Privacy Policy Overview

SME Services Mall Limited (“SME Mall”) is a private company duly incorporated in Nigeria. As the data collector, SME Mall (“we” “us” or “our”) are committed to protecting and respecting your privacy. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. The collection and processing of your personal data is in accordance with the National Information Technology Development Agency Act 2007 (“the Act”) and the provisions and prescriptions of Section 5 (Part 1 and 2 of National Information Systems and Network Security Standards and Guidelines).

Scope of policy

This policy together with our Terms of Use as set out at (website) and any additional terms of use applies to your use of:

  1. SME Mall mobile application software (App) available on our site OR hosted on the Google Play Store (App Site), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device); and
  2. Any of the services accessible through the App (Services) or those available on the App Site or other sites of ours or other third-party Sites (Service Sites).

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By downloading the App, you confirm that you have read, understood and accept the terms of this Policy set out below. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.

Information we may collect from you

We may collect and process the following data about you:

  1. Information you give us:
  2. This may include information:
    – provided by filling in forms in the App or on the App Site (together Our Sites);
    – provided by corresponding with us (for example, by e-mail or chat);
    – provided by registering to use the App Site, downloading or registering the App, subscribing to any of our Services, searching for an app or Service, sharing data via the App’s social media functions, entering a competition, promotion or survey, and reporting a problem with the App, our Services, our App Site or any of Our Service Sites.
  3. This information may include your name, address, e-mail address and phone number, the Device’s phone number, SIM card details, age, username, password and other registration information, financial and credit information (including your mobile money account details, bank account details, and bank verification number, where applicable), personal description and photograph.
  4. Information we collect about you and your device.
  5. Each time you visit one of our Sites or use one of our Apps we may automatically collect the following information:
    – technical information, including the type of mobile device you use, unique device identifiers (for example, your Device’s IMEI or serial number), information about the SIM card used by the Device, mobile network information, your Device’s operating system, the type of browser you use, or your Device’s location and time zone setting (Device Information);
    – information stored on your Device, including contact lists, call logs, SMS logs, Facebook friends, contact lists from other social media accounts, photos, videos or other digital content (Content Information);
    – data from your use of any other third-party application on the Device or the Service Sites; and
    – details of your use of any of our Apps or your visits to any of Our Service Sites; including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).
  6. Location information.
  7. We may also use GPS technology or other location services to determine your current location. You can withdraw your consent to our collection, processing or use of this information at any time by logging out and uninstalling the App from your Device.
  8. Information we receive from other sources.
  9. Due to the nature of the Services, which we provide, we are required to work with a number of third parties (including credit reference agencies and mobile network providers) and we may receive information about you from them. We may receive information about you if you use any of the other websites we operate, the other services we provide and or the social media sites which you login to via our site. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, social media sites, advertising networks, analytics providers, search information providers, credit bureaus, and financial services) and may receive information about you from them.
  10. Unique application numbers.
  11. When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.

Tracking and cookies

We may use mobile tracking technologies and or website cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our Service Sites. By visiting our website, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this Privacy Policy.

Uses made of the information

We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined.
Information collected by us shall be used for the purpose of determining whether or not to provide a particular type of service to the client, the amount to charged and the terms and conditions applicable to such service delivery.
Save in compliance with an order of the Court, Arbitral Panel, Tribunal, Regulatory Directive or Order or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous aggregate information about our users (for example, we may inform them that 100 women aged between 25 and 35 have applied for specific type of service on any particular day)
We will use this information:

  1. to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
  2. to provide you with information about other services we offer that are similar to those that you have already subscribed or enquired about;
  3. subject to the marketing preferences you have selected on our website, to provide you, or permit selected third parties to provide you, with information about services we feel may interest you. If you are an existing client, we will only contact you by electronic means (e-mail or SMS) with information about services similar to those which were the subject of a product or service which you were previously interested in. If you are a new client, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this;
  4. to notify you about changes to our services; and,
  5. to ensure that content from our site is presented in the most effective manner for you and for your device.

Disclosure of your information

We may disclose some or all of the data we collect from you when you download or use the App to credit reference bureaus.
We may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries.

We may disclose your personal information to third parties:

 

  • in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
  • if SME Mall or substantially all of its assets are acquired by a third party, in which case personal data held by it about its clients will be one of the transferred assets;
  • if we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request; and or
  • in order to: enforce our Terms and Conditions and other agreements or to investigate potential breaches; or for the purpose of publishing statistics relating to the use of the App, in which case all information will be aggregated and made anonymous.

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries. We may share your information with selected third parties including:

  • Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you.
  • Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in Ikoyi). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.
  • Analytics and search engine providers that assist us in the improvement and optimization of our site. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Where We store your personal data

\The data that we collect from you is stored on our secure servers. We will take all steps reasonably necessary to ensure that your data is treated, stored and processed securely and in accordance with this Policy.
Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to Our Service Sites; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Your rights

We will use your data for the purposes of compiling statistics relating to our user base or portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.
Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 7 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at info@thesmemall.com

Access

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee in providing you with details of the information we hold about you.

Changes to privacy policy

Any changes we may make to this Policy in the future will be posted on this page and, where appropriate, notified to you when you next start the App or log onto one of the Service Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services. In any event, by continuing to use the App or any Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.

Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to info@thesmemall.com.