Privacy Policy


updated 1/11/2019

 

ACCEPTANCE OF PRIVACY POLICY

By accessing and using the Naijapay Site or our Services, you agree that you have read, understood and accept all of the terms and conditions contained in this Privacy Policy. If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of the Naijapay Site and our Services.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to alter, amend or modify this Privacy Policy from time to time, in our sole discretion. We will provide you with notice of such changes by sending an e-mail, providing notice on the homepage of the Website and/or by posting the amended Privacy Policy via our Website and updating the “Last Updated” date at the top of this Privacy Policy. The amended Privacy Policy will be deemed effective immediately upon posting on the Website. Your continued use of the Naijapay Site and/or our Services constitutes your agreement to be bound by any such changes to this Privacy Policy. If you do not agree with this Privacy Policy or any amendment to it, you should discontinue access and use of the Naijapay Site and our Services.

DATA WE COLLECT

When you visit the Naijapay Site, you may provide us with two types of information: personal information that you voluntarily disclose or that is collected on an individual basis; and information collected automatically when you use the Naijapay Site or our Services including, without limitation, information that we obtain from our partners (collectively, the “Information”).

We collect and process this Information for the purpose of providing Services and information about our Services to you and/or to comply with legal requirements. You may be asked to provide personal information anytime you are in contact with us. Any information you provide to us that is not required is voluntary. You are free to choose whether to provide us with the types of personal information requested, but we may not be able to serve you as effectively or offer you all of our Services when you choose not to share certain information with us.

Personal Information

Personal information is data that can be used to identify you directly or indirectly, or to contact you. This Privacy Policy covers all personal information that you voluntarily submit to us and that we obtain from our partners. This Privacy Policy does not apply to anonymized data, as it cannot be used to identify you. Personal information means any information that is unique to you, such as your:

  •  full legal name, date of birth, age, nationality, gender, signature, utility bills, phone number, email address and home address;
  •  passport or other photo identification cards such as a driver’s license or national identification card, other photographs like selfies;
  •  user ID, security questions, authentication data, transaction information, financial information, cryptocurrency or wallet addresses; and
  •  other personal information you choose to provide. With your permission, we may also access other personal information on your device, such as your phone book, calendar or messages, in order to provide Services to you. If authorized by you, we may also access profile and other information from services like Facebook. We may also obtain information about you in order to comply with our legal obligations, such as anti-money laundering laws. We may obtain from third party sources as required or permitted by applicable law, such as public databases, credit bureaus, ID verification partners, channel partners, joint marketing partners, and social media platforms. For example, we obtain information about you from public databases and ID verification partners for purposes of verifying your identity when you sign up for our Services. Our ID verification partners use a combination of government records and publicly available information about you to verify your identity. Such information includes your name, address, job role, public employment profile, credit history, status on any sanction lists maintained by public authorities, and other relevant data. Pursuant to European Economic Area (“EEA”) data protection law, our lawful basis for processing such data is compliance with our legal obligations. In some cases, we may process additional data about you to ensure our Services are not being used fraudulently or for other illicit activities. By providing us with your personal information, you also consent for us to collect, hold, use and disclose your personal information in accordance with this Privacy Policy. In addition to providing the foregoing information, if you choose to correspond further with us through e-mail or through the “contact” section of the Naijapay Site or through events and public social networking platforms, we may retain, use and disclose the content of your messages together with your user ID or e-mail address and our responses.

 

HOW YOUR PERSONAL INFORMATION IS USED

The primary purpose for collecting your Information is to provide you with the best possible user experience and Services and to safeguard the security and stability of our systems. In general, we use Information to create, develop, operate, deliver, and improve our Services, content and marketing, to comply with our legal obligations, for anti-fraud purposes and for loss prevention. We may use your Information in the following ways:

  •  to provide, maintain, deliver or improve the Naijapay Site or our Services;
  •  for quality control and staff training to ensure we can provide you with the best user experience and accurate information;
  •  to monitor and analyze trends, usage and activities in connection with the Naijapay Site, to determine the usefulness or popularity of certain content and to better understand the online activity of users of the Naijapay Site;
  •  to fulfil our legal or regulatory requirements;
  •  to enforce the terms and conditions of our User Agreement and other agreements we may have with you or third parties;
  •  to ensure network and information security including processing your Information in order to enhance security, monitor and verify identity or service access, combat spam or other malware or security risks and to comply with applicable security laws and regulations;
  •  to provide you with the information or products or services that you have requested;
  •  to provide you with customer service including, without limitation, answering your inquiry or responding to a communication from you;
  •  for research and development purposes including developing new products or services;
  •  to send you technical notices, support or administrative notifications;
  •  to facilitate marketing and to communicate with you about news, products, services, events and other information we think will be of interest to you;
  •  to detect, investigate and prevent fraudulent transactions or unauthorized or illegal activities;
  •  to protect our interests, rights and property and that of others;
  •  to facilitate corporate acquisitions, mergers, or transactions;
  •  to link, connect or combine Information we collect from or about you with other Information; and
  •  to carry out any other purpose or reason for which the Information was collected.