain bound by the terms of this Privacy Policy and the same legal standards for protecting children’s data.

5. Children’s Privacy

Because Money Code Lab is built specifically for children and teenagers, we prioritize child safety and strictly enforce heightened privacy standards. We handle young learners’ data in accordance with the following core principles:

• We collect only the limited personal information reasonably necessary for young users to access and benefit from our age-appropriate educational content, games, and coding tools. We do not require or request extraneous personal details.
• We strictly adhere to the principle of necessity. We do not knowingly collect, store, or process more personal data from a child than is strictly required for them to participate fully in a specific educational module, course, or interactive platform activity.
• Parents and legal guardians retain total authority over their child’s personal information at all times. By contacting our team, parents and guardians can:
  • Inspect and review all personal information collected about their child;
  • Request immediate updates, corrections, or modifications to inaccurate data;
  • Direct us to delete their child’s account and permanently erase all associated personal data; or
  • Withdraw their parental consent for future data collection (acknowledging that exercising this right may prevent the child from accessing certain interactive features or services).
• To shield minors from online harms, unsolicited contacts, and exposure, Money Code Lab does not provide public-facing user profiles, open chat rooms, or unmonitored direct messaging between children and third parties or unverified adult users. Any platform interaction is strictly controlled, moderated, and restricted to safe, educational parameters.

6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, or misuse. However, no system is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to delete or anonymise it.

8. Your Rights and Choices

Under applicable data protection laws, including the Nigeria Data Protection Act (NDPA) 2023, you and your legal guardian have full control over your personal data. You may exercise the following statutory rights at any time:

• Right of Access: You have the right to request confirmation of whether we process your personal information and to receive a clear, accessible copy of the personal data we hold about you or your child.
• Right to Rectification: You have the right to request the immediate correction, completion, or updating of any inaccurate, misleading, or incomplete personal data maintained on our systems.
• Right to Erasure (“Right to be Forgotten”): You have the right to request the permanent deletion of your or your child’s personal information where it is no longer necessary for the original purpose for which it was collected, or where processing lacks legal justification.
• Right to Withdraw Consent: Where data processing is based on consent (including parental or guardian consent for minors), you have the right to withdraw that consent at any time. Exercising this right will not affect the lawfulness of processing conducted prior to the withdrawal, though it may limit further access to certain platform features.
• Right to Object: You have the right to object to the processing of your personal data on grounds relating to your particular situation, provided there are compelling legitimate reasons to do so and to the extent permitted by law.
• Right to Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format, and to transmit that data to another data controller where processing is based on consent or contractual necessity.

All privacy requests, access inquiries, or consent withdrawals must be submitted directly to our Data Protection Team at [email protected]. For accounts belonging to minors, requests must be submitted or verified by the account’s registered parent or legal guardian.

9. Data Sharing and Third-Party Disclosures

Money Code Lab is committed to ethical data practices. We do not sell, rent, or trade personal information. We share user data strictly with trusted service providers, partners, and contractors who assist us in operating the platform, processing payments, facilitating customer support, and delivering educational services.

All third-party service providers (such as hosting providers, software vendors, and payment processors like Flutterwave) are bound by formal Data Processing Agreements (DPAs). These contractually require vendors to maintain robust security controls, keep personal data strictly confidential, and process data solely for the explicitly authorized purposes consistent with user and parental consent.

Given the global infrastructure of cloud and software services, personal data may be stored or processed outside your country of residence. All cross-border data transfers are conducted under robust legal safeguards in compliance with the Nigeria Data Protection Act (NDPA) 2023 and other applicable privacy laws. This includes using approved transfer mechanisms such as Standard Contractual Clauses (SCCs), binding agreements, or transferring data only to jurisdictions with adequate levels of data protection.

We carefully evaluate all data access requests to prioritize the privacy, safety, and rights of young learners. We will only disclose personal information to external parties or legal authorities if required to do so by law, court order, or regulatory mandate, or if we reasonably believe disclosure is necessary to protect the safety, rights, or physical security of minors and our platform community.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on www.moneycodelab.com with a revised effective date, and where appropriate, we will notify parents and guardians directly.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: