Introduction

This Privacy Policy applies to Arca Payments Company Limited online interface (i.e., website or mobile application) and any Arca Payments Company Limited affiliate or subsidiary online interface that links to this Policy, (individually referred to as a 'site', and, collectively, 'sites'). The term 'the company' or 'Arca' or 'we' or 'us' or 'our' in this Policy refers to Arca Payments Company Limited and any affiliates or subsidiaries of Arca Payments Company Limited that links to this Policy. This Policy describes how the Sites may collect, use, and share information from or about you, and explains how information may be collected and used for advertising purposes.

Arca takes the privacy of your information very seriously. Please read this Policy carefully. By using the Site and any services we offer via the Site, you are agreeing to be bound by this Policy in respect of the information collected about you via this Site.

As a Customer, you accept this Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services.

This Policy is intended to govern the use of the Site by users. Users reserve the right to exercise their data protection rights as listed under the Customer Rights.

This Policy regulates how personal information will be used within the Company. To preserve the confidentiality of your data, we maintain the controls in place for privacy.

Collection of Information

We will collect the following information from you:

Name, a username, gender, date of birth;

Email address, postal address, telephone number;

Your interests

Account number, credit card number and expiry date

Merchant and acquirer Information

Although it is not compulsory to give us this information if you do not then we may not be able to provide you with the full range of services that the Site has to offer. Information is collected electronically and manually when they visit our website and register to use any of our services

Information is collected electronically with exchanges between your system or service provider's system and our system

We collect your information manually when you complete our product and services registration forms in registering to use any of our services. Similar information is also collected when customers or visitors' visit our physical locations for inquiries or business relationship.

Use of this Information

We will use this information to:

Administer your accounts with us;

Process orders or applications submitted by you;

Send you information about our products and services;

Carry out marketing analysis and make general improvements to our Site;

Obtain your views or comments on the services we provide;

Respond to your inquiries and fulfil your requests;

Inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;

Deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;

Allow you to apply for products or services.

Verify your identity and/or location, to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of the account and personal information;

Allow you to participate in surveys and other forms of market research, sweepstakes, 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;

Business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;

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

Allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services

Arca shall use personal information to provide customers services and products

Based on the request of Governmental compliance bodies, our regulators, and judicial bodies Arca may disclose personal information.

Arca may also use personal information to advertise our products and offerings to you.

Arca will also use your information to detect abnormalities or fraudulent activities on our system.

Arca only stores data for the purpose which it was collected for. The retention period for Storage of data is also largely determined by Legal and Regulatory bodies.

Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you

Security of Data

Arca protects your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration

Arca runs a secure security architecture from applications, software and processes to secure data from outsiders and abuse from insiders.

Arca uses advanced tools to secure data at rest and data in transit.

Arca complies with a management system for business continuity, quality management, information security and payment cards

Only a few employees based on role-based access are permitted by Arca to have access to personal information.

Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls. We have also taken additional measures by ensuring our system complies with industry information security standards.

Sharing this Information

Certain services available on this Site are offered in conjunction with one or more of our business partners

The services shall include [kindly include the services that would be rendered in conjunction with the Company's business partners]

For those services to be provided we provide some necessary details about you to our business partners. We tell you about this at the point we collect that information on the Site. Please note that certain services may be unavailable if you do not want to disclose the personal information you are asked for.

We may transfer your personal information to a third party as part of a sale of some or all of our business and assets to any third party or as part of any business restructuring or reorganisation, but we will take steps with the aim of ensuring that your privacy rights continue to be protected.

In addition, we may pass your information onto one of our carefully selected business partners or to other carefully selected third parties to enable them to send you information which may be of interest to you but only if you have permitted us to do so. You can tell us to stop this at any time by sending an email.

Other than as set out above, we will not disclose any of your personal information without your permission unless we are required by law to do so (for example, if required to do so by a court order or for prevention of fraud or other crime).

Changes to your Details

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 Site, or 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. You can also speak to a customer representative from the Company

Customer Rights

The right to request for your personal information.

The right to access your data held by us.

The right to restrict the processing of your personal information

The right to rectify your personal information.

The right to erase personal information if there is no Legal or Regulatory requirement that this is held.

Information Authomatically Collected from your Computer

We and our third-party service providers may collect and use other information in a variety of ways, including:

• Log files/IP addresses: When you visit the Site our web server automatically records your IP address. This IP address is not linked to any of your personal information. We use IP addresses to help us administer the Site and to collect demographic information for aggregation purposes.


• Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Site 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 Site.


• 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.


• Through your browser or device: Certain information is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.


• We may also gather other non-personal information (from which we cannot identify you) such as the type of your internet browser which we use to provide you with a more effective service.

Cookies

When you visit the Site we may store some information (commonly known as a "cookies") on your computer. Cookies are small files of information that use a unique identification tag and are stored on your device as a result of using the Site or other services we provide to you. Several cookies we use last only for the duration of your session and expire when you close your browser. Other cookies are used to remember you when you return to the site and will last for longer. A cookie helps you get the best out of the Site and helps us to provide you with a more customised and tailored service. We use cookies to:

So that you will not have to re-enter your details each time you visit the Site

To track how our Site is used and to improve and update our content

Store your preferences

Customise elements of the layout and/or content of the site for you

Collect statistical information about how you use the site so that we can improve the site

You can refuse to accept these cookies and most devices and browsers offer their 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 Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.

Security

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

We have implemented technology and policies to safeguard your privacy from unauthorised access and improper use. We use secure server software (SSL) to encrypt any financial information you need to input before it is sent to us.

Linking to Third Party Websites and Other Agrregation Websites

Linking to other sites: We may provide links to third party sites, which may include service providers or merchants. If you follow links to sites not affiliated or controlled by Arca, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. Arca does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our Site and recommend that you check the policy of each site you visit and contact its owner or operator if you have any concerns or questions.

Linking to other sites: We may provide links to third party sites, which may include service providers or merchants. If you follow links to sites not affiliated or controlled by Arca, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. Arca does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Using Other Aggregation Websites: Other companies offer aggregation websites and services that allow you to consolidate your financial account information from different sources (such as your accounts with us or with other financial institutions) so that you can view all your account information at one online location. To do this, an aggregation provider may request access to personal information, such as financial information, usernames and passwords. You should use caution and ensure that the aggregator company has appropriate policies and practices to protect the privacy and security of any information you provide or to which they are gaining access. We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your Site username and password.

If you provide your Site username, password or other information about your accounts with us to an aggregation website, we will consider that you have authorized all transactions or actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website cannot continue to access your account.

Social Media Sites

Arca provides experiences on social media platforms including, but not limited to, Facebook, Twitter, and LinkedIn that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Arca 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 concerning such content. Additionally, please note that when visiting any official Arca social media pages, you are also subject to Arca Privacy Policy and Social Media User Terms.

Updates to this Privacy Policy

This Policy is subject to change. Please review it periodically. If we make changes to the Policy, we will revise the 'last updated' date at the top of this Policy. Any changes to this Policy will become effective when we post the revised Policy on the Site. Your use of the Site following these changes means that you accept the revised Policy. You agree that it is your obligation to visit our Site from time to time and keep yourself abreast of any change or update that may be made to this Policy, and we are not obligated to notify you of any such change or update.

Contact us

If at any time you would like to contact us with your views about our privacy practices, or with any inquiry relating to your personal information, you can do so by sending an email to us at dpo@arca.network or write to us at our office at 8A Bendel Close, Off Bishop Aboyade Cole, Victoria Island, Lagos Nigeria.