1. Introduction
PearMonie (“we,” “our,” “us”), owned and operated by PearWheel Nigeria, understands that your privacy is important. We are committed to protecting the confidentiality, integrity, and security of your personally identifiable information in compliance with the Nigeria Data Protection Regulation (NDPR) 2023.
This Privacy Policy explains how we collect, use, store, share, and protect your personal and non-personal data when you use the PearMonie website, mobile application, and related services (“Services”).
By using our Services, you consent to the practices described in the most recent version of this Privacy Policy. You are encouraged to review this Policy regularly.
“You,” “your,” “user,” or “data subject” refers to any individual accessing or using our Services.
2. Personal and Non-Personal Information
2.1 Non-Personal Information
Non-personal information refers to data that does not identify you as an individual. When you visit our website or app, we may automatically collect non-personal information such as:
- Browser type
- Device type
- Pages visited
- Time spent on the website
- General geographic location
- Cookies or other tracking identifiers
Because non-personal information cannot identify you, we may use it for any lawful purpose, including improving user experience, analytics, service optimization, and system security.
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.
2.2 Personal Information
Personal information refers to data that can identify you as an individual. We may collect personal information in the following ways:
- When you complete a form, application, or registration
- When you conduct a transaction on the PearMonie app
- When you contact customer support
- When we verify information to support a transaction (e.g., payment information, identity verification)
Personal information may include:
- Full name
- Address
- Email address
- Phone number
- Date of birth
- Identification documents
- Bank/payment details
Any information you voluntarily provide
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.
3. Use of Cookies and Tracking Technologies
We use cookies, web beacons, and similar technologies to enhance your experience and improve our Services.
Cookies
Cookies help us:
- Recognize you on subsequent visits
- Store your preferences
- Improve site functionality
- Speed up navigation and login
- Personalize content and experience
Cookies cannot run programs or deliver viruses to your device.
Web Beacons
Web beacons (small graphic tags) may collect:
- Browser type
- IP address
- Access time
- User interaction with email or app screens
These help us monitor service usage and improve performance.
You may modify your browser settings to refuse cookies, but this may affect your ability to use some features of the Services.
4. How We Use Your Personal Information
We may use your personal data for purposes including:
- Account creation and management
- Transaction processing
- Identity verification and fraud prevention
- Customer support and communication
- Sending service updates and notifications
- Compliance with regulatory requirements
- Service improvement and personalization
- Analytics and operational insights
5. Data Sharing and Disclosure
5.1 Sharing With Partners and Third Parties
To provide seamless and efficient Services, PearMonie may share your personal data with trusted third-party partners strictly in line with NDPR 2023 and only for legitimate business or operational purposes.
These partners may include:
- Payment processors and financial institutions
- Identity verification services
- Security and audit partners
- Cloud hosting providers
- Customer service tools
- Regulatory authorities (when required by law)
We ensure that all partners adhere to strict data protection standards and sign binding data protection agreements.
5.2 Conditions for Data Sharing
Your data will only be shared when:
- Necessary for service delivery
- Required to comply with legal obligations
- You provide explicit consent
- Required to protect your vital interests
- Necessary for fraud protection and risk mitigation
We will never sell your personal data to any third party.
6. Data Subject Rights (Under NDPR 2023)
As a user of PearMonie, you have the following rights:
6.1 Right to Consent
You have the right to give or withdraw consent at any time.
6.2 Right of Access
You can request access to the personal information we hold about you.
6.3 Right to Rectification
You can request correction of inaccurate or incomplete personal data.
6.4 Right to Erasure (“Right to be Forgotten”)
You may request the deletion of your data where:
- The data is no longer necessary
- You withdraw consent
- Processing is unlawful
6.5 Right to Data Portability
You can request your data in an electronic, machine-readable format.
6.6 Right to Restriction of Processing
You may restrict how we use your data in certain circumstances.
6.7 Right to Object
You can object to processing for:
- Direct marketing
- Profiling
- Legitimate interest-based processing
6.8 Right to Lodge a Complaint
You may file complaints with:
- PearMonie Data Protection Officer (DPO)
- The Nigeria Data Protection Commission (NDPC)
6.9 Right to Withdraw Consent
You can withdraw consent for non-essential processing at any time without affecting service legality.
To exercise any of these rights, contact us at: info@pearmonie.com
7. Data Security and Retention
We implement robust administrative, technical, and physical measures to secure your data from loss, misuse, unauthorized access, disclosure, or alteration.
We retain personal information only for as long as necessary to:
- Provide services
- Meet legal obligations
- Resolve disputes
- Enforce agreements
When data is no longer required, it is securely deleted or anonymized.
8. International Data Transfers
Where data is transferred outside Nigeria, we ensure adequate safeguards are in place in line with NDPR 2023, including:
- Data Transfer Impact Assessments
- Contractual safeguards
- Transfers only to countries with adequate data protection laws
9. Changes to This Privacy Policy
PearMonie may update this Policy periodically. When updated, the effective date will be revised, and users will be notified through the app or website. Continued use of our Services signifies acceptance of the updated Policy.
10. Contact Information
For questions, data rights requests, or complaints, contact:
Email: info@pearmonie.com
Phone: +2348032893982
