Introduction

Ratefy Technology Limited ("we," "us," "our" or "RATEFY") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website. This Privacy Policy applies to all the users of our website. By using this application, you agree to be bound by this Policy.

Please read this Privacy Policy carefully to understand our practices regarding your information.

Personal Information We Collect About You

We collect, use and process personal data such as:

Identity Data: Your full name, government-issued identity card details, date of birth, a photograph or image in an open selfie form and other identifiable information. This enables us to verify your identity and ensure compliance with KYC regulations.
Contact Data: Your country and state of residence, contact address, email address and phone number. We require this data to provide services to you and communicate with you.
Log-in Details: Your password and username. We strongly encourage you to create a strong password and change it periodically.
Feedback: Information communicated by you when you send us your feedback or suggestions.
Survey Data: Information such as your name, email and phone number when you contact our customer service.

The Legal Basis for Using Your Personal Data

The legal basis we rely on for processing your personal data are:

Consent: Any freely given, specific, informed, and unambiguous indication through a statement or a clear affirmative action that signifies your agreement to the processing of your Personal Data.
Contractual Obligation: Processing is necessary for the performance of a contract or entering a contract at your request.
Legal Obligation: We have a legal obligation to act in compliance with applicable laws to prevent fraud by verifying your identity.
Vital Interest: Processing is necessary to protect your vital interests or another natural person.
Legitimate Interest: Processing your data is necessary to pursue our legitimate interests, such as ensuring security.

How We Use Your Personal Information

Providing and Improving Our Services: We use your information to facilitate your account creation, communicate with you, verify your identity, and provide customer support.
Comply with Legal Obligations: To comply with applicable laws and regulations, including responding to legal requests or court orders.

Information Sharing

We respect your privacy and limit disclosure of your Personal Data to third parties. We do not sell, give or trade any Personal Data that we collect from you to any third party for data mining or marketing purposes.

Service Providers: We may engage third-party service providers to assist us in providing our services, such as processing payments or conducting security audits.
Legal Compliance: We may disclose your information if required by law or to protect our legal rights.

Privacy Rights

At any point while we are in possession of or processing your personal data, you have the following rights:

Access, Update and Delete: You have the right to access, update and/or delete your personal information held by us as permitted by law.
Data Portability: You can request a copy of your data in a structured, commonly used, and machine-readable format.
Right to Restrict Processing: You can request that we limit how we use your personal data in specific situations.
Right to Object: You have the right to opt-out of the processing of your personal data in certain circumstances, such as for direct marketing purposes.

Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy. We regularly review the personal data we hold and will securely delete or anonymize your information when it is no longer needed.

Data Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

Children's Privacy

We do not knowingly collect personal information from people who cannot give consent or are under the age of 18, except as permitted by law. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

Governing Law

This Privacy Policy is made according to the Nigeria Data Protection Act (NDPA), 2023 and other relevant laws, regulations, or international conventions applicable to Nigeria.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our website.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your rights as a data subject, please contact our Data Protection Officer at chat@ratefy.co.