This Privacy Policy details how Lilypoint gathers, utilizes, safeguards, and shares personal data. It applies to all websites, apps, services, and tools provided by Lilypoint, no matter how they are accessed. By engaging with our services—including the site, software, and products—you consent to this Privacy Policy and our Terms of Use. These terms cover the full range of services and content offered through Lilypoint. By continuing to use our platform, you confirm your acceptance of our practices regarding data usage and protection.

This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumers electronic device (each, a "Device").

This Privacy Policy does not cover services that Lilypoint does not own or control, such as third-party websites and services of other Lilypoint merchants. These external sites may place cookies, plug-ins, or other files on your device, collect data, or request personal information. Lilypoint has no control over these third-party websites and is not responsible for their privacy practices. We recommend reviewing their respective privacy policies for further details.

INFORMATION WE COLLECT

a. Information You Provide Us

a. Information You Provide Us To gain full access to our website and services, you need to create a Lilypoint account. During registration, we collect Personal Information that you voluntarily provide. Personal Information includes details related to an identifiable person or data that can be used to identify you, such as your email address, bank details, name, and phone number. It may also include anonymous data, like your IP address, that can be specifically linked to you.

The Personal Information we have about you is directly made available to us when you:

• Sign up for a Lilypoint Account;
• Use any of our services;
• Contact us or our customer support team;

b. Personal Information We May Collect About You

We may collect, use, process, store, or transfer personal information such as:

- Identity Data & Identification Documents: Information such as, your full name(s), your government-issued identity number, bank verification number (BVN) or NIN and your date of birth. Identification documents may include passport or any Government-issued identity card, a photograph (if applicable) and any other registration information you may provide to prove you are eligible to use our services. This data is to enable us to verify your identity in order to offer our services to you;

• Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use and billing details;
• Store Technical information: When you use Lilypoint's services, our servers automatically log data sent by your browser, such as visited websites, clicked links, duration of time spent on certain pages, unique device identifiers, login details, location, and other device-specific information.
• Financial Data: Information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
• Transactional Data: These are information relating to payments when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services;
• Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties.
• Records of your discussions with us, if we contact you and if you contact us.

HOW WE MAY USE YOUR PERSONAL INFORMATION

We may use the Personal Information we collect to:

• Create and manage your accounts with us, verify your identity, deliver our services, and respond to your inquiries;
• To manage Lilypoint (i.e., provide our services to you) and for internal purposes such as troubleshooting, data analysis, testing, research, and statistical or survey purposes. This ensures Lilypoint’s stability and security and allows us to gather your feedback.
• Process your payment transactions (including authorization, clearing, chargebacks and other related dispute resolution activities);
• Protect against and prevent fraud, unauthorized transactions, claims and other liabilities;
• As necessary to establish, exercise and defend legal rights; As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over Lilypoint or it’s affiliates;
• To use data analytics to improve our Website, products or services, and user experiences.
• For other purposes for which we provide specific notice at the time of collection.

HOW WE SHARE YOUR PERSONAL DATA

We may disclose or share your Personal Information with third parties which include our affiliates, employees, officers, service providers, agents, suppliers, subcontractors as may be reasonably necessary for the purposes set out in this policy.

Lilypoint only shares personal information with external third parties under specific, limited circumstances:

• We have your consent. We require explicit opt-in consent to share any personal information. We share Personal Information with third parties that you have directly authorized, such as when you allow a third-party application provider to access your account. The use of your Personal Information by authorized third parties is subject to their privacy policy, and Lilypoint bears no liability for any breaches that may result from such authorization.
• We share information with our subsidiaries, affiliated companies, or other trusted partners for the purpose of processing personal data on our behalf. We ensure that these parties agree to handle the information based on our instructions and in compliance with this Privacy Policy, as well as adhere to appropriate confidentiality and security standards.
• If Lilypoint becomes involved in a merger, acquisition, or the sale of some or all of its assets, we will notify you before any personal information is transferred and becomes subject to a different privacy policy.
• satisfy any applicable law, regulation, legal process or enforceable governmental request,
• enforce applicable Terms of Service, including investigation of potential violations thereof
• detect, prevent, or otherwise address fraud, security or technical issues, or

OTHER RIGHTS TO YOUR PERSONAL INFORMATION WITH US

Below are the rights you have as a user in relation to your Personal Information;

• Right to request access or copies to your Personal Information by contacting us
• Right to information on their personal information collected and stored;
• Right to objection or request for restriction; this means refrain us from doing certain things with your data or restrict the extent of our collection or processing of your data.
• Right to correct or rectify any Personal Information that you provide which may be incorrect, out of date or inaccurate.
• Right to object to the processing of your Personal Information for marketing purposes. You have a right to ask us not to contact you for marketing purposes by adjusting your notification preference on the settings page or by opting out via the unsubscribe link in marketing emails we send you.
• Right to request that Lilypoint erase your Personal Information. You have the right to ask us to erase your Personal Information. Please note that this is a limited right which applies where the data is no longer required, or the processing has no legal justification. The exceptions to this right is where the applicable law requires us to retain a historical archive or where we retain a core set of your personal data to ensure we do not inadvertently contact you in future where you object to your data being used for marketing purposes.
• Right to object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you.
• Right to request the movement of data from Lilypoint to a third party; this is the right to the portability of data;

The basis of we processing your Personal Information is your consent. You also have the choice at any time to withdraw consent which you have provided.

You may decline to provide your personal Information when it is requested by Lilypoint, however, certain services or all the services may be unavailable to you. You may review your account settings and update your Personal Information directly or by contacting us.

If you wish to exercise any of the rights set above, please contact us using the contact information provided in the Contact Us segment below.

SECURITY AND STORAGE OF YOUR PERSONAL INFORMATION

We have suitable security measures in place to prevent your Personal Information from being accidentally lost or used or accessed in an unauthorised way by a third party. When your bank account information is transmitted via our Services, it will be protected by encryption technology. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your Personal Information on our instructions. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Unfortunately, no method of electronic transmission or storage via the Internet is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your password for your Lilypoint account and do not share them with others. If we receive instructions using your Lilypoint account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Lilypoint accounts, and to remove or edit content.

Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will retain your Personal Information for as long as necessary to fulfil the purposes we collected it for, including the purposes of satisfying any legal, accounting, or reporting requirements.

AGE RESTRICTION

Our Services are not directed, or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the Age Limit, please do not use the Services, and do not provide any personal data to us.

If as a parent or guardian, you become aware that your child or ward child has provided us with any information without your consent, please contact us through the details provided in this Privacy Policy.

OPT-OUT RIGHTS

If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that if you are a User, you are not able to opt out of receiving communications about your Lilypoint account or related transactions with us.

CHANGE TO OUR PRIVACY POLICY

Subject to applicable law, we may change, amend or review this Privacy Policy at any time to reflect new services or changes in our Policy. All changes made will be posted on this page and where changes will materially affect you, we will notify you of this change by placing a notice online or via mail. If you keep using our Services, you consent to all amendments of this Privacy Policy.

CONTACT US

If you have any questions, comments, or concerns with respect to your Personal Information or this Privacy Policy, you may contact us by:

• reaching out to the customer service support available on the website.
• sending an email to hello@lilypoint.com.ng

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