Privacy Policy

Last updated: 11 July 2022

PRIVACY CONDITIONS
This privacy policy describes how we collect, use, store, share and protect your personal information. It applies to our website and all related sites, applications, services and tools regardless of how you access or use them. This Privacy Policy forms part of our Customer Agreement. Therefore, whenever you access or use our services, website, software, applications, products and content, you agree to this Privacy Policy and our Customer Agreement.
We value the privacy of our Users and as such, we are dedicated to safeguarding the information given to us in the ways we know best. We carry out our services in strict compliance with the Nigeria Data Protection Regulation (NDPR) and the General Data Protection Regulation (GDPR).This Privacy Policy applies to services that are owned and controlled by LINK. We do not have control over other third-party sites displayed or linked from within our various services. These other sites may place their own cookies, plug-ins or other files on your computer, collect data or solicit personal information from you. LINK does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements and set appropriate controls from your setting when using any third-party services.

‍1. Data we collect about you
‍We will collect and process the following data about you:

Identity Data: Information such as, your full name(s), your government-issued identity number, social security number, and your date of birth. This data is to enable us to verify your identity in order to offer our services to you;
Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use and billing details;Identification documents :(such as your passport or any Government-issued identity card), a photograph (if applicable) and any other registration information you may provide to prove you are eligible to use our services and in compliance with regulatory requirements on Know Your Customer (KYC). We may also need additional commercial and/or identification information from you, for instance, if you execute certain high-value or high-volume transactions or when we need to comply with our anti-money laundering obligations under applicable law;
Log/Technical information: When you access LINK services, our servers automatically record information that your browser sends whenever you visit a website, such as Internet protocol (IP) address, browser type and version, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details.
Financial Data: Information, such as Bank Verification Number (BVN), personal account number, name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
Transactional Data: These are information relating to a payment when you are using our products or services;
Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties.
Information from Other Sources: We may receive information about you if you use any of the other websites we operate or the other services we provide. We may also receive information about you from third-parties we work with.
Information from Social Networks: If you log in to our Services through your social media account, we will receive relevant information necessary to enable our Services and authenticate you. The social media network will provide us with access to certain information that you have provided to them, including your name, profile image and e-mail address.
The information gotten from the social network is used together with any other information you provided us (when registering or using our services) to create your account and to communicate with you about the products and services we offer.
Records of your discussions with us, if we contact you and if you contact us.

‍2. Purpose of Processing Personal Information
‍We process your personal data for the following reasons:
To create and manage any accounts you may have with us, verify your identity, provide our services, and respond to your inquiries;
To enable us carry out our obligations relating to your contract with us and to take steps at your request prior to entering into such contract;
To comply with any applicable legal and/or regulatory requirements;
constantly improving our Services and to ensure that they are presented in the most effective manner;
Measuring or understanding the effectiveness of advertising we serve and delivering relevant advertising to you;
Protect against and prevent fraud, unauthorized transactions, claims and other liabilities;
providing you, or permitting selected third parties to provide you, with information about goods or services we feel may interest you;
to perform a task carried out in the public interest (such as the prevention of money laundering and terrorism financing).

‍3. Cookies
‍We use cookies to distinguish you from other Users, provide you with a better experience and also to improve our services. For more information on the cookies we use and how we use them, see our Cookie Policy.

‍4. Disclosure of your information
‍We may share your information with third-parties such as:
affiliates, business partners, suppliers and sub-contractors for the performance and execution of any contract we enter into with them or you;
advertisers and advertising networks solely to select and serve relevant adverts to you and others; analytics and search engine providers that assist us in the improvement and optimisation of our site;
our group entities or subsidiaries.
We may also disclose your information under the following circumstances:
in the event that we sell or buy any business or assets, we may disclose your personal data to the prospective seller or buyer of such business or assets;
if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Customer Agreement and other applicable agreements; or to protect the rights, property, or safety of LINK, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction;
to assist us in conducting or co-operating in investigations of fraud or other illegal activity where we believe it is reasonable and appropriate to do so;
to prevent and detect fraud or crime;
in response to a subpoena, warrant, court order, or as otherwise required by law;to assess financial and insurance risks;
to recover debt or in relation to your insolvency; and
to develop customer relationships, services and systems.

‍5. International Data Transfers
‍Where Personal Information is to be transferred to a country outside Nigeria and the European Economic Area, we ensure that both ourselves and our partners take adequate and appropriate technical, physical and organisational security measures to protect your data. We ensure that the level of data protection is similar to that of the Nigeria Data Protection Regulation (NDPR) and the General Data Protection Regulation (GDPR) by having the necessary contractual protections in place with these third parties.

‍6. How We Protect your Information
‍LINK has set up security measures to ensure that the integrity and confidentiality of Personal Information is not accidentally or deliberately compromised. We maintain administrative, technical and physical controls designed to protect the Personal Information you provide, or we collect against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse or modification.Other security measures include but not limited to, secure servers, firewall, data encryption and granting access only to employees in order to fulfill their job responsibilities.It is necessary to point out that no transmission or storage via the Internet is completely secure. Therefore, we cannot guarantee absolute security of your personal information, you are expected to play a role in protecting Personal Information by safeguarding your password and login in details. Endeavor to notify LINK of any unauthorized use of your account or any breach of security.

‍7. Data Retention
‍We will only retain your information for as long as your account is active or as needed to provide our services to you. We might also be statutorily obligated to store some of your personal and transactional data beyond the closure of your account with us. This is done for a certain period of time for the purpose of fraud monitoring, detection and prevention. Where the data is no longer required by relevant law or the time for retention has elapsed, it will be deleted.

‍8. Customer Data Protection Rights
‍Right to be informed.
Right to request for and access Personal Information collected and stored.
Right to correct any Personal Information we hold on you that is inaccurate, incorrect, or out of date.
Right to request for deletion of Personal Information when it is no longer necessary, or no longer subject to a legal obligation to which LINK is subject to.
Right to ask us not to contact you for marketing purposes by adjusting your notification preference on the settings page or by opting out via the unsubscribe link in marketing emails we send you.
Right to request for restriction; this means refrain us from doing certain things with your data or restrict the extent of our collection or processing of your data. Please note that where you object to us processing your Personal Information, we might be unable to provide the services to you.
Right to transfer your personal data between data controllers, for example, to move your account details from one online platform to another.

‍9. Changes to Our Privacy Policy
‍Any changes we may make to our privacy policy will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

‍10. Contact Us
‍All questions, comments and requests regarding this privacy policy should be addressed to support@linkio.africa.