Privacy Policy

20J Privacy Policy

We collect information to provide a secure, low-bandwidth, and functional freelancing environment.

Account Data: Full name, email address, password, physical address, and telephone number.
Identity Verification Data: National ID cards, passports, biometric facial scans, and proof of residence documents.
Profile Information: Portfolio assets, professional skills, resumes, and employment histories.
Payment Credentials: Bank account routing numbers, Flutterwave account details, Stripe merchant IDs, or mobile money wallet details.

Geolocation Data: IP addresses, GPS coordinates, and cellular network codes used to verify eligibility tiers.
Device Metrics: Operating system versions, hardware profiles, battery levels, and connection speeds to optimize the low-bandwidth interface.
Transaction Records: Escrow history, payout logs, contract communication strings, and project submission timestamps.

We process your personal data under the legal frameworks of contract fulfillment and legitimate platform security.

Identity & Tier Verification: To confirm you physically reside within the 20 target nations or eligible global expansion zones.
Transaction Processing: To coordinate secure payments through Stripe, Flutterwave, traditional banking networks, and mobile money providers.
SLA & Infrastructure Optimization: To adapt our mobile platform dynamically to your local internet speed and power constraints.
Dispute Resolution: To evaluate text logs and system snapshots during contractual disagreements.

We do not sell your personal data. We share information only with trusted service providers critical to running 20J.

Payment Processors: Financial details are securely routed through Stripe and Flutterwave to execute funding and mobile money disbursements.
Identity Verification Services: Third-party biometric tools evaluate your documentation to prevent cross-border platform fraud.
Legal Compliance Authorities: Data is shared only if required by international trade compliance regulations, global anti-money laundering (AML) laws, or strict counter-terrorism financing (CTF) rules.

Storage Protocols: Your information is encrypted in transit and at rest using modern corporate standard cryptographic controls.
Retention Windows: We retain financial and identity records for seven years to comply with international statutory auditing rules.
Offline-First Safeguards: Local data cached on the 20J mobile application is encrypted directly on your smartphone disk partition.

Depending on your legal jurisdiction, you hold specific control options over your data.

Access and Portability: You may request a downloadable report of all the personal identity files we hold on record for you.
Correction and Updates: You may correct flawed or outdated banking, phone registry, or contact profiles via your account dashboard.
Erasure: You can request account deletion, subject to the resolution of all active escrow contracts and mandatory statutory financial retention windows.