Privacy Policy

Terms of Service

This privacy policy (this “Privacy Policy”) explains how personal information is collected, used, stored, and disclosed by Ecounsel (“we,” “us,” and “our”). This Privacy Policy applies to consumer users (individually referred to as “you”) of our websites, applications, and other online services to which this Privacy Policy is posted (collectively, our “Services”). Ecounsel is the controller and is responsible for the services and your Personal Information.

This Privacy Policy is part of our Terms of Use. By accessing or using our Services, you agree to this Privacy Policy and our Terms of Use. The provisions contained in this Privacy Policy supersede all previous notices and statements regarding our privacy practices with respect to our Services. If you do not agree to every provision of this Privacy Policy and our Terms of Use, you may not access or use our Services.

The term “Personal Information” as used in this Privacy Policy shall mean any information that enables us to identify you, directly or indirectly, by reference to an identifier such as your name, identification number, location data, online identifier or one or more factors specific to you.

Application of this Privacy Policy

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 consumer electronic device (each, a “Device”).

Information We Collect

Information You Provide Us

In general, you can visit www.ecounsel.com.ng without telling us who you are or revealing any information about yourself. When you submit an inquiry via our Services or register for a Ecounsel account, we will collect Personal Information from you, which may include your name, email address, mobile phone number, banking information, age, gender, location, address, date of birth, NIN, citizenship information, occupation status, and Income source.

By providing your Personal Information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.

We will also ask you to create login information for your Ecounsel account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services at that number, in line with the applicable law. You may withdraw your consent by contacting us as indicated below or by replying with “STOP” to any text message we send you. Please note that if you withdraw your consent to receive text messages from us, you may not be able to use some of our Services. Your mobile carrier’s standard text message and data charges may apply to text messages you receive from us, and you are responsible for any fees charged by your mobile carrier if we contact you.

Information About Your Transactions

We collect Personal Information about your transactions with us and others, as well as other information associated with your transactions such as amount received, amount paid for products or services, account balance, merchant information, Device Information and Log Information.

Information from Third Parties

We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency, product marketing companies, transaction data providers and other third parties which assist with fraud prevention and AML compliance

Information Automatically Collected

We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal Information as well as statistical information that does not identify you (“Analytics”). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy.

Information that we automatically collect in connection with your access or use of our Services may include:

Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Ecounsel account.

Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:

  • The Device’s Internet Protocol (“IP”) address
  • Identification numbers associated with your Devices
  • Device event information, such as crashes, system activity, and hardware settings
  • Location preferences
  • Date and time stamps of transactions
  • System configuration information
  • Other interactions with our Services

[Information on Your Device: We may collect Personal Information contained on your Device (for instance your geolocation data) where you give us explicit permission to do so.

Information Collected Through Cookies and Similar Technologies

We use cookies to personalize our Services for you and to collect and aggregate information about usage of our Services. The cookies assign random, unique numbers to your Devices to enable our systems to recognize your Devices and to allow us to see how you use our Services. Additional general information about cookies and how they work is available at www.allaboutcookies.org.

The Cookies We Use

Cookies make the use of our Services easier by, among other things, saving your preferences. We may also use cookies to deliver content tailored to your interests. Our cookies may enable us to relate your use of the Services to Personal Information that you previously provided.

The information that we collect with cookies allows us to statistically analyse usage of the Services, and to improve and customize our content and other offerings. However, we only disclose information collected with cookies to third parties on an aggregated basis without the use of any information that personally identifies you. 

The specific types of first party and third-party cookies placed by our Services and the purposes they perform are described are Strictly Necessary Cookies, Performance and Functionality Cookies, Analytical or Customization Cookies and Social Media Cookies.

 

Targeting Advertising

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and service that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements.

Changes to our Cookie Policy

Subject to applicable law, we may revise this Cookie Policy at any time and in our sole discretion. When we revise this Cookie Policy, we will post the revised version via our Services and will update the date at the top of this Cookie Policy. The revised Cookie Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law.

Do-Not-Track Signals

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 use technology that recognizes DNT signals from your web browser.

How We Use Information

We will use your Personal Information to operate our website and provide our Services, including:

  • to respond to your questions, provide related customer services and to administer your Ecounsel  account
  • to authenticate your access to your Ecounsel account
  • to create a connection between your Ecounsel account and bank account
  • to analyse your transactions and make automatic savings
  • to action your withdraw requests
  • to communicate with you about your Ecounsel account and the Services

We may use Analytics as described elsewhere in this Privacy Policy and for research and commercial purposes, such as to improve our Services, performance and functionality.
We may use Personal Information for the purposes described elsewhere in this Privacy Policy and internally for our general commercial purposes in line with our legitimate interests, including, among other things:

  • detect and prevent fraud or other abuse of our Services
  • to notify you of any changes to our Services
  • to monitor and protect the security of our information, systems and network
  • to ensure that content is presented most effectively for you and your Device
  • to enforce our Terms of Use
    We may use Personal Information for the purposes described elsewhere in this Privacy Policy and where you have provided your consent if required under the applicable law:
  • to offer our products and services and products and services of third parties that we think you might find of interest
  • to display content based upon your interests
  • to assess your needs and interests in order to better tailor offers and/or advertising

We may use your email address to respond to your inquiries and to provide you information about our Services. We will generally ask for your consent to receive promotional emails in line with the applicable law when you first provide your Personal Information. You may elect not to receive promotional emails from us either by “unsubscribing” to an email you receive from us or by contacting us as indicated below. If you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your Ecounsel account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.

How We Share Information

We do not share your Personal Information with: (1) other financial companies for joint marketing purposes; (2) affiliated companies for their everyday business purposes; or (3) any third parties so they can market to you.

We may share your Personal Information with unaffiliated third parties: (1) if you request or authorize it; (2) if the information is provided to help complete a transaction for you; (3) if the information is provided to: (a) comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.); (4) if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets); (5) if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analysing data, providing marketing assistance, providing customer service, processing orders, etc.); (6) for our everyday business purposes; or (7) as permitted by applicable law or otherwise described in this Privacy Policy. When you are no longer our customer, we continue to share your information as described in this Privacy Policy.

We will only transfer your personal information to trusted third parties who provide sufficient guarantees in respect of the technical and organisational security measures governing the processing to be carried out and who can demonstrate a commitment to compliance with those measures.

Our third-party service providers will only be permitted to use Personal Information for an intended purpose and in accordance with our instructions. We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes. We currently share data with partner banks, data processors, data providers, external secure cloud databases and cybersecurity applications.

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 you are not able to opt out of receiving communications about your Ecounsel  Lab account or related transactions with us.

Accessing Your Information

You must notify us of any change in your Personal Information by updating your Ecounsel account profile through our Services. Any changes will affect only future uses of your Personal Information.

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 respect your wishes to correct inaccurate information. Otherwise, we will hold your Personal Information for as long as we believe it will help us achieve our objectives as detailed in this Privacy Policy.

You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information, we hold about you.

Information You Share Socially

Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.

Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.

Security

We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration. When your bank account information is transmitted via our Services, it will be protected by encryption technology, such as Secure Sockets Layer (SSL).

No method of electronic transmission or storage 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 username and password for your Ecounsel account and do not share them with others. If we receive instructions using your Ecounsel account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Ecounsel account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Ecounsel accounts, and to remove or edit content.

Protecting Children’s Privacy

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 of 18, do not use our Services or submit any information to us.

Links to Third-Party Websites

When you use our Services, you may be directed to other websites that are beyond our control. We may also allow third-party websites or applications to link to our Services. We are not responsible for the privacy practices of any third parties or the content of linked websites, but we do encourage you to read the applicable privacy policies and terms and conditions of such parties and websites. This Privacy Policy only applies to our Services.

Changes to our Privacy Policy

Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will post the revised version via our Services and will update the date at the top of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services, unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services is subject to the version of this Privacy Policy in effect at the time of access or use.

Contacting Us

If you have any questions regarding this Privacy Policy, or if you wish to ask us to delete, correct, or show you your Personal Information as provided above, please contact us at support@ecousel.com.ng

 

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Support@ecounsel.com.ng