1. Who we are
Nia (“Nia”, “we”, “our”, “us”) is a family support coordination platform operated by Nia Holdings Inc., a Canadian corporation headquartered in Toronto, Ontario. Nia is not a bank, lender, money services business, remittance company, credit provider, BNPL service, or wallet. Nia does not hold or transfer money, and never extends credit, guarantees payment, approves financing, sets credit limits, collects debts, or manages repayments.
2. What we collect
We collect only the information needed to coordinate family support:
- Account info: name, email, phone number, country.
- Family info you add: family member names, phone numbers, the country they live in, the kind of support you want to plan.
- App activity: the support requests you create, supports you record as sent or received, status updates and receipts.
- Device + technical info: device type, browser, OS, IP address (for security only), error logs.
We do
not collect: precise location, photos, contacts list, microphone or camera access, advertising identifiers.
3. How we use it
- Run the coordination tool you signed up for.
- Send you reminders you opted into (school terms, scheduled releases, status updates).
- Send a one-time SMS or email verification code when you log in (via Twilio + Resend).
- Help you discover trusted local M-Pesa or MoMo partners if you subscribe to Nia Plus.
- Detect and prevent abuse, and respond to support requests you send our team.
4. Who we share it with
We share information only with the third parties needed to operate the platform:
- Twilio — SMS / WhatsApp verification and notification (your phone number only).
- Resend — email verification codes (your email only).
- Stripe — Nia Plus subscription processing (your name, email, and the amount you pay Nia; never your local partner's payment).
- MongoDB Atlas — our managed database (encrypted at rest, region-isolated).
- Local partners you choose — when you tap to message or call a local partner from inside Nia, you reveal your name and the family member you are coordinating for. Partners are independent third parties; we do not control their privacy practices.
We
never sell your personal data and we do not run third-party advertising trackers in the app.
5. How long we keep it
We keep your data while your account is active. When you delete your account, we soft-delete it immediately and hard-delete all personal data within 30 days, except for the minimum required by law which is anonymized.
6. Your rights
You can request a copy of your data, correct it, or delete it at any time:
- Delete in app: Profile → Delete account.
- Export in app: Profile → Export my data (one-tap JSON download).
- Correct / question: email info.niafinance@gmail.com. We respond within 30 days.
If you live in the EU/UK, you have the rights under the GDPR/UK-GDPR. If you live in Canada, you have the rights under PIPEDA. If you live in California, you have the rights under the CCPA.
7. Children
Nia is for adults 18+. We do not knowingly collect data from children under 18. If you believe we have, please contact us at info.niafinance@gmail.com and we will delete it.
8. Security
We use industry-standard encryption (TLS in transit, AES-256 at rest), short-lived JWT tokens stored in browser session storage (cleared on tab close), and SOC 2 Type II-attested infrastructure providers. We never store your M-Pesa or MoMo PINs — we don't handle money.
9. Changes
We will tell you in-app at least 14 days before making material changes to this policy.