Effective date: 2021-08-30
Welcome to 9 Payment Service Bank Limited (9PSB).
9 Payment Service Bank Limited (9PSB) (“us”, “we”, or “our”) operates https://9psb.com.ng (hereinafter referred to as “Service”).
2.1 SERVICE means the https://9psb.com.ng website operated by 9 Payment Service Bank Limited (9PSB).
2.2 PERSONAL DATA means data or information about an identifiable natural person (“Data Subject”) in our possession or likely to come into our possession.
2.3 USAGE DATA is data collected, automatically, either generated by the use of our Service or from our Service infrastructure itself (for example, the duration of a page visit).
2.4 COOKIES are small files stored on your device (computer or mobile device), which we utilize for gathering information about your usage of our Services in order to serve you better.
2.6 DATA PROCESSORS (OR SERVICE PROVIDERS) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various service providers in order to process your data more effectively.
2.7 DATA SUBJECT is any individual person who is the subject of Personal Data.
2.8 THE USER is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.
3. Information Collection and Use
We collect several different types of information for various uses but, centrally, for the purpose of providing our Service to you and positioning to offer enhancements and improvements to our Service.
4. Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
4.1 Email address
4.2 First name and last name
4.3 Phone number
4.4 Address, Country, State, Province, ZIP/Postal code, City
4.5 Cookies and Usage Data
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link.
5. Usage Data
5.1 We may also collect information that your browser sends whenever you visit our Service or when you access Service by or through any device (“Usage Data”).
5.2 This Usage Data may include information such as your computer’s Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
5.3 When you access our Service with a device, this Usage Data may include information such as the type of device you use, your device unique ID, the IP address of your device, your device operating system, the type of Internet browser you use, unique device identifiers and other diagnostic data.
6. Location Data
We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.You can enable or disable location services when you use our Service at any time by way of your device settings.
7. Tracking Cookies Data
7.2 You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
7.3 Examples of Cookies we use:
7.3.1 Session Cookies: We use Session Cookies to operate our Service.
7.3.2 Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
7.3.3 Security Cookies: We use Security Cookies for security purposes.
7.3.4 Advertising Cookies: Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.
8. Other Data
While using our Service, we may also collect the following information: sex, age, date of birth, place of birth, passport details, citizenship, registration at place of residence and actual address, telephone number (work, mobile), details of documents on education, qualification, professional training, employment agreements, information on bonuses and compensation, information on marital status, family members, social security (or other taxpayer identification) number, office location and other data.
9. Use of Personal Data
9 Payment Service Bank Limited (9PSB) uses the collected data for various purposes:
9.1. to provide and maintain our Service;
9.2. to notify you about changes to our Service;
9.3. to allow you to participate in interactive features of our Service when you choose to do so;
9.4. to provide customer support;
9.5. to gather analysis or valuable information so that we can improve our Service;
9.6. to monitor the usage of our Service;
9.7. to detect, prevent and address technical issues;
9.8. to fulfil any other purpose for which you provide it;
9.9. to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
9.10. to provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.;
9.11. to provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information;
9.12. in any other way we may describe when you provide the information;
9.13. for any other purpose with your consent.
10. Retention of Data
We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
11. Transfer of Data
11.1 Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
11.2 If you are located outside Nigeria and choose to provide information to us, please note that we transfer the data, including Personal Data, to Nigeria and process it there.
12. Disclosure of Data
We may disclose personal information that we collect, or you provide in one or more of the following instances:
12.1. Disclosure for Law Enforcement.
Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities.
12.2 Business Transaction.
If we or our subsidiaries are involved in a merger, acquisition or asset sale, your Personal Data may be transferred.
12.3 Other Cases
We may disclose your information also:
12.3.1 to our subsidiaries and affiliates;
12.3.2 to contractors, service providers, and other third parties we use to support our
12.3.3 to fulfill the purpose for which you provide it;
12.3.4 for the purpose of including your company’s logo on our website;
12.3.5 for any other purpose disclosed by us when you provide the information;
12.3.6 with your consent in any other case;
12.3.7 if we believe disclosure is necessary or appropriate to protect the rights, property, or
safety of 9PSB, our customers, or others.
13. Security of Data
The security of your data is important to us but remember that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
14. Your Data Protection Rights Under General Data Protection Regulation (GDPR)
14.1 We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.
14.2 If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please email us at firstname.lastname@example.org.
14.3 In certain circumstances, you have the following data protection rights:
14.3.1 the right to access, update or to delete the information we have on you;
14.3.2 the right of rectification i.e., you have the right to have your information rectified if
that information is inaccurate or incomplete;
14.3.3 the right to object i.e., you have the right to object to our processing of your Personal
14.3.4 the right of restriction i.e., you have the right to request that we restrict the
processing of your personal information;
14.3.5 the right to data portability i.e., you have the right to be provided with a copy of your
Personal Data in a structured, machine-readable and commonly used format;
14.3.6 the right to withdraw consent i.e., you also have the right to withdraw your consent
at any time where we rely on your consent to process your personal information;
Please note that we may ask you to verify your identity before responding to such requests. Please note, we may not be able to provide Service without some necessary data.
You have the right to complain to the National Information Technology Development Agency (NITDA) or any other statutory body or establishment having the mandate of the Federal Republic of Nigeria to deal solely or partly with matters relating to Personal Data and timelines for so doing may be stipulated by such body;
16. Your Data Protection Rights under the Nigeria Data Protection Regulation (NDPR)
16.1 Users can visit our site anonymously;
16.4 Users are able to change their personal information by emailing us
16.5 Our Policy on “Do Not Track” Signals:
We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place. Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
16.6 Every Personal Data will be collected and processed in accordance with specific, legitimate and lawful purpose consented to by the Data Subject;
16.7 Every Personal Data shall be secured as far as is possible against foreseeable hazards and breaches including theft, viral attack, cyberattack or exposure to natural elements.
16.8 Every Data Subject may object to the processing of his/her Personal Data and the mechanism for communicating that objection is available on the website.
17. Service Providers
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose to observe the same standards that we apply in handling your Personal Data.
We may use third-party Service Providers to monitor and analyze the use of our Service.
19. CI/CD tools
We may use third-party Service Providers to automate the development process of our Service.
20. Behavioral Remarketing
We may provide paid products and/or services within Service. In that case, we use third-party services for payment processing (e.g. payment processors).
22. Links to Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
23. Information Security Policy
9 Payment Service Bank is committed to understanding and effectively managing risks related to Information Security to provide greater assurance and confidence for our employees, customers, suppliers, and the communities in which we operate. Finding the appropriate balance between information security risk and business benefit fit promotes business performance and minimizes potential future exposures.
The objectives of Information Security at 9 Payment Service Bank are itemized below:
- Reduce or avoid information security breaches and related loss.
- Ensure Compliance with 9PSB Contractual, Regulatory, and Legal requirements and reduce information security-related regulatory sanctions/penalties.
- Ensure Information collected, held, and used by the organization is appropriately protected and available in line with business requirements.
- Improve information security culture and consciousness in the organization.
25. Contact Us