Background

*Important Note: This app is for use by those who have a Nigerian issued Bank Verification Number. It can only be used with a Nigerian bank account. Please do not download this app if you do not have a BVN

In providing our array of financial services to you our esteemed client, Ziing may obtain your personal information which enables us deliver our products to you through Service Excellence, which is one of the main canons of our business values.

As our esteemed client, we are committed to protecting the privacy of your personal data as confidential information at all times to the best of our abilities as much as we protect our own corporate information. We therefore set out our Privacy Policy (“Policy”) which should be read at all times in conjunction with the Terms and Conditions of use of our mobile application and website (www.ziingit.com).

This Policy establishes the guidelines for accessing and usage of the Ziing platform. It also details our mode of handling your personal information received through this platform, in terms of the permitted purposes, and circumstances under which they may be shared with third parties.

COLLECTING AND USING INFORMATION

Personal Information We Collect Online:

During your visit to and use of our mobile application and website, we obtain your Personal Information, which means personally identifiable information such as information you provide by completing our online forms, surveys, applications or other online fields including name, postal or email addresses, telephone, or mobile numbers, or account numbers.

How We Use Personal Information

Ziing may use your Personal Information in any of the following ways:

· Inform you about important information regarding the mobile application and website, our products and services which you may be interested in, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information; as well as to respond to your inquiries and fulfil your requests;

· Deliver marketing communications that we believe may be of interest to you, including but not limited to adverts or offers relevant to you;

· We also do our best to personalise your experience on the mobile application and website, which will enable you apply for products or services, such as opening an investment account or other financial products and evaluate your eligibility for such products or services;

· We verify your identity and/or location in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your account and Personal Information;

· To entitle you to participate in surveys and other forms of market research, contests and similar promotions and to administer these activities.  Some of these activities have additional rules, which may contain additional information about how Personal Information is used and
shared;

· To allow you make use of some mobile application and website financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use.   You have the option not to save the information;

· To consolidate your financial account information at one online location; understand what product or service may be of interest to you; and present you with offers;

· For business purposes, including data analysis, audits, developing and improving products and services, enhancing the platform, identifying usage trends and determining the effectiveness of promotional campaigns;

· For risk control, fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;

· To allow you to utilize features within our platforms by granting us access to information from your device.

 

How Personal Information Is Shared/Disclosed

Ziing will not disclose your Personal Information to anyone outside Ziing without your permission unless:

· We are compelled by law, regulatory authority or a court order to do so.

· We are satisfied that it is in the interest of the public to do so.

· We are convinced that it is necessary to protect our rights and interests.

· We obtain consent from You for us to do so.

 

OTHER INFORMATION WE COLLECT ONLINE

Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data 

How We Collect and Use Other Information

Ziing and its third-party service providers may collect and use Other Information in various ways, including:

·
IP Address:  We use IP Addresses for purposes such as calculating mobile application and website usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the mobile application and website. Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP).  An IP Address is identified and logged automatically in our server log files whenever a user visits the mobile application and website, along with the time of the visit and the page(s) that were visited.  Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites.

·
Your browser or device:  Certain information is collected by most browsers and/or through your device type, screen resolution, operating
system version and internet browser type and version. Ziing uses this information to ensure it mobile application and website functions properly, for fraud detection and prevention, and security purposes.

·
Using cookies:  Cookies are pieces of information stored directly on the device you are using.  Cookies allow us to collect information such as browser type, time spent on our mobile application and website, pages visited, language preferences, and your relationship with us.  Cookies we use do not contain or capture unencrypted Personal Information. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the mobile application and website in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the mobile application and website and to assist us with resolving questions regarding the mobile application and website.  We also utilize cookies for advertising purposes. You can refuse to accept these cookies as most devices and browsers offer their own privacy settings for cookies.  You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the mobile application and website and some online products and services.

·
Pixel tags, web beacons, and clear GIFs: These may be used in connection with some mobile application and website pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, for advertising and to assist us in resolving account holders’ questions regarding use of our mobile application and website.

·
Aggregated and De-Identified Data:  Aggregated and De-Identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analysing market trends, and other purposes consistent with applicable laws.

ADDITIONAL INFORMATION

Third-party widgets – we may allow certain widgets (e.g., social share buttons) on our mobile application and website that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our mobile application and website where these widgets are placed.

How we tailor Adverts:

Relationship-based Advertising

In order to help make our advertising informative and useful, we may use information about your relationship with us (such as types of accounts, transactional information or location) to help determine which advertisements or offers to present to you.

Online Behavioral Advertising

Ziing and or its advertising service providers may use certain information about your activities on our Sites, such as pages visited and search keywords entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising.

Advertising on third-party sites and mobile apps

Ziing engages advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third-party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third-party sites and mobile apps are not subject to Ziing Privacy Notices. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt-out policies.

Mobile Applications

Ziing’s Mobile Applications allows you to access your account balances and holdings, make deposits for investment purposes directly into your account or third party account with Ziing, liquidate your investments, transfer funds from your investment account to bank accounts, pay bills and purchase airtime on your mobile device.

Linking to other sites

We may provide links to third-party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated or controlled by Ziing, you should review their privacy and security policies and other terms and conditions, as they may be different from that of Ziing’s and Ziing does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

Social media sites

Ziing provides experiences on social media platforms including, but not limited to, Facebook®, Twitter®, YouTube® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Ziing managed social media pages, such as pictures, information, opinions or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Security

To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards, secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure.

Making sure information is accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on our mobile application and website, call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials. 

Protecting children’s privacy online

Ziing mobile application and website is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent.

Protecting individual health information

To the extent that we receive, maintain or process an individual’s protected health information, Ziing may disclose that information as authorized by and in accordance with applicable federal and/or state law.

Updates to this Privacy Notice

Ziing reserves the right to make amendments to this Privacy Policy from time to time to reflect changes to our practices concerning the use of our personal information. Any changes to this notice will become effective when we post the revised Notice on the mobile application and website. Unless otherwise stated, the current version supersedes and replaces all previous version. Your use of the website following these changes means that you accept the revised notice..