Last updated: November 15, 2024

Finserve Investment Limited (‘‘Finserve’’ or ‘‘We’’ or ‘‘Our’’) respects your Personal Data Protection Policy. This Privacy Policy explains who we are, how we collect, share and use personal information about you, and how you can exercise your privacy rights. including but not limited to the Nigeria Data Protection Regulation Act (NDPR) 2023 and any other relevant National Data Protection Legislations. This Privacy Policy only applies to personal information that we collect through our services on our website at www.finserinvesment.com and our mobile Application (“The Services”).

If you have any questions or concerns about our use of your personal information, please contact us using the contact details provided at the bottom of this Privacy Policy.


The Services, Third Party Links and Contents:

  1. The Services contains third party links to other websites or services. Please be aware that we are not responsible for the content or privacy practices of such other third-party websites or services. We encourage our users to be aware that when they leave the Services, they are to read the privacy policy of any other site that collects personal information.
  2. When you use our Services or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties may include:

    a. Your mobile service provider
    b. Your mobile device manufacturer
    c. Advertisers, ad networks and ad servers
    d. Analytics companies.
  3. These third parties may use tracking technologies to fetch information about you when you use their websites or services. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites, apps and other online services websites.
  4. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties' tracking technologies or how they may be used.

We use Your Personal data to provide and improve our Services. By using the Services, You agree to the collection and use of information in accordance with this Privacy Policy. By the use and entry into our website or mobile app, and submitting or requesting information, you are deemed to have understood and agreed to the terms of this policy and use, and consent to our use of cookies in accordance with the terms of this Policy, and you will be treated as having given your consent also, for information processing as regards to the provision in this Privacy Policy. .

We respect your privacy as a user or visitor and understand that personal information and identity is highly confidential and sensitive, so we are committed to taking logical steps to protect personal information and Sensitive Personal Data or Information of users of this service in compliance with all regulatory and /or contractual obligations in respect to Data Privacy. .


Interpretation and Definitions
Interpretation

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. .


Definitions

For the purposes of this Privacy Policy: .

Account means a unique account created for You to access our Service or parts of our Service.

Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 51% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

Application refers to Finserve Application, the software program provided by the Company.

Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Finserve Investment Limited.

Country refers to Nigeria and other Nations of the World

Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Personal Data is any information that relates to an identified or identifiable individual.

Service refers to the Website and Application

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 analyzing how the Service is used.

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).

You mean 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.

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Collecting and Using Your Personal Data
How We Generate Data

1. We generate Data through the following medium;

a. Data that our users furnish us with during account creation which include:

i. User profile: some of the data collected include names or initials, age, gender, email and residential address, work address, details of next of kin, dates of birth, mobile numbers, professional or employment-related information (e.g. professional title and credentials), gender, username and password, financial information such as bank account or credit card or other payment instrument details, criminal records and history, and other information that you may provide during account registration or otherwise.

ii. User generated content: We collect the information users provide or generate when they use our services or interact with our customer support. We also collect information through ratings, research, and survey responses. Please note that all survey responses are voluntary, and the information collected will be used for research and reporting purposes to help us better serve users. We can achieve this by learning more about their needs and the quality of our products and services. We may also share anonymous user’s data for research and analysis purposes. We also maintain records of our communications and meetings with you.

iii. Demographic data: We collect demographic data about users such as age, gender, employment status and income through user surveys. This would help us to determine if our services are well received, the areas with larger subscription and how we are to improve our services

b. Data gathered during the use of our services.

i. Location data: This data is collected when the app is opened on screen or in the background of user’s devices.

ii. App usage data: These includes but are not limited to data involving the app features and crashes, viewed pages, browser used, date and time of usage, sites and services of third parties visited and other service activity. In certain cases, we may use cookies, pixels, tags and other similar tracking technologies to create unique identities for users.

iii. Device data: Data about mobile devices used to access our services are crucial to us. We may collect data that deals directly with the device’s hardware models, its file management and operating system, the versions of the devices, IP address, installed software, advertising identifiers, and other data needed to identify the device.


Due Diligence
  1. You agree that we retain the right to carry out due diligence where necessary to confirm the authenticity of the data generated through technological intelligence.
  2. Kindly note that we collect additional information through:
a. User’s assessment, such as ratings, complaints, or compliments.
b. Third party data: We encourage referrals, however where a person is referred to Us by a User, such User is obligated to provide us with the data of the referred person and the referred person agrees that we are permitted to receive and process his data. This also applies to the use of users’ account by a third party.
c. Data provided by Users in connection with any legal rights, claim, proceedings or dispute.
d. Data available to the public.
e. Data received through marketing sources.
f. User’s data received from our business partners and affiliates through which user’s access our services. Examples includes payment providers, other apps and websites that use our API’s or whose API’s we use.

We may also merge the data collected from other sources with the data in our possession to carry out our due diligence.

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, last name, middle name, Phone number, Address, State, Province, ZIP/Postal code, City, Usage Data, Occupation and Date of Birth.

Usage Data

Usage Data is collected automatically when using the Service which 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.

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 registration as a user of the Service, Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

• For the performance of a contract, the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

• 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 unless You have opted not to receive such information.

• 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 Our assets, 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 to evaluate and improve our Service, products, services, marketing and your experience.

• We may share Your personal information with Competent Law Enforcement Body, Regulatory, Government Agencies, Court or other third party, where we believe disclosure is necessary, as a matter of applicable law or regulation, or to exercise, establish or defend our legal rights and also to protect your vital interests or those of any other person; to any other person with your consent to the disclosure.

• With Service Providers, We may share Your personal information with Service Providers to monitor and analyze the use of our Service, 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 a portion 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 any other 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, services or promotions.

• With other users, when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.

Retention of Your Personal Data

The Company will retain Your Personal Data only for a maximum period of 5 (Five) years for the purposes set out in this Privacy Policy. We may 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 maximum period of 5 (Five), 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 period.

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.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You. Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

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 by law or in response to valid requests by public authorities (e.g. a court or a government agency).

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.


Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.


Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Notice of updated and/or modified privacy policy shall remain on our website for a period of 90 days from the date of publication after which it shall be taken down. By continuing to use the site and mobile application you agree to be bound by the terms of the new policy.


Data Protection Rights of Users

Just as we understand that privacy is important in this digital world, we also acknowledge the rights of our users as regards these data. To this end, users have the right to the following;

a. The right to withdraw consent for your data to be processed;
b. Right to erase and delete your data
c. Right to have your data transferred at your request
d. Right to object to your data being processed.


Updates to this Privacy Notice

We may update this Privacy Policy from time to time in response to changing legal, technical or business developments. When we update our Privacy Notice, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Notice changes if and where this is required by applicable data protection laws.

You can see when this Privacy Notice was last updated by checking the “last updated” date displayed at the top of this Privacy Notice.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: info@finserveinvestment.com

By phone number: 0817 014 9580, 0706 059 5678

Denounce with righteous indignation and dislike men who are beguiled and demoralized by the charms pleasure moment so blinded desire that they cannot foresee the pain and trouble.