Privacy Policy
Privacy Policy
Last updated: 6th, October 2024
This privacy policy (this "Privacy Policy") explains how personal information is collected, used, stored, and disclosed by IgbigiTechnology Limited. ("Igbigi" "we," "us," and "our"). We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy applies to consumer users (individually referred to as "you") of our websites, applications, and other online services to which this Privacy Policy is posted (collectively, our "Services").
This Privacy Policy is part of our Terms of Use. By accessing or using our Services, you agree to this Privacy Policy and our Terms of Use. The provisions contained in this Privacy Policy supersede all previous notices and statements regarding our privacy practices with respect to our Services. If you do not agree to every provision of this Privacy Policy and our Terms of Use, you may not access or use our Services.
Application of this Privacy Policy This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumer electronic device (each, a "Device").
Information We Collect
Information You Provide Us In general, you can visit https://www.igbigi.com without telling us who you are or revealing any information about yourself. When you submit an inquiry via our Services or register for an Igbigi account, we may collect personal information from you, which may include your name, email address, mobile phone number, banking information, and any other information that identifies you (collectively, "Personal Information"). By providing your Personal Information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.
We may also ask you to create login information for your Igbigi account, such as a username and password. When you provide your mobile phone number or email address we may ask for your consent to receive text messages or emails relating to our Services at that number or email address.
Information About Your Transactions We collect Personal Information about your transactions with us and others. Information From Third Parties We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency.
Information Automatically Collected We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal Information as well as statistical information that does not identify you ("Analytics"). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.
Information that we automatically collect in connection with your access or use of our Services may include: Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Igbigi account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
Information Collected Through Cookies and Similar Technologies We may use cookies to personalize our Services and collect aggregate usage information. Cookies are text files or identifiers stored by your browser that help us enhance your experience, analyze your usage pattern and recognize your devices.
Types of Cookies We Use:
We do not control third-party cookies and are not responsible for their actions or policies. This clause serves to protect and give consent for potential cookie usage. By accessing or using our Services, you consent to the placement of cookies on your Devices as described in this Privacy Policy. If you prefer not to receive cookies through our Services, you may control how your browser responds to cookies by adjusting the privacy and security settings of your web browser. Unless you set your browser settings to refuse all cookies, our system may issue cookies when you access or use our Services. If you set your browser settings to refuse all cookies, the performance of certain features of our Services may be limited or not work at all.
Do Not Track Signals
Do Not Track ("DNT") is an optional setting available in some web browsers that allows users to communicate their preferences regarding tracking by advertisers and other third parties. Please note that we do not utilize technology that recognizes DNT signals from your browser.
How We Use Information We may use Analytics as described elsewhere in this Privacy Policy and for research and commercial purposes, such as to improve our Services.
We may use Personal Information for the purposes described elsewhere in this Privacy Policy and internally for our general commercial purposes, including, among other things, to offer our products and services and products and services of third parties that we think you might find of interest, but only Igbigi and our third-party service providers involved in distributing the offers or providing the products or services will have access to your Personal Information. Our third-party service providers will only be permitted to use Personal Information for that intended purpose.
We may use your email address to respond to your inquiries and to provide you information about our Services. You may elect not to receive promotional emails from us either by "unsubscribing" to an email you receive from us or by contacting us as indicated below. If you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your Igbigi account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.
How We Share Information We do not share your Personal Information with: (1) other financial companies for joint marketing purposes; (2) affiliated companies for their everyday business purposes; or (3) any third parties so they can market to you.
We may share your Personal Information with unaffiliated third parties: (1) if you request or authorize it; (2) if the information is provided to help complete a transaction for you; (3) if the information is provided to: (a) comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.); (4) if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets); (5) if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, etc.); (6) for our everyday business purposes; or (7) as permitted by applicable law or otherwise described in this Privacy Policy. When you are no longer our customer, we continue to share your information as described in this Privacy Policy. We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes.
Opt-Out Rights If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that you are NOT able to opt out of receiving communications about your Igbigi account or related transactions with us.
Accessing Your Information
You must notify us of any change in your Personal Information by updating your Igbigi account profile through our Services. Any changes will affect only future uses of your Personal Information.
Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will respect your wishes to correct inaccurate information. Otherwise, we will hold your Personal Information for as long as we believe it will help us achieve our objectives as detailed in this Privacy Policy.
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.
Information You Share Socially Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends. Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.
Security We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration.
We utilize JSON Web Tokens (JWT) to securely transfer data between users and our servers. Additionally, we employ robust cryptographic algorithms to encrypt and sign user data, ensuring it remains confidential and protected from data manipulation.
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your Igbigi account and do not share them with others. If we receive instructions using your Igbigi account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Igbigi account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Igbigi accounts, and to remove or edit content.
Protecting Children's Privacy Our Services are not directed, or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.
Links to Third-Party Websites When you use our Services, you may be directed to other websites that are beyond our control. We may also allow third-party websites or applications to link to our Services. We are not responsible for the privacy practices of any third parties or the content of linked websites, but we do encourage you to read the applicable privacy policies and terms and conditions of such parties and websites. This Privacy Policy only applies to our Services.
Changes to our Privacy Policy Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will post the revised version via our Services and will update the date at the top of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services is subject to the version of this Privacy Policy in effect at the time of access or use.
How can I contact Igbigi? If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at [email protected].
Last updated: 6th, October 2024
This privacy policy (this "Privacy Policy") explains how personal information is collected, used, stored, and disclosed by IgbigiTechnology Limited. ("Igbigi" "we," "us," and "our"). We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy applies to consumer users (individually referred to as "you") of our websites, applications, and other online services to which this Privacy Policy is posted (collectively, our "Services").
This Privacy Policy is part of our Terms of Use. By accessing or using our Services, you agree to this Privacy Policy and our Terms of Use. The provisions contained in this Privacy Policy supersede all previous notices and statements regarding our privacy practices with respect to our Services. If you do not agree to every provision of this Privacy Policy and our Terms of Use, you may not access or use our Services.
Application of this Privacy Policy This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumer electronic device (each, a "Device").
Information We Collect
Information You Provide Us In general, you can visit https://www.igbigi.com without telling us who you are or revealing any information about yourself. When you submit an inquiry via our Services or register for an Igbigi account, we may collect personal information from you, which may include your name, email address, mobile phone number, banking information, and any other information that identifies you (collectively, "Personal Information"). By providing your Personal Information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.
We may also ask you to create login information for your Igbigi account, such as a username and password. When you provide your mobile phone number or email address we may ask for your consent to receive text messages or emails relating to our Services at that number or email address.
Information About Your Transactions We collect Personal Information about your transactions with us and others. Information From Third Parties We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency.
Information Automatically Collected We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal Information as well as statistical information that does not identify you ("Analytics"). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.
Information that we automatically collect in connection with your access or use of our Services may include: Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Igbigi account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
- The Device's Internet Protocol ("IP") address
- Identification numbers associated with your Devices
- Device event information, such as crashes, system activity, and hardware settings
- Location preferences
- Date and time stamps of transactions
- System configuration information
- Other interactions with our Services
Information Collected Through Cookies and Similar Technologies We may use cookies to personalize our Services and collect aggregate usage information. Cookies are text files or identifiers stored by your browser that help us enhance your experience, analyze your usage pattern and recognize your devices.
Types of Cookies We Use:
- 1. Session Cookies: Temporary cookies that expire when you close your browser. They help you access content and perform logged-in actions.
- 2. Persistent Cookies: Remain in your browser until they expire or are deleted. They help us understand usage patterns and remember your preferences.
- 3. Third-Party Cookies: Placed by third parties to provide insights into usage and demographics, and to advertise our Services. For example, we use Google Analytics for tracking website activity
We do not control third-party cookies and are not responsible for their actions or policies. This clause serves to protect and give consent for potential cookie usage. By accessing or using our Services, you consent to the placement of cookies on your Devices as described in this Privacy Policy. If you prefer not to receive cookies through our Services, you may control how your browser responds to cookies by adjusting the privacy and security settings of your web browser. Unless you set your browser settings to refuse all cookies, our system may issue cookies when you access or use our Services. If you set your browser settings to refuse all cookies, the performance of certain features of our Services may be limited or not work at all.
Do Not Track Signals
Do Not Track ("DNT") is an optional setting available in some web browsers that allows users to communicate their preferences regarding tracking by advertisers and other third parties. Please note that we do not utilize technology that recognizes DNT signals from your browser.
How We Use Information We may use Analytics as described elsewhere in this Privacy Policy and for research and commercial purposes, such as to improve our Services.
We may use Personal Information for the purposes described elsewhere in this Privacy Policy and internally for our general commercial purposes, including, among other things, to offer our products and services and products and services of third parties that we think you might find of interest, but only Igbigi and our third-party service providers involved in distributing the offers or providing the products or services will have access to your Personal Information. Our third-party service providers will only be permitted to use Personal Information for that intended purpose.
We may use your email address to respond to your inquiries and to provide you information about our Services. You may elect not to receive promotional emails from us either by "unsubscribing" to an email you receive from us or by contacting us as indicated below. If you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your Igbigi account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.
How We Share Information We do not share your Personal Information with: (1) other financial companies for joint marketing purposes; (2) affiliated companies for their everyday business purposes; or (3) any third parties so they can market to you.
We may share your Personal Information with unaffiliated third parties: (1) if you request or authorize it; (2) if the information is provided to help complete a transaction for you; (3) if the information is provided to: (a) comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.); (4) if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets); (5) if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, etc.); (6) for our everyday business purposes; or (7) as permitted by applicable law or otherwise described in this Privacy Policy. When you are no longer our customer, we continue to share your information as described in this Privacy Policy. We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes.
Opt-Out Rights If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that you are NOT able to opt out of receiving communications about your Igbigi account or related transactions with us.
Accessing Your Information
You must notify us of any change in your Personal Information by updating your Igbigi account profile through our Services. Any changes will affect only future uses of your Personal Information.
Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will respect your wishes to correct inaccurate information. Otherwise, we will hold your Personal Information for as long as we believe it will help us achieve our objectives as detailed in this Privacy Policy.
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.
Information You Share Socially Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends. Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.
Security We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration.
We utilize JSON Web Tokens (JWT) to securely transfer data between users and our servers. Additionally, we employ robust cryptographic algorithms to encrypt and sign user data, ensuring it remains confidential and protected from data manipulation.
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your Igbigi account and do not share them with others. If we receive instructions using your Igbigi account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Igbigi account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Igbigi accounts, and to remove or edit content.
Protecting Children's Privacy Our Services are not directed, or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.
Links to Third-Party Websites When you use our Services, you may be directed to other websites that are beyond our control. We may also allow third-party websites or applications to link to our Services. We are not responsible for the privacy practices of any third parties or the content of linked websites, but we do encourage you to read the applicable privacy policies and terms and conditions of such parties and websites. This Privacy Policy only applies to our Services.
Changes to our Privacy Policy Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will post the revised version via our Services and will update the date at the top of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services is subject to the version of this Privacy Policy in effect at the time of access or use.
How can I contact Igbigi? If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at [email protected].