Privacy Notice

1.0. Our Standards

Bluebulb Financials has designed this Notice to be consistent with international best standards as follows:

• Reader-friendly and in a comprehensive manner;
• Data collection, storage, and processing simplified as much as possible to enhance security, ensure consistency, and make the practices easy for users to understand;
• Data practices meet the reasonable expectations of users.

2.0. Information We Collect

We collect your Personal Information for the purposes provided in this Privacy Notice and our Terms of Service, which may include your name, physical address, email address, bank details, and bank verification number. We collect your information in multiple ways, such as when you provide information directly to us; when we passively collect information from you, such as from your browser or device; and from third parties.

2.1. Information You Provide Directly to Us

We will collect any information you provide to us. We may collect information from you in a variety of ways, such as when you:

• Transact with us;
• Send and receive money;
• Contact us or provide feedback; and
• Subscribe to our mailing lists or newsletter(s).

This information may include but is not limited to your name, email address, phone number, mailing address, payment information, and your geographic location.

2.2. Information that Is Automatically Collected

Device/Usage Information

We may automatically collect certain information about the computer or devices (including mobile devices or tablets) you use to access the Services. We may collect and analyze:

• Device information such as IP addresses, location information (by country and city), unique device identifiers, browser types, browser language, operating system, mobile device carrier information; and
• Information related to the ways in which you interact with the Services, such as referring and exit web pages and URLs, platform type, the number of clicks, domain names, landing pages, pages and content viewed and the order of those pages, statistical information about the use of the Services, the amount of time spent on particular pages, the date and time you used the Services, the frequency of your use of the Services, error logs, and other similar information.

Cookies and Other Tracking Technologies

We also collect data about your use of the Services through the use of Internet server logs and online tracking technologies, such as cookies and/or tracking pixels. A cookie is a small text file that is placed on your computer when you visit a website, that enables us to:

• Recognize your device;
• Store your preferences and settings;
• Understand the web pages of the Services you have visited;
• Enhance your user experience by delivering content specific to your inferred interests;
• Perform searches and analytics; and
• Assist with security administrative functions.

2.3. Information from Third Parties

To the extent permitted by law and for the purposes of our Services, we may also collect information from third parties, including public sources, social media platforms, and marketing and market research firms.

3.0. How We Use Your Information

We may use the information we collect from and about you to:

• Fulfill the purposes for which you provided it.
• Provide and improve the Services, including to develop new features or services, take steps to secure the Services, and for technical and customer support.
• Make sales, accept payments, or process transactions; Send you information about your interaction or transactions with us, account alerts, or other communications.
• Process and respond to your inquiries or to request your feedback; Conduct analytics, research, and reporting.
• Comply with the law and protect the safety, rights, property, or security of Bluebulb Financials, the Services, our users, and the general public.
• Enforce our Terms of Use, including to investigate potential violations thereof.

4.0. Our Disclosure of Your Information

We may disclose and/or share your information in the following circumstances:

4.1. Service Providers

We may disclose your information with third parties who perform services on our behalf, including website developers, internet service providers, marketing personnel, customer support agents, data storage operators, data analysts and legal service providers.

4.2. Legal Compliance and Protection

We may disclose your information if required to do so by law or on a good faith belief that such disclosure is permitted by this Privacy Notice or reasonably necessary for any of the following reasons:

• To comply with legal process;
• To enforce or apply our Terms of Use and this Privacy Notice;
• Enforce our Code of Conduct and policies;
• To respond to your requests for customer service; and/or
• To protect the rights, property, or personal safety of Bluebulb Financials, our agents and affiliates, our users, and the public.

4.3. Business Transfers

As we continue to develop our business, we may engage in certain business transactions, such as the transfer or sale of our assets. In such transactions, your information may be disclosed.

4.4. Affiliated Companies

We may disclose your information with current or future affiliated companies.

4.5. Consent

We may disclose your information to any third parties based on your consent to do so.

5.0. Our Legal Basis for Processing Your Information

The laws in certain jurisdictions require companies to inform you about the legal ground they rely on to use or disclose information. Our legal grounds include:

• To Honor Our Contractual Commitments: Much of our processing is to meet our contractual obligations to provide services to our users.
• Legitimate Interests: We handle information that furthers our legitimate interests in ways that are not overridden by the interests or fundamental rights of affected individuals.
• Legal Compliance: We may need to use and disclose information to comply with our legal obligations.
• Consent: Where required by law, we handle information on the basis of consent.

6.0. Online Analytics

We may use third-party web analytics services (such as Google Analytics) on our Services to collect and analyze the information discussed above, and to engage in auditing, research, or reporting.

7.0. Your Choices and Data Subject Rights

Bluebulb Financials may transfer Personal Information that we maintain about you to recipients outside the country in which the Personal Information was originally collected. Where Personal Information is to be transferred to a country outside Nigeria, Bluebulb Financials shall put adequate measures in place to ensure the security of such Personal Information.

7.3. Your Rights as a Data Subject

Individuals who have their Personal Information held by Bluebulb Financials are entitled to exercise the following rights:

• Right to request for and access their Personal Information collected and stored.
• Right to information on their personal information collected and stored.
• Right to objection or request for restriction.
• Right to object to automated decision-making.
• Right to request rectification and modification of Personal Information.
• Right to request for deletion of their data.
• Right to request the movement of data from Bluebulb Financials to a third party (data portability).

8.0. Email Unsubscribe

You may unsubscribe from our mailing lists or newsletter(s), marketing, sales, promotions emails at any time by clicking on the "unsubscribe" link at the bottom of every email or by emailing [email protected] with your request.

9.0. Account Preferences

If you have registered for an account with us through our Services, you can update your account information or adjust your email communications preferences by logging into your account and updating your settings.

10.0. Cross-Border Transfers

We may share your information with trusted service providers or business partners in countries other than your country of residence in accordance with applicable laws. By providing us with your information, you acknowledge any such transfer and the storage or use of your data.

11.0. Security Measures

We have implemented technical, physical, and organizational security measures to protect against the loss, misuse, and/or alteration of your information. These safeguards vary based on the sensitivity of the information that we collect and store. However, we cannot guarantee that these measures will prevent every unauthorized attempt to access, use, or disclose your information.

12.0. Children

The Services are intended for users over the age of 18 and are not directed at children under the age of 13. If we become aware that we have collected personal information from children under the age of 13, we will take reasonable steps to delete it as soon as practicable.

13.0. Data Retention

We retain the information we collect for as long as necessary to fulfill the purposes set forth in this Privacy Notice or as long as we are legally required or permitted to do so subject to the relevant requirements under the applicable law or regulations.

14.0. Third-Party Links and Services

The Services may contain links to third-party websites, third-party plug-ins, and other services. If you choose to use these sites or features, you may disclose your information not just to those third parties, but also to their users and the public more generally depending on how their services function. We encourage you to read the privacy statements of each and every site you visit.

15.0. Changes to this Privacy Notice

We will continue to evaluate this Privacy Notice as we update and expand our Services, and we may make changes to the Privacy Notice accordingly. We will post any changes here and revise the date last updated above. We encourage you to check this page periodically for updates to stay informed on how we collect, use and share your information.

16.0. Questions About this Privacy Notice

If you have any questions about this Privacy Notice or our privacy practices, you can contact us at: [email protected]