Thank
you for choosing Ebeano Market.com Limited ("we," "us," or
"our"). This Privacy Policy is designed to help you understand how we
collect, use, disclose, and safeguard your personal information in connection
with our website and mobile applications (collectively, the "Services").
Ebeano
Market.com Limited respects the privacy of your personal information which
should be protected through the use and interaction with these Applications and
all our associated Applications, Products, and Services. We have prepared this
Policy to notify you of the type of personal information we collect from you,
how we will treat that personal information, and the circumstances under which
we will share it with third parties.
Consent
From You
We
will not collect or process your personal information without obtaining your
consent. Your consent is obtained by clicking on an “I AGREE” icon. You agree
that such acceptance will have the same force and effect as if you had manually
signed a paper version of this Policy.
By
accepting the TOU you are accepting the terms and conditions of this Policy and
providing us with consent for the processing of your personal information
received and accepting the practices described in this Policy. Your personal
information will be collected in two (2) phases during our KYC process prior to
you being able to complete a transaction on Skillerman Applications.
Your
data is collected for safety and security purposes. Should we ever wish to
process any more than the minimum personal information needed to provide you
with your Product or Service, we will ask you for your prior consent. The only
time we will ever process any personal information without your consent is when
the law clearly requires us to do.
Should
we ever wish to also process any minor’s personal information, we will obtain
your prior written consent as the parent or guardian, whichever is applicable.
Who
does this Policy Apply To?
This
Policy applies to:
a)
all vendors and/or Service Users who are
natural persons; and
b)
all vendors and/or Service Users who are organizations.
What
We Collect About You?
We
will always only collect exactly what we need directly from you, subject to
exceptional lawful circumstances, for us to provide you with the Product and or
Service, which you have requested us to provide, and for KYC purposes.
We
will also advise you if any personal information to be provided is voluntary or
not and what will occur if we cannot process any of the personal information
requested.
On
some Applications, mobile Applications, Products, and Services that you are
subscribing to and or purchasing, you may be requested to provide your personal
information which is relevant to the type of Products or Services being applied
for.
In
general, personal information is information that identifies you as an
individual or your organisation, such as: your first and last name, your
organisation’s name and its directors’ names; your ID number or the
organisation’s registration details and directors ID numbers; phone numbers and
payment information and your, or the organisation’s communication preferences.
Personal
information is information that identifies you as an individual and or the
representatives or directors of an organisation, which includes -
a)
Information relating to the race, gender, sex,
pregnancy, marital status, national, ethnic, or social origin, colour, sexual
orientation, age, physical or mental health, well-being, disability, religion,
conscience, belief, culture, language, and the birth of that person.
b)
Information relating to the education or the
medical, financial, criminal, or employment history of the person.
c)
Any identifying number symbol such as cell
phone number, account number, handset code, e-mail address, physical address,
telephone number, location information, online identifier, or other assignment
to the person.
d)
The personal opinions, views, or preferences
of the person.
Correspondence
sent by the person that is implicitly or explicitly of a private or
confidential nature or further correspondence that would reveal the contents of
the original correspondence and the views or opinions of another individual
about the person.
Whilst
you are making use of any of our Applications we automatically collect certain
personal information such as: your IP address; browser type; operating system;
mobile carrier; your ISP, URLs of sites from which you arrive or leave the
Applications and sites that have our platform technology embedded. Through
cookies and other technologies, we can recognise you as an existing or
registered user of our web application and/or mobile application and are able
to better service you as a result.
A
cookie is generally a tiny data file that resides on your computer, mobile
phone, or other devices, and allows us to recognise you as a user when you
return to our Applications using the same device and web browser.
There
are different types of cookies. Here are two examples:
A
"persistent" cookie - this cookie is set once you have logged onto a
website. The next time you visit the website, the persistent cookie will allow
the website to recognise you as an existing user or registered user, so you
will not need to log in before using the services.
A
"session" cookie - this cookie is used to identify a visit to a
website. Session cookies expire after a short time or when you close your web
browser.
You
can remove or block cookies using the settings in your browser, but in some
cases doing so may impact your ability to use the website.
The
Use of Your Personal Information
a)
To provide you with the best online services,
mobile Applications, products, and services, we will:
b)
Use your personal information to validate that
you are who you say you are by conducting necessary verifications.
c)
Process the Products and Services you have
bought from us, and keep you updated with your order progress.
d)
Provide the relevant Service or Product to
you. This includes other services not included in your agreement with us, and
services that use information about where you are when using your mobile
equipment (location information) and to contact you with messages about changes
to the service or product.
e)
Bill you for using our Products or Services.
f)
Understand how you use our Products and
Services. That way, we can develop more interesting and relevant Products and
Services, as well as personalise the Products and Services we offer you.
g)
Carry out research and statistical analysis to
monitor how you use our Products and Services on an anonymous or personal
basis.
h)
Conduct market research and perform
statistical analyses of your behaviour. By being aware of your interest in and
use of the various areas of our web application, mobile Applications, Products,
and Services for us to better serve you.
i)
Share information with our third parties
within our operations where we have an underlying contractual relationship with
the third parties to provide a service to you on our behalf.
j)
Prevent and detect fraud, information security
and privacy incidents, and other crimes, recover debts or trace those who owe
us money.
k)
Send you promotional materials or details by
SMS, e-mail, postal service, or electronic communication provided you have
given your consent to receive such marketing from us or our authorised third
parties.
l)
Let you know about other companies Products
and Services (including offers and discounts we have specially negotiated for
you) that we think may interest you if you have chosen to receive this
information.
m) Contact
you in the event of a query and respond to any questions or concerns you may
have about using our network, Products, or Services.
n)
Act in accordance with circumstances
prescribed by law.
o)
The Safeguards for Your Personal Information
p)
Maintaining the security of your personal
information is important to us. Reasonable security safeguards have been
implemented to protect your personal information.
We
use various methods to protect your information such as:
Encryption
methods when transmitting payment information, such as your credit card
information. An icon resembling a padlock is displayed on the bottom of most
Internet browser windows during encrypted transactions.
Access
to your personal information on our Applications will be password-protected.
Sensitive
data (such as credit or debit card information) is protected by SSL (secure
sockets layer)encryption when it is exchanged between your web browser and
ours.
To
protect any data, you store on our servers, we also regularly audit our systems
for possible vulnerabilities and attacks.
We
maintain an Information Security Programme internally to ensure that your
personal information is protected against unauthorised access, accidental loss,
or destruction.
Sharing
of your Personal Information
We
do share your personal information with third parties where it is necessary to
perform certain functions to provide our Services to you. We will only share
your information in the following instances:
a)
where disclosure is made with your consent;
and
b)
where we are obliged to disclose information
as required by law, without consent.
There
may be circumstances where we are obliged to disclose your information by law
and are prohibited from informing you when we have received a request for your
personal information in relation to any suspected or alleged criminal activity.
In
addition, third parties chosen by us are assessed to ensure that they handle
your information securely. Third parties are companies that we employ to
perform functions on our behalf. Some of our third parties perform the
following functions:
Receiving
payments, user verification, insurance providers, fulfilling orders, delivering
packages, sending postal mail and email, removing repetitive information from
customer lists, analysing data, providing market assistance, providing search
results and links (including paid listings and links), processing credit and
debit card payments, and providing customer service such as assisting in
upgrading customer contracts, conducting direct marketing activities subject to
compliance with the laws relating to consent.
By
performing online services on our Applications these third parties have access
to personal information needed to perform their functions but may not use it
for any other purposes that have not been clearly defined by us.
We
shall not transfer your personal information to a country or territory outside
of Nigeria unless that country or territory ensures an adequate level of
protection of such personal information in relation to the processing of
personal information as adopted within Nigeria and unless an agreement setting out
the terms and conditions of securing the integrity and protection of data
commensurate to Nigeria legislation is concluded between us and the third party
to which the personal information is transferred.
Similarly,
this third party may not transfer your personal information to another third
party within that country or territory if they need to do so as part of their
processing which they are authorised to do on our behalf, without our prior
written authorisation. This will ensure that all authorised third parties apply
the same level of data security and protection as we do for you.
Your
Information Choices
If
you are a corporate user, you must go through your authorised corporate
representative who will engage with Skillerman App on your behalf, subject to
the corporate’s approval.
Accessing
and Changing your Information
You
can review the personal information which you provided to us and make any
necessary changes to the information you have provided, subject to it not
impacting our continued ability to deliver your Products and Services which you
have mandated us to provide.
Please
be aware that even after your request for a change is processed, we may, for a
time, retain residual information about you in its backup and/or archival
copies of its database.
Right
to Request Copies of Your Personal Information on Record
You
are entitled to request us to confirm what personal information we have on
record of you at no cost. This will be completed within a reasonable timeframe,
subject to any restrictions imposed by Law.
Thereafter
you may request copies of these records if you need to see them physically.
They will be provided in electronic format. If you wish to receive them in hard
copy, we will be obliged to quote in advance how much it will cost you and you
will need to confirm this in writing before we will process the request, again
within a reasonable period.
Right
to Object to Processing
Once
you have confirmed what personal information we have on record of you, you are
entitled to object to us processing any personal information and can follow the
same process mentioned above. You will be advised of whether it is possible to
cease the processing subject to the fact that we may need to tell you that it
means that we cannot continue to provide you with your product or service. For
example, if you no longer wish us to have access to your bank details, then we
will not be able to complete a product or service fee debit order, which means
we will have to cancel your product or service.
Deletion
or destruction of your Information
You
may request that we delete and or destroy any of your personal information
provided, that you have finalised your relationship with us, meaning your
contract has come to an end and you are no longer using our Products or
Services. We will however retain and use your personal information for as long
as is necessary to comply with our legal and business obligations, resolve
disputes and enforce this Policy. The same process as mentioned above will be
followed with all requests being confirmed in prescribed formats as required by
the Information Regulator and we will provide you with a certificate of
compliance at the end.
Direct
Marketing
You
have the right to choose whether you wish to receive marketing material or not.
We
may send you marketing materials on related services, products, and offerings
provided by us or authorised third parties from time to time, subject to your
having consented to receive it at the point of your first engaging with us or
the authorised third party. We will always provide you with the option to
opt-out of receiving such direct marketing materials at the subsequent points
of communicating.
On
occasion, if we wish to market a new Product or Service and we have no record
of your consent preferences, we or our authorised third party will contact you
once to establish this and update our records.
Please
note, if you are a member of a corporate and they own your contract, it is the
prerogative of the corporate that holds the master services agreement with us,
to determine what direct marketing may be permitted to be sent to its users.
Your
Obligations
a)
You have certain obligations. Some of these
obligations are imposed by applicable law and regulations, and others have
become commonplace for us:
b)
You must, always abide by the terms and
conditions of this Policy which may be updated from time to time, and any
agreement relating to our Products and Services that you have subscribed to.
This includes respecting all intellectual property rights that may belong to
third parties (such as trademarks or photographs).
c)
You must not download or otherwise disseminate
any information that may be deemed to be injurious, violent, offensive, racist,
or xenophobic, discriminates against people on the basis of gender and sexual
orientation, threatens the rights and safety of others, or which may otherwise
violate our purpose and spirit and our community of users on our web and/or
mobile applications.
d)
You must not provide us with information that
you believe might be false or misleading. You must keep your username and
password confidential and not share them with others. This particularly relates
to any minors or partners who may get access to your device.
Reporting
incidents
a)
Please let us know via email: contact@ebeanomarket.com
b)
If you believe your Skillerman web and/or
mobile application account has been compromised.
c)
If you have been contacted by someone about
your Skillerman Applications, account asking for a password, birth date, or
other personal information.
d)
If you believe your personal information has
been used for fraudulent activity.
e)
If you are a member of the security community
and need to report a technical vulnerability.
f)
If you have any other enquiry relating to
information privacy and security.
Right
to amend this Notice
Ebeanomarket.com
Limited may, at any time, change this Policy by posting the amended Policy on
www.skillerman.ng. Unless otherwise stated, the current version will apply each
time you access these Applications.
Date
of Publishing
Last
updated 09/11/2023