Privacy Statement for Afrotradegroup Website and MoreNaira App
Data Controllers
Effective Date: April 2023
This app collects and uses your Social Account information to allow seamless login using your social media accounts. We understand the importance of privacy and are committed to protecting your personal information. Here's how we handle your Social Account information:
Collection: We securely collect and store the Social Account information you provide during the app registration or login process.
Use: We use your Social Account information solely for the purpose of facilitating easy login. We do not share or sell this information to third parties.
Security: We employ industry-standard security measures to protect your Social Account information from unauthorized access, use, or disclosure. By using this app, you consent to collecting and using your Social Account information as described in this disclosure. If you disagree with these terms, please refrain from using the app.
This remaining information on the privacy Statement describes how MoreNaira (A app owned by Afrotrade Limited) collects and uses the personal information we obtain when you visit or use our website in the European Economic Area.
This page is used to inform visitors regarding MoreNaira App policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
The Afrotrade Limited Company, our subsidiaries, and affiliates (Afrotrade Limited or Afrotrade Intl Link Limited or we or us) care about your privacy and are committed to processing your personal information in accordance with fair information practices and applicable data protection laws to serve you better.
SCOPE OF THIS GLOBAL PRIVACY STATEMENT
At Afrotrade Limited, we are committed to helping our customers remit their money on time and for the purposes intended. This commitment to our customers includes doing the right thing with their personal information.
The purpose of our Global Privacy Statement is to explain how we collect, use, store, protect, disclose, and share your personal information when you use any of our services online through our website, and through our mobile apps 'MoreNaira', as well as to inform you of your choices about the way your information is collected and used.
PERSONAL INFORMATION AFROTRADE LIMITED COLLECTS
When you use our money transfer services; contact us; access our websites or applications, we collect different types of personal information about you and may use it along with other information collected or generated during our relationship with you, which may include:
• Basic personal information such as your name, contact information (for example, your postal address, email address, telephone number), Identification (Passport or Driving License containing: place of birth, date of birth, gender, citizenship) and accompanying documentation;
• Financial and transactional information such as your money transfers, payments, and the source/destination of funds for each, information about how you use of our Services, bank and credit information;
• Name and contact information relating to recipients to whom you send or from whom you request or receive money or with whom you otherwise choose to transact when using the Services; Furthermore, we collect/transmit/sync/store location data even when the app is closed or not in use for security purposes;
• Technical information such as the host from which you access the internet, your IP address, geolocation if enabled, the date and time you access our websites, and the address of the site from which you linked to our website when you visit us. We collect personal information on your online activities as described in the section titled 'INTERNET TECHNOLOGIES.';
• Sensitive or special categories of information such as biometric information used to uniquely identify you (Passport). We will only hold this data when we need to for the purposes of the Services we provide to you, where we are processing the data for a substantial public interest, where we have a legal obligation, or where we have your consent to do so;
• If you link, connect, or login to Afrotrade Limited websites or mobile applications using a third party service (e.g. Google and Facebook), you direct the service to send us information such as your name, email address, profile picture and other information as controlled by that service or as authorized by you via your privacy settings with that service.
REQUESTING YOUR ACCOUNT TO BE DELETED
To request for your account to be deleted, you will have to send email to the accounts team at accounts@afrotradegroup.com with your login details and data you want deleted.
All transaction data are auto deleted after 6 years due to regulatory requirement. The request for transaction records to be deleted can only be allowed after 6yrs that the transaction was completed.
HOW AFROTRADE LIMITED COLLECTS PERSONAL INFORMATION
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained on our system. We will never publicly disclose any of your personal and sensitive data related to your financial/payment activities or government identification numbers. The app does use third party services that may collect information used to identify you.
MoreNaira collects your personal information in several ways:
• Information you give to us in person, online or through our mobile app, including through transaction forms, registrations on our apps or website, interactions with Afrotrade Limited agents and business partners;
• Information you provide to us while we provide customer support or consultation, including using email or live chat;
• Information that others may provide about you through the use of our Services;
• Information we learn about you through the use of our Services;
• Through automated means such as communications protocols, email communications, and cookies or similar INTERNET TECHNOLOGIES;
• Through our vendors, fraud risk management companies, law enforcement bodies, commercial and public data sources and other lawful third party data sources we use to augment our customer information;
• Through your interest in Afrotrade Limited advertisements placed on third party sites.
HOW AFROTRADE LIMITED SECURES YOUR PERSONAL INFORMATION
MoreNaira value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and MoreNaira cannot guarantee its absolute security.
In order to ensure data security, we will in consideration of appropriate technical possibilities, ensure that only authorized persons receive access to the data for legally permissible purposes, protect stored or transmitted data against accidental or unlawful destruction, loss or unintended changes and unauthorized or unlawful storage or processing, unauthorized access or unauthorized or unlawful transmission, and comply with all applicable data protection provisions.
We also recommend that you take additional steps towards protecting yourself and your information, such as keeping your login information and passwords secret, and making sure you regularly update the software and apps you've downloaded.
We are committed to the security of your personal information. We shall not sell your personal and sensitive user data to third parties for monetary compensation. We use administrative safeguards that comply with applicable government laws and regulations to secure your personal information. We also endeavor to restrict access to the personal information that we process to only our employees, agents, and representatives that have a business need to know it. Despite our efforts, third parties may unlawfully intercept or access your personal information.
INTERNET TECHNOLOGIES
We use internet technologies like cookies, tags, and web beacons on our websites, in mobile applications, or when you visit a third-party website where we provide online Services for a variety of purposes, including, but not limited to, those identified in the section titled 'HOW AFROTRADE LIMITED USES THE PERSONAL INFORMATION IT COLLECTS'.
For more information on how we use cookies please check the 'Cookie & Internet Technology' section in the footer of the Privacy Policy applicable on Afrotrade Limited webpage.
We may use third parties to deliver personalized ads to you while you browse the Internet. You can generally opt out of receiving personalized ads from these third party advertisers and ad networks who are members of the Network Advertising Initiative (NAI) or who follow the Digital Advertising Alliance's (DAA's) Self-Regulatory Principles for Online Behavioral Advertising by visiting the opt out pages on the NAI and DAA websites.
Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not respond to DNT signals.
HOW AFROTRADE LIMITED USES THE PERSONAL INFORMATION IT COLLECTS
The personal information we collect is used for the following commercial purposes.
• To assist us in providing Services and customer support to you by carrying out transactions and accessing account information.
• To answer questions or respond to requests, you send them to our support teams.
• To recognize you and allow you to remain signed in while using the Services without having to re-enter your password.
• To deliver information specific to your interests on other Afrotrade services.
• Prevention of Fraud, Financial Crime (including money laundering), and Other Unlawful Activity.
• To promote safety, reduce financial risk, and combat fraud across our Services and, as necessary, to ensure the effectiveness of our compliance processes aimed at such prevention of criminal activity.
LAW UPON WHICH ALLOWS US TO USE YOUR PERSONAL INFORMATION
We may use your personal information as explained elsewhere in this Statement for each of the following lawful bases:
• We use your personal information to provide our Services to you.
• We may use your personal information to provide customer services and to help protect the security and integrity of our technology, systems, and services. It may also include the prevention of fraud, money laundering, and other unlawful activity, or the establishment or defense of a legal claim.
• We use your personal information for legal and compliance purposes: This includes using personal information needed to comply with legal and regulatory duties related to anti-money laundering, counter-terrorist financing and other financial regulations; detection, prevention and prosecution of fraud and theft; as well as preventing illegitimate or prohibited use of our Services or other illegal or wrongful activity and operating a global compliance program for doing so. This may also include establishing, exercising, or defending legal rights and claims of Afrotrade Limited and others and monitoring and reporting compliance issues.
• We may use your personal information to validate and authenticate your identity and utilize third parties to help us do so.
• We will inform you when your information is required to provide the Services you request or is required by law. In certain cases, such as performing money transfer and banking services, we may be unable to provide you with our Services unless you provide certain personal information.
INFORMATION FROM CHILDREN
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.
MoreNaira does not knowingly collect any Personal Identifiable Information from children or anyone under 18. Suppose you think that your child provided this kind of information on our app. In that case, we strongly encourage you to contact us immediately, and we will do our best to remove such information from our records promptly.
HOW AFROTRADE LIMITED MARKETS TO ITS CUSTOMERS
This include offers by email, telephone, postal mail, SMS, social media, and other communication or digital channels. You can opt out of receiving marketing communications at any time. If you no longer want to receive marketing-related communications from us, you may opt out by contacting us as described in the 'CONTACTING US' section.
Please note that if you opt out of receiving marketing-related communications from us, we may still send you important service, administrative, or transaction-related communications.
EXTERNAL WEBSITES
Our websites may be linked to or from third party websites. We have not reviewed, do not control, and are not responsible for the content or privacy practices employed by websites that are linked to or from our websites. We do not assume responsibility for any of these sites, their content, or their privacy policies. We do not endorse third party websites or make any warranties about any information, software, or other products or materials you may find there, or any results that may be obtained from using them.
WHO AFROTRADE LIMITED SHARES YOUR PERSONAL INFORMATION WITH
We may disclose applicable personal information including, but not limited to, your name, contact information, national identification number and/or related documentation, customer ID number, address, transaction details and patterns, and bank account information to the following types of organizations or parties:
• Afrotrade Limited group companies and affiliates;
• Our agents or business partners who facilitate the money transfer or payment transaction or other specific Services you have requested;
• Payment's processors, banking partners, and data processors contracted to provide business and customer services;
• Vendors and data processors contracted to help us validate the accuracy of the information provided by you, and to authenticate your identity and manage risks related to security, fraud, and identity;
• PISP and AISP: Third parties that you have authorized to access your account and/or your account information in order to perform Services for you;
• We may also disclose your personal information globally, as required or permitted by applicable laws and regulations, to regulatory and financial authorities, credit reporting agencies, law enforcement bodies, courts, governments, or government agencies to meet compliance and legal obligations or to assert or defend the rights and interests of Afrotrade Limited or others.
INTERNATIONAL TRANSFERS OF PERSONAL INFORMATION
We transfer your personal information to parties in countries outside the country it was collected, including but not limited to the UK, as permitted or required by applicable law, regulatory authorities, law enforcement, and government agencies. Additionally, when you send or receive money to or from another country, we will also be required to share some of your personal information with that country as required or permitted by law.
TRANSFERS FROM THE EEA, THE UK, AND NIGERIA
Personal information transferred outside the EEA, the UK, and Nigeria to countries that the European Commission has not found to provide adequate protection will be protected by appropriate Standard Contractual Clauses or other EU-approved mechanisms, as required by law.
RETENTION OF PERSONAL INFORMATION
Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions and accounts, including those in anti-money laundering, anti-terrorist financing and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes for which it was collected or to resolve any query you may raise. We subscribe to data minimization principles and strive to retain information for no longer than necessary for the purpose(s) for which it was obtained.
GDPR DATA PROTECTION RIGHTS - ACCESSING, DELETING AND CORRECTING YOUR PERSONAL INFORMATION AND CHANGING YOUR CHOICES
You have the right to know if we are processing your personal information and to ask us for a copy of your information free of charge. You have the right to request a structured and machine-readable copy of certain information you have provided to us. We may charge you a reasonable fee for providing the information or not act upon your request if the request is manifestly unfounded or excessive. If you use our Services online or via mobile app, you may log into your account at any time to access your transactional information and certain personal information.
You have the right to stop us from sending you marketing communications. You have the right to ask us to correct information about you that is incomplete, inaccurate or out-of-date. You have the right to ask us to delete ALL or certain information about you (by a request via email, after the records is held for 6 years for services regulated), to restrict certain uses of information relating to you, and to object to certain uses of it. To the extent we are processing personal information based on your consent, you may withdraw your consent as permitted by applicable law. Suppose you are a registered user of afrotradegroup.com as a money transfer consumer. In that case, you may also visit afrotradegroup.com and request for editing of your profile to change your marketing communications and third-party data sharing preferences.
You also have the right to complain with a relevant data protection regulator or supervisory authority about our processing of personal information. When we receive a request, we may ask for additional information from you to verify your identity and as a security measure to protect your personal information. In some situations, we may refuse to act or may impose limitations on your rights, as permitted by applicable law. To exercise these rights, please contact Afrotrade Limited through the section titled 'CONTACTING US'. We will endeavor to respond to your request within 30 days, but response time may vary depending on the laws and regulations applicable to your request, and we may be entitled to extend this period in certain circumstances. We will comply with your request to the extent required by applicable law.
CHANGE OF PRIVACY POLICY
MoreNaira are allowed to change this Privacy Policy at any time, and we advise you to review the Privacy Policy from time to time. In case of major changes in the content of this Privacy Policy, you will be informed about the changes and asked to agree hereto.
Opt-out from data collection and inquiries
As a user, you may opt-out of all information collection by discontinuing your use of the Application
Questions, comments and inquiries regarding this Privacy Policy and the personal data we have stored and processed about you are welcomed and should be addressed to support@afrotradegroup.com
MoreNaira reserves the right to modify this Privacy Statement. Updated Privacy Statements will be posted on this app when amendments occur. We urge you to review this Privacy Statement when you visit to obtain the most current statement. You may change your choices at any time.
GOVERNING LAW
This Privacy Policy shall be governed by and construed in accordance with United Kingdom law. In the event that any of the provisions of this Privacy Policy should become ineffective, invalid or unenforceable, this shall not affect the effectiveness, validity, and enforceability of the remaining provisions. In the event of the ineffectiveness, invalidity or unenforceability of any of these provisions, you agree that we may substitute such by an effective, valid and enforceable provision which is, in its legal result, as close as possible to the ineffective, invalid or unenforceable provision.
CONTACT US
If you have any questions or queries, please contact us at Phone: +44 (0) 7938 996 287, or, please contact us at contact us.
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If you have a question or complaint about how we handle your personal information, we ask that you put your inquiry in writing. We will investigate your inquiry and generally respond to you in writing within 30 days of receipt. Contact us, including our Data Protection Officer, at support@afrotradegroup.com.
If you have any questions about privacy at Afrotradegroup please get in touch with the Afrotrade Privacy and Data Protection Team at Afrotrade Limited. CEME CAMPUS, Marsh Way, Rainham Essex. UNITED KINGDOM RM13 8EU.
