1.0 Introduction

This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the services and tells you about your privacy rights and how the law protects you. If you do not agree with our policies and practices, you may choose to not use our Service. This policy may change from time to time (Refer section 12 on ‘Changes to this Privacy Policy’) We use your Personal data to provide and improve the Service. By accessing or using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.
We use your Personal data to provide and improve the Service. By accessing or using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2.0 Interpretation and Definitions

2.1 Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in the singular or in the plural.

2.2 Definitions

For the purposes of this Privacy Policy: ‘Account’ means a unique account created for You to access our Service or parts of our Service.

‘Application’ means the software program provided by the Company downloaded by You on any electronic device, named PaydayHub

‘Company’ (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Paydayhub Online Nigeria Limited, 13, Adebare Street, Ogudu, Lagos.

‘Cookies’ are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

‘Country’ refers to: Nigeria

‘Device’ means any device that can access the Service such as a computer, a cell phone, or a digital tablet.

‘Personal Data’ is any information that relates to an identified or identifiable individual.

‘Service’ refers to the Application or the Website or both.

‘Service Provider’ means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.

‘Usage Data’ refers to data collected automatically, either generated using the Service or from the Service infrastructure itself (for example, the duration of a page visit).

‘Website’ refers to Paydayhub, accessible from https://paydayhubonline.com

‘You’ means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data.

3.0 Types of Data Collected

3.1 Personal Data

While using Our Service, we may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally, identifiable information may include, but is not limited to:

Email address First name and last name Phone number, Address (home and office), Bank Verification Number (BVN), Government-issued identity document (NIN, International Passport, Driving License, Voter Id), Date of birth, Gender, Marital status, Bank statement, work identity pass or other means to identify you as working in an organization.

3.2 Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or 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’s 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.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

3.3 Information Collected while Using the Application

Device Permissions for Personal Data Access Depending on the User's specific device, we may request certain permissions that allow it to access the User's device Data as described above.
By default, these permissions must be granted by the User before the respective information can be accessed. Once permission has been given, it can be revoked by the User at any time. To revoke these permissions, Users may refer to the device settings or contact the Owner for support at the contact details provided in the present document.
The exact procedure for controlling app permissions may be dependent on the User's device and software.
Please note that the revoking of such permissions might impact the proper functioning of the Application.

3.4 Cookies

Cookies or Browser Cookie: A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a cookie is being sent. However, if You do not accept Cookies, you may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse cookies, our Service may use Cookies.

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies: Cookies: What Do They Do? https://www.freeprivacypolicy.com/blog/cookies/

We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies
Type: Session Cookies Administered by: Us Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies Administered by: Us Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

Functionality Cookies
Type: Persistent Cookies Administered by: Us Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies, we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

While using Our Service, we may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally, identifiable information may include, but is not limited to:

Email address First name and last name Phone number, Address (home and office), Bank Verification Number (BVN), Government-issued identity document (NIN, International Passport, Driving License, Voter Id), Date of birth, Gender, Marital status, Bank statement, work identity pass or other means to identify you as working in an organization.

4.0 Use of Your Personal Data

The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including monitoring the usage of our Service.

To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

For the performance of a contract: 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: 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 provide You with news, 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.

To manage Your requests: To attend to and manage Your requests to Us.

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, and determining the effectiveness of our promotional campaigns to evaluate and improve our Service, products, services, marketing, and your experience.

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.

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 honor 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.

5.0 Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. You have the right to request the deletion of the data we have collected about you. However, 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. Usage Data is generally retained for a shorter period, 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.

6.0 Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places 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 from those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company 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.

7.0 Disclosure of Your Personal Data

7.1 Business Transactions

If the Company is involved in a merger, acquisition, or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

7.2 Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

7.3 Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation Protect and defend the rights or property of the Company Prevent or investigate possible wrongdoing in connection with the Service Protect the personal safety of Users of the Service or the public Protect against legal liability.

8.0 Security of Your Personal Data

The security of Your Personal Data 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 Data, we cannot guarantee its absolute security.

9.0 Children’s Privacy

Our Service does not address anyone under the age of 15. We do not knowingly collect personally identifiable information from anyone under the age of 15. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from Our servers. If you believe we may have information from or about anyone under the age of 15, please contact us using the information provided in the ‘Contact Us section below.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, we may require Your parent’s consent before We collect and use that information.

10.0 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 strongly advise You to review the Privacy Policy of every site You visit e.g. Paystack, Mono.co e.t.c. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11.0 Your Rights

You have rights under data protection laws in relation to your personal data. These include rights to:
Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request the erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request for erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party). You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios If you want us to establish the data’s accuracy Where our use of the data is unlawful but you do not want us to erase it Where you need us to hold the data even if we no longer require it as you need it to establish, exercise, or defend legal claims You have objected to our use of your data but we need to verify whether we have to override legitimate grounds to use it.

Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at such time when you withdraw your consent.

If you wish to exercise any of the rights set out above, please contact us using the information provided in Section 13

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made several requests. In this case, we will notify you and keep you updated.

In addition to existing rights available under applicable law, if you would like to raise a concern about any violation of this privacy policy, you can contact NITDA at ‘https://nitda.gov.ng/contact/’.

12.0 Changes to this Privacy Policy

The Company has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site in order to notify our users. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

13.0 Contacting us

If you have any questions about this Privacy Policy, you can contact us:

By email: contact@paydayhubonline.com or info@paydayhubonline.com By Call: 08155788462, 09071682641. By visiting this page on our website: https://paydayhubonline.com/#contactus