Tillit MSME Microservices Limited Privacy Statement
Protecting the individual's privacy on the Internet is crucial to the future of Internet-based business and the move towards a true Internet economy. We have created this Privacy Statement to demonstrate our firm commitment to the individual's right to privacy. This Privacy Statement outlines our handling practices with regard to such information that can be used to directly or indirectly identify an individual (“Personal Data”).
This Privacy statement sets out how Tillit MSME Microservices Limited (“Tillit”) and its subsidiaries (together referred to as “the Group”) uses and protects any information that you give when you use www.paycientfinance.com (the “Website”) and any other website which references this Privacy Statement. The data controller in the case of www.paycientfinance.com is Tillit MSME Microservices Limited of 15 Ihuntayi Street, Victoria Island Extension.
I. Global Privacy Fundamentals
Our privacy practices set out herein reflect current global principles and standards on handling Personal Data. These principles include notice of data use, choice of data use, data access, data integrity, security, onward transfer, and enforcement/oversight. We abide by the privacy laws in the countries where we do business
II. Consent
By using this Website, you consent to the collection and use of your Personal Data as described herein. If you do not agree with the terms set out herein, please do not use this Website.
If we decide to make changes to this Privacy Statement, we will post the changes on this Website so that you will always know what Personal Data we collect, and how we use it. We therefore encourage you to periodically look for updates to this Privacy Statement.
As may be required by applicable law, we may also seek your explicit consent to process certain Personal Data collected on this website or volunteered by you. Kindly note that any consent will be entirely voluntarily. In case you do not grant the requested consent to the processing of your Personal Data or (in accordance with Subsection 10 (Data Retention) below) later inform Tillit that you do not want Tillit to further process your Personal Data, however, the (further) use of certain offerings or services of Tillit may be either not possible or limited in scope.
III. Collection and Processing of Your Personal Data
To serve you better and understand your needs and interests, Tillit collects, exports, and uses Personal Data with adequate notice (as set out herein) and, where legally required, consent, along with required filings with data protection authorities, when applicable.
When you visit our website, we may record your IP address and use cookies and other Internet technologies (referred to below as Automated Tools and Embedded Web Links) to gather information about our visitors and their interests. Depending on the Automated Tools used, the gathered data comprise, in addition to your IP address, the cloud identity we assign to you when you register with Tillit, the type of browser you use, the Tillit websites you have visited, the objects you have clicked on a certain Tillit website, the time you have spent on a certain website, the referring website from which you have accessed a Tillit website and the foreign destination website which you access from an Tillit website. The technologies used and the information collected are described in more detail in Subsection 5 (Automated Tools) below. After you have granted your consent (where legally required), Tillit may add information collected by way of Automated Tools to user profiles Tillit retains about you. Such additional information includes your user ID, website preferences and your interest in Tillit’s products.
We may further collect and process any Personal Data that you volunteer to us, e.g. when you register for events or other offerings of Tillit, subscribe to newsletters, participate in online surveys, discussion groups, forums or Tillit’s chat service, or when you make purchases or otherwise submit your contact details to Tillit. In case you provide Tillit with your IDs of social media, Tillit may retrieve publicly available information about you.
Such Personal Data will comprise in the individual case (a subset of): your first and last name, your postal and email address (as further detailed in Subsection 2. (Email Addresses) below), your telephone number, log in data for social networks, financial and banking details relevant to process your order (as further detailed in Subsection 3. (Shopping or Event Registration) below), and certain information about the company you are working for (i.e. your company’s name and postal address, your job title and seniority level) as well as information as to which relationship (i.e. which version of Tillit’s terms of use you have accepted or what our choice regarding receiving marketing materials from Tillit is) between Tillit and you exists.
1. Use and Purpose of Collected Personal Data
The information Tillit collects to understand your needs and interests helps Tillit deliver a consistent and personalized experience. We will use such information only as described in this Privacy Statement and/or in the way we specify at the time of collection. We will not subsequently change the way your Personal Data is used without your consent, as required by applicable law. We will exclusively use your Personal Data for the following purposes:
i. To process the service we offer to you.
ii. To keep you up to date on the latest product announcements, software updates, software upgrades, security patches, system enhancements, special offers, and other information regarding Tillit’s software and services. This may occasionally include information from other technology companies or business partners about products and services that can add value to your Tillit products. In this regard, you expressly acknowledge that your contact details may be shared by Tillit with such other companies of the Tillit group. Furthermore, you acknowledge that any information required to track your choices regarding receiving marketing materials (i.e. depending on the country where the relevant Tillit group company operates whether you have granted an explicit consent into receiving and/or opted-out of receiving marketing materials) may be stored and exchanged between any of the above mentioned companies.
iii. To tailor information about our products and services to your individual interests. For example, during a visit to our website, it allows us to provide you with specific information on products and services that may be of interest;
iv. To provide the ability to create by way of the Tillit Cloud ID Service a single user profile which one individual can use within the whole Tillit group of companies to access web offerings and services. Therefore, you acknowledge that such Personal Data required for the creation of your user profile may be shared within and used by the whole Tillit group of companies for this purpose. Such service may also allow you to share information about you (including Personal Data) with other registered users of the same service. You can use the functionality of the relevant service to determine which information you want to share;
v. Beyond the Tillit Cloud ID Service profile described in the bullet point above to provide the ability to create other user profiles and access to other service specific personal profile areas (e.g. in connection with Tillit’s own partner programs, forums and communities). Since such profiles may allow you to access services of different members of the Tillit group of companies you acknowledge that such Personal Data required for the creation of your user profile may be shared within and used by the whole Tillit group of companies for this purpose. Such service may also allow you to share information about you (including Personal Data) with other registered users of the same service. You can use the functionality of the relevant service to determine which information you want to share;
a. To provide a personalized user experience and view protected content;
b. To conduct online "Click to Chat" and "Click to Call" sessions;
c. In order to ensure and control the quality of the information and experience you have during chat sessions with Tillit by educating our personnel to effectively answer your questions;
d. To provide the ability to contact you in order to respond to your inquiries, and provide you with shipping and billing information, and to provide customer feedback and support;
e. To conduct questionnaires and surveys in order to provide better products and services to our customers and end users. Your completion of any questionnaires is voluntary;
f. To support recruitment inquiries;
g. To prepare anonymized data regarding the use of Tillit’s websites and offerings. Tillit will use such anonymized data only for the improvement of such websites and offerings
h. To meet contractual obligations; and
i. To comply with applicable regulatory requirements, in particular resulting from export laws. Tillit and its products, technologies and services are subject to the regulatory laws of various countries, including without limitation, to those of the Federal Republic of Nigeria and other countries as maybe added from time to time. You acknowledge that, pursuant to the applicable regulatory laws, trade sanctions and embargoes issued by these countries, Tillit is required to take measures to prevent entities, organizations and parties listed in government issued sanctioned party lists from accessing certain products, technologies and services through Tillit’s websites or other delivery channels controlled by Tillit. You therefore acknowledge and agree that Tillit may (a) automatically check any user registration data and other information you provide about your identity against applicable sanctioned party lists; (b) regularly repeat such checks whenever a sanctioned party list is updated or when you update your information; (iii) block your access to Tillit’s services and systems in case of a potential match; and (c) in case of a potential match contact you in order to confirm your identity.
Tillit will only gather information related to your visit to the Tillit site. We do not track or collect Personal Data from your visits to companies or entities outside the Tillit Group of companies beyond the information stated above in the Subsection III. (Collection and Processing of Your Personal Data).
2. E-mail Addresses
If you choose to give us your e-mail address, we will communicate with you via e-mail. We do not share your e-mail address with others outside the Tillit group of companies unless this is required for the business relationship between you and Tillit or if you register for third party services. You can choose not to receive any more e-mails at any time (in accordance with Subsection 9. (Choice/Opt-Out) below). However, such choice will not affect the sending of emails that are strictly required to perform the business relationship between you and Tillit.
If you choose to register for third-party services, we may need to send some information from your registration with Tillit to the service provider, possibly including your e-mail address
3. Shopping or Event Registration
Our site includes order forms that you fill out to request information, products, and services. These forms may in addition to the information described above collect your financial information, such as your banking details or credit card numbers. Tillit promises to use any financial information that you submit solely for billing and payment purposes for that special transaction. This may include the transfer of your data to third parties involved in executing the transaction, such as banks, credit card companies, payment facilitators and other financial and credit control institutions.
4. IP Addresses
We use IP addresses to help diagnose problems, to establish the country from which a user is using our websites and services in order to provide appropriate legal statements, to administer our website, and to gather demographic information as further stated in the below Subsection 5 (Automated Tools). We may also use IP addresses or other information, as further explained in Subsection 5 (Automated Tools) below you have shared on this website or at any earlier occasion or a campaign code, to determine which pages on our sites you visit and which topics may be of interest to you so we can provide you with information about relevant products and services.
We may also use IP addresses or other information, as further explained in Subsection 5 (Automated Tools) below you have shared on this website or at any earlier occasion or a campaign code, to determine which pages on our sites you visit and which topics may be of interest to you so we can provide you with information about relevant products and services.
Tillit may also collect IP addresses (and other technical information such as browser type) during a Click-to-Chat or Click-to-Call session that you initiate. This information is collected when you connect to Tillit so that we may identify your session, deliver content based on the technical capabilities of your browser, and for quality control purposes. Your IP address will not be used to identify you unless you provide your prior consent.
Tillit will only gather information related to your visit to the Tillit site. We do not track or collect Personal Data from your visits to companies or entities outside the Tillit Group of companies beyond the information stated above in the Subsection III. (Collection and Processing of Your Personal Data).
5. Automated Tools
In addition to the information you provide, Tillit may also collect information during your visit to a Tillit website through Automated Tools, which include Web beacons, cookies, embedded Web links, and other commonly used information-gathering tools. These tools collect certain standard information that your browser sends to our website such as your browser type and language, access times, and the address of the website from which you arrived at a Tillit website. Using these tools, Tillit is also able to confirm receipt of e-mails that the recipient consented to receive, and can track other information such as pages visited on the relevant Tillit site and whether or not the recipient registers for an event offered by Tillit and certain other aggregate data that is not related to a particular individual
Unless another means to make your choice is listed below, you may refuse the use of Automated Tools like cookies (i) if the relevant website supports TRUSTe Consent Manager by clicking on the respective link in the footer of the website or, (ii) if TRUSTe Consent Manager is not available, by selecting the appropriate settings in your browser. Kindly note that in the latter case the settings in your browser regarding cookies are limited to the particular browser installed on a particular device and that, as a consequence, if you visit Tillit’s websites with different browsers or different devices, you have to disable the tracking cookies in the browsers of all relevant devices. However kindly further note that if you do this you may not be able to use the full functionality of the relevant site.
Tillit is in particular currently using the following Automated Tools for the purposes set out below.
i. Google Analytics
Some websites which refer to this Privacy Statement use Google Analytics. Google Analytics uses cookies, which are text files placed on your computer to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on site activity for site operators and providing other services relating to site activity and internet usage.
Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.
ii. Tillit Web Analytics
Some websites which refer to this Privacy Statement use Tillit Web Analytics (“TWA”). TWA helps to analyze how users use the relevant site. The information generated (including a part of your IP address and a browser-ID) will be transmitted to and stored by Tillit. Tillit will use this information only for the purpose of evaluating your use of the website and compiling reports on website activity for website operators – and finally, to improve Tillit’s websites.
Each website which uses TWA contains a separate statement regarding such use and provides for an option of the user to opt-out of the tracking by TWA either directly in the relevant statement or by way of the TRUSTe Consent Manager which can be reached over a link on the relevant page (where available)
6. Usage tracking for marketing purposes
Tillit websites may collect the way you are accessing and using such websites by other means in order to prepare usage profiles that are used to determine which content is the most appropriate to be displayed while you visit a certain website.
In this case, Tillit is capturing your usage behavior (websites visited, point in time a website has been visited, activity on a website/clicks made on (objects of) a website, browser type, operating or computing system used, referring website from which you have accessed a Tillit website, the location from where you access a website) together with a unique identifier (like your IP address or a cookie ID) that allows Tillit to establish that there is a certain person active on its websites but no information like your name that can be used to directly identify you. Tillit will use the collected information only in order to display appropriate and relevant content on its websites.
You may opt-out of this tracking (i) if the relevant website supports TRUSTe Consent Manager by clicking on the respective link in the footer of the website or, (ii) if TRUSTe Consent Manager is not available, by selecting the appropriate settings in your browser. Kindly note that in the latter case the settings in your browser are limited to the particular browser installed on a particular device and that, as a consequence, if you visit Tillit’s websites with different browsers or different devices, you have to make the respective adjustments in the browsers of all relevant devices. However kindly further note that depending on the settings made in your browser(s) you may not be able to use the full functionality of the relevant site.
7. Embedded Web Links
Emails from Tillit often use links designed to lead you to a relevant area on the Web, after redirection through Tillit's servers. The redirection system allows Tillit to change the destination URL of these links, if necessary, and to determine the effectiveness of our marketing initiatives.
In emails, such links may also allow Tillit to determine if you have clicked on a link in the email, and the information about this interaction may be connected to your personal identity. If you do not want Tillit to collect information about the links you clicked, you can simply choose not to click on the links in an e-mail that Tillit sends you.
8. Cookies
Cookies are identifiers that can be sent from a site via your browser to be placed on your computer's hard drive. Tillit uses cookies to deliver personalized content, to save you having to re-enter your password or complete registration forms repeatedly, to keep track of your shopping cart, and to tailor our information offerings to how you and others use the site.
We offer to you the following option to make your choice regarding Tillit’s use of cookies:
Some websites of Tillit provide you the option to accept the use of cookies. You may accept or refuse the use of cookies by selecting the appropriate settings in your browser. Kindly note that the settings in your browser regarding cookies is limited to the particular browser installed on a particular device and that, as a consequence, if you visit Tillit’s websites with different browsers or different devices, you have to disable the cookies in the browsers of all relevant devices. Furthermore, please note that if you disable cookies you may not be able to use the full functionality of a website.
9. Limiting Collection
The Personal Information collected will be limited to those details necessary for the purposes identified by us. With your consent, we may collect Personal Information from you in person, over the telephone or by corresponding with you via e-mail, or the Internet.
10. Limiting Use, Disclosure and Retention
The security, integrity, and confidentiality of your information are extremely important to us. We have implemented technical, administrative and physical security measures that are designed to protect guest information from unauthorized access, disclosure, use, and modification. Personal Information may only be used or disclosed for the purpose for which it was collected unless you have otherwise consented, or when it is required or permitted by law. Personal Information will only be retained for the period of time required to fulfill the purpose for which we collected it or as may be required by law.
11. Disclosure of Personal Information to Third Parties
We may disclose your personal information to third parties in accordance with this policy in circumstances where you would reasonably expect us to disclose your information. For example, we may disclose your personal information to:
a. Our third-party service providers,
b. Our marketing providers
c. Our professional service advisors.
d. Credit bureaus
e. Loan recovery agents
f. securitization and financing partners
12. Accuracy
Personal Information will be maintained in as accurate, complete and up-to-date form as is necessary to fulfill the purposes for which it is to be used.
13. Openness
We will make information available to you about our policies and practices with respect to the management of your Personal Information.
14. Customer Access
Upon request, you will be informed of the existence, use and disclosure of your Personal Information, and will be given access to it. You may verify the accuracy and completeness of your Personal Information, and may request that it be amended, if appropriate. However, in certain circumstances permitted by law, we will not disclose certain information to you. For example, we may not disclose information relating to you if other individuals are referenced or if there are legal, security or commercial proprietary restrictions.
15. Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. Personal Information will be protected by security safeguards that are appropriate to the sensitivity level of the information. We regularly review our security procedures to consider appropriate new technology and methods to protect your Personal Information. Please be aware that, despite our best efforts, no security measures are perfect or impenetrable.
16. Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
17. Your information with us
If you believe that any information we are holding on you is incorrect or incomplete, email us as soon as possible, at the address below. We will promptly correct any information found to be incorrect. Persons under the age of 18 Our website and app is not intended for persons under 18 years of age. No one under age 18 may provide any personal information to or on the site. We do not knowingly collect personal information from persons under 18. If you are under 18, do not use or provide any information on this website or on or through any of its features, make any purchases through the site, use any of the interactive or public comment features of this site or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a person under 18, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us.
18. Handling Customer Complaints and Suggestions
You may direct any questions or enquiries with respect to our privacy statement or our practices by contacting us: Via email at: info@paycientfinance.com, or call us via + 234 9135297411