This Policy details how we Process Personal Data or Personal Information.
For the purpose of this policy “you” or “your” means you as a user of the Opticom platform (“Website”) of the Services on the Website. “We”, “our” or “us” means Opticom Finance Limited,10th Floor, UAC House 1-5 Odunlami Street, Lagos, the platform provider of Besto and Opticom Finance accessed via the website www.opticomfinance.com.
Application of this Policy
By using the website or the Services available on the website you accept and consent to the practices described in this policy.
This Policy may be amended or updated from time to time to reflect changes in our practices with respect to the Processing of Personal Data, or changes in applicable law(s). We encourage you to read this Policy carefully, and to regularly check this page to review any changes we might make in accordance with the terms of this Policy.
Objectives of this Policy
This Privacy Statement is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use the Opticom website and Services. It does not apply to online websites or services that we do not own or control, including websites or services which we may link.
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. We give you choices about the ways we use and share your personal information, and we’ll respect the choices you make.
Your Personal Information
“Personal information” or “Personal Data” means information that identifies or can be used to identify you directly or indirectly. Examples of personal information include, but are not limited to, first and last name, email address, telephone number, Bank Verification number, National Identification Number, device information, bank account details etc.
Our aim of collecting your Personal information is to provide you with a safe, and efficient service and we only collect information in line with relevant regulations and laws
Why we collect your information
To the extent permissible under applicable law, we use your information to:
- provide, maintain, protect and improve the Website, products, services and information that you may have requested from us;
- manage risks and protect the Website, the Services and you from fraud by verifying your identity;
- undertake internal testing of the Website, systems and services to test and improve their security, provision and performance, in which case, we would pseudonymize any information used for such purposes, and ensure is it only displayed at aggregated levels which will not be linked back to you or any living individual;
- enable the use of any partner service and facilities securely and to enable us deliver the services you have requested;
- address any issue(s) or concerns you have raised
- enable us take your suggestion on what you may be interested in;
- contact you to see if you would like to take part in our customer research (for example, feedback on your use of our applications, products and services);
- provide the services any customer support you may request;
· process transactions and send notices about our products and services, including promotional messages about such products and services;
- resolve disputes, collect fees, and troubleshoot problems;
- prevent potentially fraudulent, prohibited or illegal activities, and enforce these Terms;
- create an account connection between your account and any third-party account or website;
- customize, personalize, measure, and improve our services and the content and layout of our website for your beset user experience;
- send you updates about new products and services that we are offering to our customers;
- compare information for accuracy and verify it with third parties; and
- perform other duties as required by law
How we may share your Personal Information
It is important that you share some personal data with us to enable you use our services and facilities securely and for us to deliver the services you have requested. To provide the services that you have requested from our platform, we may need to share your data with:
· Law enforcement, government officials, or other third parties if we are compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of a User of the Platform;
· Third party service providers who assist us in providing services to you whether payment service or otherwise.
· deliver targeted advertising, marketing (which may include in-product messaging) or information to you which may be useful to you, based on your use of our applications and services;
It is however important to note that we Opticom Finance will not sell or rent your personally identifiable information to anyone
Our website, and Services may contain technology that enables us to:
check specific information from your device or systems directly relevant to your use of the website, or services against our records to make sure the websites, or services are being used in accordance with our end-user agreements and to troubleshoot any problems;
· obtain information relating to any technical errors or other issues with our website, and services;
· comply with our legal or regulatory obligations;
· collect information about how you and users use the functions of the features of our website, and services; and
· gather statistical information about the operating system and environment from which you access our or services.
Information Automatically Collected
Information that we automatically collect in connection with your access or use of our Services may include:
Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Opticom account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
· The Device’s Internet Protocol (“IP”) address
· Identification numbers associated with your Devices
· Device event information, such as crashes, system activity, and hardware setting
· Location preferences
· Date and time stamps of transactions
· System configuration information
· Other interactions with our Services
We may from time to time use your information to contact you with details about our product offerings and services which we feel may be of interest to you. We may also share your information with our affiliate companies and carefully selected third parties so that they (or we) may contact you with information about their products or services which we feel may be of interest to you too. We or they may wish to contact you for this purpose by telephone, post, SMS or email. You have the right at any time to stop us from contacting you for marketing and promotional purposes. You may also request at any time that we do not share your information with third parties referred to in this paragraph. To opt-out from receiving such promotional messages, please send us an email to firstname.lastname@example.org or follow the instruction on the bottom of our Website to unsubscribe from any email marketing.
IS YOUR PERSONAL INFORMATION PROTECTED?
We understand that you care about how your personal information is used and shared, and we take your privacy seriously. Whilst our primary objective is to provide you with exceptional services, we also recognize that you may have questions or concerns regarding your personal information and how it will be used.
Whilst we will continue to strive to ensure security on our systems, we cannot guarantee that security breaches will not occur or Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards.
Accordingly, we are not responsible for the matters, which include actions of hackers and other unauthorized third parties that breach our reasonable security procedure. No method of electronic transmission or storage is 100% secure. Therefore, we do not guarantee absolute security of your Personal Information. However, we have put in place industry best practices to protect your Personal Information.
In order to protect your personal data, we maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration.. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s). We request that you do not share your password or other authentication details (e.g., token generated codes), BVN etc. with anyone. You are also responsible for securing your Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current. We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.
If we learn of a system’s security breach, we may attempt to notify you electronically so that you can take appropriate protective steps.
Can Minors Use Our Services?
The services on the Website are not directed to anyone under the age of 18. We do not knowingly collect information, including Personal Data, from children or other individuals who are not legally able to use the Website. If we obtain actual knowledge that we have collected Personal Data from a person under the age of 18, we reserve the right to delete it, unless we are legally obligated to retain such data.
IP Address and traffic data
We keep a record of traffic data which is logged automatically by our servers, such as your Internet Protocol (IP) address, device information, the website that you visited before ours and the website you visit after leaving the Website. We also collect some website, and service statistics such as access rates, page hits and page views. We are not able to identify any individual from traffic data or statistics.
How long do we keep your Personal Data?
We will only keep your personal data for the following period:
· As long as we need it to deliver the services requested by you (including provision of information you have requested); or
· In order to comply with any legal or regulatory requirements.
Your rights under this Policy
Under the Nigerian Data Protection Regulation, in certain circumstances you have the following rights:
· The right to be told how we use your information and obtain access to your information;
· The right to have your information rectified or erased or place restrictions on processing your information;
· The right to object to the processing of your information e.g. for direct marketing purposes or where the processing is based on our legitimate interests;
· The right to give and withdraw consent to the processing of your personal information. We may however be unable to provide some services that you may request unless your consent to process your personal Data is obtained.
Links to Other Sites
Social Medium Platforms
Changes to This Privacy Statement.
· We may revise this Privacy Statement from time to time to reflect changes to our business, the Website or Services, or applicable laws. The revised Privacy Statement will be effective as of the published effective date.
· If the revised version includes a substantial change, we may provide you with 10 days’ prior notice by posting notice of the change our website or notify Users of the change using email or other means.