1. Introduction
Welcome to Eretide ("we", "our", or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our websites, apps, products, and services (collectively, the "Services"). By using the Services, you agree to the practices described here.
2. Scope & Definitions
This policy applies to personal data processed by us as a controller. "Personal data" means any information relating to an identified or identifiable individual. Additional terms may apply based on your location or product.
3. Data We Collect
3.1 Information you provide
- Account details (name, email, phone, address)
- Identity/KYC information (e.g., government ID, selfie, date of birth)
- Financial data (payment methods, transaction details)
- Support communications and feedback
3.2 Information we collect automatically
- Usage data (pages viewed, features used, links clicked)
- Device and log data (IP, OS, browser, device identifiers)
- Approximate location (derived from IP), language and timezone
- Cookies and similar technologies (see Cookies section)
3.3 Information from third parties
- Fraud prevention and KYC/AML partners
- Financial institutions and payment networks
- Marketing and analytics providers (with your consent where required)
4. How We Use Your Information
- Provide, operate, and improve the Services
- Process transactions and maintain accounts
- Verify identity, prevent fraud, and ensure security
- Comply with legal obligations (e.g., KYC/AML, tax, reporting)
- Personalize experiences and communicate with you
- Conduct analytics, research, and product development
- With consent, deliver marketing communications
5. Legal Bases (EEA/UK)
Where GDPR or similar laws apply, we rely on:
- Performance of a contract
- Compliance with a legal obligation
- Legitimate interests (balanced with your rights)
- Your consent (which you may withdraw at any time)
6. How We Share Information
- Service providers acting on our behalf under agreements
- Financial institutions, card schemes, and payment partners
- Affiliates and group companies (for consistent service)
- Authorities or law enforcement when required by law
- Business transfers (e.g., merger, acquisition)
7. Cookies & Tracking
We use cookies, local storage, and similar technologies for authentication, security, preferences, and analytics. You can manage cookies in your browser settings or via our cookie banner where available.
8. Data Retention
We retain personal data only as long as necessary for the purposes outlined in this policy, including to meet legal, accounting, and reporting obligations. Retention periods vary by data type and jurisdiction.
9. Security
We implement appropriate technical and organizational measures to protect personal data. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.
10. Your Rights & Choices
Depending on your location, your rights may include:
- Access, correction, deletion, or portability of your data
- Restriction or objection to processing
- Opt-out of marketing communications
- Withdraw consent at any time
- Appeal a decision or lodge a complaint with a regulator
You can exercise these rights by contacting us (see Contact section). We may need to verify your identity before fulfilling requests.
11. Children’s Privacy
Our Services are not directed to children where prohibited by law. We do not knowingly collect personal data from children without appropriate consent.
12. International Data Transfers
We may transfer personal data to countries that may not provide the same level of data protection as your jurisdiction. Where required, we use appropriate safeguards (e.g., Standard Contractual Clauses).
13. Third-Party Links & Services
Our Services may contain links to third-party websites or features. We are not responsible for the privacy practices of those third parties. Review their policies for details.
14. Changes to This Policy
We may update this policy from time to time. Material changes will be communicated via the Services or by other reasonable means. The "Last updated" date reflects the most recent changes.
15. Contact Us
If you have questions or requests regarding this policy or your personal data, contact us at:
Privacy Office, Eretide Ltd.123 Example Street, City, Country
privacy@example.com • +234 000 000 0000
16. Regional Addenda
- Right to know, delete, correct, and opt-out of sale/share of personal information.
- Notice at collection: purposes and retention disclosed at or before collection.
- Use Do Not Sell or Share My Personal Information links where applicable.
- Controller details and DPO contact (if applicable).
- Legal bases, data subject rights, and transfer safeguards.
- Right to lodge a complaint with a supervisory authority.
- Data processing principles and lawful bases per NDPR.
- Rights to rectification, erasure, and data portability.
- Contact the National Information Technology Development Agency (NITDA) for complaints.