1. Definitions
- "Parties": Both You and the operator of the Website.
- "Operator": The owner, publisher, and administrator of the Website.
- "Personal Data": Any information capable of identifying You, collected in relation to Your use of the Service.
- "Service": The Website and all its content (pages, blogs, forums, etc.).
- "Subsidiaries": The services or products offered on the Website.
- "You, Yours": The user of this Website.
2. Introduction
This Privacy Policy explains the Personal Data we collect, how we use it, and Your rights. By using our Website, You acknowledge and agree to the terms of this policy.
3. Personal Data We Collect
A. For Registered Users
- Name, Gender, Date of Birth, Marital Status
- Phone Number, NIN, Email Address
- Next of Kin Details, Bank Details
- Interaction details, marketing preferences, purchase history
B. For Unregistered Users
We collect passive data like cookies, IP address, location, and browser info.
C. Sales and Billing Information
We may collect card details, billing address, and related data.
D. User Experience
We may request additional information to improve our services.
4. Data Collection Methods
- Technical Cookies: Essential for basic Website functions
- Profiling Cookies: Used for personalized content and ads
- Log Data: Includes ISP, pages visited, browser, OS, IP address, etc.
5. Third Parties
We may share Your Personal Data to protect rights, comply with the law, or improve services.
6. Purpose of Processing
- To provide and improve our Service
- To personalize content and provide updates
- To develop new Subsidiaries and conduct analytics
7. Data Storage
Your data is stored using M-Files (cloud solution). We retain it as long as needed unless you request deletion or terminate your account.
8. Data Protection
Our system uses strong security features to detect and prevent threats. In case of any risk, we may notify You with steps to stay protected.
9. Disclosure of Data
- With Your consent
- To comply with laws or court orders
- To prevent fraud or enforce Terms of Use
- As necessary for Website operations
10. Third-Party Links
Our Website may contain links to other sites. This Privacy Policy does not apply to those. We encourage You to review their privacy policies separately.
11. Managing Your Data
You may access, modify, or request deletion of Your data by contacting info@cowryasset.com.
12. Your Rights
- Access and rectify Your Personal Data
- Request erasure or processing restriction
- Object to unlawful processing
- Receive data portability
- Lodge a complaint with a Nigerian authority
13. Contact Us
For questions or complaints, please email complaints@cowryasset.com.
14. Revisions
We may update this Privacy Policy. You’ll be notified if fundamental changes occur and Your consent will be required for material revisions.