Earthbond Limited (“Earthbond” “we” or “us” or “our”) respects the privacy of our users (“user” or “you”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.earthbond.co, including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the “Site”). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the “Last Updated” date of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on the Site, and you waive the right to receive specific notice of each such change or modification.

You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Site after the date such revised Privacy Policy is posted.

COLLECTION OF YOUR INFORMATION

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

Personal Data

Personally identifiable information, such as your name, address, email address, and telephone number, and demographic information, such as your age, gender, hometown, and interests, that you voluntarily give to us when you register with the Site or our mobile application, or when you choose to participate in various activities related to the Site and our mobile application. Supplemental identification information, such as government-issued identity documents, live photo images captured, passport, driver’s license, taxpayer identification number or national insurance number, source of income and employment information including its status and history (as applicable).You are under no obligation to provide us with personal information of any kind, however your refusal to do so may prevent you from using certain features of the Site and our mobile application.

Derivative Data

Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site. If you are using a mobile application, this information may also include your device name and type, your operating system, your phone number, your country and other interactions with the application you choose to provide.

Financial Data

Financial information, such as data related to your payment method (e.g. valid credit card number, card brand, expiration date) that we may collect when you purchase, order, return, exchange, or request information about our services from the Site or our mobile application.

Mobile Device Data

Device information, such as your mobile device ID, model, and manufacturer, and information about the location of your device, if you access the Site from a mobile device.

Third-Party Data

Information from third parties, such as personal information or network friends, if you connect your account to the third party and grant the Site permission to access this information.

Mobile Application Information

If you connect using our mobile application:

• Geo-Location Information. We may request access or permission to and track location-based information from your mobile device, either continuously or while you are using our mobile application, to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.
• Mobile Device Access. We may request access or permission to certain features from your mobile device, including your mobile device’s bluetooth, calendar, camera, contacts, microphone, reminders, sensors, SMS messages, social media accounts, storage, and other features. If you wish to change our access or permissions, you may do so in your device’s settings.
• Mobile Device Data. We may collect device information (such as your mobile device ID, model and manufacturer), operating system, version information and IP address.
• Push Notifications. We may request to send you push notifications regarding your account or the Application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.

USE OF YOUR INFORMATION

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience.  Specifically, we may use information collected about you via the Site or our mobile application to: The Company collects Users’ data, which may include personal information, in order:

• Assist law enforcement and respond to subpoena.
• Compile anonymous statistical data and analysis for use internally or with third parties.
• Create and manage your account.
• Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Site and our mobile application to you.
• Enable user-to-user communications.
• Fulfill and manage purchases, orders, payments, and other transactions related to the Site and our mobile application.
• Generate a personal profile about you to make future visits to the Site and our mobile application more personalized.
• Increase the efficiency and operation of the Site and our mobile application.
• Monitor and analyze usage and trends to improve your experience with the Site and our mobile application.
• Notify you of updates to the Site and our mobile applications.
• Offer new products, services, mobile applications, and/or recommendations to you.
• Perform other business activities as needed.
• Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
• Process payments and refunds.
• Request feedback and contact you about your use of the Site and our mobile application.
• Resolve disputes and troubleshoot problems.
• Respond to product and customer service requests.
• Send you a newsletter.
• Solicit support for the Site and our mobile application.
• To provide the Services and the other Resources to Users, including issuing digital cards and processing information connected with them and enabling use of the savings product of our partners.
• To enhance the safety and security of our users and Services, including by protecting you and the Company from errors, misrepresentations, fraud, and/or contraventions of laws or criminal activity.
• To verify User’s identity, and for processing and recording financial transactions made through the Application and assessing User’s financial stability.
• To administer our relationship with you and our business, such as providing and managing your access to and use of our Services. This processing is necessary for the performance of a contract.
• For due diligence, verification, credit checks and fraud prevention analysis.
• For customer support to understand, resolve your requests and overall customer experience.
• For research and development, improving our Services and developing new products, such as inviting you to participate in surveys or analyzing website traffic to optimize our websites or to personalize your experience with our Services. This processing is necessary for the purposes of our legitimate interests.
• To carry out the Company's obligations and enforce its rights arising from any contracts with a User, including for billing and collection or to comply with legal requirements.
• To fulfill the purposes for which a User has provided the information or that were described when it was collected, or any other purpose for which a User provides it.

DISCLOSURE OF YOUR INFORMATION

We may share information we have collected about you in certain situations. Your information may be disclosed as follows: 

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.  This includes exchanging information with other entities for fraud protection and credit risk reduction.

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. 

Marketing Communications

With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.

Third-Party Advertisers

We may use third-party advertising companies to serve ads when you visit the Site or our mobile application. These companies may use information about your visits to the Site and our mobile application and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you.

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 subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

Business Partners

We may share your information with our business partners to offer you certain products, services or promotions.

Other Third Parties

We may share your information with advertisers and investors for the purpose of conducting general business analysis. We may also share your information with such third parties for marketing purposes, as permitted by law.

Sale or Bankruptcy

If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity.  If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party.  You acknowledge that such transfers may occur and that the transferee may decline honor commitments we made in this Privacy Policy.

We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations.  If you no longer wish to receive correspondence, emails or other communications from third parties, you are responsible for contacting the third party directly.

THIRD-PARTY WEBSITES

The Site and our mobile application may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave the Site or our mobile application, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services or applications that may be linked to or from the Site or our mobile application.

SECURITY OF YOUR INFORMATION

We use administrative, technical, and physical security measures to help protect your personal information.  While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.  Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.

DATA RETENTION AND DELETION

We retain user profile, transaction, and other personal information for as long as a user maintains their account and except as otherwise permitted or required by applicable law or regulation, only for as long as necessary to fulfill the purposes the Company collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

The Company may also retain certain information if necessary, for purposes of safety, security, and fraud prevention. For example, if the Company deactivates a User’s account because of unsafe behavior or security incidents, the Company may retain certain information about that account to prevent that User from opening a new account in the future.

Users may request deletion of their account at any time. Following such requests, the Company deletes the data that it is not required to retain for purposes of regulatory, tax, insurance, litigation, or other legal requirements. For example, the Company retains location, device, and usage data for these purposes for a minimum of 7 years; while it retains such data, it may also use it for purposes of safety, security, fraud prevention and detection, and research and development. In certain circumstances, the Company may be unable to delete a user’s account, such as if there’s an outstanding credit on the account or an unresolved claim or dispute. Upon resolution of the issue preventing deletion, the Company will delete the account as described above.

If you decide that you no longer wish us to keep or use information or you want the information to be revised or updated, please feel free to contact us. We will remove or amend the information as appropriate in accordance with our Notice and applicable legislative and regulatory requirements.

Under some circumstances the Company may anonymize Users' personal information so that it can no longer be associated with a particular User. The Company reserves the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to the relevant User or its consent.

POLICY FOR CHILDREN

We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us using the contact information provided below.

OPTIONS REGARDING YOUR INFORMATION

Account Information

You may at any time review or change the information in your account or terminate your account by contacting us using the contact information provided below

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements.

Emails and Communications

If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:

• Noting your preferences at the time you register your account with the Site or our mobile application
• Contacting us using the contact information provided below

If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly.

YOUR PRIVACY RIGHTS

• Earthbond shall take appropriate measures to provide any information relating to processing your information in a concise, transparent, intelligible and easily accessible form, using clear and plain language, and for any information relating to a child. The information shall be provided in writing, or by other means, including, where appropriate, by electronic means. When requested by you, the information may be provided orally, provided that your identity is proven by other means.
• If Earthbond does not act on your request, Earthbond shall inform you without delay and at the latest within one month of receipt of the request of the reasons for not taking action and on the possibility of lodging a complaint with a supervisory authority.
• Except as otherwise provided by any public policy or regulation, information provided to you and any communication and any actions taken shall be provided free of charge. Where requests from you are manifestly unfounded or excessive, in particular because of their repetitive character, Earthbond may either:
  • Charge a reasonable fee considering the administrative costs of providing the information or communication or taking the action requested; or,
  • Write a letter to you stating refusal act on the request and copy the National Information Technology Development Agency on every such occasion.
• Earthbond shall bear the burden of demonstrating the manifestly unfounded or excessive character of the request.
• Where Earthbond has reasonable doubts concerning the identity of the natural person making the request for information, Earthbond may request the provision of additional information necessary to confirm your identity.
• The information to be provided to you may be provided in combination with standardized icons in order to give in an easily visible, intelligible and clearly legible manner a meaningful overview of the intended processing. Where the icons are presented electronically, they shall be machine-readable.
• Where Earthbond intends to further process personal data for a purpose other than that for which the Personal Data were collected, Earthbond shall provide you with information on that other purpose, and with any relevant further information; and where applicable, that Earthbond intends to transfer personal data to a recipient in a foreign country or international organization and the existence or absence of an adequacy decision by the National Information Technology Development Agency.
• You shall have the right to request for us to delete personal data without delay, and we shall delete such Personal Data where one of the following grounds applies:
  • the personal data is no longer necessary in relation to the purposes for which they were collected or processed;
  • you withdraw consent on which the processing is based;
  • you object to the processing and there are no overriding legitimate grounds for the processing;
  • the personal data have been unlawfully processed; and
  • the personal data must be erased for compliance.

CONTACT US

If you have questions or comments about this Privacy Policy, please contact us at:

Earthbond LAGOS, NIGERIA