Last updated: September 1, 2023
2. Principles of Data Protection
At PayLater Hub, we adhere to the following principles when handling your personal data:
Continuous Improvement: We are committed to continuously improving our data protection practices based on evolving laws, technology, and best practices.
3. Rights of Data Subjects and How to Contact PayLater Hub
As a data subject, you have certain rights regarding your personal data:
To exercise any of these rights or if you have questions or concerns about your data privacy, please contact us:
PayLater Hub Contact Information:
Please provide your name, contact information, and a clear description of your request or concern. We will respond to your request as soon as possible, in accordance with applicable data protection laws.
4. Lawful Basis for Processing Personal Data
We process personal data under various lawful bases, including:
We ensure that the processing of personal data is always in compliance with applicable laws and respects your rights and freedoms.
5. Interpretation and Definitions
5.1 Interpretation: The following definitions shall have the same meaning regardless of whether they appear in singular or plural:
“Company” (referred to as “the Company,” “we,” “us,” or “our” in this Agreement) refers to PayLater Hub Limited.
“Cookies” are small files placed on your computer or device by a website for various purposes, including tracking your browsing history.
“Country” refers to Nigeria.
“Device” refers to any device that can access our services, such as a computer, cellphone, or digital tablet.
“Personal Data” includes any information that relates to an identified or identifiable individual.
“Service” refers to the Application or the Website or both.
“Service Provider” refers to any natural or legal person who processes data on behalf of the Company.
“Usage Data” refers to data collected automatically during the use of our services.
“Website” refers to PayLater Hub, accessible from [Website URL].
“You” means the individual accessing or using our services or the company or other legal entity on behalf of which such individual is accessing or using the services.
6. Collecting and Using Your Personal Data
6.1 Types of Data Collected
6.1.1 Personal Data: While using our services, we may request and collect the following personally identifiable information that can be used to contact or identify you:
6.1.2 Usage Data: Usage Data is collected automatically when using our services and may include:
When you access our services via a mobile device, we may also collect certain information automatically, including:
We may also collect information that your browser sends whenever you visit our Service or access it via a mobile device.
6.1.3 Information Collected while Using the Application: While using our Application and with your prior permission, we may collect the following information:
We use this information to provide features of our Service and to improve and customize the user experience. This information may be stored on our servers or your device.
Cookies may 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.
6.3 Use of Your Personal Data: We use Your Personal Data for the following purposes:
6.3.1 To provide and maintain our Service: This includes monitoring the usage of our Service.
6.3.2 To manage Your Account: We use your Personal Data to manage your registration as a user of our Service. This enables you to access various functionalities of the Service available to registered users.
6.3.3 For the performance of a contract: We process your Personal Data for the development, compliance, and execution of purchase contracts, products, items, or services you have purchased or any other contract with us through the Service.
6.3.4 To contact You: We may contact you by email, telephone calls, SMS, or other electronic communication forms, such as mobile application push notifications. This contact may include updates or informative communications related to the functionalities, products, or contracted services, including security updates when necessary or reasonable for their implementation.
6.3.5 To provide You with news, special offers, and general information: We may use your information to provide you with information about goods, services, and events similar to those you have already purchased or inquired about, unless you have opted not to receive such information.
6.3.6 To manage Your requests: We use your information to attend and manage your requests to us.
6.3.7 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.
6.3.8 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.
6.4 Sharing Your Personal Data
6.4.1 With Service Providers: We may share your personal information with service providers to monitor and analyze the use of our Service and to contact you.
6.4.2 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.
6.4.4 With business partners: We may share your information with business partners to offer you certain products, services, or promotions.
6.4.5 With other users: When you share personal information or otherwise interact in public areas with other users, such information may be viewed by all users and may be publicly distributed outside our Service.
6.4.6 With Your consent: We may disclose your personal information for any other purpose with your consent.
7. Retention of Your Personal Data
We 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 improve the functionality of our Service or when we are legally obligated to retain it for longer periods.
8. Transfer of Your Personal Data
Your information, including Personal Data, may be processed at the Company’s operating offices and in other locations where parties involved in data processing are located. This means that your information may be transferred to — and maintained on — computers located outside your state, province, country, or other governmental jurisdiction where data protection laws may differ from those in your jurisdiction.
9. Delete Your Personal Data
You have the right to request the deletion of your Personal Data that we have collected about you. Our Service may provide you with the ability to delete certain information about yourself from within the Service. You may also 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.
10. Disclosure of Your Personal Data
10.2 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, such as a court or a government agency, in Nigeria.
10.3 Other Legal Requirements: The Company may disclose your Personal Data in good faith belief that such action is necessary to:
11. Security of Your Personal Data
The security of Your Personal Data is of paramount importance to us. While we take all reasonable measures to protect your Personal Data, it’s important to acknowledge that no method of transmission over the Internet or electronic storage is entirely secure. We employ commercially acceptable safeguards and security practices to protect your data, but we cannot guarantee its absolute security.
We implement a range of security measures, including but not limited to encryption, access controls, regular security audits, and ongoing staff training to protect your data from unauthorized access, disclosure, alteration, or destruction.
We are committed to maintaining the security of your Personal Data, and in the event of a data breach that may compromise your information, we will take swift and appropriate action in accordance with applicable laws and regulations to notify you and the relevant authorities, where required.
12. Children’s Privacy
Our Service is not intended for individuals under the age of 18, and 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 immediately. If we become aware that we have collected Personal Data from anyone under the age of 18 without verified parental consent, we will take prompt steps to remove that information from our servers.
In cases where we need to rely on consent as a legal basis for processing Personal Data, and your country requires parental consent, we will seek and obtain such consent before collecting and using that information.
13. Links to Other Websites
Our Service may include links to external websites or resources that are not operated by us. Please be aware that we have no control over the content, privacy policies, or practices of these third-party sites or services. We strongly advise you to review the privacy policies of any third-party websites you visit.
These links are provided solely for your convenience and do not imply our endorsement of the content or practices of these third-party websites. We do not assume any responsibility for the content, privacy policies, or actions of any third-party websites or services.
15. Contact Us
Your privacy matters to us, and we are committed to addressing any concerns or questions you may have regarding the protection of your Personal Data.