Who we are
AGTrivo is operated by AG Trade Services Limited (RC 1815059), Wuse 2, Abuja, Nigeria. We are responsible for the personal data in AGTrivo. Fleet owners who use AGTrivo are responsible for the records they keep about their own riders and staff.
What we collect
- Account details: name, email, phone number, company name and registration number.
- Rider details entered by a fleet owner: name, phone number, address, guarantor details, licence details, and identity verification results. A BVN is kept only as its last four digits.
- Agreements and payments: vehicles, repayment schedules, payments, receipts and arrears.
- Usage records: sign-ins, an audit log of changes, and error reports, used to keep the service secure.
Why we use it
- To run hire-purchase and lease agreements: schedules, collections, receipts and statements.
- To send payment receipts and reminders. Reminder calls are limited to 8am to 8pm and three a day, and stop once a payment arrives. Riders can opt out of calls.
- To flag riders who are falling behind. Every flag carries a written reason, and a person decides what happens next.
- To meet legal, tax and record-keeping duties, and to prevent fraud.
Who can see it
- The fleet owner and the staff they authorise, limited by each staff member's role.
- A rider can see their own payment record and receipts.
- AG Trade Services Limited administrators, for support, verification and compliance.
- Service providers that deliver SMS, email, payments and identity checks for us, only for that purpose.
- AI assistants connected by a fleet owner. A fleet owner on a Pro plan or above may connect an AI assistant to their own account. It can read that owner's fleet, payment records and risk flags, read-only. It never receives full phone numbers, identity numbers, addresses or bank details, cannot change any record or contact anyone, and every lookup is logged. The owner can disconnect it at any time.
We do not sell personal data, and we do not use it for advertising.
How we protect it
Identity numbers are shown only as their last four digits to everyone except AG Trade Services Limited administrators. Passwords are stored only as secure hashes, and two-step sign-in secrets are encrypted. Access tokens are stored as hashes and can be revoked. Every change is recorded in an audit log that cannot be edited. Operator contact details are released only with that operator's consent, for a limited time.
How long we keep it
For as long as an account or agreement is active, and afterwards for as long as the law requires us to keep financial and tax records. Then it is deleted or anonymised.
Your rights
Under the Nigeria Data Protection Act 2023 you can ask to see the personal data we hold about you, to correct it, to have it deleted where we are not required to keep it, to object to some uses, and to receive a copy. To make a request, email privacy@agtrivo.com; we reply within 30 days. Riders can also ask their fleet owner directly. You may complain to the Nigeria Data Protection Commission.
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Make a data protection request
To see, correct, delete or receive a copy of your personal data, or to object to how it is used, write to our data protection team.
- Your full name, and the email or phone number on your account.
- What you are asking for: a copy, a correction, deletion, or an objection.
- We may ask you to confirm your identity before we act, to protect your data.
We reply within 30 days. To report a security weakness, see the Security page. For anything else, contact support.