We may also collect information from or about you from other sources, such as through your contact with us, including our customer care team, your results when you respond to a survey, your interactions with our staff of or those of other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole)
Additionally, for quality and training purposes or for our own protection, we may keep records of, or record telephone conversations with you or anyone acting on your behalf.
We may also obtain information about you from third parties such as credit bureaus, background check and identity verification service providers as required
In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with the Services.
If you choose to link, create, or log in to your account with us using another service provider, or if you engage with a separate application or website that uses our application programming interface (“API”) (or whose API We use), we may receive information about you or your connections from that site or application
When you download or use our mobile applications, or access one of our mobile optimised sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device's setting's menu. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.
We collect personal information in order to provide users with a secure, smooth, efficient, and customised experience. Furthermore, the information collected may also be used to -
Additionally, we may contact you via electronic means to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to process payments, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Furthermore, we may contact you to respond to a request, communicate offers or inform you about the Services.
Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, autodialed or pre-recorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.
We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, offers, content, and advertising.
When you access our websites or use the Services, we may place small data files on your computer or other device. These data files may be cookies, pixel tags, "Flash cookies," or other local storage provided by your browser or associated applications (collectively referred to as "Cookies"). These technologies are used to –
Users can freely decline our Cookies if the web browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our websites and the Services.
We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption and information access authorisation controls.
When contracting with us or with third parties through our Website, you agree and hereby authorize us to provide those parties with information about you necessary to respond to your request or complete a transaction.
We work with third parties, including regulatory authorities, credit bureaus, banks, real estate developers, property owners, realtors etc. in connection with the Services. In doing so, a third party may share information about you with us.
We will not disclose your information to anyone other than in connection with the Services, or with the third parties that offer or use the Services with your express permission or if we are required to do so to comply for a legitimate purpose, a subpoena, or other legal processes.
You agree and hereby authorize us to share your personal information with -
other third parties with your consent or direction to do so (please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country).
We will only retain your personal information for as long as reasonably necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
In some circumstances we will anonymise your personal information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
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 are committed to adequately protecting your personal information regardless of where the data resides and to providing appropriate protection for your personal information where such data is transferred across borders, including outside of Nigeria.
You can ask us or third parties to stop sending you marketing messages at any time by logging into the website and checking or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you or by contacting us at any time.