Terms of Use and Privacy Policy

Last updated

This user agreement is effective as of February 01, 2022.

Welcome !

This user agreement is a contract between you and NIMA Codes, SARL. governing your use of the NIMA Codes services.

You agree to comply with all of the terms and conditions in this user agreement. You also agree to comply with the following additional policies and each of the other agreements that apply to you:

We may revise this user agreement and any of the policies listed above from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities we will provide notice to you of at least 21 days. We reserve the right to amend this agreement at any time without notice, subject to applicable law. By continuing to use our services after any changes to this user agreement become effective, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account.

Opening a NIMA Pay Account

We offer accounts for two types of purposes: personal accounts and approved business accounts. You may only have one personal account. To create a personal account, you must be a resident of one of the regions covered by NIMA, the age of majority in your state of residence and use a cellular/wireless telephone number that you own. Your NIMA account is a personal account unless you have received our express written approval to open a business account.

Personal NIMA Pay accounts let you do things like:

We may also offer you the ability to set up a business profile within your personal NIMA account, which you can use to receive payments for the sale of goods and services. This feature is offered in our sole discretion and may not be available to all users.

Keep confidential any credentials you use to access your NIMA account and the NIMA services. You must keep your phone number, email address and other contact information current in your NIMA account profile.

Closing Your NIMA Account

You may close your account and terminate your relationship with us without cost, but you will remain liable for all obligations related to your NIMA account even after the NIMA account is closed. Any incomplete transactions or transfers must be completed or canceled and you must transfer any money from any personal or business profiles of your NIMA account before closing it. In certain cases, you may not close your NIMA account, including:

If your NIMA account is closed for any reason, any business profile and any services affiliated with your account will be canceled.

Using Money Sent to You on NIMA

To hold a balance and use money sent to you for NIMA payments to other users or authorized merchants, we must verify the required identifying information you provide to us. The required identifying information is:

Until you verify the required identifying information, you will be able to receive money into your NIMA account, but there may be restrictions on how you can use this money.

Receiving Money into Your NIMA Account

If we have verified the required identifying information that you provide to us, NIMA may offer you the ability to add money to your balance using multiple payment sources such as credit cards or mobile money payments, among other things, subject to the applicable fees.

Holding Money in Your NIMA Account

You may store funds in your NIMA Account, these make up your balance. You may add funds to your balance using multiple payment sources such as credit cards or mobile money payments, among other things. When you do, you are authorizing us to debit those sources. If we incur costs because you have insufficient funds in your account, you will cover those costs.

Your balance consists of the funds you have in your Account that are available for new transactions and are not subject to pending transactions. You are solely responsible for all funds necessary to complete any payments initiated through the Service. You agree to reimburse NIMA for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any payment you initiate through the Service.

NIMA may impose limits on the amount you can keep in your Balance and reserves the right to change these limits at any time. Funds in your NIMA Balance might not be available to use for all types of transactions. If you have a Restricted Account, then you may not use your NIMA Balance to make payments to other NIMA customers unless you first upgrade to an Unrestricted Account

Transferring Money out of Your NIMA Account

Money in your NIMA account may be transferred out of NIMA by:

We review account and transaction activity at various times, including when transfers are initiated. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you’ve transacted comply with this agreement. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to money in it or that is sent to you until verification is completed.

Reviews may result in:

Among other reasons, we may take the above actions if you knowingly or unknowingly were a participant in a payment that was made from a stolen card, compromised bank account, or compromised NIMA account, or if you were a participant in a transaction for goods and services between two personal accounts.


Account Statements

You have the right to receive an account statement showing your NIMA account latest activity. You may view your NIMA account statement by logging into your NIMA account.

Making Payments

You can send money to or request money from a NIMA user. They will have to accept any charge request before you are sent money. When you accept a charge request sent by another NIMA user, you will send them money.

Payments with friends

You can send money to or request money from a friend using the Pay and Request feature in your NIMA account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send money to or request money from a friend, even if they don’t have a NIMA account at the time you send the payment, using their mobile number. If the friend does not have a NIMA account, they can claim the payment by opening a NIMA account. We may, at our discretion, impose limits on the amount of money you can send, including money you send to friends.

We may, at our discretion, impose limits on the amount and/or the number of payments you can send and receive. These sending limits apply for all transactions combined in your account, including any transactions through your business profile.

If you use your credit card as the payment method when depositing money, you may also be charged a cash-advance fee by your card issuer.

In order to manage risk, we may limit the payment methods available when you make a payment. Fees and limits may change from time to time in our sole discretion.

Selling goods or services on NIMA

You can receive payments for the sale of goods and services only by using a business profile or by asking the sender to identify a payment as for goods and services. Selling on NIMA, including receiving payments in your business profile or that are identified as for goods and services, might be subject to applicable fees.

If you refund a transaction to a buyer, there are no fees to make the refund, but the fees you originally paid as the seller are not returned. We may restrict the use of your NIMA account, including any business profile, if the selling activity through your account, including any business profile, reaches certain thresholds, involves certain activities or violates any terms between you and us.

In addition, if your selling activity meets certain transaction thresholds, we may require you to provide additional information and documentation to us from time to time for tax reporting or other reasons (for example, to verify your business activities or resolve claims or disputes), and we may suspend or place limits on your account until we receive the requested information and documentation.

Refunds, Reversals and Chargebacks

Refunds for Transactions

When you buy something from a seller on NIMA using the "Pay and Request" feature in your NIMA account, either by sending a payment to a business profile or identifying it as for goods and services, and the transaction is refunded, the money will be sent back to you. Money may not always be refunded to the payment method originally used. If you receive a payment through a business profile or for otherwise selling goods and services(such as when a sender identifies a payment as for goods and services) and that payment is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees (including any applicable chargeback fees below).If you refund a transaction, we might retain fees you paid.

In the event of a successful claim under the NIMA Purchase Protection Program, we will initiate the refund process. The amount of the refund will be deducted from the profile that received the payment. If the balance in that profile does not cover the payment amount due, plus the fees, this will result in a negative balance, which you owe to us. In that situation, we may use any of the payment methods linked to your profile to cover the amount due. If the payment methods linked to your profile do not cover the amount due, you must immediately add funds to resolve the negative balance. If you don’t, we will take any or all actions as outlined under Amounts Owed to Us.

Payments that are invalidated and reversed

Payments may be invalidated and reversed by us if, among other reasons, we sent the payment to you in error, the funding transaction is declined or reversed, the payment was unauthorized or unfunded, we determine that a purchase is eligible for the NIMA Purchase Protection Program (in which case we may reverse funds from the seller’s account to refund the buyer) or if the payment was for activities that violated this user agreement or any other agreement with us. As the sender or recipient of a payment that is later invalidated for any reason, you may be liable to us for the full amount of the payment and we may recover the amount of the payment (plus any fees) from you. We may recover the amount of the payment from either the sender or the recipient of an invalidated payment in our discretion (subject to applicable law). For example, if you send a payment funded by a bank account and the bank informs us it cannot cover the payment due to a lack of funds or a dispute, we may hold you liable for the payment, or if you were the recipient of that payment, we may reverse that payment from your account to cover the liability. When recovering the amount of an invalidated payment from you, we may apply any money sent to you on NIMA, request that you add money to your account for the amount of the payment and apply that money to amounts owed, and/or we may:

  • engage in collection efforts to recover such amounts from you;
  • take any or all action as outlined under Amounts Owed to Us; and
  • place a limitation or take other action on your NIMA account as outlined under Restricted Activities and Holds and Limitations.

If we invalidate a payment because the card issuer or originating bank declined or reversed the transaction, then you may be liable for the payment even if you disagree with the decision of the card issuer or originating bank to decline or reverse the payment. If you believe that a payment initiated with your NIMA account was not authorized, then you must notify us immediately, even if you (or someone else) disputes the transaction with the card issuer or originating bank.

Chargeback fees

If you receive a debit or credit funded payment in your business profile or that is identified as for goods and services and the buyer pursues a chargeback for the transaction with their card issuer, we may assess a chargeback fee.

Restricted Activities

In connection with your use of our websites, your NIMA account, the NIMA services, or in the course of your interactions with us, other customers, or third parties, you must not:

Actions We May Take if You Engage in Any Restricted Activities

If we believe that you’ve engaged in any restricted activities, we may take a number of actions to protect ourselves, our customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following:

If we close your NIMA account or terminate your use of the NIMA services for any reason, we’ll provide you with notice of our actions and make any unrestricted money held in your NIMA account or that has been sent to you available for bank transfers.

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by us, any customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the NIMA services. For example, if you send a payment funded by your bank account and your bank informs us you do not have sufficient funds to cover the payment, you may be liable for the payment. Similarly, if you receive a payment and the payment is disputed, you may be liable for the payment.

Holds and Limitations

You will have access to a limited subset of the Services until your identification has been verified as required by the Act. In certain circumstances in order to protect the Services, the Account and the network it uses, we may, in our sole discretion or at the direction of a third party, take account-level or transaction-level actions including, but not limited to, placing a hold on a transaction, placing a hold on the Account, deactivating the Account and/or taking similar actions on the services offered by NIMA. When you initiate a deposit of Funds via electronic funds transfer, we may hold the Funds for up to five (5) business days after the day you make the deposit. During this hold period, we may limit your right to use the Services, and we may refuse to accept any deposit made by you. When you provide new or updated personal information, we may put a hold on the Account. We may maintain this hold until we confirm this information, which confirmation may require you to provide supporting documentation. Our decision about holds, deactivations and other actions may be based on confidential criteria that are essential to our management of risk and the protection of NIMA, our affiliates, our customers and/or service providers. We may use proprietary fraud and risk monitoring when assessing the risk associated with the Account. In addition, we may be restricted by the Act from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you

Error Resolution

What is an error

An “error” means the following:

What is not considered an error

The following are NOT considered errors:

In case of errors or questions about your electronic transfers

Please contact NIMA customer service immediately via email at hello@nima.codes.

Notify us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Filing a chargeback or reversal with your financial institution related to a NIMA payment does not constitute notice of an error to us. You must contact us directly to notify us of errors. When you notify us:

If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your NIMA account within 10 Business Days for the amount you think is in error and will notify you within 2 Business Days of the credit, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your NIMA account.

For errors involving new NIMA accounts or point-of-sale transactions, we may take up to 90 days to investigate your complaint or question. For new NIMA accounts, we may take up to 20 Business Days to credit your NIMA account for the amount you think is in error.

We will tell you the results within 3 Business Days after completing our investigation.

Processing Errors

We will rectify any processing error that we discover. If the error results in:

Processing errors are not:

Communications Between You and Us

If you provide us your mobile phone number, you agree that we, including our affiliates, may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your NIMA branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by NIMA.

We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent.

You will be considered to have received a communication from us, if it’s delivered electronically, 24 hours after the time we post it to our website or email it to you. You will be considered to have received a communication from us, if it’s delivered by mail, 3 Business Days after we send it. Unless you’re communicating with us about a matter where we’ve specified another notice address.

You understand and agree that, to the extent permitted by law, we may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with us or our agents for quality control and training purposes or for our own protection. You acknowledge and understand that while your communications with us may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by us, and we do not guarantee that recordings of any particular telephone calls will be retained or retrievable.

Our Rights

Our suspension and termination rights

We, in our sole discretion, reserve the right to suspend or terminate this user agreement, access to or use of our websites, software, systems (including any networks and servers used to provide any of the NIMA services) operated by us or on our behalf or some or all of the NIMA services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted money being held for you.

Security interest

As security for the performance of your obligations under this user agreement, you grant to us a lien on, and security interest in and to, money in your NIMA account and any other funds held in our possession.

Amounts owed to us

We may deduct amounts owed to us, in whole or in part, from money that is sent to your NIMA account later, either by you or from payments sent to you. While you owe amounts to us, we may:

If you have more than one NIMA account, even if you have those accounts without our authorization and in breach of this agreement, we may set off amounts owed to us in one NIMA account against money in or money sent to your other NIMA account(s). If you continue using your NIMA account when you have amounts owed to us, you authorize us to combine amounts owed to us with any debit or transaction sent from your account.

In addition to the above, if you have a past due amount owed to us, including our affiliates, we may debit your NIMA account or accounts held at our affiliates or various products to pay any amounts that are past due. This includes accounts and amounts owed by using our various products.


Insolvency proceedings

If any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, we’ll be entitled to recover all reasonable costs or expenses (including reasonable legal fees and expenses) incurred in connection with the enforcement of this agreement.

Assumption of rights

If we invalidate and reverse a payment that you made to a recipient (either at your initiative or otherwise), you agree that we assume your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in our discretion.

No waiver

Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.

Indemnification and Limitation of Liability

In this section, we use the term “NIMA” to refer to NIMA Codes SARL., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. Our affiliates include each entity that we control, we are controlled by or we are under common control with.


You must indemnify NIMA for actions related to your NIMA account and your use of the NIMA services. You agree to defend, indemnify and hold NIMA harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the NIMA services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your NIMA account or access our websites, software, systems (including any networks and servers used to provide any of the NIMA services) operated by us or on our behalf, or any of the NIMA services on your behalf.

Limitation of liability

We will only be liable to you for direct damages or loss resulting from gross negligence or willful misconduct on our part arising directly from our performance and responsibilities under the Agreement. You expressly acknowledge and agree that we will have no liability or responsibility whatsoever for any direct, indirect, special, punitive or consequential damages or loss however caused, arising out of your use of the Services, including, but not limited to: (a) losses resulting from fraudulent or unauthorized transactions, regardless of whether you have kept your NIMA login credentials confidential and secure and have monitored and safeguarded the Account; (b) losses related to the installation, use, or maintenance of personal computer, equipment, software, or caused by any worms, bugs, viruses, trojan horses, date bombs, defects, time bombs or other items of a destructive nature which may be transmitted to or using the Site or Services; (c) any third-party claims or losses of any nature, including lost profits, punitive or consequential damages; (d) losses resulting from any act or omission of another user of the Services including through P2P Transfers; (e) losses related to any errors, mistakes, inaccuracies or omissions in the Content or Services; or (f) losses related to any P2P Transfers that you send or receive, regardless of whether they were authorized by or intended for you. The P2P Transfer feature is a money transmission service and, as a result, fraudulent transactions may result in the loss of Funds with no recourse.

Force Majeure

We are not responsible or liable for any damages or loss resulting from causes outside our direct control, such as failure of electronic or mechanical equipment or communication lines, electronic viruses or malware, unauthorized access to our systems, theft, operator error, severe weather, natural disasters, strikes or other labour problems, wars, disease, epidemic, governmental restrictions, or for any loss of information caused by disruptions in or malfunctions of the Services.

Collection and Use of Information

Your security and privacy are our utmost concern. We do not sell, rent or otherwise disclose your personal information collected to third parties except as required to deliver the Services.

We may disclose your personal information to our affiliates within the NIMA group of companies for the purposes of providing you the Services as well as to help us develop, enhance, provide and inform you of other services, products, or promotions offered by them (the “Related Services”). Additional terms and conditions and fees may apply to the Related Services.

All information that we may collect through your use of the Services is subject to our Privacy Policy which is available at nima.codes/privacy. Our Privacy Policy is incorporated into this Agreement by reference and by agreeing to this Agreement you hereby agree and consent to our Privacy Policy.

We are responsible for protecting the security of your data and personal information that is in our possession and will maintain commercially reasonable administrative, technical and physical procedures to protect your data and personal information. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures. You understand and agree that you use the Services at your own risk.

Content Posted by Users

When using NIMA’s products and services, you may have the ability to post content (e.g., payment descriptions, business description, comments and/or photos). You are solely responsible for all content that you provide, post, upload or submit. We are not responsible for evaluating the accuracy, truthfulness, usefulness, legality, safety, morality or applicability of any content posted by users on NIMA. NIMA does not endorse, guarantee, make representations or provide warranties regarding any such content. NIMA may, in its sole discretion, reject or remove any content that violates our content standards below or for any other reason we deem the content inappropriate. NIMA shall have no obligation to monitor content posted, uploaded or submitted by a user, but may do so at its sole discretion. NIMA is not responsible for any failure or delay in removing any such content.

Prohibited Use

In connection with your use of the Services, the Account, the Site, or in the course of your interactions with us, other clients, or third parties, you shall not, directly or indirectly:

Anti-Hacking Provisions

You are further prohibited from violating or attempting to violate the security of the Services or NIMA’s or any affiliates other systems or network security, including without limitation the following:

Intellectual Property

Our trademarks

"nima.codes," "NIMA," and all logos related to the NIMA services are either trademarks or registered trademarks of NIMA or NIMA’s licensors. You may not copy, imitate, modify or use them without our prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of NIMA. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by us for the purpose of directing web traffic to the NIMA services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes NIMA or the NIMA services or display them in any manner that implies NIMA’s sponsorship or endorsement. All right, title and interest in and to the NIMA websites, any content thereon, the NIMA services, the technology related to the NIMA services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of NIMA and its licensors.

License grants, generally

If you are using our software such as an API, developer’s toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then NIMA grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use our software in accordance with the documentation accompanying such software. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the NIMA services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, us and third parties. We may update or discontinue any software upon notice to you. While we may have (1) integrated certain third party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third party materials and technology to facilitate providing you with the NIMA services, you have not been granted and do not otherwise retain any rights in or to any such third party materials. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third party materials or technology, or otherwise create any derivative works from any of the software or third party materials or technology. You acknowledge that all rights, title and interest to our software are owned by NIMA and any third party materials integrated therein are owned by our third party service providers. Any other third party software application you use on the NIMA websites is subject to the license you agreed to with the third party that provides you with this software. You acknowledge that NIMA does not own, control nor have any responsibility or liability for any such third party software application you elect to use on any of our websites, software and/or in connection with the NIMA services.

Privacy Policy

This Privacy Policy describes our policies on the collection, use, and disclosure of information about you in connection with your use of our services, including those offered through our websites, emails, and mobile applications (collectively, the "Service"). The terms "we", "us", and  "NIMA Codes" refer to NIMA Codes SARL, a Senegalese corporation with its headquarters in Dakar, Senegal. When you use the Services, you consent to our collection, use, and disclosure of information about you as described in this Privacy Policy.

NIMA Codes knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used.

We also understand that privacy is important when sharing your location. That’s why we have built-in features that give you both visibility into and control over what you’re sharing. We have prepared this Privacy Policy to make sure you are aware of our practices. This policy applies to your use of the NIMA Codes app and any other services that NIMA Codes SARL (NIMA) may offer.

The information that we collect

NIMA must receive or collect some information to operate, provide, improve, understand, customize, support, and market our Services, including when you install, access, or use our Services.

The types of information we receive and collect depend on how you use our Services. We require certain information to deliver our Services and without this we will not be able to provide our Services to you. For example, you must provide your mobile phone number to create an account to use our Services.

Our Services have optional features which, if used by you, require us to collect additional information to provide such features. You will be notified of such collection, as appropriate. If you choose not to provide the information needed to use a feature, you will be unable to use the feature. For example, you cannot share your location with your contacts if you do not permit us to collect your location data from your device. Permissions can be managed through your Settings menu on both Android and iOS devices.

The information that you provide

  • Your Account Information. You must provide your mobile phone number and basic information (including a profile name of your choice) to create a NIMA account. If you don’t provide us with this information, you will not be able to create an account to use our Services. You can add other information to your account, such as a profile picture and "about" information.
  • Your Connections. You can use the contact upload feature and provide us, if permitted by applicable laws, with the phone numbers in your address book on a regular basis, including those of users of our Services and your other contacts. If any of your contacts aren’t yet using our Services, we’ll manage this information for you in a way that ensures those contacts cannot be identified by us.
  • Transactions And Payments Data. If you use our payments services, or use our Services meant for purchases or other financial transactions, we process additional information about you, including payment account and transaction information. Payment account and transaction information includes information needed to complete the transaction (for example, information about your payment method, shipping details and transaction amount). If you use our payments services available in your country or territory, our privacy practices are described in the applicable payments privacy policy.
  • Customer Support And Other Communications. When you contact us for customer support or otherwise communicate with us, you may provide us with information related to your use of our Services, including copies of your messages, any other information you deem helpful, and how to contact you (e.g., an email address). For example, you may send us an email with information relating to app performance or other issues.

Automatically Collected Information

  • Usage And Log Information. We collect information about your activity on our Services, like service-related, diagnostic, and performance information. This includes information about your activity (including how you use our Services, your Services settings, how you interact with others using our Services (including when you interact with a business), and the time, frequency, and duration of your activities and interactions), log files, and diagnostic, crash, website, and performance logs and reports. This also includes information about when you registered to use our Services; the features you use.
  • Device And Connection Information. We collect device and connection-specific information when you install, access, or use our Services. This includes information such as hardware model, operating system information, battery level, signal strength, app version, browser information, mobile network, connection information (including phone number, mobile operator or ISP), language and time zone, IP address, device operations information, and identifiers. Device Information - information about you: (a) from your mobile device or computer such as your device type, machine or mobile device identification number, Geolocation Information, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards.
  • Location Information. We collect and use precise location information from your device with your permission when you choose to use location-related features, like when you decide to add an address, search an address, perform a transaction or share your location with your contacts or view locations nearby or locations others have shared with you. There are certain settings relating to location-related information which you can find in your device settings or the in-app settings, such as location sharing. Even if you do not use our location-related features, we use IP addresses and other information like phone number area codes to estimate your general location (e.g., city and country). We also use your location that identifies with reasonable specificity your location by using, for instance, longitude and latitude coordinates obtained through GPS, Wi-Fi, or cell site triangulation. We will collect this data for fraud and risk purposes. In addition, some of our Services may ask you for permission to share your current location within your device settings to enhance our Services. If you do not agree to our collection of Geolocation Information, our Services may not function properly when you try to use them. For information about your ability to restrict the collection and use of Geolocation Information to enhance our Services, please refer to the settings available in your device.
  • Cookies. We use cookies to operate and provide our Services, including to provide our Services that are web-based, improve your experiences, understand how our Services are being used, and customize them. For example, we use cookies to provide our Services for web and desktop and other web-based services. We may also use cookies to understand which of our Help Center articles are most popular and to show you relevant content related to our Services. Additionally, we may use cookies to remember your choices, like your language preferences, to provide a safer experience, and otherwise to customize our Services for you. 

Third-Party Information

Our services may also contain third-party links and include third-party integrations. Through these links and third-party integrations, you may be providing information (including personal information) directly to the third party, us, or both. You acknowledge and agree that we are not responsible for how those third parties collect or use your information. As always, we encourage you to review the privacy policies of every third-party service that you visit or use, including those third parties you interact with through our services.

  • Information Others Provide About You. We receive information about you from other users. For example, when other users you know use our Services, they may provide your phone number, name, and other information (like information from their mobile address book) just as you may provide theirs. They may also send you messages, send messages to groups to which you belong, or call you. We require each of these users to have lawful rights to collect, use, and share your information before providing any information to us.
  • User Reports. Just as you can report other users, other users or third parties may also choose to report to us your interactions and your messages with them or others on our Services; for example, to report possible violations of our Terms or policies. When a report is made, we collect information on both the reporting user and reported user.
  • Businesses On NIMA. Businesses you interact with using our Services may provide us with information about their interactions with you. We require each of these businesses to act in accordance with applicable law when providing any information to us. When you message with a business on NIMA, keep in mind that the content you share may be visible to several people in that business. In addition, some businesses might be working with third-party service providers to help manage their communications with their customers. For example, a business may give such third-party service provider access to its communications to send, store, read, manage, or otherwise process them for the business. To understand how a business processes your information, including how it might share your information with third parties you should review that business’ privacy policy or contact the business directly.
  • Third-Party Service Providers. We work with third-party service providers to help us operate, provide, improve, understand, customize, support, and market our Services. For example, we work with them to distribute our apps; provide our technical and physical infrastructure, delivery, and other systems; provide engineering support, cybersecurity support, and operational support; supply location, map, and places information; process payments; help us understand how people use our Services; market our Services; help you connect with businesses using our Services; conduct surveys and research for us; ensure safety, security, and integrity; and help with customer service. These companies may provide us with information about you in certain circumstances; for example, app stores may provide us with reports to help us diagnose and fix service issues.
  • Third-Party Services. We allow you to use our Services in connection with third-party services. If you use our Services with such third-party services, we may receive information about you from them; Please note that when you use third-party service their own terms and privacy policies will govern your use of those services and products.

How We Use Information

We use information we have (subject to choices you make and applicable law) to operate, provide, improve, understand, customize, support, and market our Services. Here's how:

  • Our Services. We use information we have to operate and provide our Services, including providing customer support; completing purchases or transactions; improving, fixing, and customizing our Services. We also use information we have to understand how people use our Services; evaluate and improve our Services; research, develop, and test new services and features; and conduct troubleshooting activities. We also use your information to respond to you when you contact us.
  • Safety, Security, And Integrity. Safety, security, and integrity are an integral part of our Services. We use information we have to verify accounts and activity; combat harmful conduct; protect users against bad experiences and spam; and promote safety, security, and integrity on and off our Services, such as by investigating suspicious activity or violations of our Terms and policies, and to ensure our Services are being used legally.
  • Communications About Our Services. We use information we have to communicate with you about our Services and let you know about our terms, policies, and other important updates. We may provide you marketing for our Services.
  • Business Interactions. We enable you and third parties, like businesses, to communicate and interact with each other using our Services, such as NIMA Shop for businesses on NIMA through which you can browse products and services and place orders. Businesses may send you transaction, appointment, and shipping notifications; product and service updates; and marketing. For example, you may receive flight status information for upcoming travel, a receipt for something you purchased, or a notification when a delivery will be made. Messages you receive from a business could include an offer for something that might interest you. We do not want you to have a spammy experience; as with all of your messages, you can manage these communications, and we will honor the choices you make.

Information You And We Share

You share your information as you use and communicate through our Services, and we share your information to help us operate, provide, improve, understand, customize, support, and market our Services.

  • Send Your Information To Those With Whom You Choose To Communicate. You share your information (including messages) as you use and communicate through our Services.
  • Information Associated With Your Account. Your phone number, profile name and photo, "about" information, and message receipts are available to anyone who uses our Services, although you can configure your Services settings to manage certain information available to other users, including businesses, with whom you communicate.
  • Your Contacts And Others. Users, including businesses, with whom you communicate can store or reshare your information (including your phone number or messages) with others on and off our Services. You can use your Services settings and the “block” feature in our Services to manage who you communicate with on our Services and certain information you share.
  • Businesses On NIMA. We offer specific services to businesses such as providing them with metrics regarding their use of our Services.
  • Third-Party Service Providers. We work with third-party service providers to help us operate, provide, improve, understand, customize, support, and market our Services. We work with these companies to support our Services, such as to provide technical infrastructure, delivery and other systems; market our Services; conduct surveys and research for us; protect the safety, security, and integrity of users and others; and assist with customer service. When we share information with third-party service providers in this capacity, we require them to use your information on our behalf in accordance with our instructions and terms.
  • Third-Party Services. When you or others use third-party services that are integrated with our Services, those third-party services may receive information about what you or others share with them. If you interact with a third-party service linked through our Services, such as when you use the in-app player to play content from a third-party platform, information about you, like your IP address and the fact that you are a NIMA user, may be provided to such third party. Please note that when you use third-party services their own terms and privacy policies will govern your use of those services and products.

How long we keep your information

We store your information as long as necessary and as long as you’re a user of our service. We have different retention protocols in place depending on the information. As a general rule, we store the information we collect as long as you are actively using NIMA and in some cases, we only store information for a short period of time. Also note that we aggregate or anonymize information for certain purposes such as data analytics. Once we've anonymized the data we retain it indefinitely.

The following data is stored as long as you are actively using the NIMA apps:

  • Your name, username and phone number
  • Your age and profile picture
  • Encrypted elements from your address book
  • Friend requests and friend list
  • Your chats, voice notes, transcriptions, emojis and images
  • Location data
  • Your device and usage information

We take data deletion and retention very seriously. As a basic principle, we only keep the data we need to provide you with our awesome services.

Control over your information

  • Correct. You can also request us to correct your data. For example, if you think your home or work location is inaccurate, you can send a request directly in the app.
  • Account deletion. We don’t like seeing you leave us but if, for some reason, you want to delete your account you can always contact us at hello@nima.codes to request account deletion or do it directly from within the application on your profile page.

Assignment, Change Of Control, And Transfer

In the event that we are involved in a merger, acquisition, restructuring, bankruptcy, or sale of all or some of our assets, we will share your information with the successor entities or new owners in connection with the transaction in accordance with applicable data protection laws.

Contact Us

If you have questions or issues about our Privacy Policy, please contact us.