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