Privacy Policy - Alero Africa

Alero Africa – Privacy Policy

OUR COMMITMENT TO PRIVACY

Alero Africa knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used.

This Privacy Policy applies to our website and all related sites, applications, services and tools regardless of how you access or use them. This Privacy Policy is part of our Terms of Use. By accessing or using our Services, website, software, services, applications, products and content offered via Alero Africa (collectively, the “Services”), you agree to this Privacy Policy and our Terms of Use.

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

This Privacy Policy does not apply to services that are not owned or controlled by Alero Africa, including third-party websites and the services of other Alero Africa merchants. These other sites may place their cookies, plug-ins or other files on your computer, collect data or solicit personal information from you. Alero Africa does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements.

APPLICABILITY OF PRIVACY POLICY

This privacy policy applies to all information we collect through our Services from current and former Alero Africa users, including you. “Services” means any products, services, content, features, technologies, or functions, and all related websites, applications and services offered to you by Alero Africa, in connection with your account. When you are no longer our customer, we continue to share your information as described in this policy.

Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been aggregated and/or anonymized so that it does not identify a specific user.

INFORMATION WE COLLECT

a. Information You Provide Us

To gain full access to our website and services, you must register for an Alero Africa account. When you register for an account, we collect Personal Information you voluntarily provide us. Personal Information refers to information relating to an identified person or information that can be used to identify you, such as email address, bank details, name, and telephone number. It may also include anonymous information IP addresses that may be linked to you specifically.

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

Sign up for an Alero Africa account;
Use any of our services;
Contact us or our customer support team;
Fill out our online forms;

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 a 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 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.
Log/Technical information: When you access Alero Africa’s services, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details.
Device Information: This information about you: (a) from your mobile device or computer such as your device type, machine or mobile device identification number, Geolocation Information, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards.
Geolocation Information – information that identifies with reasonable specificity your location by using, for instance, longitude and latitude coordinates obtained through GPS, Wi-Fi, or cell site triangulation. We will collect this data for fraud and risk purposes. In addition, some of our Services may ask you for permission to share your current location within your device settings to enhance our Services. If you do not agree to our collection of Geolocation Information, our Services may not function properly when you try to use them. For information about your ability to restrict the collection and use of Geolocation Information to enhance our Services, please refer to the settings available on your device.
Social Web Information – including but not limited to your Facebook Connect credentials and email account information. If you authorize Facebook Connect, the plug-in allows us access to your email address, Facebook friends list, and public profile (including profile picture). We may also allow you to import data from other social web services, including but not limited to Twitter and email service providers. Social and e-mail contact information helps you connect to friends and contacts for invitation and payment transmission purposes (as well as helping us improve the Services and fight fraud).
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 a record of your decision to subscribe or to withdraw from receiving marketing materials from us or our third parties.
Records of your discussions with us, if we contact you and if you contact us.

Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.

HOW WE MAY USE YOUR PERSONAL INFORMATION

We may use the Personal Information we collect to:

Create and manage any accounts you may have with us, verify your identity, provide our services, and respond to your inquiries.
To administer Alero Africa (i.e. to provide our Services to you) and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes (i.e. to guarantee Alero Africa’s stability and security) and to solicit 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.
Provide, administer and communicate with you about products, services, offers, programs and promotions of Alero Africa, financial institutions, merchants and partners.
Evaluate and improve our business, including developing new products and services.
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 Alero Africa or its 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 DATA

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

Alero Africa only shares personal information with External Third parties in the following limited circumstances:

We have your consent. We require opt-in consent for the sharing of any personal information; We share Personal Information with third parties directly authorized by you to receive Personal Information, such as when you authorize a third-party application provider to access your account. The use of your Personal Information by an authorized third party is subject to the third party’s privacy policy and Alero Africa shall bear no liability for any breach which may arise from such authorization by you.
We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons to process personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures
We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to:
- 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
- protect against imminent harm to the rights, property or safety of Alero Africa, its users or the public as required or permitted by law
If Alero Africa becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and become subject to a different privacy policy.

OTHER RIGHTS TO YOUR PERSONAL INFORMATION WITH US

Below are the rights you have as a user about your Personal Information.

Right to request access or copies of 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 restricting 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 Alero Africa 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 exception to this right is where the applicable law requires us to retain a historical archive or where we retain a core set of your 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 Alero Africa to a third party. This is the right to the portability of data.

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

You may decline to provide your Personal Information when it is requested by Alero Africa, 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 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 the absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your Alero Africa account password and do not share it with others. If we receive instructions using your Alero Africa account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Alero Africa account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Alero Africa accounts, and 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, 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.

INTERNATIONAL TRANSFER

Your information, including Personal Information, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer the information, including Personal Information, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

HOW WE USE COOKIES

Like many other websites, we use cookies to distinguish you from other users and to customize and improve our services. Cookies allow our servers to remember IP addresses, date and time of visits, monitor web traffic and prevent fraudulent activities.

Our cookies never store personal or sensitive information; they simply hold a unique random reference to you so that once you visit the site, we can recognize who you are and provide certain content to you.

If your browser or browser add-on permits, you have the choice to disable cookies on our website, however, this may impact your experience using our website. Unless you opt out of Cookies, we assume you consent to use Cookies.

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 Alero account or related transactions with us.

HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION

You can review and update your personal information in your account settings at any time by logging in to your account.

LINKS TO OTHER SERVICES OR SITES

The Services may contain links to (or allow you to link to) other third-party services or websites. Alero Africa does not control the information collection of third-party services or websites that can be reached through such links. We encourage our users to be aware when they are linking to a third-party service or website and to read the privacy statements of any third-party service or website that collects personally identifiable information.

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 to this Privacy Policy.

CONTACT US

If you have any questions, comments, or concerns concerning 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@alero.africa