INTRODUCTION 

Quick Microfinance Bank Limited (“Quick MFB”) and Quickmart operate a unified digital platform (“the Super App”) providing digital banking, payments, wallet services, and e-commerce services. (“Quick MFB”, “Quickmart”,“we”, “our”, or “us”) values your privacy and is committed to protecting your personal data in compliance with applicable data protection laws, including the Nigeria Data Protection Act (NDPA) 2023, Central Bank of Nigeria (CBN) Consumer Protection Framework, and where applicable, the General Data Protection Regulation (GDPR). 

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you interact with our digital platforms, products, or services. 

By using our services or accessing our platforms, you consent to the practices described in this Privacy Policy. 

DEFINITION  

Personal Information 

Throughout this Privacy Policy, we use the term "personal data" to describe information that can be associated with a specific person and can be used to identify that person by reference including name, address, phone number, BVN, email, account details, or any other identifier specific to his or her physical, physiological, mental, economic, cultural or social identity. 

We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user. 

Personal Information does not include corporate information that relates to an organization but not to an individual, such as a corporate name, corporate address or general corporate phone number. 

Sensitive Personal Information  

Means Personal Information that reveals race, ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, or that concerns health or sex life.

Information we collect from or about you: 

Personal Information You Provide to us, We collect Personal Information that you provide to us through our Sites, and in connection with other business dealings we may have with you. This includes basic contact information about you, such as your name, company name, title, address, phone number, fax number and email address. It may also include information on the products or services you have shown interest in or purchased from us. 

If you open a Quick Microfinance Bank/Quickmart account, we may collect your contact information such as name, address, phone number, email, etc. Users may also choose to provide us with access to certain personal information stored by third parties such on social media sites (e.g., Facebook and Twitter). The information we may receive varies from site to site and depends on the access granted by the respective sites. By associating a third-party account managed by a third party with your Quick Microfinance Bank account and authorizing Quick Microfinance Bank/Quickmart to have access to this information, you agree that Quick Microfinance Bank/Quickmart may collect, store and use this information in accordance with this Privacy Policy. 

Information obtained through survey responses, telephone conversations, customer enquiries and other P a ge | 5 means may also be collected and used by us. Additionally, for quality and training purposes or for its own protection, Quick Microfinance Bank/Quickmart may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with Quick Microfinance Bank/Quickmart, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning. 

When using Quickmart services, we may collect:  

➢ delivery address 

➢ purchase history 

➢ cart activity 

➢ product preferences 

➢ merchant interaction data 

➢ refund and order dispute information

Usage information we collect 

In addition to Personal Information that you choose to submit to us, whenever you visit or interact with our Sites, we may collect or store information about your interaction with our Sites (“Usage Information”). 

This Usage Information may include: 

➢ your IP address or any other unique identifier assigned to the device that you use to access our Sites;

➢ the functionality and characteristics of your device, including type of browser, operating system and hardware, 

➢ mobile network information and in some cases location information; ➢ the URL that referred you to our Sites, if any; 

➢ your activities on our Sites, such as which web pages you visit, what terms you searched within our Sites and which 

➢ links within our Sites that you click on; and 

➢ and the time of day that you visited our Sites and how long your visit lasted. 

➢ Where required for fraud monitoring, merchant discovery, delivery accuracy, or regulatory compliance, we may collect location information from your device with your consent.

Information We Receive From Third Parties.  

We may receive Personal Information about you from third parties who recommend or suggest that we contact you for business purposes. This includes basic contact information about you, such as your name, company name, title, address, phone number, fax number and email address. It may also include information on the products or services you have shown interest in or may be interested in purchasing from us, as well as information on other companies or individuals with whom you do business. We may also obtain Personal Information about you from third parties in connection with business transactions you initiate with us, such as through credit verification or other processes related to the transaction. 

HOW WE USE INFORMATION  

Business Use 

We use your Personal Information primarily to facilitate our ongoing and proposed business dealings with you (“Business Use”). This includes to: 

1. Process business transactions with us that you initiate
2. Establish and maintain customer accounts so that we may provide products or services requested by you or your company
3. Register you as a user of these products or services so that you may access them through our Sites or otherwise
4. Communicate with you about updates, maintenance, outages or other technical matters concerning these products or services
5. Provide you with training regarding the usage of these products or services;
6. Notify you about changes to any of the policies and procedures for use of these products or services
7. Verify the accuracy of account and technical contact information we have on file for you and your company in relation to these products or services; and 
8. Respond to questions or inquiries that you or your company may have about our products or services.
9. Process merchant payments 
10. Process merchant payments
11. Enable order fulfillment and delivery logistics
12. Manage refunds and dispute resolution
13. Personalize marketplace experience 

We also may use your Personal Information as required for us to comply with laws and regulations relating to the products or services that we provide in any of the jurisdictions in which Quick Microfinance Bank operates.  

Marketing Purpose  

With your consent or as otherwise permitted by applicable law, we may use your Personal Information for purposes relating to the marketing of our products and services, or those of our business partners (“Marketing Purposes”). 

This includes to: 

1. send you newsletters, press releases, event announcements and other similar communications regarding the products or services that we offer; 
2. market or promote our products or services to you, including by offering you trial or limited access to certain of our products or services; 
3. solicit input from you regarding improvement of our products or services; 
4. inform you of third-party offerings that we think you or your company may be interested in which relate to our products or services;
5. send you announcements or requests on behalf of other customers of ours who believe you would benefit from use of our products or services; and
6. other purposes that we disclose to you at the time we obtain your consent. 

USE OF COOKIES  

Cookies are small files placed on your computer's hard drive that enables the website to identify your computer as you view different pages. Cookies play an important role in helping us provide personal, effective and safe Services. We use cookies on our website. We change the cookies periodically as we improve or add to our Services, but we generally use cookies for the following purposes: 

1. To Operate Our Services. Some cookies are essential to the operation of our website and Services. We use those cookies in several ways, including: 
2. Authentication. We use cookies to remember Your login state so You don’t have to login as You navigate through our site and Your dashboard. For example, when You log into any of Quick Microfinance Bank account, we use a cookie so that You don’t have to login again as You navigate throughout the website.
3. Fraud Prevention and Detection. Cookies and similar technologies that we deploy through websites and the Services help us learn things about computers and web browsers used to access the Services. This information helps us monitor for and detect potentially harmful or illegal use of our Services

iii. Site Features and Services. We use cookies to remember how You prefer to use our Services so that You don’t have to reconfigure Your settings each time You log into Your account. 

1. To Analyze and Improve Our Services. Cookies help us understand how to make our website and Services work better for You. Cookies tell us how people reach our website and our Users’ websites and they give us insights into improvements or enhancements we need to make to our website and Services. 
2. SDK . We may also use mobile SDK technologies performing similar functions to cookies within our mobile applications.  

WITH WHOM WE SHARE INFORMATION  

Business Use within Quick Ecosystem (Quick MFB & Quickmart) Personal information may be securely shared between Quick MFB and Quickmart to enable wallet payments, merchant checkout, transaction reconciliation, fraud prevention, lending eligibility assessment, and regulatory compliance obligations.

Such information may be used by Quick Microfinance Bank & Quickmart, its Subsidiaries or Assigns for internal business and operational purposes, as well as for purposes consistent with the purpose for which the information was originally collected or subsequently authorized by you. Outside Quick Microfinance Bank 

We may share your Personal Information with: 

➢ Any organization that supports any of our services you use, when they need it to offer those services. That includes:

➢ Card producers and networks, Credit reference agencies, Analytical Providers, Know Your Customer (KYC) and cyber security service providers. Companies that do advertising for us (but we won’t share identifiable personal data with third parties for their own direct marketing unless you give us permission, and you can opt out any time). 

➢ Logistics and delivery partners supporting Quickmart transactions

➢ Certain authorities that detect and prevent terrorism (including authorities outside the UK if one of your payments is processed through a worldwide payment system). 

➢ Anyone who you give us explicit permission to share it with. 

DATA INTEGRITY  

You are responsible for the accuracy of all Personal Information that you provide to us. We will use reasonable efforts to maintain the accuracy and integrity of your Personal Information, and to update that information as appropriate. We will take reasonable steps to ensure that the Personal Information we collect from you is relevant to its intended use, and that it is used only in ways that are compatible with the purposes for which it was collected or otherwise authorized by you.

Under the Nigeria Data Protection Act (NDPA), you have the right to:  

➢ request access to your personal data 

➢ request correction of inaccurate data 

➢ request deletion where legally permissible 

➢ restrict processing 

➢ withdraw consent 

➢ request portability of your data 

LEGAL PROTECTION AND LAW ENFORCEMENT  

We may access, use, preserve, transfer and disclose to third parties your Personal Information to: 

1. satisfy any applicable law, regulation, subpoena, governmental request, or legal process if in our good faith opinion such is required or permitted by law;
2. protect and/or defend this Privacy Policy or other policies or terms of use applicable to our Sites, including investigations of potential violations thereof; 
3. protect the safety, rights, property or security of Quick Microfinance Bank or any third party; and/or 
4. detect, prevent or otherwise address fraud, security issues or breaches, or technical issues. 

This may include allowing third parties, such as copyright owners, Internet service providers, wireless service providers and/or law enforcement agencies, to access and use your Usage Information to identify you. We may take any of these steps without notice to you to the extent permitted by law. 

We retain personal data only for as long as necessary to fulfil contractual obligations, comply with regulatory requirements, prevent fraud, resolve disputes, and enforce agreements. Financial records may be retained for a minimum period required under Central Bank of Nigeria regulations. 

INFORMATION SECURITY  

We will take reasonable precautions to protect your Personal Information in our possession from loss, misuse, and unauthorized access, disclosure, alteration or destruction. We will make reasonable efforts to keep your Personal Information reliable for its intended use, accurate, current and complete. As necessary, we will take additional precautions regarding the security of particularly sensitive information, such as credit card information. While we strive to secure your Personal Information, we cannot warrant or guarantee that this information will be protected under all circumstances, including those beyond our reasonable control.

CHILDREN’S PRIVACY 

Quick services are not directed at individuals under 18 years except where guardian-approved regulated financial services apply. 

UPDATES TO THE PRIVACY POLICY 

Quick Microfinance Bank reserve the right to update this Privacy Policy at any time, without prior notice, to the extent permitted by applicable laws.