Privacy Policies

This privacy policy (“Policy”) pertains to the Juju website(s) and application(s) (hereinafter referred to as the "Sites") offered by Juju, as well as other products/services provided by Papstra Service Limited. The Policy outlines our data protection practices for our Sites, products, and subscriber-based services (“Services”), detailing the types of personal data we collect, our approach to collecting this data, its utilization, and the processes involved in sharing such data with third parties.

We highly value the trust you bestow upon us and recognize the paramount importance of your privacy. To this end, we adhere to the highest standards to ensure secure transactions and the confidentiality of customer information. Our commitment revolves around safeguarding your personal data (referring to any information you provide us that can identify you) in compliance with the Nigeria Data Protection Regulation 2019 (“NDPR”).

By accessing the Sites (comprising all websites and applications that may be added or removed periodically), you consent to the terms and conditions outlined in this Privacy Policy. If you prefer that your personal data not be processed in accordance with this Policy, kindly refrain from using or accessing the Sites or the Services. Please note that we retain the right, at our discretion, to modify and revise this Policy periodically. We encourage you to review the most recent version of this Policy whenever you visit the Sites.

Personal Data Collection

Personal Data includes any information pertaining to an identified or identifiable individual. This encompasses personal information you provide during registration or any data that can identify or contact you (e.g., email address, company name, password, bank account), and may also include anonymous information linked to you, such as your IP Address.

What we utilize your personal information for:

The aim of collecting your personal data is to ensure a smooth, secure, and enjoyable customer experience for you.

We may utilize your personal data for the following purposes:

Providing the requested Services and offering support to you

Processing transactions and sending transaction-related notifications to relevant parties.

Verifying your identity.

Resolving disputes and addressing issues.

Managing risk, detecting, preventing, and/or addressing fraud or other potentially prohibited or illegal activities.

Identifying and addressing violations of policies or applicable user agreements.

Enhancing our services by analyzing aggregated customer preferences.

Managing and safeguarding our information technology infrastructure.

Contacting you via provided contact details such as telephone number or email address.

Notifying you about activities related to your account, troubleshooting account-related problems, and collecting owed fees.

Monitoring website traffic and usage patterns to enhance site design and layout.

Recording and storing communications made through phone calls, Skype, or website chat functions.

Personalizing your experience on our Sites or in communications/advertising.

Providing customer service, including responding to inquiries and fulfilling information requests.

Sending important service-related information, technical notices, updates, security alerts, support, and administrative messages.

Conducting surveys or questionnaires to gather your opinions.

Undertaking actions that Juju deems necessary or appropriate:

To fulfill legal obligations where processing is necessary for compliance with the law.

To enforce or apply this Policy.

To protect Juju's legitimate interests, privacy, property, or safety, and/or those of a third party, provided that your rights do not supersede those interests.

We may monitor and record communications with you, including emails and phone conversations, for training, quality assurance purposes, and to fulfil general legal and regulatory obligations.

Additional personal data may be sourced from third-party applications and identity verification services, such as your financial institution. Once you engage our services, we securely maintain all records of your transactions and refrain from sharing or disclosing your personal information to third parties without your explicit consent.

Website Visitors

We do not collect information from website visitors. However, we may collect non-personally-identifiable data to facilitate targeted advertisements, monitor and enhance our website and services. This information is also not shared or disclosed to third parties without your consent.

Use by Minors

Our Services are not intended for individuals under the age of 18. We do not knowingly gather personally identifiable information from children under 18. If we become aware that a child under 18 has provided us with personal information, we promptly remove it from our servers. If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us so that we can take appropriate action.

Fraud Prevention

We might process your personal data based on our legitimate interest to prevent fraud and money laundering, ensuring your identity verification for safeguarding our business and meeting applicable legal obligations. This processing also aligns with the contractual terms of the services you've sought. To prevent fraud, we may conduct checks using a fraud prevention database. In case of misinformation or identification of fraudulent activities, information will be shared with the Central Bank of Nigeria and the Economic and Financial Crimes Commission. Moreover, law enforcement agencies may access and utilize this information.

Cookies

Cookies, small text files stored in a computer's web browser memory, aid website providers in understanding user behavior, remembering login details, and storing preferences. Cookies enable our servers to retain your account login details, IP addresses, visit dates, monitor web traffic, and prevent fraudulent activities. You have the option to disable cookies on our website, though this might limit your website experience if permitted by your browser or browser add-on.

Information Security Measures

We retain personal information on our servers only while an account is active. Upon deactivation, your information remains stored on our servers as required by law.

Updates to this Privacy Policy and Notifications

We may periodically update this Privacy Policy to reflect new services, alterations in our Personal Data practices, or relevant laws. The 'Last updated' timestamp atop this Privacy Policy indicates the revision date. Changes become effective upon posting the revised Privacy Policy on our Services. We may notify you about Policy updates or Personal Data disclosures via our website, your Juju Dashboard, your email address, and/or the physical address listed in your Juju account if you are a User.