Document effective 1 November, 2019
This policy explains what you can expect from us and what we need from you in relation to your personal data. Please read this carefully as this policy is legally binding when you use our Services.
For the purpose of the relevant data protection regulations, Bigeria Technologies are the “data controller” of your information. we are located at 32 Ikot Eyo Street, off parliamentary road, Calabar, Nigeria. Bigeria is owned and managed by Bigeria Technologies, registered and fully licensed by Corporate Affairs Commission (CAC) of Nigeria with RC: 3022577
If you have any questions about how we protect or use your data, please email: Support@Bigeria.com
1. How do we protect your personal data
1.1 We are serious about guarding the security of your personal information and we use a bank-level secure encryption server to store your personal information. All information you provide to us is stored on our bank-level secure encrypted servers.
1.2 As you will know, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
1.3 We restrict access of your personal information to those employees of Bigeria who don't have a business reason for knowing such information. We continuously educate and train our employees about the importance of confidentiality and privacy of customer information. We maintain physical, electronic and procedural safeguards that comply with the relevant laws and regulations to protect your personal information from unauthorized access.
2. Information we may collect from you
We may collect and use the following data about you:
2.1 Information you give us.
(a) You may give us information about you when you sign up to use our service, e.g. when you provide us with your personal details, such as your name and email address. This also includes information you provide through your continued use of our Services, participate in discussion boards or other social media functions on our Website or App, enter a competition, promotion or survey, and when you report a problem with our Services. The information you give us may include your name, address, e-mail address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description and photograph.
(b) We may also need additional commercial and/or identification information from you e.g. if you send or receive certain high-value or high volume transactions or as needed to comply with our anti-money laundering obligations under applicable law.
2.2 Information we collect about you. With regard to your use of our Services we may automatically collect the following information:
(a) details of the transactions you carry out when using our Services, including geographic location from which the transaction originates;
(b) technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
(c) information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support number.
2.3 Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them.
• the banks you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well as your financial information such as your bank account details;
• business partners may provide us with your name and address, as well as financial information, such as card payment information;
• advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, such as confirming how you found our website;
• credit reference agencies do not provide us with any personal information about yourself, but may be used to corroborate the information you have provided to us.
4. Uses made of the information
We use your information in the following ways:
(a) to carry out our obligations relating to your contract with us and to provide you with the information, products and services;
(b) to comply with any applicable legal and/or regulatory requirements;
(c) to notify you about changes to our Services;
(d) as part of our efforts to keep our Services safe and secure;
(e). to administer our Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
(f) to improve our Services and to ensure that they are presented in the most effective manner;
(g) to measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you;
(h) to allow you to participate in interactive features of our Services, when you choose to do so;
(i) to provide you with information about other similar goods and services we offer;
(j) to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you; or
(k) to combine information we receive from other sources with the information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).
5. Disclosure of your information
5.1 We may share your information with selected third parties including:
(a) affiliates, business partners, suppliers and sub-contractors for the performance and execution of any contract we enter into with them or you;
(b) advertisers and advertising networks solely to select and serve relevant adverts to you and others; and
(c) analytics and search engine providers that assist us in the improvement and optimisation of our site.
5.2 We may disclose your personal information to third parties:
(d) in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
(e) if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our User Agreement and other applicable agreements; or to protect the rights, property, or safety of Bigeria, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction;
(f) to assist us in conducting or co-operating in investigations of fraud or other illegal activity where we believe it is reasonable and appropriate to do so;
(g) to prevent and detect fraud or crime;
(h) in response to a subpoena, warrant, court order, or as otherwise required by law;
(i) to assess financial and insurance risks;
(j) to recover debt or in relation to your insolvency; and
(k) to develop customer relationships, services and systems.
6. Where we store your personal data
7. Profiling and Automated Decision Making
7.1 We may use some instances of your data in order to customize our Services and the information we provide to you, and to address your needs - such as your country of address and transaction history. For example, if you frequently send funds from one particular currency to another, we may use this information to inform you of new product updates or features that may be useful for you. When we do this, we take all necessary measures to ensure that your privacy and security are protected - and we only use pseudonym data where ever possible. This activity has no legal effect on you.
7.2 As part of being a highly technical and innovative company, we may use Automated Decision Making (ADM) in order to improve your experience, or to help fight financial crime. For example, so that we can provide you with a fast and efficient service, we may use ADM to verify your identity documents, or to confirm the accuracy of the information you have provided to us. None of our ADM processes have a legal effect on you.
8. Data Retention
8.1 As a financial institution, Bigeria Technologies is required by law to store some of your personal and transactional data beyond the closure of your account with us. Your data is only accessed internally on a need to know basis, and it will only be accessed or processed if absolutely necessary.
8.2 We will always delete data that is no longer required by a relevant law or jurisdiction in which we operate.
9. Your rights
9.1 You have the right to ask us not to contact you for marketing purposes by contacting us at Support@Bigeria.com
9.2 You have the right to correct any personal information we hold on you that is inaccurate, incorrect, or out of date.
9.3 You have the right to ask us to delete your data when it is no longer necessary, or no longer subject to a legal obligation to which Bigeria is subject to.
9.4 You have the right to transfer your personal data between data controllers, for example, to move your account details from one online platform to another.
10. Access to information
10.1 Subject to applicable laws, you may have the right to access information we held about you. Your right of access can be exercised in accordance with the relevant data protection legislation.