Digicore Limited (“Digicore”) assists financial service providers in Africa to transition to a more digital approach by implementing technological solutions that digitise core operations, automate processes, and manage payments. As a data controller and processor, Digicore handles personal information to facilitate payments, manage collections, and monitor financial transactions (“Services”).

This Privacy Notice (“Notice”) guides your use of our Website: https://www.digicoreltd.com/ (“the Website”) and your rights regarding our collection, use, storage and protection of your personal data when you visit, access, browse through and/or use our Website or Services. Your privacy is important to us.

Our Services are mainly designed for banks and financial institutions, not individual consumers. We handle personal data on behalf of these businesses but do not control or take responsibility for their privacy practices. If you are a customer of a financial institution, please refer to their privacy notice for information and inquiries about privacy.

Your Personal Data That We Process

Personal data means any information about an individual from which that person can be directly or indirectly identified. We do not consider personal data to include information that has been made anonymous such that it does not identify a specific user. In connection with the services we provide, we collect personal and financial information from you while you use our products, services, and websites. We may ask you to provide us with certain personal data directly to contact or identify you, and some automatically for our Website to function effectively. The personal data we obtain include:

Service Users:

Full name of registrant
Personal or company email address
Company/business name

All visitors

The domain name of the Internet service provider (ISP)
Data and time of your visits
The Internet protocol address used to connect your device to the Internet for identification purposes
Web pages visited, duration and frequency of visit
Device identifier
Information about the device and software used to access the website;
Operating system version and web browser.

Cookies

Cookies are tools used to collect information automatically from you when you visit our Website. Our Website uses cookies to set user preferences while on our Website and also track page visits and access to content, such as videos uploaded for content. For more details on our use of cookies, see our Cookie Notice.

Lawful Bases for Processing Data

We are required to process your data under at least one of these lawful bases:

Legitimate interest: Processing your data is necessary for our legitimate interests or the legitimate interests of a third party, provided your rights and interests do not outweigh those interests.
Consent: You have given explicit consent for us to process your data for a specific purpose.
Contract: If your data processing is necessary for a contract you have with us or because we have asked you to take specific steps before entering into that contract.
Legal obligation: If the processing of your data is necessary where there is a statutory obligation on us.

Purpose of Processing Your Data and The lawful Basis

We collect your data to;

Purpose of Processing	Lawful Bases
To provide our Services to You To enforce our terms of service and any terms and conditions of any other agreements for our Services.	contract
To maintain our Service We process statistical data to improve our business, to determine the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.	Legitimate Interest
To provide you with news, special offers and general information about other goods and services and events similar to that which you have registered for	Consent
To secure our Website and prevent fraud	Legitimate Interest, Legal Obligation
To manage Your account. To communicate with you and for customer support.	Contract
To inform you whenever there are changes to our terms of business or services, or our privacy notice.	Legal Obligation, Contract

Your Rights As a Data Subject

The law vests you with certain rights as a data subject.

They include the right to;

Access personal data we hold about you by requesting a copy of the personal data we hold about you;
Rectify such information where you believe it to be inaccurate;
Restrict the processing of your data in certain circumstances;
Object to the processing of your data where we intend to process such data for marketing purposes;
Where feasible, receive all personal data you have provided to us —in a structured, commonly used, and machine-readable format—and transmit the information to another data controller;
Request the erasure of your data (also known as the right to be forgotten);
Withdraw your consent to the processing of your personal data; and
Lodge a complaint with a relevant authority, where you have reason to believe that we have violated the term(s) of this Privacy Notice. (You may complain or seek redress from us within 30 days from the time you first detected the alleged violation).

You may seek to exercise any of the above rights at any time by sending an email to us via dataprotection@digicoreltd.com

The supervisory authority is the Nigerian Data Protection Commission (NDPC), and you can send your complaint via email to info@ndpb.gov.ng

We may share your data with the following third parties:

Google Analytics:

We use various Google APIs and services for our website's operation. Read Google's privacy notice here.

Rss2json:

We use this tool for easier integration and consumption of syndicated content when we are integrating with other applications or systems. Read the privacy notice here.

Banks and other Financial institutions:

We collaborate with various financial institutions to provide our Services. If you are a customer of a financial institution, we collect and share your payment and transactional data with your financial institution as is necessary for payment processing, fraud prevention, credit risk reduction, or other related financial services.

Acquiring Companies:

We may share or transfer your personal data in connection with, or during negotiations of, any merger, sale of Digicore's assets, financing, or acquisition of all or a portion of our business by another company.

Our Affiliates:

We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Notice. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

Business Partners and Service Providers:

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

Law enforcement, Government Officials:

We may disclose your data pursuant to a subpoena, or court order, when we need to do so to comply with the law or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of any agreement we have with you.

Legal/ Regulatory Authority:

We may disclose your data if we believe it is reasonably necessary to comply with a law, regulation, order, subpoena, audit, or to protect the safety of any person, to address fraud, security, or technical issues.
Note that if you wish to prevent your device's operating system from sharing your Personal Data with Us or with the third parties mentioned for profiling purposes, you can do so by setting up your device appropriately namely, by changing the privacy settings on your device to disable/restrict any advertising tracking features. For more information on this, please see the following links:

Retention of Your Data

Your personal data or any other information collected will be stored for as long as necessary to fulfil the purposes described in this Notice. However, we will also retain personal data based on relevant provisions of applicable laws, to resolve disputes, and enforce our legal agreements and policies. In addition, we delete your data for targeted marketing purposes once you unsubscribe from our marketing communications. Please note that your data may be retained for a more extended period, notwithstanding your request to remove your data, where there is a legal requirement to do so.

How Your Data is Stored

We store and process your data. We protect your data using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls, and information access authorization controls. Where there is an actual or suspected data breach capable of causing harm to your rights and freedoms, we will notify you without undue delay and use our best effort to remedy the violation within one (1) month from the date we notify you.

International Transfer of Data

To achieve the purposes described in this Notice, we may transfer your data to countries that may not offer an adequate level of protection or are not considered to have sufficient laws by the Nigeria Data Protection Commission (NDPC). Where personal data is to be transferred to a country outside Nigeria, we shall take adequate measures to ensure data security. Our data transfers to countries that do not offer an adequate protection level are subject to the conditions under the Nigeria Data Protection Act (NDPA). We will therefore only transfer Personal Data out of Nigeria on one of the following conditions:

Your consent has been obtained
The transfer is necessary for the performance of a contract between Us and you or implementation of pre-contractual measures taken at your request
The transfer is necessary to conclude a contract between Us and the third party in your interest;
The transfer is necessary for reason of public interest;
The transfer is for the establishment, exercise or defense of legal claims;
The transfer is essential to protect your vital interests or other persons, where the Data Subject is physically or legally incapable of giving consent.

To obtain any relevant information regarding any transfers of your Personal Data to third countries (including the appropriate transfer mechanisms), please contact us.

Marketing and Communication

We only send marketing communications to you with your consent. You may choose to opt out of our marketing emails by clicking on the unsubscribe button at the footer section of our newsletter.

Security of Your Data

We are very particular about preserving your privacy and protecting your data. We deploy all reasonable and appropriate technical and organizational measures to keep your data safe. However, we cannot completely guarantee the security of any information you transmit via our Website, as the internet is not an entirely secure place. Nevertheless, we are committed to doing our best to protect you.

Complaints

If you are concerned about an alleged breach of data protection law or any other regulation by us, you can contact the Information Security Manager (ISM) via dataprotection@digicoreltd.com. The ISM will investigate your complaint and provide information about how your complaint is handled. Please be informed that you may complain to the relevant data protection authority if your complaints are not satisfactorily addressed.

Changes to Notice

We update our privacy notice from time to time. We will notify our users when we change it, and visitors will know this by checking the last date of update on this page whenever you visit.

Contact Us

If you have any questions relating to this Notice, your rights under this Notice, or are not satisfied with how we manage your personal data, kindly reach out to our Information Security Manager atdataprotection@digicoreltd.com.

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Privacy Policy