Application of this Privacy Policy

This Privacy Policy outlines our approach to handling personal data, including that of our Users. It applies to all systems, operations, and processes of Earlywages involving the collection, use, storage, and disclosure of personal information.

Scope

This Privacy Policy pertains to the use of our website at https://www.earlywages.com, and all associated websites and applications owned and operated by us, including applications, online services, sales, marketing, promotional events, and social media activities (collectively referred to as our "Services"). Presently, our Website operates solely in Nigeria and is accessible only to users with Nigerian bank accounts. For our Users, this Privacy Policy forms part of our Terms of Use.

Your use of our Services, whether accessed via desktop, laptop, mobile phone, tablet, or other electronic devices, is subject to this Privacy Policy. This Policy also extends to your offline interactions with Earlywages.

Information You Provide Us

When you interact with us through various channels such as inquiries, account registration, event registrations, social media engagement, competitions, and voluntary submissions, we may collect personal information, including your name, email address, mobile phone number, banking details, and other identifying information ("Personal Information"). By providing your Personal Information, you consent to its collection, use, storage, and disclosure as described in this Privacy Policy. As part of the registration process, we may also ask you to create login credentials for your Earlywages account, such as a username and password. Additionally, when you provide your mobile phone number, we may seek your consent to send text messages related to our Services. Generally, we collect Personal Information through form submissions, correspondence via phone, email, social media, or other means.

We may collect, use, store, and transfer various types of Personal Information, including:

• Identity Information: such as your name, date of birth, and gender.
• Contact Information: including your address, email, and phone numbers.
• Transaction Information: details of your transactions with us.
• Device Information: information about the devices you use to access our Website.
• Profile Information: data related to your account, transactions, interests, and preferences.
• Usage Information: details of your interactions with our Services.
• Marketing and Communications Information: your preferences regarding marketing communications.
• Location Information: your current location provided through GPS technology or other means.

Information From Third Parties

We may receive Personal Information about you from other entities. For instance, we might obtain data from consumer reporting agencies or your employer (if your employer is providing services to Earlywages). Your Personal Information may also be provided by another user in a Next-of-Kin form.

Automatically collected information may include:

• Device Information: such as hardware details, operating system version, and unique identifiers.
• Log Information: records of device activity, including IP addresses, device IDs, system events, and location data.
• Information Collected Through Cookies and Similar Technologies: our use of cookies to enhance user experience and collect usage data.

Cookies are text files or identifiers stored by your browser or associated applications. We utilize cookies for record-keeping and service improvement purposes. You can control cookie settings through your browser's privacy and security options. However, disabling cookies may limit certain features of our Services.

Do-Not-Track Signals

Our Services do not respond to Do Not Track signals from web browsers.

How We Use Information

We utilize Analytics for research and commercial purposes, including Service improvement.

Personal Information is employed for various internal and commercial objectives, such as offering products/services and third-party offerings. We may also use your email address to respond to inquiries and provide information about our Services. You can opt out of receiving promotional emails while still receiving transactional messages.

Your Personal Information may be disclosed:

• To fulfill your requests or transactions.
• With affiliates, service providers, and financial institutions involved in our operations.
• With third parties in response to legal obligations, investigations, or requests.
• In business transactions, such as mergers or acquisitions.
• To protect our rights, safety, or those of others.

We do not sell your Personal Information to third parties for marketing purposes.

Opt-Out Rights

If you wish to stop receiving offers or other notifications from us in the future, you can opt out by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please note that if you are a User, you cannot opt out of receiving communications about your Earlywages account or related transactions with us.

Other Rights to Your Personal Information with Us

In addition to your right to opt out of our processing of Personal Information, you also have the option to exercise any of the following rights with respect to your Personal Information:

Request Correction to Your Personal Information

We respect your desire to correct inaccurate information, so please notify us of any changes to your Personal Information. If you are a User, you can update some of your Personal Information by editing your Earlywages account profile through our Services. Changes to financial details require direct contact with us. If you are not a User, you can contact us as indicated at the end of this Privacy Policy to request changes to the Personal Information we hold about you. Any changes will only affect future uses of your Personal Information, and we may need to verify the accuracy of the new data you provide to us.

Request Access to Your Personal Information

You have the right to inquire whether we are storing your Personal Information and request a copy of that Personal Information. Before sending any Personal Information, we will ask you to provide proof of your identity. Failure to provide proof of your identity may result in us declining to send you any Personal Information. We will respond as quickly as possible to your requests for details of the Personal Information we hold about you.

Request Restrictions on Data Processing

You may object to the processing of your personal data if you feel it infringes on your fundamental rights and freedoms. You also have the right to object to the processing of your personal data for direct marketing purposes. In certain cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request Partial or Complete Erasure of Your Personal Information

You may ask us to delete or remove personal data if there is no good reason for us to continue processing it. You also have the right to request the deletion or removal of your personal data if you have successfully objected to its processing, if we have processed your information unlawfully, or if we are required to erase your personal data to comply with local law. Please note, however, that we may not always be able to comply with your request for erasure due to specific legal reasons, which will be communicated to you, if applicable, at the time of your request.

Object to Automated Decision-Making

You have the right to object to decisions made by automated means that have legal effects on you or significantly affect you. This right is subject to applicable law.

Sharing Information on Social Platforms

Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.

Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.

Security and Storage of Your Personal Information

We have implemented appropriate security measures to prevent your Personal Information from being accidentally lost, accessed, or used in an unauthorized manner by a third party. When your bank account information is transmitted through our Services, it is protected by encryption technology, such as Secure Sockets Layer (SSL). Additionally, we restrict access to your personal data to those employees, employers, agents, contractors, and other third parties who have a business need to know. They will only process your Personal Information on our instructions. We have established procedures to address any suspected personal data breaches and will notify you and any applicable regulator of a breach if legally required to do so.

We and our third-party service providers who receive Personal Information from us are required to have a comprehensive written information security program containing administrative, technical, and physical safeguards for our respective physical facilities and computer systems, databases, and communication networks. These measures are reasonably designed to protect the information contained within such systems from loss, misuse, or alteration.

However, no electronic transmission or storage method is 100%