Privacy & Terms

Nubi Digital Solutions Limited (“Nubi”, “Company”, “we”, “us” or “our”) provides an online payment platform and Point-of-Sale (PoS) Terminal services, enabling users to make seamless, secure payments both online and at physical retail locations. At Nubi, we prioritize protecting the privacy and security of personal data for our consumers and users. This Privacy and Cookie Policy (“Privacy Policy”) outlines how we collect, use, store, share, and protect personal data from website visitors, Nubi users, and/or vendors (“Data Subjects”) who engage with our services. This policy applies to our website and all related sites, applications, services, and tools (collectively, our “Services”).

Our services primarily support businesses and organizations (“Merchants”). However, we understand that individual consumers may also interact with us through Merchants or website visits. We are committed to responsibly processing all personal data. Typically, we process personal data at the direction of and on behalf of Merchants, acting as a “Data Processor” for them. If you are a customer of a Nubi Merchant, please refer to that Merchant’s Privacy Policy and direct privacy inquiries to them. If you are a Merchant, see our Merchant Privacy Policy.

This Privacy Policy does not cover services not owned or controlled by Nubi, including third-party websites and the services of Nubi’s Merchants. This policy applies solely to Nubi’s internal systems, operations, and processes that handle personal data.

When using our Services, Nubi may offer specific products. By opting into any of our products, you consent to the use of your data for purposes such as service provision and improvement. We may share your data with subprocessors and partners as necessary to deliver the selected service, all in line with the uses and methods described in this Privacy Policy.

1. Information We Collect

The personal data we gather depends on your interactions with us, the services you use, and the choices you make. We may collect information directly from you, automatically from your interactions, from third-party data sources, and from inferred data.

1.1 Personal Data You Provide Directly

We collect the following types of personal data:

•Contact Information: Information such as your name, telephone number, email address, and address.

•Payment Information: If you make a purchase or other financial transaction via Nubi, we collect credit card numbers, financial account information, and other payment details.

•Communications: When you contact us directly with inquiries or support requests, we collect your email address and communication content.

1.2 Personal Data Collected Automatically

•Device Information: Information about the device and software you use, including IP address, browser type, operating system version, and device identifiers.

•Usage Information: Details about your interactions with our Services, including records of transactions and other activities.

•Location Information: General geographic region inferred from your IP address.

1.3 Personal Data from Other Sources

•Partners: Additional personal data from third parties, including financial institutions and payment processors.

•Public Sources: Information from publicly available databases.

2. How We Use Personal Information

We use personal data to:

•Provide required services and related products

•Respond to questions or requests

•Improve services and develop new features

•Prevent fraud and illegal activities

•Send marketing content and updates with your consent

•Verify identities in line with statutory obligations

3. How We Share Personal Data

Nubi does not sell, trade, or rent personal data to third parties. We share personal data only as needed to provide our Services or as described in this Privacy Policy.

– Merchants:

We may share your contact details with Merchants as part of your purchase records. We do not share card information with Merchants.

– Service Providers:

We share data with service providers as necessary, governed by contracts to ensure adequate security measures.

– Financial Services:

For payment processing and fraud prevention, we share data with banks and related financial service providers.

– Legal & Law Enforcement:

We disclose data when legally required or to protect the safety of our users, Nubi, and others.

4. Cookies

Cookies are small files stored on your device when you visit a website. We use cookies to remember your actions and preferences, enhance functionality, and collect certain data (e.g., IP address, browser type).

You can manage cookies through your browser settings. For more information, please see our Cookies Table.

5. Data Protection

Nubi employs robust technical and organizational measures to protect personal data’s integrity and confidentiality. Security safeguards include data encryption, firewalls, and physical access controls. We comply with the Payment Card Industry Data Security Standard (PCI DSS) and encourage users to use two-factor authentication for added security.

6. Storage Limitation

We retain your information:

•As long as necessary to provide our services

•For as long as your account remains active (if applicable)

•To comply with legal and statutory obligations

Under Nigeria’s Money Laundering and Central Bank regulations, we retain records for five to seven years following a transaction’s completion.

7. Transfer of Data

Nubi may rely on third-party servers in foreign jurisdictions for service delivery, which may involve transferring data to these locations.

For any questions about our Privacy and Cookie Policy, please contact our Data Protection Officer at [email protected]