When you use our services, you’re trusting us with your information. We understand this is a big responsibility and work hard to protect your information and put you in control. This Privacy Policy is meant to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete your information.
This privacy policy represents the policy of betterpayweb.com, a limited liability company incorporated under the laws of the Federal Republic of Nigeria to enhance financial literacy, foster inclusivity and facilitate seamless financial transactions. This policy is made with respect to the collection, use, and management of personal data belonging to:
The term "PERSONAL INFORMATION" means information that you provide to us that personally identifies you to be contacted or identified, such as your name, phone number, email address, and any other data that is tied to such information. Our practices and procedures in relation to the collection and use of Personal Information have been set-out below in order to ensure safe usage of the Website for you.
We have implemented reasonable security practices and procedures that are commensurate with the information assets being protected and with the nature of our business. While we try our best to provide security that is better than the industry standards, because of the inherent vulnerabilities of the internet, we cannot ensure or warrant complete security of all information that is being transmitted to us by you.
The Company collects the following data from all Users:
Personal identification information, such as name, date of birth, email, address, and phone number. Supplemental identification information, such as government-issued identity documents, taxpayer identification number or national insurance number, and employment information; Financial information, including income/wealth verification documents or bank account statements
Information on your browser, IP address, location, and device. Information on your behavior on our website, including pages viewed, links clicked, keystrokes, and actions taken including copy/paste functions and Demographic informations.
Transaction information, including information related to the use of the Services, types of Services requested, dates and times of such requests, payment methods, the name of the sender, the name of the recipient, and other similar informations.
Location data, including User location searches; Communications data, including messages, comments, or file transmissions, personal calendar. Information about your internet connection, the equipment you use to access our Resources, and usage details
Additional information required by the Company (in its sole discretion) to verify a User’s identity, which may include utility bills (for example, for proof of residency).
Our Resources are not intended for persons under 18 years of age. No one under age 18 may provide any information to or on the Resources. We do not knowingly collect personal information from persons under 18. If you are under 18, do not use or provide any information on this Resources or through any of its features, register on the Resources, make any purchases through the Resources, use any of the interactive or public comment features of this Resources, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a person under 18, we will reject the application or close the account and delete that information. If you believe we might have any information from or about a child under 18, please contact us at operations@betterpayweb.com
Users may provide data directly to the Company. The Company may also collect and process data, which may include personal data, when Users:
Register online or place an order for any of our products or Services; Voluntarily complete a customer survey or provide feedback on any of our message boards or via email
Use or view the Site via its browser’s cookies
Download or use the Application
Submit content to the Site, like reviews, messages, or comments; Enable access to its device’s location tracking functionality, whether the Site or Application is running in the foreground (Application or Site open and onscreen) or background (Application or Site open but not on-screen). Certain functionality may be affected while location data is turned off.
The Company collects data from Users, which may include personal data, in order: To provide the Services and the other Resources to Users To enhance the safety and security of our Users and Services, including by protecting you and the Company from errors, misrepresentations, fraud, and/or contraventions of laws or criminal activity
For customer support, research and development.
To enable communications between users, to send marketing and non-marketing communications to users.
In connection with legal proceedings. To carry out the Company’s obligations and enforce its rights arising from any contracts with a User, including for billing and collection or to comply with legal requirements To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you.
To provide Users with information, products, or services that a User requests from the Company.
To fulfill the purposes for which a User has provided the information or that were described when it was collected, or any other purpose for which a User provides it For any other purpose with a User’s consent.
The Company provides software Services as defined in the User Agreement. The Company may collect data from its Clients in order to perform such services (the “Services”). You acknowledge, accept, and agree that without the data collected as set forth above, the Company may not be able to provide the Services and most functionality of the Application.
The security of your personal data is very important to the Company. The Company uses physical, electronic, and administrative measures designed to secure Users’ personal data from accidental loss and from unauthorized access, use, alteration, and disclosure. The Company stores all information Users provide to it behind firewalls on our secure servers. Any payment transactions will be encrypted (using SSL technology). The safety and security of User data also depends on each User. Where the Company has given a User (or where a User has chosen) a password for access to certain parts of the Resources, each User is responsible for keeping its password confidential. The Company asks each User not to share its password with anyone.
The Company securely stores User data on servers leased from a reputable third-party hosting service located in Lagos, Nigeria. Unfortunately, the transmission of information via the Internet is not completely secure. Although the Company does its best to protect Users’ personal data, the Company cannot guarantee the security of Users’ personal information transmitted to its Resources. Any transmission of personal data is at each User’s own risk. The Company is not responsible for circumvention of any privacy settings or security measures contained on the Resources.
The Company may process, store, and transfer Users’ personal data in and to a foreign country, with different privacy laws that may or may not be as comprehensive as the data privacy laws applicable to a particular User. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to a User’s personal data through the laws of the foreign country.
With your express permission, we may access your contact list on your mobile device so that you can identify your contacts on Betterpay to allow you to send money to friends and family on Betterpay by searching for their phone number, email address or username. We transmit and use this information to help you easily filter your friends on ‘Betterpay’ and to help you transact with your friends and contacts if you choose to connect your contact list information with your Account. We only access your contact list information with your explicit permission. For example, when you provide us with information about your contacts, we may use it to let you know which of your contacts have also signed up for our Services so you can send money to them for free and quicker.
We will not send messages to your contacts or make use of the data for any other purpose.
The Company retains user profile, transaction, and other personal data for as long as a user maintains their account and except as otherwise permitted or required by applicable law or regulation, only for as long as necessary to fulfill the purposes the Company collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
The Company may also retain certain information if necessary, for purposes of safety, security, and fraud prevention. For example, if the Company deactivates a User’s account because of unsafe behavior or security incidents, the Company may retain certain information about that account to prevent that User from opening a new account in the future.
Users may request deletion of their account at any time. Following such requests, the Company deletes the data that it is not required to retain for purposes of regulatory, tax, insurance, litigation, or other legal requirements. For example, the Company retains location, device, and usage data for these purposes for a minimum of 7 years; while it retains such data, it may also use it for purposes of safety, security, fraud prevention and detection, and research and development. In certain circumstances, the Company may be unable to delete a user’s account, such as if there’s an outstanding credit on the account or an unresolved claim or dispute. Upon resolution of the issue preventing deletion, the Company will delete the account as described above.
If you decide that you no longer wish us to keep or use information or you want the information to be revised or updated, please feel free to contact us. We will remove or amend the information as appropriate in accordance with our Policy and applicable legislative and regulatory requirements.
Under some circumstances, the Company may anonymize Users’ personal information so that it can no longer be associated with a particular User. The Company reserves the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to the relevant User or its consent.
We collect and use personal data only where we have one or more lawful grounds or basis for doing so under applicable privacy laws. Such grounds may vary depending on where our Users are located, but generally includes processing personal data:
Some of the Company’s products, Services, and features require that we share data with other Users or at a User’s request. The Company may share the data, which may include personal data, we collect or a User provides:
The Company may send its Users information about products and services of the Company, always with the consent of the User. Users may provide consent to marketing and promotional communication when they enroll for the Services pursuant to the User Agreement. If you have agreed to receive such marketing materials, you may always opt out at a later date. You have the right at any time to stop the Company from contacting you for marketing purposes.
If you no longer want to receive marketing-related emails from us, you may opt-out by following the instructions in any such email. We will try to comply with your request as soon as reasonably practicable. Please note that if you opt-out, we may still send you important administrative messages from which you cannot opt-out.
The Company does not sell or share User personal data with third parties for their direct marketing purposes, except with Users’ consent.
It is important that the personal data that the Company holds about each User is accurate and current. Each User should keep the Company informed if its personal data changes. By law, each User may have certain rights regarding the personal data that the Company holds about such User and may be entitled to the following:
Our refund and returns policy lasts 30 days. If 30 days have passed since your purchase, we can’t offer you a full refund or exchange.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.
Additional non-returnable items:
Gift cards
Downloadable software products
Some health and personal care items
To complete your return, we require a receipt or proof of purchase.
Please do not send your purchase back to the manufacturer.
There are certain situations where only partial refunds are granted:
Book with obvious signs of use
CD, DVD, VHS tape, software, video game, cassette tape, or vinyl record that has been opened.
Any item not in its original condition, is damaged or missing parts for reasons not due to our error.
Any item that is returned more than 30 days after delivery.
