Privacy Policy

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1. About this Privacy Policy and Cookie Notice

BudPay is product of Bud Infrastructure Limited and we leverage on technology to develop digital infrastructure to drive payments and commerce across the globe. These terms and conditions of use (“Terms of Use”) contained herein constitutes a legal and binding agreement between you, as a prospective customer of BudPay (“BudPay”, “we”, “our” or “us”). These Terms shall govern your access to and use of our services which include all pages within our website, mobile applications and other products and services (collectively referred to as the “Services”). By using BudPay Services, you expressly accept all terms and conditions contained herein in full and without limitation or qualification, including our Privacy Policy. These Terms also highlight certain risks on using our services and you must consider such risks carefully as you will be bound by the provision of this Agreement through your use of this website or any of our services. We therefore oblige you to thoroughly read these Terms carefully before agreeing to be bound by them. You must not use any of the Services if you have any objection to any of these Terms. These Terms of Use is consolidated to create a binding legal Agreement between BudPay Merchants and other users of our services as applicable. Where a Merchant has negotiated and executed a Payment Service Agreement before or after accepting these Terms of Use, the executed Agreement takes precedence over these Terms.

2. The Data We Collect About You?

2. The Data We Collect About You? We collect your personal data in order to provide and continually improve our products and services. This depends on the services you access/use under the BudPay Services, We may collect, use, store and transfer the following different kinds of personal data about you:

1: Information you provide to us: We receive and store the information you provide to us including your identity data, contact data, delivery address and financial data.

2: Information on your use of BudPay Services: We automatically collect and store certain types of information regarding your use of Budpay Services including information about your searches, IP Address, device identifiers, etc.

3: Information from third parties and publicly available sources: We may receive information about you from third parties and other identification/verification services such as your financial institution and payment processor.

3. Cookies and How We Use Them

Cookies allow us to distinguish you from other users of our services. This helps us to provide you with an enhanced user experience. For example, we use cookies for the following purposes:

1: Recognising and counting the number of users and how these user move around the site.

2: Identifying your preferences

3: Sending you newsletters and commercial/advertising messages tailored to your interests.

Our approved third parties may also set cookies when you use our services. Third parties include search engines, providers of measurement and analytics services, social media networks and advertising companies.

4. How We Use Your Personal Data

We use your personal data to operate, provide, develop and improve the products and services that we offer, including the following:

1: Registering you as a new User/Merchant

2: Provide our BudPay Services to you

3: Managing your relationship with us.

4: Enabling you to participate in promotions, competitions and surveys.

5: Improving our website, applications, products and services

6: Recommending/advertising products or services which may be of interest to you.

7: Complying with our legal obligations, including verifying your identity where necessary.

8: Detecting fraud.

Lawful basis we rely on for processing your personal data include:

1: Your consent has been given for using our Services

2: Processing your information is required for us to deliver our BudPay Services to you in accordance with our Terms of Use and this Privacy Policy.

3: Processing your information is required to enable us remain compliant with applicable Law and Regulatory Requirements.

5. How We Share Your Personal Data

We may need to share your personal data with third parties for the following purposes:

1: Provision of BudPay Services: In order process your transactions, we may be required to provide your personal data to third parties. We may share your contact information with merchants as part of your purchase details for record purposes.

2: Working with third party service providers: We engage third parties to perform certain functions on our behalf. Examples include analyzing data, providing marketing assistance, processing payments, transmitting content, assessing and managing risk, and providing customer service.

3: Business transfers: As we continue to develop our business, we might sell or buy other businesses or services. In such transactions, customer information may be transferred together with other business assets.

4: Detecting fraud and abuse: We release account and other personal data to other companies and organizations for fraud protection and credit risk reduction, and to comply with any applicable law. When we share your personal data with third parties, we:

1: require them to agree to use your data in accordance with the terms of this Privacy and Cookie Notice, our Privacy Policy and in accordance with the law; and

2: only permit them to process your personal data for specified purposes and in accordance with our instructions. We do not allow our third-party service providers to use your personal data for purposes other than those contained in this Policy not for their personal use.

6. International Transfers

We may transfer your personal data to locations in another country, if this is permissible pursuant to applicable laws in your location. There are however, inherent risks in such transfers. In the event of international transfers of your personal data, we shall put in place measures necessary to protect your data, and we shall continue to respect your legal rights pursuant to the terms of this Privacy and Cookie Notice and applicable laws in your location.

7. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised manner, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so In compliance with the Payment Card Industry Data Security Standard (PCI DSS Requirements”), we implement access control measures, security protocols and standards including the use of encryption and firewall technologies to ensure your card information is safe and secure in our servers, additionally, we implement periodical security updates to ensure that our security infrastructures are in compliance with reasonable industry standards We have also appointed Data Protection Officers to ensure compliance with the Nigerian Data Protection Regulation (NDPR).

8. Your Legal Rights

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us. Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to access, correct or erase your personal data, object to or restrict processing of your personal data, and unsubscribe from our emails and newsletters.

9. Changes and Updates to this Privacy policy

This Privacy Policy may be subject to modifications and amendments as the need arises. All amended versions will be posted on our website and all other platforms therefore, you are encouraged to review this policy periodically to be up to date on any changes. Updated policies take effect from the date they are posted and by continuing to use our BudPay Services, you expressly consent to any amendments of this Privacy Policy.

10. Changes and Updates to this Privacy policy

If you are looking for more information on how we process your personal data, or you wish to exercise your legal rights in respect of your personal data, please contact us at info@bud.africa