Privacy Policy

Vatebra is an Information Systems and Technology organization with a visible footprint in the ICT industry across Nigeria, West Africa sub region, and key countries in the rest of Africa. Over the years, the organization has repeatedly succeeded in delivering IT systems and turnkey portal solutions to both public and private sectors within its strategic focus areas which includes Education, Payment, Collections, and Health Care inter alia.

This privacy policy will explain how our organization uses the personal data we collect from our customers and related partners when you use our website or subscribe to use any of our products and services

Vatebra conducts business in a responsible and sustainable manner and ensures customer information is securely collected, processed and stored based on business requirements. In furtherance to this and compliance with industry regulations, Vatebra has made appropriate documentation, which includes a privacy policy. Vatebra, therefore, provides notice about this policy, applicable procedures and identifies the purposes for which personal information is collected, used, processed, disclosed, retained and disposed of.

Throughout this Privacy Policy, we use the term "personal information or data" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

As a Customer, you accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively referred to as "Vatebra Services").

This Privacy Policy is intended to govern the use of Vatebra Services by users (including, without limitation those who use these Vatebra Services in the daily course of their trade, practice or business) unless otherwise agreed through contract. Users reserve the right to exercise their data protection rights as listed under the Customer Data Protection Rights.

We collect Personally Identifiable Information (PII), otherwise known as Personal Information or Personal Data. They include Name, email address, phone number, contact address, location data, device data, etc.

Customers' data is collected electronically and manually when they visit our website and register to use any of our services. This is collected electronically with exchanges between your system (Computer, Server, Mobile Device) or service provider's system and our system.

We collect Customers' data manually when they complete our product and services registration forms in registering to use any of our services. Similar data are also collected when customers or visitors' visit our physical locations for inquiries or business relationships.

We collect information from or about customers from other sources, such as through your contact with us, including our Customer Support interfaces – email, portal, phone calls, social media, and other communication channels; Customer support teams, Customer response to surveys, Training programmes, Corporate Social Responsibility events, Promotional events, and interactions with members of the Vatebra Group or other companies (subject to their privacy policies and applicable law).

We may also obtain information about you from third parties such as credit bureaus and identity verification services.

We collect personal information to provide users of our services with a secure, smooth, efficient, and customized experience. Furthermore, the information collected may also be used to provide Vatebra Services and customer support; process transactions and send notices about your transactions; verify your identity, including during account creation and password reset processes; resolve disputes, collect fees, and troubleshoot problems; manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities; detect, prevent or remediate violations of policies or applicable user agreements.

We also collect personal information to improve Services by customizing your user experience; measure the performance of the Vatebra Services and improve their content and layout; manage and protect our information technology infrastructure; provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences; contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging; perform creditworthiness and solvency checks, and compare information for accuracy and verify it with third parties.

Additionally, we may contact you via electronic means to notify you regarding your account profile with us, to troubleshoot problems with your account profile, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Furthermore, we may contact you to offer coupons, discounts, and promotions, and inform you about Vatebra Services or its group services.

Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, auto dialed or prerecorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.

We store and process your personal information on our computers in Lagos, Nigeria and anywhere else where our facilities are located. We protect your information 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 to our data centers, and information access authorization controls. We have also taken additional measures by ensuring our system complies with industry information security standards.

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine customer's information with information collected from other companies and use it to improve and personalize Vatebra Services, content, and advertising. We have also included an opportunity for customers that had initially subscribed to receiving notification or information about their activities in relation to the use of Vatebra's service to unsubscribe or request to be removed from applicable databases.

Sharing Personal Information with Other Vatebra Users

We work with third parties, including merchants, to enable them to accept or send payments from or to Customers using Vatebra Services. In doing so, a third party may share information about customers with us, such as email address or mobile phone number, to inform such customers that a payment has been sent. We use this information to confirm that users are Vatebra customers and that Vatebra as a form of payment can be enabled, or to send customer notification of payment status. Also, we may oblige a request to validate that a customer transacts business with Vatebra.

Vatebra will not keep nor disclose your credit/debit card number or bank account number to anyone or with the third parties that offer or use Vatebra Services, except with customers' express permission or if we are required to do so to comply with credit/debit card rules, a subpoena, or other legal processes.

Sharing Personal Information with Third Parties

We may share customers' personal information with:

• Members of the Vatebra group to provide joint content, products, and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications. This information will only be used for marketing communications only if customers have requested for the services.
• Financial institutions that we partner with to jointly create and offer a product may only use this information to market Vatebra related products unless the customer has given consent for other uses.
• Credit bureaus and collection agencies to report account information, as permitted by law.
• Banking partners as required by credit/debit card association rules for inclusion on their list of terminated merchants.
• Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to customer personal information. Customers will receive prior notice if personal information would be used contrary to this policy).
• Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Vatebra or one of its affiliates; when we need to do so to comply with law or credit/debit card rules; 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 our User Agreement.

Other unaffiliated third parties, for the following purposes:

• Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.
• Shipping: in connection with shipping and related services for purchases made using Vatebra Services.
• Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
• Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use customer information in connection with the services they perform for us and not for their own benefit.

Other third parties with your consent or direction to do so.

Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in our country of primary jurisprudence.

If customers open any of our products and services or related dealer or agent wallet accounts directly on a third-party website or via a third-party application, any information that is entered on such systems (and not directly on an Vatebra website) will be shared with the owner of the third-party website or application. These sites are governed by their own privacy policies and customers are encouraged to review their privacy policies before providing them with personal information. Vatebra is not responsible for the content or information practices of such third parties.

Vatebra is committed to adequately protecting customers' personal information regardless of where the data resides and to providing appropriate protection for where such data is transferred across borders, including outside of Nigeria. We have further taken measure to ensure our relationships are with countries that are governed by similar data protection regulation as we are, and further assessment of other entities are being taken to provide a reasonable assurance of the safety of customer's information.

Our customers have data protection rights and are entitled to the following:

Customer requests based on any of the rights above shall be handled between 2 to 4 working weeks. Customer may contact us by email or writing:

Email us at:
dpo@vatebra.com

Call us at:
+234 906 254 7274

Write to us at:
Unit 8, Plot 2, Block 47, Babatunde Anjous Avenue, Lekki Phase One, Lagos, Nigeria.

When Customers access our websites or use Vatebra Services, we may place small data files on your computer or other devices. These data files may be cookies, pixel tags, "Flash cookies," or other local storage provided by your browser or associated applications (collectively referred to as "Cookies"). These technologies are used to recognize users as customers; customize Vatebra Services, content, and advertising; measure promotional effectiveness; help ensure that account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across Vatebra Services and related sites.

Users can freely decline our Cookies if the web browser or browser add-on permits unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with users' use of our websites and Vatebra Services.

This privacy policy applies to only Vatebra and not any other brands, though they are mentioned on our websites. Neither does it apply to our Merchants, Vendors, or other related partners.

Please refer to the end of this notice for providing your consent. Your consent to personal data collection and processing may be revoked by notifying us via our contact page. For users below the age of 16, the consent should be provided by the holder of parental responsibility of the child.

Please note, in case you choose to not provide us with the consent or withdraw the consent at any given point of time, we shall not be able to provide the services to you.

We review our privacy policy periodically and when there is any substantial change to business or regulatory requirements. At the minimum, we shall review this annually and communicate via our communication channels such as Newsletter, on Website, Social Media Accounts.

Customers who have concerns, questions about the privacy policy or would like to exercise their protection rights can contact us through the following channels:

Email us at:
dpo@vatebra.com

Call us: +234 906 254 7274

Customer Contact Centre +234 906 254 7274

Or write to us at Vatebra Limited, Unit 8, Plot 2, Block 47, Babatunde Anjous Avenue, Lekki Phase One, Lagos, Nigeria.

I have read all the terms and conditions within this Notice and hereby agree/ disagree to use of my personal data for above mentioned purposes.