Privacy Policy

Our Privacy Policy was last updated on 26th February, 2024

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy was generated by Terms Feed Privacy Policy Generator.

Interpretation and Definitions

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 singular or in plural.
For the purposes of this Privacy Policy:
●     “Account” means a unique account created for You to access our Service or parts of our Service.
●     “Company”(referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to KONTO FINANCIAL TECHNOLOGYNIGERIA LIMITED

For the purpose of the GDPR, the Company is the Data Controller.
●     “Country” refers to NIGERIA
●     “Consumer”, for the purpose of this Privacy Policy, means a natural person who is a Nigerian citizen. A citizen, as defined in the law, includes (1) every individual who is in Nigeria for other than a temporary or transitory purpose, and (2) every individual who is domiciled in Nigeria who is outside Nigeria for a temporary or transitory purpose.
●     “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.
●     “Data Controller”, for the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.
●     “Device” means any device that can access the Service such as a computer, a cell phone or a digital tablet.
●     “Do Not Track” (DNT)” is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
●     “Personal Data” is any information that relates to an identified or identifiable individual.

For the purposes of Nigeria Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity.

For the purposes of the CCPA(California Consumer Privacy Act), Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
●     “Sale”, for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s personal information to another business or a third party for monetary or other valuable consideration.
●     “Service” refers to the Website.
●     “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 analysing how the Service is used. For the purpose of the GDPR, Service Providers are considered Data Processors.
●     “Usage Data” refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
●     “Website” refers to WWW.KONTOCREDIT.COM, accessible from [email protected]
●     “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.

Under GDPR (General Data Protection Regulation), You can be referred toas the Data Subject or as the User as you are the individual using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

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, State, Province, ZIP/Postal code, City
●     Usage Data

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 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.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
●     Cookies or Browser Cookies. 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.
●     Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs)that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
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.
We use both Session and Persistent Cookies for the purposes set out below:
●     Necessary / EssentialCookies

Type: Session Cookies

Administered by: Us

Purpose: These Cookies are essential to provide You with services availablethrough the Website and to enable You to use some of its features. They help toauthenticate 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 theseCookies to provide You with those services.

Type: Persistent Cookies

Administered by: Us

Purpose: These Cookies identify if users have accepted the use of cookies onthe Website.
●     Functionality Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These Cookies allow us to remember choices You make when You use theWebsite, such as remembering your login details or language preference. Thepurpose of these Cookies is to provide You with a more personal experience andto avoid You having to re-enter your preferences every time You use theWebsite.
●     Tracking and PerformanceCookies

Type: Persistent Cookies

Administered by: Third-Parties

Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymousidentifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them.
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.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
●     To provide and maintain our Service, including to monitor 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 toYou as a registered user.
●     For the performance of a contract: the development, compliance and undertaking of thepurchase 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 unlessYou have opted not to receive such information.
●     To manage Your requests: To attend 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 Ourassets, 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, determining the effectiveness of our promotional campaigns and toevaluate 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, for payment processing, 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 aportion 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 anyother 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, servicesor promotions.
●     With other users: when You share personalinformation or otherwise interact in the public areas with other users, suchinformation may be viewed by all users and may be publicly distributed outside.
●     With Your consent: We may disclose Yourpersonal information for any other purpose with Your consent.

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. 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 of time, 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.

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 than 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.

Disclosure of Your Personal Data

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

Detailed Information on the Processing of Your Personal Data
The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.
We may use third-party Serviceproviders to monitor and analyze the use of our Service.
Email Marketing
We may use Your Personal Data tocontact You with newsletters, marketing or promotional materials and otherinformation that may be of interest to You. You may opt-out of receiving any,or all, of these communications from Us by following the unsubscribe link orinstructions provided in any email We send or by contacting Us.
We may provide paid products and/orservices within the Service. In that case, we may use third-party services forpayment processing (e.g. payment processors).
We will not store or collect Yourpayment card details. That information is provided directly to Our third-partypayment processors whose use of Your personal information is governed by theirPrivacy Policy. These payment processors adhere to the standards set by PCI-DSSas managed by the PCI Security Standards Council, which is a joint effort ofbrands like Visa, Mastercard, American Express and Discover. PCI-DSSrequirements help ensure the secure handling of payment information.
GDPR Privacy Policy
Legal Basis forProcessing Personal Data under GDPR
We may process Personal Data underthe following conditions:
●     Consent: You have given Yourconsent for processing Personal Data for one or more specific purposes.
●     Performance of acontract: Provision of Personal Data is necessary for theperformance of an agreement with You and/or for any pre-contractual obligationsthereof.
●     Legal obligations: Processing PersonalData is necessary for compliance with a legal obligation to which the Companyis subject.
●     Vital interests: Processing PersonalData is necessary in order to protect Your vital interests or of anothernatural person.
●     Public interests: Processing PersonalData is related to a task that is carried out in the public interest or in theexercise of official authority vested in the Company.
●     Legitimate interests: Processing PersonalData is necessary for the purposes of the legitimate interests pursued by theCompany.
In any case, the Company will gladlyhelp to clarify the specific legal basis that applies to the processing, and inparticular whether the provision of Personal Data is a statutory or contractualrequirement, or a requirement necessary to enter into a contract.
Your Rights under theGDPR
The Company undertakes to respectthe confidentiality of Your Personal Data and to guarantee You can exercise Yourrights.
You have the right under thisPrivacy Policy, and by law if You are within the EU, to:
●     Request access to YourPersonal Data. The right to access, update or delete the informationWe have on You. Whenever made possible, you can access, update or requestdeletion of Your Personal Data directly within Your account settings section.If you are unable to perform these actions yourself, please contact Us toassist You. This also enables You to receive a copy of the Personal Data Wehold about You.
●     Request correction ofthe Personal Data that We hold about You. You have the right tohave any incomplete or inaccurate information We hold about You corrected.
●     Object to processing ofYour Personal Data. This right exists where We are relying on a legitimateinterest as the legal basis for Our processing and there is something aboutYour particular situation, which makes You want to object to our processing ofYour Personal Data on this ground. You also have the right to object where Weare processing Your Personal Data for direct marketing purposes.
●     Request erasure of YourPersonal Data. You have the right to ask Us to delete or removePersonal Data when there is no good reason for Us to continue processing it.
●     Request the transfer ofYour Personal Data. We will provide to You, or to a third-party You havechosen, Your Personal Data in a structured, commonly used, machine-readableformat. Please note that this right only applies to automated information whichYou initially provided consent for Us to use or where We used the informationto perform a contract with You.
●     Withdraw Your consent. You have the right towithdraw Your consent on using your Personal Data. If You withdraw Yourconsent, We may not be able to provide You with access to certain specific functionalitiesof the Service.
Exercising of Your GDPRData Protection Rights
You may exercise Your rights ofaccess, rectification, cancellation and opposition by contacting Us. Pleasenote that we may ask You to verify Your identity before responding to suchrequests. If You make a request, We will try our best to respond to You as soonas possible.
You have the right to complain to aData Protection Authority about Our collection and use of Your Personal Data.For more information, if You are in the European Economic Area (EEA), pleasecontact Your local data protection authority in the EEA.