Content

• Information Collection and Use
• Log Data
• Location Information
• What Information Do We Collect?
• The Purpose for Which We Will Use Your Data
• Information We Receive From Other Sources
• Disclosure of Your Information
• Changes to Personal Information
• Site Data
• Third-Party Tracking and Online Advertising
• Security
• International Transfer
• Links to Other Sites
• Your Legal Rights
• Changes to This Privacy Policy
• Contact Us

Information Collection and Use

While using our Platform, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to, your email address, name, phone number, and postal address (“Personal Information”).

Log Data

When you access the Platform by or through a mobile device, we may collect certain information automatically, including, but not limited to, 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 internet mobile browser you use, and other statistics (“Log Data”). In addition, we may use third-party platforms such as Google Analytics, that collect, monitor, and analyze this type of information in order to increase our Platform’s functionality. These third-party platform providers have their own privacy policies addressing how they use such information.

Location Information

We may use and store information about your location if you give us permission to do so. We use this information to provide features of our Platform, to improve and customize our Platform. You can enable or disable location Platform when you use our Platform at any time through your mobile device settings.

What Information Do We Collect?

The categories of information we collect can include:

• Business and financial information as a prerequisite to you being authorized to use the Platform to open an account. The collection of business information may include, but is not limited to, your business name, tax identification number, business address, business telephone number, business bank account information, business-related documentation, and email address. In addition, the beneficial owners of the business will be required to provide personal information including, but not limited to their name, address, date of birth, National Identification Number (NIN), telephone number, a photo of their international passport or driver's license, and other similar information. Additional information will be requested at account opening and may be requested throughout the life of the account relationship to meet regulatory and legal requirements.
• Data collected through the use of the Platform. We collect information about how you use the Platform, your actions on the Platform, and your communications with us through the Platform. If you need to update your permissions, you can do so in the "Settings'' app of your device. Please remember that Payorboro may, but has no obligation to, monitor, record, and store information you provide to Payorboro and information we collect about you to protect your safety or the safety of other users, to assist with regulatory or law enforcement efforts, or to protect and defend our rights and property. By using the Service, you consent to the recording, storage, and disclosure of such communications you send or receive for these purposes.
• The Central Bank of Nigeria (Anti-money Laundering and Combating the Financing of Terrorism and Countering Proliferation Financing of Weapons of Mass Destruction in Financial Institutions) Regulations, 2022 (AML/CFT Regulation), which helps the government fight the funding of terrorism and money laundering activities, requires financial institutions to obtain, verify, and record information that identifies each business that opens an account and the personal information of its owners or representatives. Bear in mind that when applying for an account, we will ask for the following details on behalf of financial institution(s).
• The personally identifiable information about the business owners, administrators, and/or authorized users such as name, address, date of birth, NIN, telephone number, and other information that will allow financial institution(s) to confirm your identity.
• We may also ask for details about the business owner’s, administrators’, and/or authorized user’s driver’s license number, international passport information, or other identifying information.
• We may also collect photos, text, videos, or any other information you upload and/or send through our Platform.
• Information collected from your device when you use our Platform. We may collect information from your computer or mobile device, such as the unique identification number, the model, operating system and version, your browser type and version, the presence of any device, operating system, or browser add-ons, the times you access our Services, the locations from where you access our Services (attributed based on your IP address, the page you visited before navigating to our Services, and your mobile device’s location services), and your stored contacts.

The Purpose for Which We Will Use Your Data?

We may use information held about you in the following ways:

• To carry out our obligations arising from any contract entered into between you and us, and to provide you with the information, products, and Platform that you request from us.
• To provide you with information about other goods and Platforms 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 Platforms 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 Platforms similar to those which were the subject of a previous sale or negotiations of 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 onto 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 Platform.
• To administer our site for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
• To measure or understand the effectiveness of advertising we send to you and others, and to deliver relevant advertising to you.
• To make suggestions and recommendations to you and other users of our sites about goods or Platforms that may interest you or them, identify your preferences, and personalize your experience with the Platform.

Disclosure of Your Information

We will share your personal information with third parties only in the ways that are described in this Privacy Policy. We may disclose personal information that we collect or you provide, as described in this Privacy Policy, in the following ways:

• Subsidiaries and Affiliates: We may share your information with our subsidiaries and affiliates for purposes consistent with this Privacy Policy.
• Service Providers: We may share your information with service providers and vendors to prepare, deploy and analyze advertising content.
• Corporate Restructuring: We may share your information in connection with or during negotiation of any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
• Third-Party Partners: We also share information about your use of the Platform with our trusted social media, advertising, and analytics partners. We may also provide them with other data about you or your device to help them serve you better.
• Legal Disclosure: We may share your information to comply with any court order, law, or legal process, including responding to any government or regulatory request; to enforce
• our policies, or to protect our or others' rights, property, or safety. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
• To make suggestions and recommendations to you and other users of our sites about goods or Platforms that may interest you or them, identify your preferences, and personalize your experience with the Platform

Changes to Personal Information

If your personal information changes, or if you no longer desire to use our Platform, you may correct, update, or delete inaccuracies by making the change on your account settings page or by contacting us at the contact information listed below. We will respond to your access request within a reasonable timeframe. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Site Data

We may collect information about how you use the Platform, your actions on the Platform, and your communications with us through the Platform. This data may include, but is not limited to, your IP address, the type of device you use to access the Platform, your browser type, and information about your operating system. We may use third-party analytics tools to help us measure traffic and usage trends for the Platform.

Third-Party Tracking and Online Advertising

We may permit third-party companies to use cookies, web beacons, and other tracking technologies to collect information about your use of our Platform and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages, links clicked, and conversion information. This information may be used by Payorboro and third parties to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Platform and other websites and applications, and better understand your online activity.

Some of this information may be combined with other information collected from other sources. These third-party service providers may also provide us with information about you. For example, we may receive demographic or interest data from social media platforms, and may also use information you provide us, along with other data, to serve you relevant ads on third-party platforms.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We implement a variety of security measures to maintain the safety of your personal information when you use our Platform. These measures include encryption, access controls, and secure storage technologies.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We implement a variety of security measures to maintain the safety of your personal information when you use our Platform. These measures include encryption, access controls, and secure storage technologies.

International Transfer

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We implement a variety of security measures to maintain the safety of your personal information when you use our Platform. These measures include encryption, access controls, and secure storage technologies.

Links To Other Sites

Our Platform may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site.We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content or Platform.

Legal Rights

You have the right to:

Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us. Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request. Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms. Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios. If you want us to establish the data’s accuracy. Where our use of the data is unlawful but you do not want us to erase it. Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims. You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it. Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you. Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or Platforms to you. We will advise you if this is the case at the time you withdraw your consent.

Legal Rights

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.