INTRODUCTION:
This Privacy Policy ("Policy") describes how www.presspay.ng ("website", "we", "us" or "our") collects, protects, uses and shares the personally identifiable information ("Personal Information") You ("User", "you" or "your") may provide on the Website, Mobile Application and any of its products or services (collectively, "Site").
It also describes the choices available to you regarding our use of your Personal Information and how you can access and update or delete this information. This Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage.
1. OUR COMMITMENT
1.1. At Coverpage, we are committed to respecting and protecting your privacy. This Privacy Policy sets out the type of information we collect from you and what we do with that information. The terms set out should be read together with our Terms and Conditions.
1.2. By using the Services offered by Coverpage, you confirm that you accept the terms of this Privacy Policy and agree to be bound by them in your use of the Service. If you do not agree, please do not use the Service.
2. AUTOMATIC COLLECTION OF INFORMATION
2.1. When you visit presspay.ng, our servers automatically record information that your browser sends. This data may include information such as your device's IP address, browser type and version, operating system type and version, language preferences or the webpage you were visiting before you came to our Website, pages of our Website that you visit, the time spent on those pages, information you search for on our Website, access times and dates, and other statistics.
2.2. Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding Website usage. This statistical information is not otherwise aggregated in such a way that would identify any particular user of the system
3. COLLECTION OF PERSONAL INFORMATION
You can visit presspay.ng without telling us who you are or revealing any information by which someone could identify you as a specific, identifiable individual when you only visit the site without registering for any of our services.
3.1. Personal Data you give us
3.1.1. Coverpage collects the information you provide when you: correspond with us; fill in any forms; register to use the PressPayNg platform and App; take part in online discussions, surveys or promotions; speak with a member of our customer support team; or contact us for other reasons.
3.1.2. Coverpage may, by itself or through third parties, collect the following information: your personal information such as but not limited to, name, address, and date of birth; your username, password and other registration information; your contact information such as but not limited to, email address, phone number and details of the device you use (for example, your phone, computer or tablet); bank information such as, but not limited to user name, unique user ID, password, payment Information, medical records; academic records such as, but not limited to institution, course of study, level of study; records of our discussions, if you contact us or we contact you; other information you provide to prove you are eligible to use our services; and any other materials you willingly submit to us such as, but not limited to articles, images, feedback.
3.2. In cases where, to provide our Service, personal data is to be collected from third parties who can be considered as autonomous data controllers, such as, for instance, likes on Facebook, Instagram, or Twitter put by the Users, we guarantee to process this Data exclusively for the fulfilment of contractual obligations related to our Service.
3.3. Users are responsible for any third-party Personal Data obtained, published or shared through this Application and confirm that they have the third party's consent to provide the Data to the Owner.
3.4. Unless specified otherwise, all Data requested by this Application is mandatory and failure to provide this Data may make it impossible for this Application to provide its services. In cases where this Application specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service.
3.5 Any use of Cookies – or other tracking tools – by this Application or by the owners of third-party services used by this Application serves the purpose of providing the Service required by the User, in addition to any other purposes described in the present document and in the terms and conditions of use.
4. MODE AND PLACE OF PROCESSING THE DATA
4.1. Methods of processing and data processor;
4.1.1. Coverpage will take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data. Even where all precautions are adopted, we cannot guarantee complete security in all events.
4.1.2. The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to this, in some cases, the Data may be accessible to certain types of persons in charge and/or involved with the operation of this Application (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors.
4.2. Place
4.2.1. The Data is processed at the Coverpage’s operating offices and in any other places where the parties involved in the processing are located.
4.2.2. Depending on the User's location, data transfers may involve transferring the User's Data to a country other than their own. To find out more about the place of processing such transferred Data, Users can check the section containing details about personal data processing.
4.2.3. Users are also entitled to learn about the legal basis of Data transfers to a country outside Nigeria or to any international organization governed by public international law or set up by two or more countries, and about the security measures taken by Coverpage to safeguard their Data.
5. RETENTION TIME
5.1. Personal Data shall be processed and stored for as long as required by the purpose they have been collected for.
5.2. Therefore:
5.2.1. Personal Data collected for purposes related to a contract's performance between Coverpage and the User shall be retained until such contract has been entirely performed, and for an extended period of 3 years after the performance of such contract.
5.2.2. Personal Data collected for the purposes of Coverpage’s legitimate interests shall be retained as long as needed to fulfil such purposes. Users may find specific information regarding the Coverpage’s legitimate interests within the relevant sections of this document or by contacting Coverpage.
5.3. Coverpage may be allowed to retain Personal Data for a more extended period whenever the User has given consent to such processing, as long as such consent is not withdrawn. Furthermore, Coverpage may be obliged to retain Personal Data for a more extended period whenever required to do so for the performance of a legal obligation or upon order of an authority.
5.4. Once the retention period expires, Personal Data shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification, and the right to data portability cannot be enforced after the retention period's expiration.
6. PAYMENT PROCESSING
6.1. Unless otherwise specified, this Application processes all payments by debit card, transfer or other means through third party payment service providers. In general, and unless otherwise specified, Users are asked to provide payment details and personal information to such payment service providers.
6.2 When required, this information we collect may include: Personal details such as, but not limited to name, country of residence, Contact information such as, but not limited to email address, phone number, address, Academic information such as, but not limited to institution, course of study, level of study, Account details such as, but not limited to user name, unique user ID, password, Payment Information such as, but not limited to debit/credit card numbers, password/pin.
7. EMAIL AND CONTACT MANAGEMENT.
These services allow the managing of email contacts and other contacts used to communicate with the User. The services may also enable the collection of data concerning the date and time of display of the User's message.
8. USE OF COLLECTED INFORMATION
8.1. Any of the information we collect from you may be used for the following purposes:
8.1.1. Registering you as a new user of the Site customer, Manage your accounts, Processing your loan request, Managing your relationship with us, Send administrative information, Respond to inquiries and offer support, Request feedback, Enabling you to participate in promotions, competitions and surveys, Improving our website, applications, products and services, Recommending/advertising products or services which may be of interest to you, Complying with our legal obligations, including verifying your identity where necessary, Enforce terms & conditions and policies, Protect from abuse and malicious users, Respond to legal requests and prevent harm, Detecting & preventing fraud.
8.2.1. Analytics; The services described in PressPayNg allow Coverpage to control and analyze traffic data.
8.2.2. The services also allow the tracking of the User's behavior, utilizing the Data collected to track and examine this application's use to prepare reports on its activities and share them with other third parties. Coverpage may use the Data collected to contextualize and personalize the ads of its own advertising network or that of a third party.
9. SHARING YOUR PERSONAL INFORMATION
9.1. We may need to share your personal data with third parties for the following purposes:
9.1.1. Funding Opportunities; we may share your personal data with philanthropist, individuals or organizations who which to make available scholarships and grants to students through us.
9.1.2. Internship Opportunities; we may share your personal data with organizations who wish to make available internship opportunities to students through us.
9.1.3. Business transfers: As we continue to develop our business, we might sell or buy other businesses or services. In such transactions, customer information may be transferred together with other business assets.
9.1.4. Detecting fraud and abuse: We release account and other personal data to other companies and organizations for fraud protection and credit risk reduction, and to comply with the law.
9.2. When we share your personal data with third parties, we:
9.2.1. Require them to agree to use your data in accordance with the terms of our Privacy Policy and in accordance with the law
9.2.2. Only permit them to process your personal data for specified purposes and in accordance with our instructions. We do not allow third-parties to use your personal data for their own purposes.
9.2.3. We may also share your personal information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful requests for the information we receive, or to otherwise protect our rights.
10. COOKIES AND HOW WE USE THEM
10.1. The Site uses “Cookies” to help personalize your online experience.
10.2. A cookie is a text file or small file of letters and numbers that is placed on your hard disk by a web page server.
10.3. Cookies allow us to distinguish you from other users of our Site, which helps us to provide you with an enhanced browsing experience.
10.4. We may use cookies to collect, store, and track information for statistical purposes to operate our Website and Services. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the features of our Site.
10.5. Our approved third parties may also set cookies when you use our Site. Third parties include search engines, providers of measurement and analytics services, social media networks and advertising companies.
11. INTERNATIONAL TRANSFERS
We may transfer your personal data to locations in another country, pursuant to the applicable laws. There are inherent risks in such transfers. In the event of international transfers of your personal data, we shall put in place measures necessary to protect your data, and we shall continue to respect your legal rights pursuant to the terms of this Privacy Policy and applicable laws.
12. DATA SECURITY
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those our employees, agents, and other third parties affiliated to us in any way need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
13. YOUR LEGAL RIGHTS
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us. Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to access, correct or delete your personal data, object to or restrict processing of your personal data, and unsubscribe from our emails and newsletters.
14. CHANGES
We may update this Privacy Policy from time to time without notice in order to reflect, for example, changes to our practices, or for other operational, legal or regulatory reasons. Your continued use of the Site and App after the effective date of the revised Privacy Policy (or such other act specified at that time) will constitute your consent to those changes.
15. ACCEPTANCE OF THIS POLICY
You acknowledge that you have read this Policy and agree to all its terms and conditions. By using our Site you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to use or access our Site and its Services.
16. CONTACTING US
If you would like to contact us to understand more about this Policy or wish to contact us concerning any matter relating to individual rights and your Personal Information, you may send an email to legal@presspay.ng.
This document was last updated on August 24, 2021.
