Privacy Policy

PERSONAL AND NON-PERSONAL INFORMATION

Our Privacy Policy identifies how we treat your personal and non-personal information. This Privacy Policy governs the collection, use, and protection of personal information by PearWheel Nigeria, the owner of the Pearmonie app (“Pearmonie”). By using the Pearmonie app, you acknowledge and consent to the following:

WHAT IS NON-PERSONAL INFORMATION AND HOW IS COLLECTED AND USED?

Non-personal information is information that cannot identify you. If you visit this website to read information, such as information about one of our services, we may collect certain non-personal information about you from your computer’s web browser. Because non-personal information cannot identify you or be tied to you in any way, there are no restrictions on the ways that we can use or share non-personal information.

What is personal information and how is it collected?

Personal information is information that identifies you as an individual, such as your name, mailing address, e-mail address, telephone number, and fax number.
We may collect personal information from you in a variety of ways:
• When you send us an application or other form
• When you conduct a transaction with us, our affiliates, or others
• When we collect information about you in support of a transaction, such as credit card information
• In some places on this website/app you have the opportunity to send us personal information about yourself, to elect to receive particular information, to purchase access to one of our products or services, or to participate in an activity.

Information Collection

At Pearmonie , we collect personal information during account creation and verification processes. The types of information we collect include, but are not limited to: bank details, name, government-issued identification (such as driver’s license, national identification number, or international passport), certificate of business registration, and tax ID.

Data Security

Pearmonie implements appropriate security measures to protect user information from unauthorized access, loss, or disclosure.
These measures include but are not limited to:
Encryption of sensitive data
Regular system audits and vulnerability assessments
Access controls and restricted user permissions
Secure data storage and transmission protocols

Data Retention

Pearmonie retains user data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. Inactive accounts for more than 6 months may be subject to data deletion or restricted access.

ARE COOKIES OR OTHER TECHNOLOGIES USED TO COLLECT PERSONAL INFORMATION?

Yes, we may use cookies and related technologies, such as web beacons, to collect information on our website/app. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you register with us, a cookie helps Pearmonie to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Pearmonie website, the information you previously provided can be retrieved, so you can easily use the features that you customized. A web beacon is a small graphic image that allows the party that set the web beacon to monitor and collect certain information about the viewer of the web page, web-based document, or e-mail message, such as the type of browser requesting the web beacon, the IP address of the computer that the web beacon is sent to and the time the web beacon was viewed. Web beacons can be very small and invisible to the user, but, in general, any electronic image viewed as part of a web page or e-mail, including HTML-based content, can act as a web beacon. We may use web beacons to count visitors to the web pages on the website or to monitor how our users navigate the website, and we may include web beacons in e-mail messages to count how many messages sent were actually opened, acted upon, or forwarded.

Third-party vendors also may use cookies on our website. For instance, we may contract with third parties who will use cookies on our website to track and analyze anonymous usage and volume statistical information from our visitors and members. Such information is shared externally only on an anonymous, aggregated basis. These third parties use persistent cookies to help us to improve the visitor experience, manage our site content, and to track visitor behavior. We may also contract with a third party to send emails to our registered [users/members].

To help measure and improve the effectiveness of our e-mail communications, the third party sets cookies. All data collected by this third party on behalf of Pearmonie is used solely by or on behalf of Pearson Andis and shared externally only on an anonymous, aggregated basis. From time to time we may allow third parties to post advertisements on our website, and those third-party advertisements may include a cookie or web beacon served by the third party. This Privacy Policy does not cover the use of information collected from you by third-party ad servers. We do not control cookies in such third-party ads, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad. We will not share your personal information with these companies, but these companies may use information about your visits to this and other websites to provide advertisements on this site and other sites about goods and services that may be of interest to you, and they may share your personal information that you provide to them with others.

You can accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Pearson Websites you visit.

Use of Information

We collect your personal information for the following reasons: to verify your identity, create and provide banking services, and comply with legal and regulatory requirements. Know that we share user data with Providus Bank and other partners under strict service level agreement (SLA) to offer banking services.

We may use the personal information we gather from you to allow access to our website or products/services, respond to your requests, bill you for bought products/services, provide ongoing service and support, contact you with interesting information about our products/services or the products/services of others, and request your opinion. We may also use your information for record-keeping, analytical purposes, research, development, and improvement of our programs, products, services, and content. We may combine the personal information collected online with information from other sources. If we remove your identifiers, you will no longer be identified as a single unique individual. This de-identified information is considered non-personal and will be treated accordingly. Lastly, we may use your personal information to protect our rights or property, someone’s health, safety, welfare, and comply with laws or regulations, court orders, or other legal processes.

DOES PEARMONIE SHARE PERSONAL INFORMATION WITH OTHERS?

Third-Party Service Providers

Pearmonie may engage third-party service providers to assist in the verification process and other aspects of the service. These service providers are bound by contractual agreements to handle personal information in accordance with applicable laws and regulations.

We will not share your personal information collected from this website with an unrelated third party without your permission, except as otherwise provided in this Privacy Policy. In the ordinary course of business, we may share some personal information with companies that we hire to perform services or functions on our behalf. In all cases in which we share your personal information with a third party for the purpose of providing a service to us, we will not authorize them to keep, disclose or use your information with others except for the purpose of providing the services we asked them to provide.
We will not sell, exchange, or publish your personal information, except in conjunction with a corporate sale, merger, dissolution, or acquisition. For some sorts of transactions, in addition to our direct collection of information, our third-party service vendors (such as credit card companies, clearinghouses, and banks) who may provide such services as credit, insurance, and escrow services may collect personal information directly from you to assist you with your transaction. We do not control how these third parties use such information, but we do ask them to disclose how they use your personal information before they collect it.

If you submit a review for a third party (person or business) using our Facebook Fan Review Application, during the submission process we ask your permission to gather your basic information (such as name and email address)which we then share with the third party for whom you are submitting the review. We may be legally compelled to release your personal information in response to a court order, subpoena, search warrant, law, or regulation.

We may cooperate with law enforcement authorities in investigating and prosecuting website visitors who violate our rules or engage in behavior, which is harmful to other visitors (or illegal). We may disclose your personal information to third parties if we feel that the disclosure is necessary to protect our rights or property, protect someone’s health, safety, or welfare, or to comply with a law or regulation, court order, or other legal process. As discussed in the section on cookies and other technologies, from time to time we may allow a third party to serve advertisements on this website.
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If you share information with the advertiser, including by clicking on their ads, this Privacy Policy does not control the advertiser’s use of your personal information, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad.

HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?

We may contact you periodically by email, mail, or telephone to provide information regarding programs, products, services, and content that may be of interest to you. In addition, some of the features on this website allow you to communicate with us using an online form. If your communication requests a response from us, we may send you a response via e-mail. The e-mail response or confirmation may include your personal information. We cannot guarantee that our emails to you will be secure from unauthorized interception.

HOW IS PERSONAL INFORMATION SECURED?

We prioritize the protection of your personal information by implementing established technology and operational security standards that prevent loss, misuse, alteration, or destruction. Only authorized personnel and third-party vendors have access to your information and are obligated to maintain its confidentiality. However, we cannot ensure that unauthorized persons will not gain access to your personal information.

Our website may include links to other sites that offer interesting information. Please note that Pearmonie is not responsible for the privacy practices or content of these websites.

PUBLIC DISCUSSIONS

Welcome to our site where you can participate in public discussions about various business valuation topics. However, please be aware that any information you share in these discussions will be publicly visible, so it’s important not to post sensitive information. Please note that when you disclose information online, it may be collected and used by others, and we cannot be held responsible for any actions or policies of third parties who collect user information from these forums. It’s important to understand that our company does not endorse or refute any information posted on the discussion board. Additionally, please make sure to follow our other published policies when posting on our public forums.

HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?

User Rights

As a user, you have certain rights when it comes to your personal information. This includes the ability to access, correct, and update your information. You can also request that your information be deleted, although there may be legal and regulatory requirements to consider. Additionally, you have the right to restrict the processing of your personal information and withdraw consent for its collection, use, or disclosure. To take any of these actions, please follow the instructions on the website page where you provided the information or contact us at [[email protected]]. You can also unsubscribe from mailing lists or registrations on the website.

CHILDREN’S PRIVACY

Pearmonie will not intentionally collect any personal information (such as a child’s name or email address) from children under the age of 13. If you think that we have collected personal information from a child under the age of 13, please contact us.

CHANGES

Updates to the Privacy Policy

Pearmonie reserves the right to update or modify this Privacy Policy. Users will be notified of any material changes, and continued use of the Pearmonie app after such changes constitutes acceptance of the updated Privacy Policy.

Pearmonie reserves the right to modify this statement at any time. Any changes to this Privacy Policy will be listed in this section, and if such changes are material, a notice will be included on the homepage of the website for a period of time. If you have any questions about privacy at any websites operated by Pearmonie or about our website practices, please contact us at: [email protected]
Pearmonie understands that your privacy is important to you. We are committed to protecting the privacy of your personally identifiable information as you use this website. This Privacy Policy tells you how we protect and use the information that we gather from you. By using this website, you consent to the terms described in the most recent version of this Privacy Policy. You should also read our Terms of Use to understand the general rules about your use of this website, and any additional terms that may apply when you access particular services or materials certain areas of this website. “We,” “our” means Pearmonie and its affiliates.“You,” “your,” visitor,” or “user” means the individual accessing this site.