At Owlings Services Ltd (hereinafter referred to as "Owlings", "our", "we"), we consider the protection and privacy of all personal data and other data we collect to be of utmost importance and priority. This privacy policy is designed to inform you about the personal data we collect, how we collect data, the uses of the data, and your rights relating to your personal data when you access any of our platforms (both web and mobile).

This privacy policy constitute our commitment to protecting your privacy and personal data while you use any of our services. By continuing to access our services, websites and platforms (both web and mobile), you acknowledge that you have reviewed this privacy policy and agree to its terms. This also means that you have consented to the collection and use of your personal data and other applicable disclosures as described in this policy.

Personal Data we collect

We collect personal data about you when you sign up, and use the services offered on our platform. We may also collect information when you contact us through external platforms such as through the social media. The information we collect may include your personally identifiable information such as - your name, email address, mobile phone number, address; device information; and bank & debit card details and other information that may be required to provide the services you use. Also, when you apply for a loan, we may obtain your bank statement and collect information about your credit history to enable us provide the required service to you.

We retain these information for our business purposes, for regulatory obligations and to enable us provide the services that you use on our platforms. We will continue to retain, use and/or disclose this information in accordance with this privacy policy.

Purpose of collecting and use of your personal data

We collect data from you for any of the following purposes:

• Account creation: We use the data we collect from you to setup a user account for you on our platform which gives you access to the various services offered on the platform.
• To initiate transactions or provide services, maintain and make improvements to the service we provide to you.
• To develop new products and features that enhances your experience on the platform
• To provide personalized service to you, including making recommendations and providing personalized content.
• To provide you with a good user experience.

We may also collect data for other purposes as may be incidental or necessary for our business purpose or to enable your continued use of our services

Sharing of your Personal Data

We do not disclose your personal data, except for any of the following reasons:

• With other companies that provides services to us. We may share data with third party service providers that perform services and functions on our behalf which enable us provide better service to you. These third party service providers may for example in order to provide you with quality service, verify your identity, assist in processing requests and transactions, send you advertisement for our products and services, or provide customer support
• We may also share personal data with other financial institutions such as payment processors or banks, etc., to initiate payments or process transactions and keep your financial information up to date.
• With other parties to a transaction when you use their services such as other users/merchants and their service providers. The information might include personal data and account information necessary to facilitate the transaction. For example, when you pay an educational fee, your information may be shared with the educational institution, also, your name and email address may be shared with a third party merchant when you buy a transport or cinema ticket or when you pay for other services offered through our platform.

Your personal data may be shared with other third parties for business purposes and to the extent permitted by law in order to protect our rights, properties and for the safety of users of our platform.

Your rights as to your personal data

You have the right to access your personal data on our platform at all times. You also have the right to request us to produce same when needed. You have right to erasure of your personal data collected by us, you can stop the use of your personal data at any time by contacting us for that purpose.

Storage

The personal data and any other information we have about you may be stored for such period as we may determine until you terminate your account with us or you withdraw your consent.

Cookies

Cookies are information stored on your browser when you visit our application or use a social network with your PC or tablets. They contain various data which includes the name of the server. Its main purpose is for identification, which clears out over a period of time. We use the data collected by the cookies to offer you the best experience on our platforms.

Protection

We take the security of the personal data we collect very seriously, and we take reasonable measures to reduce the risk of accidental destruction, loss or unauthorized access to such information.

However, please note that we will not be liable for any personal data breach that occurred as a result of events beyond our control, or natural disasters, or when there is unauthorized access to you device(s) or access to your security pin thereby granting access to our platform and consequently to your personal data, or when you designate a third party to access your personal data.

While our service is built with strong security features to protect your personal data, you understand as well your responsibility to protect your account information such as your account security pin in order to avoid unauthorized access to your account, and consequently to your personal data.

Changes to this Privacy Policy

This Privacy Policy may be reviewed periodically at our sole discretion without prior notice to you, however if a change is deemed material, reasonable effort will be made to communicate the new change to you via email. What constitutes a material change will be determined at our sole discretion.

For all enquiry and requests relating to this privacy policy, kindly contact us at privacy@owlings.com