Privacy Notice
We are Leadremit Nigeria Limited, a CBN-licensed payment processing company incorporated under the laws of Nigeria, with our office located at Suite 4, Block B, Alausa Shopping Mall, Obafemi Awolowo Way, Ikeja, Lagos. For any access requests, questions, or inquiries about how we use your Personal Data and our privacy practices, please contact us at [help@leadremit.com]
Overview
Leadremit and its affiliates (“we”, “us”, “our” collectively, “Leadremit”) are committed to protecting the rights and privacy of individuals in accordance with the Data Protection Legislation. This Privacy Notice (“Notice”) is designed to provide you with information on our privacy practices, the measures we take to protect the security of the data, and to help you understand your rights and choices when we collect or process your Personal Data. This Privacy Notice is applicable to all Leadremit Services accessed by you.
Our Privacy Principles
At Leadremit, our commitment to data privacy is grounded in the following core principles:
Empowerment and Choice
We believe in placing control in your hands. Leadremit encourages you to actively manage your Personal Data and make informed, voluntary choices about how it is used.
Trust and Accountability
We deeply value the trust you place in us. Safeguarding your Personal Data is a responsibility we uphold with the highest level of diligence. Robust technical and organizational security measures are implemented to ensure your information always remains protected.
Transparency and User Awareness
We are committed to transparency. We clearly communicate what constitutes Personal Data, how we collect it, the purposes for which it is processed, and the measures we take to secure it. Our goal is to ensure you remain fully informed and empowered.
Compliance with Applicable Laws
As a global organization, Leadremit adheres to the data protection laws and regulatory standards of the jurisdictions in which we operate. Our privacy practices are tailored to reflect both global best practices and local legal requirements. Where necessary, product-specific privacy notices may apply. We encourage you to consult the relevant webpage or digital platform for additional information.
Data Accuracy and Integrity
We take reasonable steps to ensure that the Personal Data we collect, and process is accurate, complete, and up to date, and provide mechanisms for correction where necessary.
Data Minimization and Responsible Retention
Leadremit collects and retains Personal Data strictly on a “need-to-know” and “need-to-process” basis. Data is collected solely to fulfill the provision of our Services and is retained only in accordance with the legal, regulatory, and operational requirements applicable to our business.
1. Personal Data We May Collect About You
Leadremit may collect, use, store, or otherwise process various categories of Personal Data while providing our Services. The categories of data we may process include, but are not limited to, the following:
1.1 Identity Data
This includes information necessary for identity verification and regulatory compliance, such as:
- Full name
- Government-issued identification number (e.g., national ID, passport, driver's license)
- Date of birth
- Photographs or biometric data (where applicable)
- Additional identity verification information submitted for Know Your Customer (KYC), Know Your Business (KYB), and Anti-Money Laundering (AML) compliance purposes
1.2 Contact Data
We collect contact and communication data necessary to maintain your account and deliver our Services, including:
- Residential and billing address
- Country of residence
- Email address and telephone number
- Device-related contact identifiers
1.3 Log and Technical Data
When you access our Services, our systems may automatically collect technical and usage information, such as:
- Internet Protocol (IP) address
- Browser type and version
- Device identifiers and characteristics
- Location data
- Pages visited, time spent on the site, and interaction data (e.g., clicks, scroll behaviour)
- Log-in timestamps and error logs
1.4 Financial Data
This includes payment and banking information necessary to process transactions, such as:
- Bank account and card details
- Bank Verification Number (BVN)
- Beneficiary information
- Transaction amount, date, merchant name, and payment method
1.5 Transactional Data
We collect information related to transactions initiated or received through our platform, whether as a merchant or as an end-user of our Services.
1.6 Marketing and Communications Data
This includes records of:
- Your marketing preferences (subscriptions or opt-outs)
- Communications exchanged with us, including call recordings, emails, chat logs, and survey responses
1.7 Customer Service Records
We may retain records of your communications with our support or administrative teams, including queries, complaints, or requests.
1.8 Non-Personal or Anonymized Data
We may collect, use, and share aggregated, anonymized, or statistical data for purposes such as analytics, reporting, or improving our Services. This data does not directly or indirectly identify you.
Sensitive Personal Data:
As a rule, Leadremit does not actively collect Sensitive Personal Data (e.g., health information, religious or political views). Where such data is lawfully collected, we will ensure that processing is conducted in strict accordance with applicable Data Protection Legislation and only with your explicit consent or as otherwise permitted by law.
2. Sources of Personal Data and Purposes of Collection
We obtain your Personal Data through the following means:
2.1 Direct Interaction
You provide Personal Data to us directly when you:
- Register or sign up for a Leadremit account
- Use our Services (including sending or receiving payments)
- Complete web forms, respond to surveys, or apply for job opportunities
- Contact us via customer support channels
- Register for our events, webinars, or forums
- Interact with our website or digital platforms
2.2 Third-Party and Public Sources
We may also collect Personal Data from external or publicly available sources, including:
- Credit reference and fraud prevention agencies
- Identity verification service providers
- Financial institutions and merchant partners
- Public directories, websites, or regulatory registers
- Analytics and service providers assisting with fraud detection, due diligence, or compliance
3. Legal Basis for Processing Your Personal Data
The legal grounds upon which we process your Personal Data include the following:
Consent: Where you have given clear, affirmative consent for us to process your Personal Data for a specific purpose.
Contractual Necessity: Where processing is necessary for the performance of a contract to which you are a party, or to take steps at your request prior to entering such a contract.
Legal Obligations: Where processing is necessary for compliance with a legal obligation to which Leadremit is subject, including but not limited to anti-fraud, anti-money laundering (AML), counter-terrorism financing, and know-your-customer (KYC) obligations.
Legitimate Interests: Where processing is necessary for our legitimate business interests, provided such interests are not overridden by your fundamental rights and freedoms. This may include fraud prevention, securing our systems, and improving our services.
4. Use of Your Personal Data
Your Personal Data may be utilized in connection with the following purposes:
- Establishing and maintaining your account(s), verifying your identity, and fulfilling our contractual obligations to you.
- Executing and managing transactions, including authorization, clearing, chargebacks, and dispute resolution.
- Preventing, detecting, and managing fraud, unauthorized access, and other illicit activities.
- Communicating with you regarding service updates, account-related matters, support queries, or responding to inquiries and complaints.
- Sending marketing communications and promotional materials related to Leadremit, its partners, or affiliates, unless you have opted out.
- Sending transactional messages such as OTPs for login and authentication purposes.
- Enhancing our Services through business analysis, audits, research, and development activities.
- Complying with regulatory and legal obligations, including due diligence, sanctions screening, and risk assessments.
- Conducting analytics to optimize performance, user experience, and functionality across platforms.
- Capturing audiovisual content at Leadremit-sponsored events for marketing, archival, and promotional purposes, where appropriate.
5. Mobile Application Usage
To enable full functionality of our mobile app such as initiating transfers to your contacts we may request access to your phone&aos;s contact list. Access is conditional upon your consent, which you may withdraw at any time. If consent is not granted, you may need to manually provide the recipient&aos;s email or phone number to complete transactions.
6. Employment Applications
Where you apply for employment with Leadremit, we will process your Personal Data to assess your candidacy, carry out background checks, and communicate with you regarding potential employment opportunities.
Other Purposes
We may process your Personal Data for any other purpose disclosed to you at the time of collection or as otherwise permitted or required under applicable law.
7. Your Data Protection Rights
Pursuant to applicable data protection legislation, you possess the following rights regarding your
Personal Data:
- Right to Be Informed: You have the right to be informed about how your data is processed, as set out in this Privacy Notice.
- Right of Access: You may request access to copies of your Personal Data in our possession.
- Right to Erasure: You may request the deletion of your Personal Data where continued processing lacks lawful basis, subject to regulatory retention obligations.
- Right to Rectification: You may correct or update inaccurate or outdated Personal Data.
- Right to Object: You may object to or restrict processing in certain circumstances. However, this may affect our ability to deliver Services to you.
- Right to Withdraw Consent: You may withdraw previously given consent at any time.
- Right to Data Portability: You may request the transfer of your data to you or a third party, where technically feasible.
- Right to Restrict Automated Decision-Making: You may opt out of decisions based solely on automated processing that significantly affect you
All rights may be exercised free of charge, subject to reasonable limitations permitted under applicable laws. Where your request is excessive or manifestly unfounded, we reserve the right to deny the request or charge a reasonable administrative fee. To exercise any of these rights, please contact us at help@Leadremit.com. We may request verification of your identity prior to processing your request. If a representative is acting on your behalf, we require documented proof of authorization.
8. Disclosure of Your Personal Data
Leadremit may disclose or otherwise make available your Personal Data to third parties where such disclosure is reasonably necessary to achieve the purposes outlined in this Privacy Notice, and always in compliance with applicable Data Protection Laws and Regulations.
We disclose Personal Data to third parties under the following limited and controlled circumstances:
We may share your Personal Data with Leadremit subsidiaries, affiliated entities, or group companies who process data on our behalf. Such processing is subject to strict contractual obligations, including adherence to our instructions, the implementation of appropriate confidentiality and data security measures, and compliance with relevant Data Protection Legislation.
We may engage third-party service providers, financial partners, and suppliers who support the delivery of our Services. These include, but are not limited to:
- Identity verification and fraud prevention services
- Customer support and contact centre operations
- Analytics and performance measurement tools
- Payment processing and banking partners, including card network providers
- Cloud hosting and information technology infrastructure providers
These parties are contractually bound to use your Personal Data solely for the intended purpose, and to maintain adequate security and confidentiality standards.
We may disclose your Personal Data to law enforcement agencies, courts, regulatory authorities, or other public bodies (which may be located outside your jurisdiction) where required to do so:
- In response to a legal obligation such as a subpoena, court order, or statutory request
- To comply with applicable laws or lawful governmental requests
- To meet regulatory obligations in connection with anti-money laundering, fraud detection, or prevention
We may disclose your Personal Data where such disclosure is reasonably necessary to:
- Enforce our Terms of Service or investigate violations thereof
- Detect, prevent, or otherwise address fraud, security breaches, or technical issues
- Protect the rights, property, or personal safety of Leadremit, its Users, or the public, as permitted or required by law
- With Your Consent:
In certain cases, we may share your Personal Data with third parties at your direction or with your explicit consent. Where such third-party services are engaged by you, their use of your Personal Data is governed by their own privacy policies. Leadremit shall not be held liable for any breach or misuse of data by third parties acting on your authorization. - Business Transfers:
In the event of a reorganization, merger, acquisition, sale, or transfer of Leadremit's business or assets (in whole or in part), your Personal Data may be shared with the relevant acquiring, merging, or successor entity. Such entity shall continue to process your Personal Data in accordance with this Privacy Notice or a substantially similar notice that will be communicated to you.
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9. Data Security Commitment
- At Leadremit, the security and confidentiality of your Personal Data is not just a priority—it's a foundational principle. We employ a layered security approach encompassing administrative, technical, and physical safeguards designed to protect your Personal Data against unauthorized access,
- Our security measures include, but are not limited to encrypted data storage, secured servers, firewalls, and role-based access controls. Only authorized personnel with a legitimate business need are granted access to your Personal Data, and even then, such access is limited to the extent necessary for them to perform their duties.
- When accessing your account, we strongly recommend that you implement best-practice security hygiene: use complex and unique passwords, activate two-factor authentication (2FA), and refrain from sharing your login credentials. You are responsible for maintaining the confidentiality of your access credentials and for any actions taken using your account.
- Leadremit is committed to operating in accordance with applicable data protection laws and standards to ensure the continued protection of your information. We take all reasonable precautions to safeguard Personal Data against foreseeable risks.
10. Data Retention Policy
- We retain Personal Data for only as long as necessary to provide our Services or as required by law. Should you close your account, your information will be stored securely in compliance with regulatory and anti-money laundering (AML) obligations. In accordance with these legal obligations, we maintain a minimum five-year retention period and may retain data beyond that timeframe for fraud detection, monitoring, and prevention purposes.
- All data retention is governed by statutory limitation periods and other legal or regulatory mandates. Once the applicable retention period expires and there is no further legitimate business need, your data will be securely deleted or anonymized.
11. Marketing
With your consent, we may use your Personal Data to reach out to you with updates, promotions, or surveys about our products and services. You always have the right to opt out of marketing messages or object to this type of communication.
Just a heads-up: even if you unsubscribe from marketing, we may still send you essential updates about your transactions or services related to our ongoing relationship. We might also ask for your permission to send you notifications. Totally your call—our services will still work just fine if you choose not to allow them.
12. Cookies
Like most sites out there, we use cookies to tell you apart from other users, track how your vibe with our site, and level up your experience. Depending on your settings, we may drop cookies on your device when you visit.
We'll only use ad and analytics cookies if you give us the green light. Some browsers auto-accept cookies, while others let you block or get a heads-up when cookies are coming in. If you turn off non-essential cookies, some features might not hit as hard—but you'll still get the basics. Wanna know more? Check our [Cookie Notice] for the full breakdown.
13. Minors
Leadremit's services and applications are not directed at persons under the age of eighteen (18) and we do not collect any Personal Data knowingly or directly from individuals who fall within this category. Where you have any belief that Leadremit has mistakenly or unknowingly collected information from a minor, please contact us to enable us to investigate and restrict such data collection.
14. Updates to Our Privacy Notice
Occasionally, we may update, amend, or review this Privacy Notice to reflect new services or changes. All updates will be posted on this page, and if any changes significantly impact you, we will notify you accordingly.
