VaMijo Privacy Policy — VaMIJO

VAMIJO PRIVACY POLICY

Status: Internal

Version: 1.1

Date: 4th July 2026

1. Document Overview

The following document shall outline the privacy policy for Mijo Ride-hailing and Delivery Service.

1.1 Revision History

The table below highlights the revision history to the privacy policy for VaMijo Ride-hailing and Delivery Service.

Version Number Last Update Date Version Description Version By
v1.0 1st July, 2026 Comprehensive Privacy Policy following rebrand to VaMijo as a standalone mobility platform Ferdinand Lokko
v1.1 4th July, 2026 Updated to clarify Apple App Tracking Transparency (ATT), location data processing, analytics, SDK usage and App Store Privacy compliance. Ferdinand Lokko
Table 1.1 Revision History.

1.2 Approved By

Acceptance of the document indicates approval of its content and validity.

Name Title Approval Date
Bernard Osei Akoto Chief Operations Officer
Emmanuel Ikenna Chief Technology Officer
Table 1.2 Approval History.

2. Introduction

Welcome to VaMijo, a digital mobility platform owned and operated by Afrifanom Limited ("Afrifanom", "VaMijo", "we", "our", or "us").

VaMijo provides technology-driven mobility solutions that connect individuals, businesses and independent mobility partners through a secure digital platform. Our services include, but are not limited to:

This Privacy Policy explains how VaMijo collects, uses, stores, shares and protects your personal information whenever you access or use our mobile applications, websites, business portals, APIs, customer support channels or any other VaMijo services.

Your privacy is important to us.

We recognize that the information entrusted to us is valuable and sensitive. We are committed to maintaining the confidentiality, integrity and availability of your information while ensuring transparency regarding how it is processed.

This Privacy Policy forms part of the contractual relationship between you and VaMijo and should be read together with our:

By creating an account, accessing or using any VaMijo service, you acknowledge that you have read, understood and agreed to this Privacy Policy.

Where required by applicable law, we will request your explicit consent before collecting or processing certain categories of personal information.

3. About VaMijo

VaMijo is a wholly Ghanaian technology platform developed by Afrifanom Limited to simplify mobility, transportation and logistics across Ghana.

Unlike traditional transport companies, VaMijo operates primarily as a technology platform that enables riders, customers, businesses and independent mobility partners to connect safely and efficiently through intelligent digital matching, navigation and payment technologies.

Our ecosystem currently supports multiple user categories including:

  1. Individual Customers – Individuals requesting transportation or delivery services.
  2. Business Customers – Private companies, government agencies, institutions and organizations utilizing VaMijo for corporate mobility and logistics.
  3. Drivers and Delivery Partners – Independent mobility partners providing transportation and delivery services through the VaMijo platform.
  4. Fleet Owners – Businesses and individuals managing multiple vehicles and drivers under a single fleet account.
  5. Corporate Administrators – Authorized users managing organizational mobility accounts, employees, expenses and reporting.
  6. Support Personnel – Authorized VaMijo employees and contractors responsible for customer support, quality assurance, compliance, fraud prevention and platform administration.

As our platform evolves, additional services may become available under the VaMijo ecosystem. Unless otherwise stated, this Privacy Policy will automatically apply to those services.

4. Scope of this Privacy Policy

This Privacy Policy applies to all information collected through:

Mobile Applications

  1. VaMijo Customer App
  2. VaMijo Driver App
  3. Future VaMijo applications

Websites

  1. Official VaMijo Website
  2. Customer Portals
  3. Business Portals
  4. Fleet Management Portals
  5. Developer Portals

Customer Support Channels

  1. Email
  2. Telephone
  3. Live Chat
  4. WhatsApp
  5. Social Media
  6. In-App Support

Business Platforms

  1. Corporate dashboards
  2. Administrative portals
  3. Fleet Management systems
  4. Partner Onboarding systems
  5. Reporting Platforms

APIs and Third-Party Integrations

Where authorized by you or your organization, VaMijo may receive information through approved third-party integrations.

This Privacy Policy applies regardless of the device used, including:

This Privacy Policy does not apply to services operated independently by third parties, even where such services integrate with VaMijo. Those organizations maintain their own privacy policies.

5. Our Privacy Principles

VaMijo has adopted the following privacy principles to guide every aspect of our products, operations and technology.

5.1 Lawfulness

We collect and process personal information only where permitted by applicable laws or where your consent has been obtained.

5.2 Transparency

We clearly explain:

  1. what information we collect;
  2. why we collect it;
  3. how we use it;
  4. who we share it with; and
  5. how long we retain it.

5.3 Purpose Limitation

Information collected for one legitimate business purpose will not be used for unrelated purposes without additional legal justification or your consent.

5.4 Data Minimization

We collect only the information reasonably necessary to provide, improve and secure VaMijo services.

5.5 Accuracy

We encourage users to keep their personal information accurate and up to date. Users may update certain information directly within the VaMijo applications or by contacting customer support.

5.6 Security

We employ administrative, organizational and technical safeguards designed to protect personal information from unauthorized access, alteration, disclosure or destruction.

5.7 Accountability

Every VaMijo employee, contractor and authorized service provider handling personal information is required to comply with applicable privacy obligations and confidentiality requirements.

5.8 Privacy by Design

Privacy considerations are integrated throughout the design, development and deployment of VaMijo products, ensuring that data protection is embedded into our systems from the outset rather than added as an afterthought.

5.9 Apple App Tracking Transparency NEW

VaMijo respects user privacy and complies with Apple's App Tracking Transparency ("ATT") framework.

For the purposes of Apple's policies, tracking refers to linking user or device information collected from the VaMijo application with third-party information for targeted advertising or sharing such information with data brokers or advertising networks.

VaMijo does not currently perform tracking as defined by Apple's App Tracking Transparency framework.

Specifically:

  1. VaMijo does not track users across third-party applications or websites for advertising purposes.
  2. VaMijo does not share customer location information with advertising networks.
  3. VaMijo does not sell personal information.
  4. VaMijo does not use advertising identifiers for targeted advertising.
  5. VaMijo does not create advertising profiles based on users' activity across third-party applications.

Accordingly, the VaMijo iOS application does not currently request App Tracking Transparency authorization because no tracking activity, as defined by Apple, is performed.

Should VaMijo introduce future functionality that requires App Tracking Transparency authorization, users will first be presented with Apple's ATT permission request before any tracking occurs.

6. Definitions

For purposes of this Privacy Policy, the following definitions apply.

Account

A registered VaMijo profile created by a customer, driver, business or administrator.

Business Account

An organization registered to utilize VaMijo services for corporate transportation, logistics or employee mobility.

Cookies

Small text files stored on your device that help websites and applications remember information and improve user experience.

Customer

An individual or organization requesting transportation, delivery or logistics services through VaMijo.

Device Information

Technical information collected from your mobile phone, tablet or computer.

Driver or Partner

An independent transportation or delivery provider registered on the VaMijo platform.

Fleet Owner

An organization or individual managing one or more drivers and vehicles through VaMijo.

Location Information

Information identifying the geographic position of your device using technologies including GPS, Wi-Fi, cellular networks or other location services.

Processing Information

Any information relating to an identified or identifiable natural person, including information that can directly or indirectly identify that individual.

Processing

Any operation performed on personal information including collection, recording, organization, storage, updating, retrieval, consultation, transmission, analysis, deletion or destruction.

Sensitive Personal Information

Personal information requiring enhanced protection under applicable law, including government-issued identification, biometric information, financial information and precise location data.

Services

All mobility, transportation, logistics, payment, business and technology services offered under the VaMijo brand.

Third Party

Any individual or organization other than VaMijo or the data subject.

User

Any individual accessing or using VaMijo services, including customers, drivers, fleet owners, businesses, visitors and administrators.

7. Information We Collect

The information collected depends on how you interact with VaMijo, the services you use and the permissions you grant. We collect information in four primary ways:

  1. Information you provide directly.
  2. Information collected automatically.
  3. Information received from third parties.
  4. Information generated through your use of VaMijo services.

The categories described below are illustrative and may expand as new VaMijo services are introduced.

7.1 Customer Information

When creating or using a personal VaMijo account, we may collect:

Identity Information

  1. Full name
  2. Ghana Card details or other accepted identification
  3. Date of birth (where required)
  4. Gender (optional where applicable)
  5. Profile photograph (optional)

Contact Information

  1. Mobile phone number
  2. Email Address (optional)
  3. Digital Address

Account Information

  1. Username
  2. Password (stored securely in encrypted or hashed form)
  3. Security questions
  4. Authentication Tokens
  5. Login History

Ride and Delivery Preferences

  1. Saved locations
  2. Home Address
  3. Work Address
  4. Favourite destinations
  5. Frequently visited places
  6. Ride preferences
  7. Vehicle preferences
  8. Accessibility preferences

Payment Information

  1. Mobile Money Wallet details
  2. VaMijo Wallet Information
  3. Payment History
  4. Transaction Records
  5. Billing information
  6. Promotional Credits
  7. Discount usage

Communications

Information shared with VaMijo through:

  1. Customer support
  2. Emails
  3. Phone calls
  4. In-app messaging
  5. Surveys
  6. Promotions
  7. Ratings
  8. Reviews
  9. Feedback

7.2 Driver and Partner Information

To operate safely and comply with regulatory requirements, VaMijo collects additional information from drivers and delivery partners. This may include:

Identity Verification

  1. Full legal name
  2. Ghana Card details
  3. Date of birth
  4. Driver profile photograph

Contact Information

  1. Phone number
  2. Email address
  3. Residential address
  4. Digital address
  5. Preferred operating city or region

Driver Qualification Information

  1. Driver license number
  2. License issue date
  3. License expiry date

Vehicle Information

  1. Vehicle registration number
  2. Vehicle make
  3. Vehicle model
  4. Vehicle year
  5. Vehicle colour
  6. Vehicle type
  7. Vehicle photographs

Compliance Documentation

  1. Roadworthiness certificate
  2. Insurance certificate
  3. Insurance expiry date
  4. Vehicle inspection records
  5. Other regulatory documentation required by law

Operational Information

  1. Online status
  2. Subscription plan
  3. Flexi commission plan
  4. Earnings
  5. Wallet balances
  6. Incentive history
  7. Cancellation statistics
  8. Acceptance rates
  9. Completion rates
  10. Service quality metrics

This information enables VaMijo to verify partner eligibility, maintain service quality, meet legal obligations and support safe platform operations, consistent with our partner onboarding and operational requirements.

7.3 Business Account Information

Organizations using VaMijo may provide:

Organization Information

  1. Organization name
  2. Business registration details
  3. Certificate of Incorporation
  4. Tax identification information where applicable
  5. Registered Address
  6. Digital Address
  7. Primary contact information

Authorized Users

Information relating to employees or representatives authorized to access the organization's VaMijo account, including names, business email addresses, phone numbers and assigned permissions.

Financial Information

  1. Billing preferences
  2. Payment History
  3. Expense reports
  4. Transaction records
  5. Delivery reports
  6. Fleet reports

Administrative Information

Business administrators may generate additional operational information through the use of reporting dashboards, user management tools and mobility management features.

Business account information supports organizational onboarding, account administration and operational reporting in line with VaMijo's business account capabilities.

8. Lawful Basis for Processing Personal Information

Where required under applicable law, VaMijo processes personal information based on one or more of the following legal grounds:

  1. Your consent.
  2. Performance of a contract with you.
  3. Compliance with legal or regulatory obligations.
  4. Protection of your vital interests or those of another person.
  5. Performance of tasks carried out in the public interest where applicable.
  6. VaMijo's legitimate business interests, provided such interests do not override your fundamental rights and freedoms.

Where we rely on consent, you may withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing carried out before consent was withdrawn.

By registering for, accessing or using VaMijo services, you acknowledge that you have read and understood this Privacy Policy.

Where required, VaMijo will request your explicit consent before:

You may withdraw or modify certain permissions through your device settings or within the VaMijo application. Please note that disabling specific permissions may limit or prevent the proper functioning of certain features.

10. Contact Information

If you have any questions regarding this Privacy Policy or the processing of your personal information, please contact:

Afrifanom Limited

VaMijo Data Protection Office

Email: privacy@vamijogh.com (or designated privacy email upon launch)

General Support: support@vamijogh.com

Customer Support: Available through the VaMijo mobile application and official website.

Where required under applicable law, you may also lodge a complaint with the appropriate data protection regulator in your jurisdiction, including the Data Protection Commission of Ghana.

11. Ride and Delivery Data

When you use VaMijo services for transportation or delivery, we collect and generate additional information necessary to facilitate and manage those services.

Ride Information

  1. Pickup location
  2. Drop-off location
  3. Route taken
  4. Distance travelled
  5. Trip duration
  6. Ride timestamps (start and end times)
  7. Ride category
  8. Fare details and breakdown
  9. Surge pricing information where applicable

Delivery Information

  1. Sender details
  2. Recipient details
  3. Pickup and delivery addresses
  4. Package description
  5. Delivery instructions

Interaction Data

  1. Communication between customers and drivers (via in-app messaging or masked calls)
  2. Ride or delivery cancellations and reasons
  3. Dispute records
  4. Ratings and feedback provided by users

This information is essential for service fulfillment, dispute resolution, safety monitoring and service improvement.

12. Location Information UPDATED

Location information is fundamental to the operation of VaMijo's transportation and logistics services. VaMijo requests access to location information only after obtaining the user's permission through the operating system.

Depending on your chosen permissions, VaMijo may collect:

How Location Data is Used

Location information is processed solely to support VaMijo services, including:

  1. locating nearby drivers;
  2. matching customers with drivers;
  3. navigation;
  4. estimating arrival times;
  5. calculating fares;
  6. monitoring active rides;
  7. monitoring deliveries;
  8. fraud prevention;
  9. customer safety;
  10. emergency response;
  11. service quality improvements.

VaMijo does not use Precise Location or Approximate Location to track users across third-party applications, websites or advertising networks.

Location information is used exclusively within the VaMijo platform for the operation of transportation and delivery services requested by users.

13. Device Information and Permissions UPDATED

VaMijo collects technical information about your device including:

Device Information

  1. Device model
  2. Operating system
  3. Application version
  4. Language settings
  5. IP address
  6. Performance logs
  7. Crash diagnostics

Any device identifiers collected are used exclusively for securing user accounts, preventing fraudulent activity, maintaining application stability and troubleshooting technical issues.

VaMijo does not use device identifiers for cross-app tracking or targeted advertising.

Permissions We May Request

  1. Location access (for ride matching and navigation)
  2. Camera access (for profile photos, document uploads and verification)
  3. Microphone access (for voice communication features)
  4. Storage access (for saving and uploading files)
  5. Contacts access (optional, for referral features)

You may grant or revoke these permissions at any time through your device settings. Certain features may not function properly if permissions are denied.

14. Wallet and Payment Information

VaMijo provides integrated payment solutions, including mobile money and digital wallet services.

Payment Data Collected

  1. Mobile money account details
  2. Wallet balances
  3. Transaction history
  4. Payment confirmations
  5. Billing records
  6. Refund records
  7. Promotional credits and discounts

Payment Processing

Payments may be processed through:

  1. Mobile network operators
  2. Licensed payment service providers
  3. Financial institutions

VaMijo does not store sensitive financial credentials such as PINs or passwords used for mobile money transactions.

15. Communications UPDATED

VaMijo may communicate with you through various channels to provide services and support.

Types of Communication

  1. Transactional messages (ride confirmations, receipts, updates)
  2. Service notifications (account alerts, security notices)
  3. Customer support responses
  4. Marketing communications (with consent)
  5. Surveys and feedback requests

Communication Channels

  1. SMS
  2. Email
  3. In-app notifications
  4. Push notifications
  5. Phone calls

Marketing communications are sent directly by VaMijo. VaMijo does not provide customer information to advertising companies for personalized advertising or cross-platform marketing.

Users may opt out of promotional communications while continuing to receive essential operational messages relating to rides, deliveries, payments, account security and legal obligations.

16. How We Use Your Information

VaMijo uses personal information for the following purposes.

Service Delivery

  1. To create and manage user accounts
  2. To match customers with drivers
  3. To facilitate rides and deliveries
  4. To process payments and transactions
  5. To provide customer support

Safety and Security

  1. To verify identities
  2. To monitor platform activity
  3. To prevent fraud and abuse
  4. To investigate incidents and disputes
  5. To enforce our policies and terms

Platform Improvement UPDATED

VaMijo analyzes anonymized and aggregated operational information to improve:

Such analytics are used solely within the VaMijo ecosystem and are not used for advertising or tracking users across third-party applications.

Personalization

  1. To tailor user experience
  2. To recommend services and features
  3. To customize promotions and offers

Legal and Compliance

  1. To comply with applicable laws and regulations
  2. To respond to lawful requests from authorities
  3. To maintain records for regulatory purposes

Business Operations

  1. To manage internal operations
  2. To conduct audits and reporting
  3. To support business growth and development

17. Sharing of Information UPDATED

VaMijo may share personal information in the following circumstances:

With Other Users

Customers and drivers share limited information necessary to complete rides or deliveries (e.g., name, phone number, location).

With Service Providers

Third-party vendors providing services such as payment processing, cloud storage, customer support and security.

With Business Partners

Where necessary to provide integrated services or promotions.

With Regulatory Authorities

Where required by law, regulation or legal process.

In Business Transfers

In connection with mergers, acquisitions, restructuring or sale of assets.

VaMijo ensures that all third parties receiving personal information are bound by confidentiality and data protection obligations. Where VaMijo engages third-party technology providers, those providers process personal information solely on VaMijo's behalf.

They may not:

18. Data Retention

VaMijo retains personal information only for as long as necessary to:

  1. Provide services
  2. Fulfill contractual obligations
  3. Comply with legal and regulatory requirements
  4. Resolve disputes
  5. Enforce agreements

Retention periods may vary depending on the type of data and applicable laws.

When personal information is no longer required, it will be securely deleted or anonymized.

19. Data Security

VaMijo implements appropriate technical and organizational measures to protect personal information, including:

  1. Encryption of sensitive data
  2. Secure servers and infrastructure
  3. Access controls and authentication mechanisms
  4. Regular security assessments and audits
  5. Monitoring for unauthorized access or breaches

Despite our efforts, no system is completely secure. Users are encouraged to protect their account credentials and report any suspicious activity.

20. Your Rights

Depending on applicable law, you may have the following rights:

  1. Right to access your personal information
  2. Right to correct inaccurate or incomplete data
  3. Right to request deletion of your data
  4. Right to restrict or object to processing
  5. Right to data portability
  6. Right to withdraw consent
  7. Right to lodge a complaint with a regulatory authority

Requests may be submitted through VaMijo customer support or the Data Protection Office.

21. Advertising NEW

VaMijo does not sell personal information.

VaMijo does not participate in third-party behavioural advertising networks.

VaMijo does not share personal information with advertising companies for cross-app or cross-website tracking.

Any promotional communications delivered by VaMijo are based solely on the user's relationship with VaMijo and not on activity observed across third-party applications or websites.

22. International Data Transfers

Where necessary, VaMijo may transfer personal information outside Ghana to trusted service providers or partners.

In such cases, we ensure that appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

23. Children's Privacy

VaMijo services are not intended for individuals under the age of 18.

We do not knowingly collect personal information from minors. If we become aware that such information has been collected, we will take steps to delete it promptly.

24. Changes to this Privacy Policy

VaMijo may update this Privacy Policy from time to time to reflect changes in our services, legal requirements or business practices.

When updates are made:

  1. The "Last Updated" date will be revised
  2. Significant changes may be communicated through the app or other channels

Continued use of VaMijo services after updates constitutes acceptance of the revised policy.

25. Contact Us

Questions regarding this Privacy Policy may be directed to:

VaMijo Data Protection Office

Afrifanom Limited

General Enquiries
Email: support@vamijogh.com

Privacy Enquiries
Email: privacy@vamijogh.com

Website
www.vamijogh.com

Where applicable, users may also contact the Data Protection Commission of Ghana regarding concerns about the processing of their personal information.

26. Appendix NEW

26.1 Apple Privacy Compliance Statement

VaMijo is designed primarily to facilitate real-world transportation and logistics services.

Information collected through the application — including location information, device information and operational information — is used solely for:

VaMijo does not use personal information collected through the application to track users across third-party applications or websites for advertising purposes.

Should VaMijo introduce future functionality that requires tracking under Apple's App Tracking Transparency framework, users will first be presented with Apple's ATT authorization prompt before such processing occurs.

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