Privacy Policy
This Privacy policy between SVC
Mutual Limited and you, constitutes our commitment to your privacy on our applications,
administrative records, websites, social media platforms and premises.
1.0 Your Privacy Rights
This Privacy Policy describes
your privacy rights regarding our collection, use, storage, sharing and
protection of your personal information. It applies to the SVC Mutual Limited
website and all database applications, services, tools and physical contact
with us regardless of how you access or use them.
If you have created a username,
identification code, password or any other piece of information as part of our
access security measures, you must treat such information as confidential, and
you must not disclose it to any third party. We reserve the right to disable
any user identification code or password, whether chosen by you or allocated by
us, at any time, if in our opinion you have failed to comply with any of the
provisions of these Conditions. If you know or suspect that anyone other than
you know your security details, you must promptly notify us at Company email
address.
2.0 Consent
You accept this Privacy Policy
when you give consent upon access to our platforms, or use our services,
content, features, technologies or functions offered on our website, digital
platforms or visit any of our offices for official or non-official purposes. This
Policy governs the use of SVC Mutual Limited services and intervention projects
by our users and stakeholders unless otherwise agreed through written contract.
We may amend this Privacy Policy at any time by posting a revised version on
our website, or placing such notice at conspicuous points at our office
facilities.
3.0 Your Personal Information
When you use SVC Mutual Limited
Services, we collect information sent to us by your computer, mobile phone or
other electronic access device. The automatically collected information
includes but not limited to- data about the pages you access, computer IP
address, device ID or unique identifier, device type, geo-location information,
computer and connection information, mobile network information, statistics on
page views, traffic to and from the sites, referral URL, ad data, standard web
log data, still and moving images.
We may also collect information you provide us including but
not limited to- Full
Name (First Name, Last Name, and Other Names), Phone Number, Email Address,
State & Local Government, Gender, Date of Birth, Location (Longitude &
Latitude), Bank Verification Number (BVN), Transaction pin, correspondence
with SVC Mutual Limited support services and telecommunication with SVC Mutual
Limited. We may also collect information about your transactions, enquiries and
your activities on our platform or premises.
We may also use information
provided by third parties like social media sites. Information about you
provided by other sites are not controlled by SVC Mutual Limited and we are
therefore not liable for how they use it.
4.0 What we do with your personal information
The purpose of our collecting
your personal information is to give you efficient, enjoyable and secure
service. We may use your information to:
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Provide SVC Mutual Limited services and support;
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Process applications and send notices about your
transactions to requisite parties;
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Verify your identity;
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Resolve disputes, collect fees, and troubleshoot
problems;
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Manage risk, or to detect, prevent, and/or
remediate fraud or other potentially prohibited or illegal activities;
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Detect, prevent or remediate violation of Laws,
Regulations, Standards, Guidelines and Frameworks;
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Improve SVC Mutual Limited Services by
implementing aggregate customer or user preferences;
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Measure the performance of the SVC Mutual
Limited Services and improve content, technology and layout;
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Track information breach and remediate such
identified breaches;
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Manage and protect our information technology
and physical infrastructure;
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Contact you at any time through your provided
telephone number, email address or other contact details;
5.0 Cookies
Cookies are small files placed on
your computer’s hard drive that enables the website to identify your computer
as you view different pages. Cookies allow websites and applications to store
your preferences in order to present contents, options or functions that are
specific to you. Like most interactive websites, our website uses cookies to
enable the tracking of your activity for the duration of a session. Our website
uses only encrypted session cookies which are erased either after a predefined
timeout period or once the user logs out of the platform and closes the
browser. Session cookies do not collect information from the user’s computer.
They will typically store information in the form of a session identification
that does not personally identify the user.
6.0 How we protect your personal information
We store and process your
personal information on our computers in Nigeria. Where we need to transfer
your data to another country, such country must have an adequate data protection
law. We will seek your consent where we need to send your data to a country
without an adequate data protection law. We protect your information using
physical, technical, and administrative security measures to reduce the risks
of loss, misuse, unauthorized access, disclosure and alteration. Some of the
safeguards we use are firewalls and data encryption, physical access controls
to our data centers, and information access authorization controls.
7.0 How We Share your information within SVC Mutual Limited and other
users
During your interaction with our
website or premises, we may provide other organisations, with information such
as your name, contact details, or other details you provide us for the purpose
of performing our statutory mandate to you or third parties.
We work with third parties to
perform SVC Mutual Limited services and implement its mandate. In doing so, a
third party may share information about you with us, such as your email address
or mobile phone number.
You accept that your pictures and
testimonials on all social media platforms about SVC Mutual Limited can be used
for limited promotional purposes by us. This does not include your trademark or
copyrighted materials.
From time to time we may send you
relevant information such as news items, enforcement notice, statutorily
mandated notices and essential information to aid the implementation of our
mandate. We may also share your personal information in compliance with
National or international laws; crime prevention and risk management agencies
and service providers.
8.0 Security
We will always hold your
information securely. To prevent unauthorized access to your information, we
have implemented strong controls and security safeguards at the technical and
operational levels. This site uses Secure Sockets Layer/Transport Layer Security
(SSL/TLS) to ensure secure transmission of your personal data. You should see
the padlock symbol in your URL address bar once you are successfully logged
into the platform. The URL address will also start with https:// depicting a
secure webpage. SSL applies encryption between two points such as your PC and
the connecting server. Any data transmitted during the session will be
encrypted before transmission and decrypted at the receiving end. This is to
ensure that data cannot be read during transmission.
SVC Mutual Limited has also taken
measures to comply with global Information Security Management Systems (ISMS)
standard and we therefore have put in place digital and physical security
measures to limit or eliminate possibilities of data privacy breach incidents.
9.0 Data Confidentiality Rights
Your information is regarded as
confidential and will not be divulged to any third party except under legal
and/or regulatory conditions. You have the right to request sight of, and
copies of any and all information we keep on you, if such requests are made in
compliance with the Freedom of Information Act and other relevant enactments.
While SVC Mutual Limited is responsible for safeguarding the information
entrusted to us, your role in fulfilling confidentiality duties includes, but
is not limited to, adopting and enforcing appropriate security measures such as
non-sharing of passwords and other platform login details, adherence with
physical security protocols on our premises, dealing with only authorized
officers of the Agency.
10.0 Links to Other Websites and Premises
Certain transaction processing
channels may require links to other websites or Organisations other than ours.
Please note that SVC Mutual Limited is not responsible and has no control over
websites outside its domain. We do not monitor or review the content of other
party’s websites which are linked from our website or media platforms. Opinions
expressed or materials appearing on such websites are not necessarily shared or
endorsed by us, and SVC Mutual Limited should not be regarded as the publisher
of such opinions or materials. Please be aware that we are not responsible for
the privacy practices, or content of these sites. We encourage our users to be
aware of when they leave our site and to read the privacy statements of these
sites. You should evaluate the security and trustworthiness of any other site
connected to this site or accessed through this site yourself, before
disclosing any personal information to them. SVC Mutual Limited will not accept
any responsibility for any loss or damage in whatever manner, howsoever caused,
resulting from your disclosure to third parties of personal information.
11.0 Governing Law
This Privacy Policy is made
pursuant to the Nigeria Data Protection Agency (2023) and other relevant
Nigerian laws, regulations or international conventions applicable to Nigeria.
Where any provision of this Policy is deemed inconsistent with a law,
regulation or convention, such provision shall be subject to the overriding
law, regulation or convention.
12.0 Contact for Data Protection and Support
If you have concerns regarding
data protection or need our support, kindly send an email to dpo@svcmutual.com