Qore (hereinafter referred to as Qore) takes its customers’ privacy very seriously. This Privacy Notice stipulates the basis for the collection, use and disclosure of personal data by Qore and its subsidiaries in line with the Nigerian Data Protection Regulation 2019 (NDPR).

Personal Data comprises all the details we hold or collect on our employees, customers, stakeholders, vendors and other interested parties, directly or indirectly and includes any offline or online data that makes a person identifiable such as names, addresses, phone number, passport ID, usernames, passwords, digital footprints, photographs, financial data, assets and liabilities, insurance, savings and investments, health and high-risk information about products and services purchased from us. This data may be received from third parties or collected using our website(s), mobile applications.

With this policy, we ensure USSD code and other digital channels through which we gather, store and handle data are fair, transparent and safeguard individual rights. For the purpose of this Privacy Notice, references to “we” or “us” shall refer to Qore Group and its entities/subsidiaries.

This Privacy Notice should be brought to the attention of any party who is included in your Policy or on whose instruction you are providing us with their personal data. By providing your personal information or the personal information of someone included in your account information, you acknowledge that we may use it only in the ways set out in this Privacy Notice. We may provide you with further notices highlighting certain uses we wish to make of your personal information.

From time to time, we may need to make changes to this privacy notice, for example, as the result of government regulation, new technologies, or other developments in the data protection laws regime generally. You should check the Qore website periodically to view the most up to date privacy notice.

1. Definitions

“Data Controller” means the publisher and owner of the Website and the party also responsible for the collection of data.

“Data Protection Officer” means the party responsible for overseeing data protection strategy and implementation to ensure compliance.

“Content” means any content, writing, images, audio visual content or other information published on this Website.

“Children” means persons under the age of majority in Nigeria (which is 18 years)

‘’Group” means the parent company and/ or the various  subsidiaries of Qore Group

“Legal basis” is the foundation for data processing under the NDPR. It is the specific legal grounds for the processing of data by an organisation.

“Parties” means both You (the user of the Service) and the Data Controller: VP Corporate Services.

“Personal Data” means any personal information collected for you in relation with your use of this service which is capable of identifying you.

“Service” means the Website, which is known as: www.qore.inc including all pages, sub-pages, all blogs, forums and other connected internet content whatsoever.

“Services” means the services offered on the Website.

“Third Parties” means a natural or legal person, public authority, agency or body other than the data subject, controller, processor and persons who, under the direct authority of the controller or processor, are authorized to process personal data.

“You, Yours” means the user of this Website.

2. Introduction

3. Contact

12b Admiralty Way, Lekki, Lagos, Nigeria

The Data Protection Officer is as follows: Qore group and can be contacted as follows:

12B Admiralty Way, Lekki, Lagos, Nigeria

4. The Personal Data We Collect From You

We collect various information to enable us provide good Service to all our users. Depending on how our Service will be used, the different types of Personal Data we collect are as follows:

A. All users: We will collect passive information from all users. These information include cookies, IP address information, location information and certain browser information.

B. Sales and billing information: We may collect Your credit and/or debit card information, which includes Your card number, password, etc, Your billing address, Your contact address and other information required for Your purchases.

5. The Personal Data We Collect As You Use Our Service

6. Privacy of Children

We respect the privacy of children. We do not knowingly collect names, email addresses or any other personally identifiable information from children except where this is required to register them as beneficiaries of our services or products.

7. How do we use your personal information?

(VI) to conduct internal performance analyses of Qore Employees using personal data such as Name, Gender, Address, Phone Number, Marital status, Work Experience, Dependencies.

(VII) We transmit and stores image of your signature to enable the KYC (Know Your Customer) process, in which we verify your identity. This is to ensure that you are the authorized user of the account and helps us prevent fraud.

Legal Basis

Under the Nigeria Data Protection Regulation 2019 and equivalent data protection laws around the world. we need a lawful basis to use and process your personal information.

We have set out below the main reasons why we process your personal information and the applicable circumstances when we will do so:

• Processing is necessary in order for us to provide your banking support services which is based on the legal basis of contract, these include the following:

1. 1. 1. Appzone Core: This provides retail and commercial banks with cloud-based software for running core operations like accounting, deposits, loans, and customer interactions in a fully digital and automated way.
      2. Appzone Cards: This helps to digitise and automate card operations across banks with the objective to reduce cost while delivering speed and convenience to account holders.
      3. Appzone Lend: This automates the entire lending value chain from origination to disbursement and ultimately repayment collection.
      4. Appzone POS: Point of Sale Transactions helps facilitate  technology that allows agents of banks deliver financial services to underbanked individuals in locations where there are no bank branches.
      5. Appzone Switch: This operates a decentralised interbank payment network powered by blockchain and designed to become the payment infrastructure for Africa’s cashless future.

• We may use cloud storage solutions within or outside Nigeria which are chosen to ensure efficiency and improved performance through up to date technology. It is our legitimate interest to do so.
• Nigeria Information Technology Development Agency (NITDA) may require us to retain records of our dealings with you, this will be based on legal obligation.
• To comply with: local or foreign laws, regulations, voluntary codes, directives, judgments or court orders, agreements between any member of Appzone Group and any authority, regulator, or enforcement agency; policies (including the Appzone Group’s policies), good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation and demands or requests of any authority, regulator, tribunal, enforcement agencies [ i.e. the Nigeria Financial Intelligent Unit (“NFIU”) and the Economic and Financial Crime Commission (“EFCC”), or exchange body, this processing activity will be based on a legal obligation.
• Where we need to use your personal information to establish, exercise or defend our legal rights, for example when we are faced with any legal claims or where we want to pursue any legal claims ourselves. This can be based on either our legitimate interest to defend ourselves or terms of our contract with you.
• Where we need to use your personal information for reasons of substantial public interest, such as investigating fraudulent claims and carrying out fraud, credit and anti-money laundering checks, identification checks. We process this sort of information based on legitimate interest to protect ourselves from fraud as well as a legal obligation to implement anti-money laundering safeguards.
• Where we need to communicate with you to resolve complaints or other issues based on our contractual obligations with you.
• Where you have provided your consent to our use of your personal information. We will usually only ask for your consent in relation to processing your sensitive personal information or when providing marketing information to you (including information about other products and services). This will be made clear when you provide your personal information. If we ask for your consent, we will explain why it is necessary.
• Where we have appropriate legitimate business, we need to use your personal information such as maintaining our business records, developing and improving our products and services, sharing data with contracted third parties all whilst ensuring that such business need does not interfere with your rights and freedoms and does not cause you any harm.
• Where we need to use your sensitive personal information such as health data because it is necessary for your vital interests, this being a life or death matter.

8. Who do we share your personal information with?

We might share your personal information with two types of organisations – companies inside the Appzone Group, and other third parties outside the Group. For further details of disclosures, please see below. We won’t share any of your personal information other than for the purposes described in this Privacy Notice. If we share anything outside the Group, it’ll be kept strictly confidential and will only be used for reasons that we’ve described.

8.1 Disclosures within our group

In order to provide our services, your personal information may be shared with other companies in the Appzone Group. Your personal information might be shared for our general business administration, efficiency and accuracy purposes or for the prevention and detection of fraud.

We do not disclose Your Personal Data except for any of the following reasons:

(I) if You have granted us the permission to do so: We will disclose Your Personal Data where we have received Your unequivocal consent and permission to do so. However, such consent may be withdrawn at anytime;

(II) if we are required to do so by an existing law or regulation: We may also disclose and share Your Personal Data for the following reasons:

• • to meet any applicable law, regulation, legal process, or any legal request, such as subpoenas, court orders, requests for administrative or government bodies;
  • to enforce our applicable Terms of Use;
  • to detect, prevent, or address any fraud, security or technical issues;
  • to prosecute or bring any legal action against any user who has violated any law or our Terms of Use.

(III) For any other reason that may be necessary and incidental for the operation of our Website.

8.2. Disclosures to third parties

We also disclose your information to the third parties listed below for the purposes described in this Privacy Notice. This might include:

• Your relatives or, guardians (on your behalf where you are incapacitated or unable) or other people or organisations associated with you or your lawyer
• Where you have named an alternative contact (such as a relative) to speak with us on your behalf. Once you have told us your alternative contact, this person will be able to discuss all aspects of your policy (including claims and cancellation) with us and make changes on your behalf.
• Financial Institutions who are our clients for the provision of both banked and unbanked service provision.
• Agents to facilitate Agent Banking services
• Fraud detection agencies and other third parties who operate and maintain fraud detection registers
• The police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime
• Central Bank of Nigeria
• Our third-party services providers such as IT suppliers, auditors, lawyers, marketing agencies, research specialists, document management providers and tax advisers.
• Customer satisfaction survey providers
• Disclosure of your personal information to a third party outside of the Appzone Group will only be made where the third party has agreed to keep your information strictly confidential and shall only be used for the specific purpose for which we provide it to them.

We may also disclose your personal information to other third parties where:

• We are required or permitted to do so by law or by regulatory bodies such as where there is a court order, statutory obligation.
• We believe that such disclosure is necessary in order to assist in the prevention or detection of any criminal action (including fraud) or is otherwise in the overriding public interest; or
• Exemptions under the data protection legislation allow us to do so.

TRANSFERS OUTSIDE OF NIGERIA 

Some of the recipients and technical solutions set out above may be in other countries outside Nigeria.

Where we make a transfer of your personal information outside of Nigeria, in all cases where personal data is transferred to a country which is deemed not to have the same standards of protection for personal data as Nigeria, Appzone will ensure Appropriate Safeguards have been implemented to ensure that your personal information is protected where standards are not the same or similar to those standards within Nigeria. Such steps may include placing the party we are transferring personal information to under contractual obligations to protect it to adequate standards. Occasionally there may also be some circumstances where we are required to transfer your personal information outside of Nigeria and we shall rely on the basis of processing it for being necessary for the performance of your contract.

9. How long do we keep records for?

We keep your personal information for as long as reasonably necessary to fulfil the relevant purposes set out in this Privacy Notice and in order to comply with our legal and regulatory obligations. The length of time we retain personal information for depends on the purposes for which we collect and use it and/or as required to comply with applicable laws and to establish, exercise or defend our legal rights. Appzone has a Data Retention Policy

10. Storage Of Personal Data

11. Protection Of Personal Data

12. Links To Third-Party Sites Or Services

13. Accessing, Modifying And Deleting Your Personal Data

14. Your Rights

15. Contact Information