Document effective August 15, 2021
Learn how we collect and deploy your data when you visit our platforms or use our services. Get to understand our privacy practices.
Learn how we collect and deploy your data when you visit our platforms or use our services. Get to understand our privacy practices. The Eyowo Integrated Payments Ltd. (the “Company”) takes privacy issues seriously and wants you to be familiar with how we collect, use and disclose information.
Personal Information is information that identifies you as an individual, such as: Name User name Address and/or Postal address (including billing and shipping addresses), Telephone number (including home and mobile phone numbers), Email address Credit and debit card number, Profile picture, Social media account ID, Country of residence, Financial identification number (Bank Account, ) and any other such information that the user provides in order to be able to use the App and its services. Information that can be used to identify, contact or locate a user is referred to as “personally identifiable information”. Automatically provided information that uniquely identifies a device or browser is not personally identifiable information unless it is linked to a particular user.
The Company collects three types of information: Information that users intentionally provided on the App; Information about users that third parties provide on the App to augment or verify information; and Information automatically provided by Users as they interact with the App
Users are either consumers and businesses who make payments and Agents who process payments on behalf of Eyowo. A User must provide personal financial information required for identity verification, contact, and financial authorization.
A Merchant may provide additional information such as a link to its website or social media account to accelerate account activation.
A Payer who is loading funds on the App with a credit card or debit card must provide his/her name, card number, expiration date, CVV code, country, and zip code (where applicable).
A Payer who is paying on the App must provide the payee’s mobile number, also a payee who is making use of the electronic fund transfer must provide the bank details (name, mobile phone number and payee’s bank) of the payee. Merchants or Payers may voluntarily provide additional information on the Company for example, when seeking customer support or in response to surveys or other inquiries. All information provided will be kept strictly private and confidential by the Company save instances where the law requires disclosure or where necessary to provide a service to You.
The Company may obtain information about users from third parties, such as identity verification services, credit reporting services, and social networks such as Facebook or LinkedIn. The App may provide the Company with additional information such as the User’s transactional history on the Platform. The App may offer third party services based on its various integrations. The App may provide users information and transaction history upon Users’ requests for a third party.
The Company or the App may automatically record certain information about or related to your use of the services and the App that is made below:
Cookies - The App collects certain information from the User’s browser using small data files called “cookies”. For example, The Company or the App may use session cookies to help recognize a User who visits multiple website pages during the same session so that the User does not have to enter a password to access each page. Session cookies terminate once the user closes the browser. The App also uses persistent cookies to collect, store and track information. For example, the App uses persistent cookies to store the User’s login ID (but not the User’s password) to make it easier for the user to log in when the User returns to the website. We encode our cookies so that only we can interpret the information stored in them. You can remove or block persistent cookies using the settings in your browser, but this may limit your ability to use our Services.
Clear GIFs and Web Beacons – The Company or the App may employ a software technology called “clear GIFs or web beacons” that help us better manage content on the App by informing us of effective content. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies and are used to track the online movements of Web users. In contrast to cookies that are stored on a User’s computer hard drive, clear GIFs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.
The Company uses User information primarily to develop, operate, support, maintain enhance and provide the Services as well as use the information for other products being offered by the Company or by its affiliates. User information is also used to process payment transactions; to provide receipts and reports; to resolve disputes, collect fees and troubleshoot problems; to customize and improve the Services and to enforce our agreements on the App and our Terms of Service and Merchant Agreement with Users.
The Company also uses User information to detect and prevent fraud and other potentially illegal activities. Eyowo may combine User information with information from other sources using proprietary algorithms to calculate a measure of the risk that a particular User or transaction is fraudulent (“Risk Score”). The Company uses User Information for our administrative and operational purposes. The Company may notify you of changes in the services, may solicit your feedback, may conduct market research or may send you promotional materials. To unsubscribe from promotional emails, click the “unsubscribe” link in the email. In essence, the Company uses your personal information to meet or fulfill legal obligations and provide better services.
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Eyowo’s services are delivered by two regulated entities, Eyowo Integrated Payments Limited and Eyowo Microfinance Bank. Eyowo Integrated Payments Ltd (RC1512927) is licensed by the Central Bank of Nigeria as a Payments Solutions Provider. Registered address: 8, Oduduwa Crescent, Ikeja GRA, Lagos, Nigeria. Eyowo Microfinance Bank Ltd (RC838171) is licensed by the Central Bank of Nigeria as a Microfinance Bank. Registered address: 19 Araromi Street, Victoria Island, Lagos, Nigeria.
© 2021 Eyowo Ltd