BIZZDESK GLOBAL SOLUTIONS LIMITED PRIVACY POLICY

BizzDesk Global Solutions Limited (“We”, “us” or “our”) is committed to protecting and respecting your privacy.

This policy together with our Cookie Policy, our Terms and Conditions and any other documents referred to in them, sets out the basis and describes the way BizzDesk Global Solutions Limited, a Nigerian company providing digital banking services through our mobile application and our website www.bizzdesk.ng (Collectively referred to as the “Platform”) uses, stores, manages, and disposes of certain information that you, as a user of our services, provide to us.

We will be the data controller of your personal data which you provide to us or which is collected by us via our Website. This means that we are responsible for deciding how we hold and use personal information about you and that we are required to notify you of the information contained in this policy. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

You can contact us using the details provided at the end of this policy in the “Contact Us” section.

This Privacy Policy does not cover any information that we may receive about you through sources other than our Platform. In using our Platform, you may be directed to other thirdparty websites or mobile applications this Privacy Policy does not apply to any of such websites or mobile applications.

By using the Platform, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.

CONTACT DATA PROTECTION OFFICER:

If you have any questions regarding how we use the information received from you, you may contact our Data Controller at:

Email: info@bizzdesk.ng

The Data Controller and operator of the Website are one and the same.

THE PERSONAL INFORMATION WE RECEIVE FROM YOU

As a user of our Platform, you voluntarily give us access to information (Personal Information) at various instances of use and interaction on our Platform. You consent to us collecting your Personal Information as well as storing, using, or disclosing your Personal Information in accordance with this Privacy Policy. Personal Information given to us by you includes but is not limited to:

1. Registration: During the process of registration on our Platform, you voluntarily provide us with personal information like your Name, Phone Number, Email Address, Date of Birth, Picture, Bank Verification Number, means of Identification.
2. Newsletters: You may subscribe to our newsletter by providing us with your name and email address.

3. IP Address and Host Name: Our Platform logs host names (or IP addresses when the host name is not available) for system administration and security purposes ("Passive Data Collection"). These logs are monitored and analyzed to maintain systems and information security and to allow us to constantly improve the value and the availability of our content and services. If you are a passive user of the Platform and do not register for any purchases or other service, you may still be subject to certain passive data collection.

4. Contact Information: If you contact us the in-app chat, email, social media or phone calls we collect the following information so we can answer your questions or take action.
   1. The phone number you’re calling from and information you give us during the call.
   2. The email address you use and the contents of your email (and any attachments).
   3. Public details from the social media profile which you used to reach out to us and the contents of your messages or posts to us.

THE PERSONAL INFORMATION WE RECEIVE AUTOMATICALLY

By using our Platform, you also consent to us collecting certain information automatically:

1. Cookies: We may collect information from you through automatic tracking systems (such as information about your browsing preferences) as well as through information that you volunteer to us (such as information that you provide during a registration process or at other times while using the Platform, as described above). If you want, you can prevent the use of cookies, but then you may not be able to use our Platform as we intend.
2. Log Data: We may collect certain information automatically relating to 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, name of the Internet Service Provider (ISP), date and time of visit, web page of origin of the user (referral) and exit, possibly the number of clicks and other diagnostic data (“Log Data”).

PERSONAL INFORMATION WE RECEIVE FROM THIRD PARTIES

We may utilize third-party service providers ("Third-Party Service Providers"), from time to time or all the time on our Platform to help serve you. Third Party Services include but are not limited to:

1. information storage (such as cloud storage)
2. KYC-Know Your Customer process (we will run checks on the ID information you provide during registration). Also, we run further checks with the credit bureaus to see if you are eligible to access credit.
3. KYC-Know Your Customer process (we will run checks on the ID information you provide during registration). Also, we run further checks with the credit bureaus to see if you are eligible to access credit.
4. hosting the Platform. In this instance, the Third-Party Service Provider will have access to your Personal Information.
5. advertising on the Platform. These third parties may use cookies in connection with their advertisements (see our Cookies Policy).

In general, you may request that we do not share your Personal Information with third parties. Please contact us via email if you wish to process a restriction request. Please be advised that you may lose access to third party services that require sharing of personal Information to activate.

MODIFICATIONS AND REVISIONS:

We reserve the right to modify, revise, or otherwise amend this Privacy Policy at any time and in any manner. Any changes we make to our policy will be put on the Website and, where appropriate, notified to you by e-mail. Please check for updates from time to time. Failure to notify you of such change will however not constitute a breach of this policy to the extent that same is available on the website or the mobile app.

PURPOSES OF PROCESSING OF PERSONAL INFORMATION

We primarily use your Personal Information to help us provide a better experience for you on our Platform and to provide you the services and/or information you may have requested. In addition to this, we collect and process Personal Information from you for the following purposes:

1. Provide the services as well as exercise our rights as provided in our Terms and Conditions;
2. Investigate and resolve complaints and other issues which may interfere with your seamless use of the Platform;
3. Market and communicate our products and services;
4. Upon your authorization, tracking the location of your device to prevent fraud;
5. View your contact list for airtime purchases.;
6. Advising you about updates to the Platform or our policies.

DISCLOSURE OF PERSONAL INFORMATION

Although we strive to maintain the privacy of your Personal Information at all times, we may where the circumstance warrants, disclose your information to any of the following, for the purposes detailed below:

1. To satisfy any local, state, or Federal laws or regulations;
2. To respond to requests, such discovery, criminal, civil, or administrative process, subpoenas, court orders, or writs from law enforcement or other governmental or legal bodies;
3. To bring legal action against a user who has violated the law or violated the terms of use of our Platform;
4. Other third parties, (with your consent), whose products and services may be of interest to you;
5. As may be necessary for the operation of our Platform;
6. To generally cooperate with any lawful investigation about our users;
7. To Our group companies, third party service providers and agents in order to provide the products and services;
8. In the event that we sell or buy any business or assets, to the prospective seller or buyer of such business or assets;
9. If BizzDesk Global Solutions Limited or substantially all of its assets are acquired by a third party, to the acquiring third party;
10. 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 Terms of Use and other agreements;
11. to protect the rights, property, or safety of BizzDesk Global Solutions Limited, other users or third parties.
12. If we suspect any fraudulent activity on our Platform or if we have noticed any activity which may violate our terms or other applicable rules.

SOCIAL MEDIA

If you connect or integrate any social media services with services we provide, you may receive social notifications either from us or from third party companies providing social media services on our behalf. You can manage these social notifications through changing your privacy settings on the relevant social media site or discontinuing any interaction. If you register and provide information to a forum or blog on our Website, the information you provide will be published and will be publicly available on our Website. It will not be used for any other purpose.

YOUR RIGHTS

As an active or passive user of our Platform, you are guaranteed the following rights by virtue of the Nigerian Data Protection Regulation:

1. Right to Rectification: you can modify or change your name, email password and login PIN/password on your profile.
2. Right of Access, Right to Erasure, Right to Restrict Processing: you can request access, restriction on further processing or erasure of your Personal Information on our Platform by contacting us. The request will be processed within 30 days. We reserve the right to charge a reasonable fee to process excessive or repeat requests.
3. Right to Withdraw Consent: you can withdraw consent to receiving our promotional emails by following the unsubscribe instructions included in every email we send. This same choice also to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies some parts of our Site may not work properly in your case.

You will not have to pay a fee to access your personal information (or to exercise any of the other rights above). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.

We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.

CHANGE OF PURPOSE

We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal information for an unrelated purpose, we will usually notify you and we will explain the legal basis which allows us to do so.

PROTECTING YOUR INFORMATION

Your data is secured by encryption, firewalls and Secure Socket Layer (SSL) technology. This is industry standard encryption technology which manages the security of messages transmitted across the internet. When we receive your data, we store it on secure servers which can only be accessed by us.

DATA STORAGE LOCATION

Please be advised that our third-party data host provider uses servers located in Abuja Nigeria to store personal data. As a result, when you use the Website, your personal information (such as your name, e-mail address, and phone numbers) will be transferred to the data processing centre which is located at Abuja Nigeria.

However, we have entered into agreements with any third party or group company in order to safeguard personal data which is processed or stored outside Nigeria.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this policy when it is transferred, stored or processed in this way.

RETENTION OF YOUR DATA

We will only keep your personal information for as long as is reasonably required for the purpose(s) for which it was collected, as set out above in this policy and for legal purposes.

CONTACT US

If you have any questions about this Privacy Policy or the way we collect information from you, or if you would like to launch a complaint about anything related to this Privacy Policy, you may contact us at the following email address: info@bizzdesk.ng