PRIVACY POLICY

INTRODUCTION

This blockchain mobile Platform, Naija Cowry (“Platform”), is operated by Naija Cowry Technology Limited (hereinafter referred to as “we”, “our”, “us” or “Naija Cowry”).

We are committed to the protection of all personal information that you may provide to us. This privacy policy (“Policy”), together with our terms of use naijacowry.com/terms and any other documents referred to on it, sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.

By visiting and accessing our Platform [or mobile platform], you are accepting and consenting to the terms and conditions in this Policy. If you do not agree to this Policy, please do not access our Platform.

THE INFORMATION THAT WE COLLECT FROM YOU

We may receive, use, store and transfer different kinds of personal data about you including the following:

  • Identity Data: includes [first name, last name, maiden name, username or similar identifier, marital status, title, date of birth, gender].

  • Contact Data: includes [billing address, delivery address, email address and telephone numbers].

  • Financial Data: includes [bank account and payment card details].

  • Transaction Data: includes [details about your transactions].

  • Device Data: includes [information on the devices with which you access the platform].

  • Profile Data: includes [your username and password, picture, transaction history, your interests, preferences, feedback and survey responses].

  • Usage Data: includes [details of your use of our services ].

  • Marketing and Communications Data: includes [your preferences in receiving marketing from us and our third parties and your communication preferences].

  • Location Data: includes [your current location disclosed by GPS technology or any other location territory].

  • We may also collect, use and share aggregated data such as statistical or demographic data for any purpose. Aggregated data could be derived from your personal data but is not considered personal data as this data will not directly or indirectly reveal your identity. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific Platform feature.


    INFORMATION FROM OTHER SOURCES

    This is information we receive about you if you use any of the other Platforms we operate or the other services we provide.

    When you create an account with us, we may collect information, including nonpublic personal information, about you from third party service providers in order to verify your identity and for fraud prevention, including your prior addresses and names.

    COOKIES

    We use cookies to distinguish you from other users of our Platform and to remember your preferences. This helps us to provide you with a good experience when you access our Platform and allows us to improve our site.

    You can set your browser to refuse all or some browser cookies or to alert you when Platforms set or access cookies. If you disable or refuse cookies, please note that some parts of this Platform may become inaccessible or not function properly.

    THE PURPOSE FOR WHICH WE WILL USE YOUR DATA

    The information that we collect from you - We may use information held about you in the following ways:

  • to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;

  • to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;

  • to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data;

  • to ensure that content from our site is presented in the most effective manner for you and to notify you about changes to our service;

  • to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;

  • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; and

  • to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.
  • Information we receive from other sources - We will combine this information with information you give to us and information we collect about you. We will use this information and the combined information for the purposes set out above (depending on the types of information we receive).

    DISCLOSURE OF YOUR PERSONAL INFORMATION

    You agree that we have the right to share your personal information:

  • with any of our affiliated companies and service providers;

  • with financial service providers, including the financial institutions identified in your cardholder bank agreement that provide banking services in connection with your account;

  • with another user, when you sign up for our services via a referral link. The user that referred you may receive information indicating that you have enrolled with us;

  • with non-financial companies, such as email service providers that perform marketing services on our behalf, and fraud prevention service providers that use the information to provide services to us;

  • with a non-affiliated third-party to access and transmit your personal and financial information from a relevant financial institution. You grant the third-party the right, power, and authority to access and transmit this information according to terms of their privacy policy;

  • with selected third parties including business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you;

  • with third parties to whom we may choose to sell, transfer or merge parts of our business or our assets or alternatively, acquire all or parts of their businesses;

  • in response to a request for information, if we are required by, or we believe disclosure is in accordance with, any applicable law, regulation or legal process; and

  • with relevant law enforcement officials or other third parties, such as investigators or auditors, if we believe it is appropriate to investigate fraud.

  • TRANSFER TO THIRD PARTIES

    We may provide other users with your personal information to complete a transaction. Such information may include your name, account identity, contact details or such additional information required information for the transaction.

    We work with third parties, including, Stellar Blockchain Network, Flutterwave, AfricasTalking and other financial institutions to enable an efficient system and the conversion of cowry to Naira.

    THIRD PARTY LINKS

    Our Platform may, from time to time contain links, to and from the Platforms of our partner networks, advertisers and affiliates. Please note that these Platforms and any services that may be accessible through them have their own privacy policies and that we do not accept any responsibility or liability for these policies or for any personal data, such as contact and location data, which may be collected through these Platforms or services. Please check these policies before you submit any personal data to these Platforms or use these services.

    CHANGES TO PERSONAL INFORMATION

    It is imperative that your data with us is current and accurate. You may request for the rectification of any personal data that we hold about you so as to enable you to correct any incomplete or inaccurate data we hold about you. We may, however, need to verify the accuracy of the new data you provide to us.

    DATA SECURITY AND RETENTION

    We deploy strict physical, electronic, and administrative security measures to protect your information from access by unauthorised persons, against unlawful processing and foreseeable hazards and breaches when online.

    We will retain your data for as long as necessary for the said purpose of the processing, and after that, we will keep your data as long as the law requires.

    CHANGES TO THIS POLICY

    We may periodically update this Policy without notifying you, but we will display a conspicuous notice on this Platform to inform you of any significant changes to our Policy.

    Please check back frequently to see whether there are any updates or changes to this Policy.

    COMPLAINTS

    If you have any questions about this privacy policy or our privacy practices, please contact our customer service in the following ways:

    Full name of legal entity: Naija Cowry Technology Limited

    Email address: info@naijacowry.com

    Postal address: 60, Chief Monday Imo Crescent, Ago Palace Way, Okota, Lagos

    Telephone number: +2349081950000