Eyowo

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Privacy Policy

Learn how we collect and deploy your data when you visit our platforms or use our services. Get to understand our privacy practices.

Legal Policies

The Eyowo Integrated Payments Ltd. (the “Company”) is concerned about privacy issues and want you to be familiar with how we collect, use and disclose information. This Privacy Policy describes the information that the Company collects through on her website, mobile applications and social media pages (collectively, our “Apps”) in connection with the services being offered by the Company. The Company provides services to its end users (“Users” or “You”) by integrating with an Application Programming Interface (“API”), which enables our App to receive and process User information while also providing information from our App. This Privacy Policy further addresses how Eyowo handles all User information, including User information provided by You, User information provided by other platforms and User information obtained by the Company from third parties. If you submit any Personal Information relating to other people to us or to our service providers in connection with the Sites, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

PERSONAL INFORMATION

Personal Information We May Collect

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 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 “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.

How We May Collect Personal Information

The Company collects three types of information:

Information that Users intentionally provide 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.

Information Provided by User

Users are either consumers and business who make payment and Agents who process payments on behalf of Eyowo. A User must provide personal financial information required for identity verification, contact and financial authorization.

Kiosk (agent for EYOWO)

A Merchant must provide a name, email address, a self-selected password, physical address, telephone number, merchant category code, date of birth (if natural person) bank validation number and bank account. A Merchant may provide additional information such as a link to its website or social media account in order 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 shall 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.

Information Provided by Third Party

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 personal request for a third party.

Automatically Provided Information

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 available through your computer or device. Three of such technologies are described hereunder –

Log Files – The App may collect internet protocol (IP) address browser type, device ID, internet service provider (ISP), information about your computer and software, links materials You request, your approximate location, referring/exit pages, date/time stamp, and other metadata. The App may embed Javascript code into page loads, which instructs Users’ web browsers to make web requests back to our servers to collect information about the User page views and other activities.

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 login when the User returns to the website. We encode our cookies so that only us 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 effective content. Clear gifs are tiny graphics with a unique identifier, similar function to cookies and are used to track the online movements of the Web users. In contrast to cookies, which 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.

How Personal Information May Be Disclosed

Use of Information Obtained by Eyowo

The Company uses User information primarily in order 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 measure, 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, or may solicit your feedback or 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 fulfil legal obligations and provide better service.

SHARING INFORMATION WITH THIRD PARTIES

The Company may share User information with third-party service providers who help with certain parts of validation of user credentials, secure data storage, marketing, customer service, and other services. The Company requires that these service providers use personally identifiable User information only in connection with the services they perform for Eyowo.

The Company or the App also may share non-personal identifiable User information with third parties that help us better understand how Users use our Service or help us detect and prevent fraud and other unauthorized or suspicious activity. These third parties may use cookies and other technologies to collect non-personal identifiable information about Users and combine it with similar information collected from others. They may use this information to help the Company to better understand our Users, and to help their other customers better understand their users.

The App Risk Score is not personally identifiable information, and The Company may share it (and other similar information generated by App with other third parties. The Company owns the App Risk Scores and similar analytical results that we generate using User information, whether alone or in combination with other information. The Company may use, disclose, or sell Risk Scores in the Company’s sole discretion.

The Company may share User information in the event of a merger, acquisition, debt financing, sale of all or a portion of our assets, or similar transaction, or in the event of insolvency, bankruptcy or receivership in which User information is transferred to one or more third parties as one of our business assets. Should such an event occur, the Company will endeavor to assure that the acquirer, successor, or assignee (as the case may be) follows this Privacy policy with respect to User information. If User information could be used contrary to this Privacy policy, Users will receive prior notice as well as the opportunity to opt out.

The Company may share User information with law enforcement, government officials, or other third parties in the event of a subpoena, court order or similar legal procedure, or the Company believes in good faith that the disclosure of User information is necessary or advisable to report suspected illegal activity, or to protect the Company’s property or legal rights (including, but not limited to, enforcement of App’s Terms of Service, Merchant Agreement, and other agreements) or the property or rights of others, or otherwise to help protect the safety or security of the Services.

Except as expressly disclosed in this Privacy Policy, the Company will not sell or disclose User information to third parties. The Company will not sell, rent, share, or trade personally identifiable information to third parties (other than the App through which the Company collected such information) for their promotional purposes. The Company may disclose aggregated or other types of non-personally identifiable information to third parties for various purposes.

We will share personal identifiable information with third parties only to services and in special situations, such as legal investigations and merger. We may also share non-identifiable information with third parties that help us prevent fraud and analyse website activity.

Security

The Company has implemented physical, technical, and procedural safeguards to protect User information from unauthorized access, disclosure, alteration, or destruction. The Company uses computer safeguards such as firewalls and data encryption, and authorizes access to personally identifiable information only to those employees, contractors, and agents who require it to fulfill their job responsibilities. The Company takes additional care to protect User information, such as credit card or bank account numbers, if disclosure of the particular type of User information could cause direct financial loss. The Company encrypts such information and transmits it under Secure Socket Layer (SSL) and Transport Layer Security (TLS). Basically, the Company has taken a number of steps in order to become an extremely secure service.

The Company uses reasonable organizational, technical and administrative measures to protect Personal Information under our control. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contacting Us” section below.

Location

By virtue of its hosting on the Apple App Store, Amazon web services and Google Play Store, the Company stores and processes User information on dedicated servers located in secure data centers that may be located within the United States and in other jurisdictions. If you use the services from the European Union or other regions of the world with laws governing data collection and use that differ from laws of the Federal Republic of Nigeria, then you understand and consent to the transfer of your User information to the Federal Republic of Nigeria or other jurisdictions for the uses identified above in accordance with this Privacy Policy. You acknowledge and agree that the privacy and data security laws of the Federal Republic of Nigeria or other jurisdictions may be different from the privacy and data security laws in force in the country in which you reside. By voluntarily providing User information, you hereby agree that you are consenting to our collection, use, storage, and disclosure of such User information in accordance with this Privacy policy.

Children

The Services are not intended for children. We ask that minors (persons under the age of 13) do not submit any personal information to us or use the Services. Basically, You may only use Eyowo if you are 13 years old or older.

You Independence in the Control of your Account

The App allows you to manage your account and information online. Once you log in you may update your Personal Information, assuming your account is in good standing. In that case, we will retain only the personal information required by law or that we deem necessary.

Eyowo Allows Access and Updating of Personal Information

To review, correct, update, suppress, delete or otherwise limit our use of your Personal Information that has been previously provided to us, please email, call or write to us using the contact information listed below in the “Contacting Us” section and clearly describe your request. In your request, please make clear what information you would like to have changed, whether you would like to have your Personal Information suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information. However subject to proof as the need may be; and unless there is a legitimate legal or business reason to keep such information, we will strive to comply with your request. For business and legal reasons, we aim to keep our services in a manner that protects personal information from incidental, accidental or malicious damage. Therefore, your deletion of personal information from our services does not immediately delete residual copies from our servers and we may not remove such personal information from our backup systems. The Company aims to provide you with access to your personal information at every point during the usage of our Service.

CHOICES AND ACCESS

We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. If at any time you wish to stop receiving phone, mail, SMS, and email marketing communications from us, please just let us know by emailing, calling or writing to us using the contact information listed below in the “Contacting Us” section or by using the unsubscribe feature in the marketing email you received. In your request, please indicate that you wish to stop receiving email marketing communications from us.

In addition, we will not disclose your Personal Information to third parties, including our subsidiaries, for the third party’s direct marketing purposes if we have received and processed a request from you that your Personal Information not be shared with third parties for that purpose. If you would like to submit such a request, please just let us know by emailing, calling or writing to us using the contact information listed below in the “Contacting Us” section. Please clearly indicate that you request that the Company not disclose your Personal Information to the Company subsidiaries and/or other third parties for their direct marketing purposes. Please note that changes may not be effective immediately. We will endeavor to comply with your request(s) as soon as reasonably practicable. Please also note that if you do opt-out of receiving marketing-related messages from us, we may still send you important administrative messages, and you cannot opt-out from receiving administrative messages.

RETENTION PERIOD

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

UPDATES TO THIS PRIVACY POLICY

You can always see the most updated changes to this Privacy Policy on www.eyowo.com or by contacting Customer Service at support@eyowo.com In the event we modify our privacy policy, we may contact you via email and provide you with notice of the change and a link to review the new privacy policy. However, the Company shall you abreast of changes to our Policies as updated on this page from time to time.

CONTACT US

If you have any questions about this Privacy Policy, please contact us as follows:

  1. Email: support@eyowo.com or hello@eyowo.com
  2. Call: 001-7001520
  3. Postal mail address: Eyowo Integrated Payments Limited 8, Oduduwa Crescent, Ikeja GRA, Lagos State

Please note that email communications are not always secure; so please do not include credit card information or sensitive information in your emails to us.