Privacy policy.

This Privacy Policy explains how Athena, operated by Artemis Ltd, collects, uses, stores, and protects personal information when you use the Platform.

By creating an account or using Athena, you consent to the collection and processing of information as described in this Privacy Policy.

Depending on your account tier and use of the Platform, Athena may collect:

• Full name
• Email address
• Phone number
• Date of birth
• Bank account information
• National Identification Number (NIN)
• Residential address
• Bank Verification Number (BVN)
• Facial biometric verification information

Athena may also collect:

• Device information
• IP addresses
• Browser information
• Cookies and analytics information
• Transaction history
• Wallet addresses
• Customer support communications

Athena uses collected information to:

• Create and manage accounts
• Provide platform services
• Verify user identity
• Process transactions
• Improve platform performance
• Respond to support requests
• Maintain platform security
• Comply with legal and regulatory obligations

Where facial biometric verification is required, Athena may collect and process biometric information for identity verification, account security, fraud prevention, and compliance purposes.

Biometric information is only used for legitimate operational and security purposes related to the Platform.

Athena does not sell personal information.

Athena may disclose information:

• Where required by law
• In response to valid court orders
• In response to lawful regulatory requests
• To protect the rights, safety, and security of Athena, its users, or the public
• To third-party providers where users explicitly choose to use products or services that require such integration

Athena does not share user information for third-party marketing purposes without consent.

Athena may use cookies, analytics tools, and similar technologies to:

• Authenticate users
• Maintain account sessions
• Understand platform usage
• Improve platform performance
• Detect technical issues

Users may manage certain cookie preferences through their browser settings.

Athena may retain personal information for up to five years following permanent account deletion.

Information may be retained longer where required by law, court order, regulatory obligation, or ongoing investigations.

Athena implements reasonable technical, administrative, and organizational measures designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

No security system can guarantee absolute protection against every threat or attack.

Subject to applicable law, users may request:

• Access to personal information
• Correction of inaccurate information
• Deletion of eligible information
• Withdrawal of consent where applicable

Certain requests may be limited where Athena is legally required to retain information.

Athena may update this Privacy Policy from time to time.

Material changes may be communicated through the Platform or by other appropriate means.

Questions regarding this Privacy Policy may be directed to hello@myathena.app.