NairaDirect is committed to protecting the privacy of its visitors. This Privacy Policy provides our visitors with an overview of the measures we have taken to show our commitment to this policy. It describes how NairaDirect collects, uses, stores, shares, and protects your information whenever you use nairadirect.com (the “NairaDirect site”).

User Information

When you use NairaDirect Services, we collect information sent to us through your computer, mobile phone, or other access device. This includes personal data that you volunteer on forms which you submit to us and in emails that you send to us. In addition we automatically gather details of browser types and IP addresses of the users who visit our site. We do not release this information to any outside party, except in suspected fraud cases.

If you create an account or use NairaDirect Services, we may collect the following types of information:

• Contact information - your name, phone number, email address, date of birth and other similar information; and
• Financial information - your full bank account and/or Bank verification number (BVN) that you input when you use NairaDirect Services. If you do not use NairaDirect Services, you may opt out of providing this information.

When you use NairaDirect Services, we collect information about your transactions and/or your other activities on our website and we may continuously collect information about your computer, mobile device, or other access device for fraud prevention purposes, to monitor for possible breach of your NairaDirect Account, and to identify any malicious software or other activity that may harm NairaDirect or its users.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorisation. By associating an account managed by a third party with your NairaDirect account and authorising NairaDirect to have access to this information, you agree that NairaDirect may collect, store, and use this information in accordance with this Privacy Policy.

Finally, we may collect additional information you may disclose to our customer support team.

Cookie Policy

What Are Cookies As it is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This section describes what information they gather, how we use it and why we sometimes need to store these cookies.

How We Use Cookies We intend to use cookies for a variety of reasons detailed below:

• Recognise you as a NairaDirect user. If you create an account with us then we may use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out, however in some cases, they may remain afterwards to remember your site preferences when logged out. We may use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent cookies remain on your browser until you erase them or they expire.
• We may use cookies when you are logged in so that we can remember this fact. This prevents you from having to log in every single time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in.
• When you submit data to through a form, cookies may be set to remember your user details for future correspondence. In order to provide you with a great experience on this site, we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we may need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.
• We may also use Local Shared Objects, commonly referred to as "Flash cookies," to help ensure that your account security is not compromised, to spot irregularities in behaviour to help prevent fraud, and to support our sites and services.
• We may use cookies to collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.

We shall encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of NairaDirect Services. Disabling cookies will usually result in also disabling certain functionality and features of the this site. The help section of most browsers or browser add-ons provides instructions on blocking, deleting, or disabling cookies.

Third Party Cookies In some special cases we also use cookies provided by trusted third parties. This section details which third party cookies you might encounter through this site. We use Google Analytics, which is one of the most widespread and trusted analytics solution on the web, to help us understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page.

As we may eventually sell products it's important for us to understand statistics about how many of the visitors to our site actually make a purchase and as such this is the kind of data that certain cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to monitor our advertising and product costs to ensure the best possible price. We intend to use several partners to advertise on our behalf and affiliate tracking cookies will simply allow us to see if our customers have come to the site through one of our partner sites so that we can credit them appropriately and where applicable allow our affiliate partners to provide any bonus that they may provide you for making a purchase.

More Information If there is something you aren't sure you need or not, it's usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However, if you still need more information, please contact us.

Personal Information

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. This Privacy Policy does not apply to personal information that has been anonymised so that it does not and cannot be used to identify a specific user. NairaDirect takes reasonable precautions, as described herein, to protect your personal information from loss, misuse, unauthorised access, disclosure, alteration, and destruction.

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customised experience. We may use your personal information to:

• Provide NairaDirect Services and customer support you request;
• Process transactions and send notices about your transactions;
• Resolve disputes, collect fees, and troubleshoot problems;
• Prevent and investigate potentially prohibited or illegal activities, and/or violations of our posted user terms;
• Customise, measure, and improve NairaDirect Services and the content and layout of our website and applications;
• Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences; and
• Verify your identity by comparing your personal information against third-party databases.

We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time, we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or from allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorisation. If you choose to so limit the use of your personal information, certain features or NairaDirect Services may not be available to you.

We collect personal data that you volunteer on forms which you submit to us and in emails that you send to us. In addition we automatically gather details of browser types and IP addresses of the users who visit our site. We do not release this information to any outside party, except in suspected fraud cases.

We store and process your personal and transactional information, including certain payment information, where NairaDirect facilities or our service providers are located, and we protect it by maintaining physical, electronic, and procedural safeguards in compliance with applicable laws. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorise access to personal information only for those employees who require it to fulfil their job responsibilities.

We store our customers' personal information securely throughout the life of the customer's NairaDirect Account. NairaDirect will retain your personal information for a minimum of five years or as necessary to comply with our legal obligations or to resolve disputes.

Other policies

Correct/Update You may request that we amend any personal data that we are holding about you which is factually inaccurate. You can contact customer support stating your wishes.

Links This website may contain links to other sites. NairaDirect is not responsible for the privacy practices of such other sites. This privacy statement applies solely to information collected by this web site.

Online Payment methods NairaDirect is not associated with any of the trademarks which might appear visible in the Online Payment method lists or payment gateways. Also, services provided by NairaDirect are not authorised, approved, endorsed or sponsored by any of the payment methods we use or their respective trademark owners. Payment method listings are visible on the NairaDirect website for informative purposes only. Trademarks which might appear visible on the NairaDirect website, belong to the respective trademark owners alone.

Data retention policy We retain your personal information as long as it is necessary and relevant for our operations. In addition, we may retain personal information from closed accounts to comply with national laws, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigation, enforce our Terms of Service and take other actions permitted or required by applicable national laws.

Contacting The Web Site If you have any questions about this Privacy statement, the practices, or your dealing with this web site, please contact us and your inquiry will be dealt with as soon as possible.