By using the Service, you agree to the collection and use of your personal information in accordance with this policy.
We collect different types of information for various purposes to provide and improve our Service to you.
We collect personal data, or personal information provided by you with which you can be identified. When you sign up to the platform and provide details such as your name, ID (passport data page, national ID), biometric data/BVN, your photograph, house address, email address, phone number, voice recordings (when you call our helpline), collateral information and other details which would enhance your Service experience
This includes information on any bank accounts you use, debit card numbers, financial history, information you provide to deliver payment initiation services and account information services regarding accounts you hold with other providers.
We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data").
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit and the time spent on those pages amongst other diagnostic data.
When you access the Service by or through a mobile device this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. You can also refuse permission to read your device data by the Platform. However, if you do not accept cookies on your browser or allow permissions on your mobile device, our online service experience to you may be degraded and you may not be able to use some portions of our Service.
Examples of cookies we use:
We may also process specific categories of information for specific and limited purposes, such as detecting and preventing financial crime or making our services available to customers. We will only treat particular types of information where we have obtained your explicit consent or are otherwise lawfully permitted to do so.
We use the collected data for various purposes such as to:
We may share the information about you and your dealings with us, to the extent permitted by law, with the following:
We may disclose your Personal Data in the good faith and belief that such action is necessary and will not disclose your Personal Information to anyone except in any of the following circumstances:
We will keep your personal data for as long as we have a relationship with you, i.e. for as long as you use the service, remain validly subscribed to our newsletter or partake in surveys. Once that relationship with you has come to an end (e.g. following closure of your account) or cancellation of your subscription to the Service, we will not gather or collect any new information about you.
Once the relationship is over, we will only retain personal data for a period of time. This period will vary depending on the purpose for which we hold that information and subject to business or legal and regulatory requirements.
We have implemented appropriate organisational and technical measures to keep your Personal Information/Data confidential and secure. This includes the use of encryption, access controls and other forms of security to ensure that your data is protected. We require all parties including our staff and third-parties processing data on our behalf to comply with relevant policies and guidelines. Where you have a password which grants you access to specific areas on our site or to any of our services, you are responsible for keeping this password confidential. We request that you do not to share your password or other authentication details (e.g. token generated codes) with anyone.
The security of your data is important to us but be aware that no method of transmission over the Internet, or method of electronic storage can guarantee 100% security at all times. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. You are responsible for securing and maintaining the privacy of your password and Account/profile registration information and verifying that the Personal Data we maintain about you is valid, accurate and up to date. If we receive instructions using your account login information, we will consider that you have authorized the instructions and process your instruction accordingly and without incurring any liability for doing so. We reserve the right, in our sole discretion, to refuse to provide our services, terminate your account, remove or edit content.
You have certain rights in relation to the personal data we collect as provided by the Nigeria Data Protection Regulation 2019 (NDPR), these rights include:
These rights are however subject to certain limitations as provided in the NDPR.
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform specific Service-related roles or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose outside of the service-specific need for which the data is required.
Our Service does not address anyone under the age of 18 ("Minors").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have erroneously collected Personal Data from Minors without verification of parental consent, we will promptly remove that information from our servers.
Our services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.
Our service may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.