BOON is a product of Ere Technology Ltd (“ERE”). As the data collector, Ere ("we"“us” “our”) are committed to protecting and respecting your privacy. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting "https://boon.credit/" or using Boon mobile application hosted on the Google Play Store or Apple Store (collectively “our site”) you are accepting and consenting to the practices described in this policy. The collection and processing of your personal data is in accordance with the NationalInformation Technology Development Agency Act 2007 (the “Act”), Nigeria DataProtection Regulation 2019 (the “Regulations”) and the provisions and prescriptions of Section 5; Part 1 and Part 2 of National Information Systems and Network Security Standards and Guidelines
We maycollect and process the following data about you:
1 .Information you give us:
You may give us information about you by filling in forms on our site https://boon.credit/andby allowing us to access your information on social media sites (including but not limited to Facebook, Instagram, Twitter and LinkedIn) or by corresponding with us by phone, e-mail or otherwise.
This includes information you provide when you register to use our site, apply for a card, search for a feature (for example but not limited to credit history), your activity levels on social media functions on the applicable social media sites, the applications you use on social media sites, and when you report a problem with our site. The information you give us may include your personal identifiable information such as your full name, address, e-mail address and phone number, bank verification number, account details.
2 .Information we collect about you:
With regard to each of your visits to our site we may automatically collect the following information:
Device Information
Your internet service provider, your IP address, device make and model, the date and time you access Boon services.This information is used to help improve our services.
We may collect your Personal Data when you:
Send your CV or apply for a job.
Contact us whether by post, phone, email, or chat.
We may collect Personal Data received from third parties to the extent that they have represented that they have entered into an agreement with you for the provision of our products or services.
Location information
We may also use GPS technology OR other location services to determine your current location. You can withdraw your consent to our collection, processing or use of this information at any time by logging out and uninstalling the App from your Device.
3 .Information we receive from others:
Due to the nature of the Services, which we provide, we are required to work with a number of third parties and we may receive information about you from them. We may receive information about you if you use any of the other websites we operate, the other services we provide. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, social media sites, advertising networks, analytics providers, search information providers, credit bureaus, and financial services) and may receive information about you from them.
Cookies
We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our ServiceSites. By visiting our website, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this PrivacyPolicy.
How we use the information
We use information held about you in the following ways:
1 .Information you give us:
We will use your information in the following ways and in each case, we note the lawful basis under the Nigerian Data Protection Regulations which we rely on to use your information:
a. To determine whether to grant your request for a credit card, the credit card limit and the terms and conditions applicable to such credit card or forthe provision of any of our product and services to you.
b. To investigate or resolve any complaint and issues you may have.
c. To exercise our rights under contracts we have entered into with you like recovering any payments due to us and where necessary to enforcing recovery through debt collection agencies or taking other legal action, including instituting an action in the courts of law.
d. To fulfil our legal, compliance, regulatory and risk management obligations.
e. To establish a credit rating based on your information and provide that rating to third parties who may be interested in offering you financial products and services and this information is provided only to third parties selected by you or where you have agreed that we may share your score and information with;
f. To provide you with information about other services we offer that are similar to those that you have already or enquired about;
g. For marketing and business development purposes subject to the marketing preferences you have selected on our website, to provide you, or permit selected third parties to provide you, with information about our products we feel may interest you.;
h. To notify you about changes to our standard terms of service or to our business;
2 .Information we collect about you:
We will use this information:
a. We collect this information to establish a credit rating for you.
b. We may combine this information with information you give to us. We may use this information and the combined information for the purposes set out above(depending on the types of information we receive).
c. We may carry out a further processing of your data for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes.
3 .Information collected when you use our services
When you use our services, we collect location data which allows us to determine your precise or approximate location. This information is collected during the credit card request process, and we use this data to enhance our credit risk frame work, as well as to prevent fraud.
We also collect the following information saved on your smartphone:
– SMS
– contacts
– installed applications
– browser history
– calendar
We collect this information through your mobile device operating system, by requesting your express consent to your device’s permissions on the App. The collection of this information may take place in the background even when you aren’t using our service, if the permission you gave us expressly permits such collection.
Disclosure of your information
We may disclose your personal information to any member of our company, which means our employees, subsidiaries, affiliates, our holding company and its subsidiaries.
We may disclose your personal information to third parties:
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;
if Ere or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;
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 terms of use and other agreements or to protect the rights, property, or safety of Ere, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
We may share your information with selected third parties including:
Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you.
Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, students in Yaba). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.
Analytics and search engine providers that assist us in the improvement and optimization of our site. This includes exchanging information with other companies and organizations.
International data transfers
Information that we collect may be stored, processed in, and transferred between any of the countries in which we operate, in order to enable us to use the information in accordance with this policy. Any such information transferred to other countries shall be in compliance with the Act and the Regulations.
Customer consent
By ticking the “I agree to the Terms and Conditions”, which you here by adopt as your electronic signature, you consent and agree that:
1. We can provide materials and other information about your legal rights and duties to you electronically.
2. We are authorised to share, receive and use data/information collected from your transaction with other affiliated third parties including but not limited to switching companies, mobile network operators, electricity companies, aggregators, credit bureaus, other financial institutions, e-commerce platforms etc.
Where We store your personal data
The data that we collect from you is stored on our secure servers. We will take all steps reasonably necessary to ensure that your data is treated, stored and processed securely and in accordance with this Policy.
Where we have given you (or where you have chosen) a password/PIN/identifiers that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, 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 transmitted to OurService Sites; 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.
Data retention
Unless a longer retention period is required or permitted by law, we will only hold your data on our systems for the period necessary to fulfil the purposes outlined in this privacy policy.
Even if we delete your data, it may persist on backup or archival media for legal, tax or regulatory purposes.
Your rights
You have the right to ask us not to process your personal data for marketing purposes and to withdraw your consent at any time. Please note that the withdrawal of your consent will not affect the lawful processing of data which we have obtained based on your previous consent. We will usually inform you(before collecting your data) if we intend to use your data for the aforementioned purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.You can also exercise the right at any time by contacting us using in-app support feature on the mobile application or using the complaint tab on the web portal at https://boon.credit/. Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Remedies
Each of the parties will be entitled to enforce its rights in the event of a breach of the terms of this privacy policy, to recover damages caused by any breach of the provisions herein and to exercise all other rights existing under law. Any claim or dispute arising in relation to this privacy policy shall be subject to the jurisdiction of the courts of the Federal Republic of Nigeria. We shall not be liable for any breach where a claim in respect of such breach is not brought within one month of the date that such breach arose.
Limitation of liability
Notwithstanding any other provision in this privacy policy, neither Ere, its affiliates, officers, directors, employees, attorneys or agents shall have any liability with respect to, and you hereby waive, release and agree not to sue any of them upon, any claim for any special, indirect, incidental, consequential damages suffered or incurred by you in connection with, arising out of, or in any way related to, a breach of this privacy policy.
Access to information
TheAct gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee in providing you with details of the information we hold about you.
We may update this policy from time to time by publishing a new version on our website. You should check this page occasionally to ensure you understand any changes to this policy.
Contact
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to Ere via the in-app support feature on the mobile application or sending a mail to info@boon.credit
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