Privacy Policy

Introduction

BorrowBuddy Nexus (“BorrowBuddy,” “we,” “our,” or “us”) is committed to protecting your privacy. We operate a community platform that allows individuals and organizations to connect, share resources, and access services in a secure environment. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our website, mobile applications, or related services. By continuing to use BorrowBuddy, you acknowledge that you have read and understood this Policy.

Who We Are

BorrowBuddy Nexus is registered in the United States and serves users across multiple countries, including the United States, United Kingdom, Ghana, Nigeria, India, Australia, and the United Arab Emirates.

You can reach us at hello@borrowbuddynexus.com or borrowbuddynexus@gmail.com.

Information We Collect

When you interact with BorrowBuddy, we collect information necessary to provide and secure our services. This may include personal details such as your name, email address, phone number, residential address, and date of birth. For identity verification, we may request government-issued identification, proof of address, or biometric checks where permitted by law. If you subscribe to a paid plan, we may process payment details and subscription/billing history through trusted third-party providers.

BorrowBuddy also collects information you choose to share within the community, such as listings, reviews, ratings, event registrations, or uploaded files. Technical data like IP addresses, device type, browser information, and crash reports are automatically logged to help us maintain system security and performance. We may also collect usage data, including pages visited, features used, and session history, as well as location data when enabled to support local services and events.

How We Use Your Information

We use your information to create and manage accounts, verify identities, facilitate borrowing and lending, process subscription billing, and support caregiving and community services. Your data also helps us improve platform functionality, personalize recommendations, and maintain trust and safety.

SMS / Mobile Messaging Consent and Data Protection

When you provide your mobile number and opt in to receive messages from BorrowBuddy Nexus, you consent to receive recurring SMS or MMS communications related to your account, verification notices, community updates, and transactional alerts. We will only use your mobile number for the purposes described above. Your opt-in data, consent records, and messaging details will not be shared, sold, rented, or transferred to third parties for marketing or promotional use.

You may opt out of SMS communications at any time by replying “STOP” to any message you receive from us. After opting out, you will no longer receive SMS messages, although we may still contact you through other methods if necessary for account or legal purposes. Standard message and data rates may apply depending on your mobile carrier. BorrowBuddy Nexus maintains appropriate safeguards to protect your mobile number and consent records in compliance with applicable privacy and telecommunications regulations.

Legal Basis

Depending on your jurisdiction, we process personal data based on your consent, contractual necessity, compliance with legal obligations, or legitimate business interests.

Sharing of Information

BorrowBuddy does not sell or rent your personal information. We share data only with trusted third parties who are essential to delivering our services, such as payment processors, identity verification providers, cloud hosting partners, and customer support providers. Information may also be disclosed to government authorities when legally required or to professional advisors in the context of audits or legal proceedings.

Data Security

We take reasonable measures to protect your information, including encryption, secure servers, and access controls. While no system can guarantee absolute security, we strive to minimize risks of unauthorized access, misuse, or loss.

Data Retention

Your information is retained only for as long as necessary to provide services, comply with legal obligations, resolve disputes, and prevent fraud. Once data is no longer required, it is securely deleted or anonymized.

Your Rights

Depending on your country of residence, you may have the right to access, correct, or delete your personal information, restrict or object to processing, withdraw consent, or request data portability. To exercise these rights, please contact us at hello@borrowbuddynexus.com.

Children’s Privacy

BorrowBuddy is intended for users aged 18 and above. We do not knowingly collect personal information from children without appropriate parental or guardian consent.

International Transfers

Because BorrowBuddy operates globally, your information may be transferred to and processed in countries outside your residence. We implement safeguards to ensure compliance with applicable data protection laws.

Updates

We may update this Privacy Policy to reflect changes in law or services. Updates will be posted with a revised “Last Updated” date, and where legally required, we will notify you of material changes.

Contact Us

• Entity Name: BorrowBuddy Nexus
• Email: hello@borrowbuddynexus.com / borrowbuddynexus@gmail.com
• Operating Regions: United States, United Kingdom, Ghana, and other supported countries