WHO WE ARE
eTranzact Global Limited, (“We”, “Us” or “Our) is a company recognized globally for its comprehensive portfolio of services and products focused on solving the most important financial problems with technology. We are an award-winning multi-application and multi-channel electronic transaction switch and payments processing platform. We are Africa’s leading provider of mobile banking, identity verification and electronic payment services.
1.INTRODUCTION
We appreciate the trust you place in Us when sharing your personal data, the security of which is very important to Us. This document describes Our policies and procedures on the collection, use and disclosure of your information when you use Our Service, the steps we take to safeguard your personal information and your privacy rights. We use your Personal data to provide and improve Our Service. We are committed to protecting the privacy of Our users, thus We will not use or share your information with anyone except as described in this Privacy policy. By using this application, you agree to the collection and use of your information in accordance with this Privacy Policy. The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions which is accessible at MyFriendly VAT App unless otherwise defined in this privacy policy.
2. COLLECTION OF INFORMATION
There are two (2) categories of information we may collect when you use Our Service which are:
- Information you provide; and
- Information We get when you use Our Service.
2.1. Information you provide
This refers to information gotten when you register and sign in to use the application. They include; biodata, financial information, location and access to camera.
2.1.1. Biodata
Biodata refers to a range of specific factual information about an individual. While using Our Service, We may ask you to provide Us with biodata that can be used to contact or identify you. Biodata may include, but is not limited to:
- Full names
- Age
- Date of Birth
- Gender
- Email Address
- Phone Number
- Identification Number
- Address (State, Province, ZIP/Postal code, City).
2.1.2. Financial Information
This includes information related to your receipts, such as; the amount, date of purchase and location of store.
2.1.3. Location Information
We may ask you to provide us with access to your location data, to enable us collect information about your current location.
2.1.4. Access to your Camera
We may ask you to provide us with access to your Pictures and other information from your Device's camera and photo library. This will enable us to collect information that can be used to identify you.
2.2. Information We get when you use Our Service
2.2.1. Usage Data
Usage Data is collected automatically when using the Service. Usage Data includes information about how you use Our Service, such as the features you use, the pages you view, and the actions you take. When you access the Service 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.r
3. USE OF INFORMATION
We use the information we collect from you for the following purposes:
- To provide and maintain our Service: We help the Government recover VAT by analysing the receipt information you provide and submitting the results to the appropriate authorities or Regulator. The Regulator then organizes frequent raffle draws based on the receipts you provide, which may include prizes and incentives to encourage participation.
- To manage your Account: The Personal Data you provide can give you access to different functionalities of the Service that are available to you as a registered user and to prevent identity fraud.
- For the performance of a contract: That is, 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: We might need 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 send you promotional material: We might send you news articles or links, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information by following the instructions provided in those communications.
- To manage your requests: To provide customer care and support, as well as prompt responses to your inquiries and complaints.
- 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, monitoring the usage of Our Service, determining the effectiveness of our promotional campaigns and to evaluate and improve the functionality of Our Service, marketing strategy and user experience.
4. SHARING OF INFORMATION
It is our policy to never share your information with any third-party unless We obtain your consent or are otherwise required or allowed by Law to do so. We may share information about you in the following situations:
- With Service Providers: We may share your personal information with Service Providers to facilitate Our Service, monitor and analyse the use of Our Service, perform Service-related services or provide the Service on our behalf and to help Us prevent fraud.
- For business transfers: We may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
- With Affiliates: We may share your information with Our affiliates, in which case we will require those affiliates to honour this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
- With business partners: We may share your information with Our business partners to offer You certain products, services or promotions.
- With Your consent: We may disclose your personal information for any other purpose with your consent.
5. DISCLOSURE OF YOUR PERSONAL DATA
Your data might be disclosed under legal, safety and security reasons such as:
Business Transactions:
If the Company is involved in a merger, acquisition, asset sale, financing, liquidation or bankruptcy, of all or some portion of Our business, your Personal Data may be shared, before and after the transaction closes. We will provide notice before your Personal Data is shared and becomes subject to a different Privacy Policy.
Law enforcement:
Under certain circumstances, We may be required by Law or in response to valid requests by Public Authorities to disclose your Personal Data (e.g. a court or a government agency). We will not provide a notice before any such disclosure.
Other legal requirements
We may disclose your Personal Data in the good faith belief that such action is necessary to:
- Comply with a valid legal process;
- Investigate, remedy or enforce potential Terms of Service and Community Guidelines violations;
- Protect and defend the rights or property of Our Company, and users;
- Prevent or investigate possible wrongdoings in connection with the Service;
- Protect the personal safety of Users of the Service or the public; and
- Protect against legal liability.
6. SECURITY OF YOUR PERSONAL DATA
The security of Your Personal Data is important to Us, thus We will endeavour to use industry-standard encryption technologies to protect the transmission of data between your device and Our servers. We also maintain physical, electronic and procedural safeguards to protect your personal information against unauthorized access, disclosure and misuse. Where necessary we will take extra measures to protect your sensitive information. To detect and mitigate evolving threats to information, we have implemented appropriate organizational, physical and technical controls to protect your information including:
- Secure service architecture which is always in maintenance by the Development and Operations team;
- Secured with Industry standard cybersecurity protocols facilitated by the world’s leading web service providers- Amazon Web Service
- Regular review of our collection storage, and processing practices including physical and electronic security measures to guard against unauthorised access to our network systems;
- Contractually mandated confidentiality among our authorised employees, contractors and other third-parties who may have access to your information;
- Third-party risk assessment as well as minimum-security features against data leakage, unauthorised access or disclosure and accountability; and
- Access management across eTranzact employees, contractors and other parties on a need-to-know basis.
7. RETENTION OF YOUR PERSONAL DATA
We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy, or for legitimate business or legal purposes like security, fraud prevention, or financial record-keeping. 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 only. 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. We have established procedures to securely dispose of files that contain your information whether in digital or physical form.
8. TRANSFER OF YOUR PERSONAL DATA
Your information, including Personal Data, is processed at Our operating offices and in any other place where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
9. DELETION OF YOUR PERSONAL DATA
You have the right to delete or request that We assist in deleting the Personal Data that We have collected about you. Our Service may give you the ability to delete certain information about you from within the Service. You may update, amend, or delete your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage your personal information. You may also contact Us to request access to, correct, or delete any personal information that you have provided to Us. Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so despite your right to delete or request deletion.
10. RIGHTS AS A DATA SUBJECT
In accordance with the UK Data protection Act of 2018, you have the following rights as a data subject:
10.1. Right to be informed:
you have the right to be informed about how your personal data is being used, who it is being shared with and why.
10.2. Right to access:
you have the right to access your personal data held by us and to receive a copy of your data upon request.
10.3. Right to rectification:
you have the right to correct inaccurate personal data or complete incomplete data held about yourself
10.4. Right to erasure:
you have the right to have your personal data erased in certain circumstances, such as when:
- The data is no longer necessary in relation to the purpose for which it was collected;
- When you withdraw your consent or object to the processing and there is no overriding legitimate interest to continue processing;
- You object to the processing and your personal data was processed for direct marketing purposes;
- Your personal data was unlawfully processed or should be erased to comply with a legal obligation; and
- Your personal data was unlawfully processed or should be erased to comply with a legal obligation.
10.5. Right to restrict processing:
you have the right to restrict the processing of your personal data in certain circumstances such as:
- When the accuracy of the data is being contested;
- When the processing is unlawful; and
- When the data is no longer needed but you require it to establish or defend a legal claim.
10.6. Right to data portability:
you have the right to move, copy and transfer your personal data in a structured, commonly used and machine-readable format in a safe and secure way without any hindrance to usability.
10.7. Right to object:
you have the right to object to the processing of your data in certain circumstances, such as when the processing is based on legitimate interests or for direct marketing purposes. However, note that the right to object is not absolute and you must give specific reasons why you are objecting to the processing of your data.
10.8. Right in relation to automated decision making and profiling:
Automated decision-making takes place when an electronic system uses personal information to make decisions without human intervention. You have the right to object to automated decision making and profiling, and to request human intervention in decision making
If you wish to exercise any of these rights, you can do so by sending a written request to Us using our contact information mentioned in this document.
11. CHILDREN'S PRIVACY
Our Service is not intended for – and we don’t direct it to – anyone under the age of 18. We do not knowingly collect personally identifiable information from children under 18 years of age. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to immediately delete that information from our servers. If you are a parent or guardian and you are aware that your child has provided Us with Personal Data, please contact Us so we can take necessary action.
We will only process information of a child between the ages of 14years and 18years with the consent or authorization of a parent or guardian. Parents or guardians can revoke their consent at any time. We will take necessary action to delete the child’s information from our servers following such revocation.
12. LINKS TO OTHER WEBSITES
Our Service may contain links to other websites that are not operated by Us. If you click on a third party link, you will be directed to that third party's site. We are not responsible for how those third parties collect and use your information. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
13. CHANGES TO THIS PRIVACY POLICY
We may update our Privacy Policy from time to time to reflect changes in our practices or to comply with legal requirements. We will notify you of any changes by posting the new Privacy Policy on this page and revising the date at the top of the Privacy Policy. We will let you know via email and/or a prominent notice on Our Service, prior to the change becoming effective. However, we are under no obligation to do so. Thus, you are advised to review this document periodically for any changes. Changes to this Privacy Policy are effective immediately they are posted on this page. Your continued use of this App after We make changes to this policy constitutes your acceptance of the updated policy.
14. CONTACT US
If you have any questions or suggestions about this Privacy Policy, do not hesitate to contact us:
- via email: support@etranzact.co.uk
- via website: https://etranzact.co.uk