Terms of use

SME Services Mall Limited (“SME Mall”) is a private company duly incorporated in Nigeria. As the data collector, SME Mall (“we” “us” or “our”) are committed to protecting and respecting your privacy. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. The collection and processing of your personal data is in accordance with the National Information Technology Development Agency Act 2007 (“the Act”) and the provisions and prescriptions of Section 5 (Part 1 and 2 of National Information Systems and Network Security Standards and Guidelines).

This policy together with our Terms of Use as set out at (website) and any additional terms of use applies to your use of:

1. SME Mall mobile application software (App) available on our site OR hosted on the Google Play Store (App Site), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device); and
2. Any of the services accessible through the App (Services) or those available on the App Site or other sites of ours or other third-party Sites (Service Sites).

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By downloading the App, you confirm that you have read, understood and accept the terms of this Policy set out below. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.

We may collect and process the following data about you:

1. Information you give us:
2. This may include information:

• provided by filling in forms in the App or on the App Site (together Our Sites);
• provided by corresponding with us (for example, by e-mail or chat);
• provided by registering to use the App Site, downloading or registering the App, subscribing to any of our Services, searching for an app or Service, sharing data via the App's social media functions, entering a competition, promotion or survey, and reporting a problem with the App, our Services, our App Site or any of Our Service Sites.

3. This information may include your name, address, e-mail address and phone number, the Device's phone number, SIM card details, age, username, password and other registration information, financial and credit information (including your mobile money account details, bank account details, and bank verification number, where applicable), personal description and photograph.
4. Information we collect about you and your device.
5. Each time you visit one of our Sites or use one of our Apps we may automatically collect the following information:

• technical information, including the type of mobile device you use, unique device identifiers (for example, your Device's IMEI or serial number), information about the SIM card used by the Device, mobile network information, your Device’s operating system, the type of browser you use, or your Device’s location and time zone setting (Device Information);
• information stored on your Device, including contact lists, call logs, SMS logs, Facebook friends, contact lists from other social media accounts, photos, videos or other digital content (Content Information);
• data from your use of any other third-party application on the Device or the Service Sites; and
• details of your use of any of our Apps or your visits to any of Our Service Sites; including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).

6. Location information.
7. We may also use GPS technology or other location services to determine your current location. You can withdraw your consent to our collection, processing or use of this information at any time by logging out and uninstalling the App from your Device.
8. Information we receive from other sources.
9. Due to the nature of the Services, which we provide, we are required to work with a number of third parties (including credit reference agencies and mobile network providers) and we may receive information about you from them. We may receive information about you if you use any of the other websites we operate, the other services we provide and or the social media sites which you login to via our site. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, social media sites, advertising networks, analytics providers, search information providers, credit bureaus, and financial services) and may receive information about you from them.
10. Unique application numbers.
11. When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.

We may use mobile tracking technologies and or website cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our Service Sites. By visiting our website, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this Privacy Policy.

We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined. Information collected by us shall be used for the purpose of determining whether or not to provide a particular type of service to the client, the amount to charged and the terms and conditions applicable to such service delivery.