Introduction

Squareme Technologies Nigeria Limited is a financial technology company registered in Nigeria, providing innovative digital financial solutions to individuals and businesses. Our platform facilitates seamless payments, fund transfers, and financial transactions, ensuring secure, efficient, and user-friendly services.
This Privacy Policy details how and why we might collect, process, store, use, or share your information about users of the Squareme site, other affiliated sites, and the Squareme mobile application. It also highlights your rights as a Data Subject and what options are available to you on how your personal data may be used.
Squareme is dedicated to protecting the privacy of our users and maintaining the highest level of
security on all our platforms and affiliated sites. Our core principles are honesty, integrity, innovation, and resilience, all of which are reflected in our Privacy Policy. By continuing to use our services, you accept and consent to the practices in this Policy. We will use your data in line with
the purposes outlined in this policy. We may also share your data with third parties for the fulfillment of services, but only to the extent necessary for the services you opted to allow. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.

Definition

SERVICE means the https://squareme.app website and squareme mobile application operated by
Squareme.

PERSONAL DATA means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession)

USAGE DATA is 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).

DATA CONTROLLER means a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your data..

DATA PROCESSORS / OR SERVICE PROVIDERS) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.

DATA SUBJECT is any living individual who is the subject of Personal Data.

THE USER is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.

Information Collection

Our collection of your personal data is contingent on how you use our services, what services you use, and your preferences regarding your data, where relevant. Such personal data may be sourced from third-party organisations, visits to our website and other affiliated sites, or the products or services that you use. This information is used to provide relevant marketing adverts to you, improve our services, and use the feedback to create better versions of our services. In order to serve you better, the types of information we collect are:

• Personal Data Provided by You

We collect, process, and use personal data, sensitive personal data, and other forms of information you provide us. Such data could be:

• Contact information: 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 (“Personal Data”). Personally identifiable information may include, but is not limited to:

- Email address

- First name and last name

- Phone number

- Address, State, Province, ZIP/Postal code, City

- Usage Data

• Communications: We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing at hi@squareme.app. The choice to decline to share personal data is yours. However, our services may not be available for your use or function properly without you providing the requisite information needed to ensure the smooth running of specific services that you may be interested in. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
• Information Provided Automatically

To better understand how you interact with our Services, and to enhance your experience, we collect certain information automatically when you visit our sites, use or navigate our services. Please note that this information does not identify you or provide personal information about you but includes device information such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information.

We also automatically collect service-related, diagnostic, usage, and performance data when you access or use our Services. This information is recorded in log files and may include details such as your IP address, device information, browser type and settings, and your interactions within the Services. Depending on your activity, we may log timestamps of usage, pages and files viewed, searches performed, features used, and actions taken. Additionally, we collect device event data, including system activity, error reports (also known as “crash dumps”), and hardware settings.

This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

• Information from Third Parties

In order to enhance our ability to provide our services to you and update our records, we may partner with third parties to provide information about you. Third parties may be public databases, service providers, financial institutions, identification/verification services and such. Please note that we safeguard information received from third parties in accordance with the practices outlined in this Privacy Policy, as well as any additional restrictions set by the data provider and regulatory bodies. We would never share your personal data with third parties who are noncompliant with Data Privacy regulations or intend on using your data in ways other than for the intended purpose for which the data is collected.

How we use your information

We process your personal information for various purposes based on your interactions with our Services, including:

• To provide and maintain our Service;
• To notify you about changes to our Service;
• To take action against improper use of our website;
• To allow you to participate in interactive features of our Service when you choose to do so;
• To maintain our records;
• To provide customer support;
• To gather analysis or valuable information so that we can improve our Service;
• To monitor the usage of our Service;
• To detect, prevent and address technical issues;
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
• To provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.;
• 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;
• In any other way we may describe when you provide the information;
• For any other purpose with your consent;

Information sharing

For the fulfillment of certain obligations and to provide you with full functionality with our, we may share your data with third parties with your consent. Squareme does not sell, rent or distribute your data and would never share it with third parties without your consent except as outlined in this policy. The categories of third parties we may share personal information with are as follows:

• Affiliates and subsidiaries: We may share your information with our affiliates for the functioning of our products and services. In such scenarios, our affiliates are required to abide by the policies in this Privacy Policy. Affiliates include our parent company, subsidiaries, joint venture partners, and other entities we control or that are under common control with us.
• Service providers: We may share your information with third parties that we work with for the fulfillment of certain services. Your usage of your personal data is governed by a contractual agreement on how the data is to be used, how it is stored and for how long the service providers shall have access to it.
• Corporate Transactions: In a corporate transaction involving the proposed sale or actual sale/transfer of portions or the entirety of our business, your information
• Advisors: Professionals such as Insurers, auditors, lawyers and the like may have access to your data in the course of providing professional services.
• Legal and law enforcement: We may collect, use or store personal data in compliance with applicable laws and regulations.

Data Security

We have implemented appropriate and reasonable technical and organizational measures to safeguard the security of any personal information we process. Additionally, we have established policies to safeguard the confidentiality and security of your nonpublic personal data, including a comprehensive privacy protection policy. Access to your personal data is restricted to employees with a legitimate business need, and the company enforces security practices and procedures designed to protect its confidentiality, prevent unauthorized disclosure, and ensure compliance with applicable policies.In the unlikely event that there is a data breach, Squareme will dedicate itself to mitigating any loss or damage caused by the breach. If necessary, we will notify you and the appropriate authorities.

If you have selected a password to access certain sections of our website or mobile application, you are responsible for maintaining its confidentiality. We strongly advise against sharing your password with anyone. Additionally, we have implemented robust security measures to protect your personal data, including firewalls, restricted access for authorized personnel, encryption protocols, and continuous training for relevant staff. These digital and physical security safeguards are designed to minimize and prevent data privacy breaches.

Despite our security measures and efforts to protect your information, no method of electronic transmission over the internet or data storage technology can be guaranteed to be completely secure. As a result, we cannot guarantee that hackers, cybercriminals, or other unauthorized parties will be unable to bypass our security measures and unlawfully access, steal, or alter your information. While we are committed to safeguarding your personal data, the transmission of information to and from our services is at your own risk. We recommend accessing our services only within a secure environment.

User Rights

In addition to the rights attributed to users in this Privacy Policy, your personal data is protected by the relevant Data Protection laws. These rights include:

• Right to request for Personal Information collected and stored by us. To exercise this right, please write to our Data Protection Officer at hi@squareme.app.
• Right to be informed of what purposes your collected data may be used for.
• Right to withdraw consent at any time.
• Right to request that your personal information be deleted.
• Right to rectify information submitted to us in order to reflect accuracy.
• Right to submit a complaint to the Nigeria Data Protection Commission.
• Right to object to marketing material.
• Right to object to decisions based on the automated processing of your personal data.

For more information or to exercise your data protection rights, please contact our Data Protection Officer at hi@squareme.app.

We strive to process all subject access requests within thirty (30) days. If an extension is needed, we will notify you through your preferred communication channels at no cost. Please note that you may continue to receive existing communications during a transitional period while we update your preferences.

Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy notice unless a longer retention period is required or permitted by law, such as for tax, accounting, or other legal obligations. Squareme is legally required to retain the data you provide to process transactions, facilitate settlements, issue refunds, detect fraud, and comply with applicable laws and regulatory requirements. We regularly review the data that we store and the criteria by which we store them. As part of our obligations under the Payment Card Industry Data Security Standard (PCIDSS), we are required to retain personal data for a minimum of ten (10) years from the end of our business relationship with you. When the need to retain your data is no longer necessary, the data has fulfilled the purpose for which it was collected or you request for your personal information to be deleted, we ensure that it is securely deleted, anonymized, or destroyed.

We retain your Personal Information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including after the end of our relationship with you. Additionally, we may retain your data for any period required to establish, exercise, or defend legal claims. For statistical and analytical purposes, we may store de-identified Personal Information indefinitely. This anonymized data helps us improve our Services and understand usage trends, but it cannot be linked back to you personally.

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide Service on our behalf, perform Service-related services or assist us in analysing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service. Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en. We also encourage you to review the Google's policy for safeguarding your data.

Mixpanel is provided by Mixpanel Inc. You can prevent Mixpanel from using your information for analytics purposes by opting-out. To opt-out of Mixpanel service, please visit this page: https://mixpanel.com/optout/.

CI/CD tools

We may use third-party Service Providers to automate the development process of our Service

GitHub is provided by GitHub, Inc. GitHub is a development platform to host and review code, manage projects, and build software. For more information on what data GitHub collects for what purpose and how the protection of the data is ensured, please visit GitHub Privacy Policy page: https://help.github.com/en/articles/github-privacy-statement

Behavioural Remarketing

Squareme uses remarketing services to advertise on third party websites to you after you visited our Service.

Google Ads (AdWords) remarketing service is provided by Google Inc. You can opt out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads

Google also recommends installing the Google Analytics Opt-out Browser Add-on ( https://tools.google.com/dlpage/gaoptout) for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Twitter remarketing service is provided by Twitter Inc. You can opt-out from Twitter's interest-based ads by following their instructions: https://support.twitter.com/articles/20170405. You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy.

Facebook remarketing service is provided by Facebook Inc. You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950. To opt-out from Facebook's interest-based ads, follow these instructions from Facebook:

https://www.facebook.com/help/568137493302217. Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/; the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/; or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/; or opt-out using your mobile device settings.

For more information on the privacy practices of Facebook, please visit Facebook's Data Policy.

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click 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

Children's Privacy

Our Services are not intended for use by children under the age of 18. We do not knowingly collect personally identifiable information from Children under 18. If you become aware that a Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we will take steps to remove that information from our servers.

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 “effective 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.

Contact Us

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

By email: hi@squareme.app.