Privacy Policy

Last updated December 7, 2023

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I understand

At Akopesam Credit, the privacy of our Data Subjects and their Personal Data is of utmost importance to us and in line with our resolution, we have developed this Privacy Policy to explain your privacy rights, particularly regarding how we collect, process, retain, share and protect your Personal Data when you visit our website and digital platforms (collectively, "the ‘Platform’” or "Services").

This Privacy Policy between Akopesam Credit and you constitutes our commitment to your continued privacy on all our platforms. It is designed to provide information regarding our privacy practices and help you understand how we handle your data.

Consent

When you access our platforms and give your consent upon such access, you accept this privacy policy; in particular, as you use the services offered on our website and digital platform and submit your data for official and non-official basis.

What Personal Data do we collect?

We collect Personal Data about you when you use the services offered on our website and digital platform, including the following:

Sign-up information: When you register to use the services offered on our digital platform, we will collect Personal Data as necessary to offer and fulfil the service you request. We may require that you provide us with your name, service number, current posting, email address, mobile number and debit card details to create an account. We may also require you to provide additional, necessary personal details as you use our services.

Usage Data is collected automatically when using the Service: Usage Data may include information such as your Device’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, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service 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 mobile Internet browser you use, unique device identifiers and other diagnostic data. 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.

Information from Third-Party Social Media Services: The Company allows you to create an account and log in to use the Service through the following Third-party Social Media Services: Google, Facebook, etc.

If you decide to register through or otherwise grant us access to a Third-Party Social Media Service, we may collect Personal data that is already associated with your Third-Party Social Media Service’s account, such as your name, your email address, your activities or your contact list associated with that account.

You may also have the option of sharing additional information with the Company through your Third-Party Social Media Service’s account. If you choose to provide such information and Personal Data, during registration or otherwise, you are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.

Children’s Privacy: 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 child or ward has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from anyone under the age of 18, we take steps to remove that information from our servers.

Use of Your Personal Data

To provide and maintain our Service, including to monitor the usage of our Service.
To manage your Account: to manage your registration as a user of the Service. The Personal Data you provide can give you access to different functionalities of the Service that are available to you as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services you have purchased or of any other contract with us through the Service.
To contact You: To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide you with news, special offers and general information about other services and events which we offer that are similar to those that you have already subscribed or enquired about unless you have opted not to receive such information.
To manage your requests: to attend and manage your requests to us.
For business transfers: We may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by us about our Service users is among the assets transferred.
For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share your personal information in the following situations:

With Service Providers: We may share your personal information with Service Providers to monitor and analyze the use of our Service, to contact you.

With business partners: We may share your information with business partners to offer you certain products, services or promotions.

With other users: when you share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If you interact with other users or register through a Third-Party Social Media Service, your contacts on the Third-Party Social Media Service may see your name, profile, pictures and description of your activity. Similarly, other users will be able to view descriptions of your activity, communicate with you and view your profile.

With your consent: We may disclose your personal information for any other purpose with your consent.

Retention of Your Personal Data

The Company will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

How We Use Cookies

Cookies are small files placed on your device’s browser that enable the website to identify your device as you view different pages. Like most interactive websites, our website uses cookies to enable us track of your activity for the duration of a session. Our website uses only encrypted session cookies which are erased either after a predefined timeout period or once the user logs out of the platform and closes the browser. Session cookies do not collect information from your device. They will typically store data in the form of a session identification that does not personally identify you. Certain aspects of our website are only available through the use of cookies, so your use of our website may be limited or not possible if you choose to disable or decline cookies.

What Are Your Rights?

Requests to Access, Rectify or Erase.

Access Request

As permitted under law and applicable data privacy regulations, you have the right to ask us whether we hold any Personal Data relating to you and, if we do, to be provided with a copy of that Personal Data in electronic form, unless you want to receive it in any other way (for example, a paper copy). In addition, you can ask us for information on how we use your Personal Data, who we share it with, how long we keep it, where it is stored, and other information to help you understand how we use it.

Rectification Request

You have the right to ask us to correct your Personal Data (including by means of providing a supplementary statement) if it is inaccurate, or update outdated or incomplete Personal Data without undue delay. Where we cannot correct the Personal Data, we include a note on our files regarding your request to correct your Personal Data.

Erasure Request

Your Personal Data are no longer necessary for the purpose(s) they were collected for.
Your Personal Data have been unlawfully processed.
Your Personal Data must be erased to comply with a regulation.
You withdraw your consent for the processing of the Personal Data (and if this is the only basis on which we are processing your Personal Data).
You object to the possession, provided there are no overriding legitimate grounds for continued processing, or

You object to processing for direct marketing purposes.

To exercise our right of freedom of expression and information.
To comply with the NDPR and relevant Nigerian laws.
For the performance of a task carried out in the public interest or to exercise some official authority vested in us.
To establish, exercise or defend legal claims.

In these cases, we can restrict the processing instead of erasing your Personal Data if requested to do so by you.

Requests to Object: You have the right to object at any time to the processing of your Personal Data if we process it based on our legitimate interests. This includes any so-called “profiling”. Our privacy notice informs you when we rely on legitimate interests to process your Personal Data. In these cases, we will stop processing your Personal Data unless we can demonstrate compelling legitimate reasons for continuing the processing. We may reject your request if the processing of your Personal Data is needed to establish, exercise or defend legal claims. You have the right to object at any time if we process your Personal Data for direct marketing purposes. You may also object at any time to profiling supporting our direct marketing. In such cases, we will stop processing your Personal Data when we receive your objection.

Requests to Restrict: You have the right to ask us to restrict the processing of your Personal Data if:

You contest the accuracy of your Personal Data and we are in the process of verifying the Personal Data we hold.

The processing is unlawful and you do not want us to erase your Personal Data.

We no longer need your Personal Data for the original purpose(s) of processing, but you need them to establish, exercise or defend legal claims and you do not want us to delete the Personal Data as a result, or

You have objected to processing carried out because of our legitimate interests while we verify if our legitimate grounds override yours.

If processing is restricted, we may process your Personal Data (excepting for storage purposes), only:

If you have given us your consent.

For establishing, exercising or defending legal claims.

For protecting the rights of another natural or legal person, or

For reasons of important public interest as defined under the NDPR and relevant Nigerian laws.

Once processing is restricted following your request, we will inform you before we lift the restriction.

Requests for Portability: If our processing is performed by computer and is necessary to fulfil a contract with you, or is based on your consent, you have the right to:

Receive any Personal Data you have provided to us in a structured, commonly used and machine-readable electronic format.

Send your Personal Data to another organization or have us do so for you if it is technically feasible for us to do so.

If your request relates to a set of Personal Data that also concerns other individuals, we may restrict the transfer to only the portion relevant to you, unless you establish that you have also gotten their consent.

Requests to Object to Automated Decisions: Generally, you have the right to object to any legal decision concerning you or which otherwise significantly affects you if this is based solely on the automated processing of your Personal Data. This includes automated decisions based on profiling. In such instance, you may undertake a legal process to prevent or advance your rights.

Otherwise, we may refuse your request regarding such automated decisions where:

Necessary to enter into a contract with you, or for the performance of your contract with us.

Permitted by regulations, or

Based on your explicit consent.

Our actions on the automated processing involving your sensitive Personal Data (where you have given your explicit consent or the processing is necessary for reasons of substantial public interest), are in complete compliance with the NDPR and relevant laws.

How Do We Protect Your Personal Data?

Security

We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration. The security measures include firewalls, data encryption, quality control, as well as information access authorization controls.

Confidentiality

Your Personal Data is regarded as confidential and will not be divulged to any third party, except under legal and/or regulatory conditions. You have the right to request sight of, and copies of any and all information we keep on you, if such requests are made in compliance with the Freedom of Information Act and other relevant enactments.

While we are dedicated to securing our systems and services and safeguarding the information entrusted to us, your role in fulfilling confidentiality duties includes, but is not limited to, adopting and enforcing appropriate security measures such as securing and maintaining the privacy of your password(s) and account/profile registration information, verifying that the Personal Data we maintain of you is accurate and current.

We will inform you of any breaches which may affect your Personal Data.

Remedies for Violation and Time-frame for Remedy

In the event of violation of this policy, our Data Protection Officer shall within 7 days redress the violation. Where the violation pertains to the disclosure of your Personal Data without your consent, such information shall be retracted immediately, and confirmation of the retraction sent to you within 48 hours of the redress.

Governing Law

This Privacy Policy is made according to the Nigeria Data Protection Regulation (2019) or any other relevant Nigerian laws, regulations or international conventions applicable to Nigeria.

Changes to our Privacy Policy

This privacy policy is reviewed periodically and when there is any substantial change to business or regulatory requirements. The revised Privacy Policy will be effective as of the published updated date. At the minimum, we shall review this annually and communicate via our communication channels such as Website, Social Media Accounts etc. If the revised version includes a substantial change, we may notify you of the change using emails or other means.

How Does Your Personal Data Move Globally?

Our operations are supported by a network of computers, cloud-based services and other infrastructure and information technology. Your Personal Data will be stored in Nigeria where we are providing Services to you, except where you provide your consent for your Personal Data to be processed outside Nigeria to enable us process your transactions. Data are stored with appropriate encryption method and security standards. We will protect your information as prescribed in the Privacy Policy if your Personal Data is transferred out of Nigeria. By using our Platform and Services, you consent to your Personal Data being transferred out of Nigeria, to a jurisdiction which has adequate data protection laws as prescribed in the NDPR.

If you have any general questions or concerns about this Privacy Policy or the way in which we handle your Personal Data, kindly contact us via the details below:

Akopesam Credit

4, Isolo Road Mushin, Lagos

Email: support@akopesamcredits.com