This website, https://paycredit.ng (“Platform”), is operated by Paycredit Limited (hereinafter referred to as “we”, “our”, “us” or “PCL”).
For the purpose of the relevant data protection laws, PCL is the data controller of Your Personal Information (as defined below) for the purpose of Data Protection Legislation (as defined below).
For any access request, questions or inquiries about how we use Your Personal Information, please contact us at SUPPORT@PAYCREDIT.NG.
We do not take Your trusting us with Your information for granted. The privacy of our Users is important to us and we are committed to safeguarding it responsibly and in accordance with the legal requirements of the countries in which we operate. Hence, this Privacy Policy explains the type of Your Personal Information which we collect, why we collect it, and what we do with it. By visiting and accessing our 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.
Cookies : A cookie is a small data file that is transferred to Your computer or mobile device. It enables us to remember Your account log-in information, IP addresses, web traffic, number of times You visit, browser type and version, device details, date and time of visits.
Data Protection Legislation : means the Nigeria Data Protection Regulations 2019 and other applicable data protection laws and all other application legislation relating to privacy or data protection.
Personal Information : means any information that relates to you and that identifies you either directly from that information or indirectly, by reference to other information that we have access to. The personal data that we collect, and how we collect it, depends upon how you interact with us. Categories of personal data that we collect include; Contact information such as name, email address and telephone number; Biographical information such as job title, employer, photograph and video or audio content including you; Billing and financial information such as billing address, bank account and payment information; and Device Data: includes information on the devices with which you access the Platform.
User or You or Your : means an individual whose Personal Information we collect.
Special Categories of Personal Information : means details about Your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about Your health and genetic and biometric data.
We may collect, record and use information about You in physical and electronic form and will hold, use and otherwise process this data in accordance with the Data Protection Legislation and as set out in this Policy.
The Personal Information we collect and use may include, amongst other things:
3.1. Identity Data: Information such as, Your full name(s), Your government-issued identity number, and Your date of birth. This data is to enable us to verify Your identity in order to offer our Services to You;
3.2. Contact Data: This is data that we use to contact You, such as Your residential address, email address, telephone number;
3.3. Usage Data: When You access the Services, our servers automatically record information about how You our Services including links You have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details;
3.4. Biographical information such as job title, employer, photograph and video or audio content including you;
3.5. Marketing, communication preferences and related information such as meal preferences, feedback and survey responses;
3.6. Billing and financial information such as billing address, bank account and payment information;
3.7. Services information such as details of services that we have purchased from you;
3.8. Special categories of data such as race and ethnicity, trade union membership, information about health or information, political opinions or religious beliefs;
3.9. Records of Your discussions with us if we contact You and if You contact us; and
3.10. Other information: Some personally non-identifiable data may be collected when you interact with us through the Website. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. We may store such information itself or such information may be included in databases owned and maintained by us. We may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, and the domain names of our visitors’ internet service providers.
The Personal Information we have about You is directly made available to us when You:
4.1. Use any of our Services;
4.2. Contact our customer support team;
4.3. Fill our online forms;
4.4. When you use our website or one of our online services we collect information about Your visit and how you interact with our website;
4.5. Contact Us;
4.6. When a client uses our services, we will ask for the information that we need to provide those services; this information includes contact details, billing information, information necessary to conduct pre-clearance checks and information relevant to the services we provide;
We only use Your Personal Information for a specific purpose; and before we do so, we must have a legal reason. For example, when it is necessary for us to perform a contract with You for our Services, for our legitimate interest, or where You have given us Your consent, or to fulfil our legal obligations. These are all known as the “legal or lawful basis for processing”.
The legal or lawful basis we rely on for processing Your Personal Information by using our Services:
5.1. Your consent: Where You agree to us collecting Your Personal Information by using our Services.
5.2. We have a contractual obligation: Without Your Personal Information, we cannot provide our Services to You.
5.3. We have a legal obligation: To ensure we are fully compliant with all applicable Data Protection Legislation.
We may Use Your Personal Information we collect:
6.1. To provide news and information services including email briefings and newsletters;
6.2. To conduct client due diligence, conflict checks and credit score;
6.3. To provide legal advice and related relevant services, to manage and administer our business relationships, including to communicate with our clients, to manage billing and payments and to keep records;
6.4. To use data analytics to improve our Services, user experiences and to optimize service delivery;
6.5. For other purposes for which we provide specific notice at the time of collection;
6.6. To comply with Data Protection Legislation and any other applicable laws.
We will only use Your Personal Information for the stated purposes for which we collected it, unless we reasonably consider that we need to use it for another purpose and that purpose is compatible with the original purpose. If You wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use Your Personal Information for an unrelated purpose, we will notify You and we will explain the legal basis which allows us to do so.
Please note that we may process Your Personal Information without Your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
7.1. The security of Your Personal Information is important to PCL. We are committed to protecting the information we collect. 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.
7.2. Other security measures include but not limited to, secure servers, firewall, data encryption and granting access only to employees in order to fulfil their job responsibilities.
7.3. We are committed to ensuring that the confidentiality of Your Personal Information is protected and maintained. Transmitting information online is not entirely secure. As such, we cannot guarantee that all information provided online is secure. We would take all reasonable steps to ensure that Your Personal Information is secured and well protected.
7.4. We will only retain Personal Information on our servers for as long as is reasonably necessary as long as we are providing Services to You. Where You close Your Account, Your information is stored on our servers to the extent necessary to comply with regulatory obligations and for the purpose of fraud monitoring, detection and prevention.
7.5. To determine the appropriate retention period for Personal Information, we consider the amount, nature and sensitivity of the Personal Information, the potential risk of harm from unauthorised use or disclosure of Your Personal Information, the purposes for which we process Your Personal Information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. Where we retain Your Personal Information, we do so in compliance with limitation periods under the applicable law.
We may disclose or share Your Personal Information with third parties which include our affiliates, employees, officers, service providers, agents, suppliers, subcontractors as may be reasonably necessary for the purposes set out in this policy.
PCL only shares Personal Information with external third parties in the following limited circumstances:
8.1. We have Your consent. We require opt-in consent for the sharing of any Personal Information; We share Personal Information with third parties directly authorized by You to receive Personal Information. The use of Your Personal Information by an authorized third party is subject to the third party’s Privacy Policy and PCL shall bear no liability for any breach which may arise from such authorization by You;
8.2. We provide such information to our affiliates or other trusted businesses or persons for the purpose of processing Personal Information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures;
8.3. We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to
8.3.1. satisfy any applicable law, regulation, legal process or enforceable governmental request;
8.3.2. enforce applicable terms of service, including investigation of potential violations thereof;
8.3.3. detect, prevent, or otherwise address fraud, security or technical issues;
8.3.4. assess financial and insurance risks; or
8.3.5. protect against imminent harm to the rights, property or safety of PCL, its clients or the public as required or permitted by law.
Based on Your location and applicable laws, below are the rights You have as a user in relation to Your Personal Information:
9.1. Right to be informed;
9.2. Right to request access or copies to Your Personal Information by signing into Your Account or contacting us;
9.3. Right to request that PCL erase Your Personal Information. You have the right to ask us to erase Your Personal Information. Please note that this is a limited right which applies where the data is no longer required in relation the purpose for which the data was collected and processed by us, or the processing has no legal justification. The exceptions to this right include where the applicable law requires PCL to retain a historical archive for public interest or such other related purposes, for the establishment, exercise or defence of legal claims;
9.4. Right to correct or rectify any Personal Information that You provide which may be incorrect, out of date or inaccurate. You also have the right to ask us to complete information You think is incomplete;
9.5. Right to object to processing: You have the right to object to the processing of Your Personal Information in certain circumstances. Please note that where You object to us processing Your Personal Information, we might be unable to provide the services to You; and
9.6. Right to 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 services to you. We will advise you if this is the case at the time you withdraw Your consent.
If You wish to exercise any of the rights set above, please contact us using the contact information provided in the Contact Us segment below. Where we are unsure of Your identity, we might ask You for proof of Your identity for security reasons before dealing Your request.
Like many other websites, we use cookies to distinguish You from other users and to customize and improve our services.
Some browsers may automatically accept cookies while some can be modified to decline cookies or alert You when a website wants to place a cookie on Your computer. If You do choose to disable cookies, it may limit Your ability to use our website. For detailed information on the cookies and how we use them see our Cookie Policy.
Personal Information may be stored and processed in any country where our data is stored by our third-party service providers. We confirm that we have entered into agreements with these third parties, with adequate contractual protections for Your Personal Information in line with this Privacy Policy.
By submitting Your Personal Information to us, You agree to this transfer, storing and processing. We note that Your Personal Information may be transferred to countries which may not have the same data protection laws as the country You initially provided Your Personal Information, but whenever we transfer or transmit Your Personal Information internationally, we will ensure or take reasonable steps to ensure Your Personal Information is handled securely in line with the applicable data protection laws and standard contractual clauses.
If You have any complaints regarding this Privacy Policy, please contact us at SUPPORT@PAYCREDIT.NG . We will investigate and work on resolutions for complaints and disputes regarding use and disclosure of Personal Information within reasonable time in accordance with this Privacy Policy and in accordance with applicable data protection laws.
Part of the Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Site complies with relevant laws and codes. We will not be responsible to you for any error or inaccuracy in advertising and sponsorship material.
From time to time, we may change, amend or review this Privacy Policy to reflect new services or changes in our Privacy Policy and place any updates on this page. All changes made will be posted on this page and where changes will materially affect You, we will notify You of this change by placing a notice online or via mail. If You keep using our Services, You consent to all amendments of this Privacy Policy.
If you have any questions about this privacy policy or our privacy practices, please contact us by sending an email to: SUPPORT@PAYCREDIT.NG
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