INTRODUCTION

HovaPay is a platform which gives you the easiest and most convenient access to pay for everyday service like phone airtime, data subscription, electricity bills, TV subscriptions education service, quality insurance cover through third party merchants’ services. HovaPay is a service operated and owned by Itrade Connect Limited, and whose registered address is at 10, Jessy and Jenny Street, Off Peter Odili Road, Trans-Amadi Industrial Layout, Port Harcourt, Nigeria.

This Privacy Policy shall govern the use of this website and our mobile applications.

OUR PRIVACY POLICY

Our Privacy Policy describes your privacy rights regarding how and when we collect, use, store, share and protect your information across our website, payment platforms (“Platforms”), Software Applications, (“Apps”), email notifications and tools regardless of how you use or access them.

COLLECTING AND USING YOUR PERSONAL DATA

While using Our Service, we may ask you to provide us with certain Personally Identifiable Information that can be used to track or identify you. The information may include but not limited to:

• Email address
• First name and last name
• Phone numbers
• Address
• Financial Account Information

We automatically store Customers’ data when you visit our website or mobile application, and register to use any of our services. This is collected electronically with exchanges between your system (Computer, Server, Mobile Device) or service provider’s system and our system. The Information may include but not limited to:

• Internet Protocol (IP) address
• Web browser type
• Operating system version
• Device identifiers

We may receive information from third parties such as payment service providers; merchants/brands; and advertising service providers and identity verification services.

HOW WE USE YOUR PERSONAL INFORMATION

We collect and maintain your personal information in order to give you the best possible service including but not limited to:

• Providing Products and Services to you.
• Maintaining, supporting, evaluating, improving and/or developing our Products and Services and developing new Products and Services.
• Managing your relationship with us.
• Provide targeted marketing and advertising.
• Contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging.
• Enforcing our rights under the Agreement, and as permitted with the Authorized User’s consent solely with respect to their own Personal Information.

MARKETING

HovaPay does not sell, trade or rent personal data to anyone. Further, your data shall only be used for the purpose for which it was obtained, we will not share or disclose your personal data with a third party without your consent except as necessary to provide the Services or as described in this Privacy Policy.

SHARING YOUR PERSONAL INFORMATION

Third party Service Providers: We may share your Personal Data service providers engaged by us to support our business operations, such as fraud prevention, bill collection, marketing, Customer Service, Notification Service Provider and Technology Services. To provide services to us subject to appropriate data security and protection. In addition, we may transfer your Personal Data out of Nigeria in line with the requirements of the Nigeria Data Protection Regulation (NDPR), 2019.

Transactions Involving third parties: We may also share your Personal Data with third parties directly authorized by you to receive Personal Information, such as when you authorize a third-party service provider to access your wallet. The use of your personal information by an authorized third party shall be subject to the privacy policy of the third-party and HovaPay shall not bear any liability for any breach which might arise due to your authorization.

Legal and law enforcement: We may also share your Personal Information if it is believed that such sharing is required to satisfy any applicable laws, regulation or government request such as Legal Compliance to help them comply with anti-money laundering and counter-terrorist financing verification requirements.

THE PRIVACY POLICY OF OTHER WEBSITES

Our privacy policy does not apply to Merchants, Vendors, or other related partners. This is because they have their own respective privacy policies. Our website may contain third-party links or links to other websites. HovaPay is not responsible for the privacy practices or contents of these sites and shall not be responsible for your use of such websites. We encourage our users to be aware of when they leave our website and to read the privacy statements of these sites. You should evaluate the security of any other site connected to this site or accessed through this site before disclosing any personal information to them. HovaPay will not accept any responsibility for any loss or damage in whatever manner resulting from your disclosure of your personal information to third parties.

DATA SECURITY

HovaPay recognizes the importance of protecting personal information. To this end, we shall make all reasonable efforts to ensure that adequate safeguards is put in place to prevent unauthorized access and to ensure confidentiality of your personal information.

COOKIES

Cookies are small files that are sent from websites to users' computers.

Cookies allows us to store your information to optimize our site, make visiting the site again easier for you and help provide you with an enhanced browsing experience. For example we use cookies for the following purposes:

• To maintain and enhance your experience during the use of our website.
• To authenticate user, prevent fraud and protect you as you interact with our services.
• To prevent spam, fraud and abuse.
• To enhance your experience by providing personalized content and features.

Our cookies saves you a lot of time and hassle such that once you visit the site we can recognise who you are and provide certain content to you.

Managing cookies on your browser

Most browsers allow you to manage how cookies are set and used as you are browsing, and to clear cookies and browsing data, (except for those that are essential for the website to function). You can go to your browser settings to learn how to delete or reject cookies. If you choose to delete or reject cookies, this may impact your experience using our website.

YOUR LEGAL RIGHT

Our customers have data protection rights. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to access, correct or erase your personal data, object to or restrict processing of your personal data, right to ask that we transfer your personal data to a third party, and unsubscribe from our emails and newsletters.

Where you wish to permanently delete your data from our website and other applications, you can choose the option of closing your account. Once your account is closed, all products and services that you access through your account will no longer be available.

We can refuse to accede to your request where it is unreasonable or where you have failed to provide additional information necessary to confirm your identity.

CHANGES TO OUR PRIVACY POLICY

We may change, amend or review this Privacy Policy from time to time to reflect new services or changes in our Privacy Policy.