Privacy Policy

We may receive, use, store, and transfer various types of personal data about you, including the following:

Identity Data: includes [first name, last name, maiden name, username or similar identifier, marital status, title, date of birth, gender].

Contact Data: includes [billing address, delivery address, email address, and telephone numbers].

Financial Data: includes [bank account and payment card details].

Transaction Data: includes [details about your transactions].

Device Data: includes [information on the devices with which you access the platform].

Profile Data: includes [your username and password, picture, transaction history, your interests, preferences, feedback, and survey responses].

Usage Data: includes [details of your use of our services].

Marketing and Communications Data: includes [your preferences in receiving marketing from us and our third parties and your communication preferences].

Location Data: includes [your current location disclosed by GPS technology or any other location data].

We may also collect, use, and share aggregated data such as statistical or demographic data for various purposes. Aggregated data may be derived from your personal data but is not considered personal data, as it will not directly or indirectly reveal your identity. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific Platform feature.

We may receive information about you from other Platforms we operate or services we provide.

When you create an account with us, we may collect information, including non-public personal information, about you from third-party service providers. This is done to verify your identity and assist in fraud prevention, including information such as your prior addresses and names.

We employ the use of cookies on our website. By accessing our platform, you agree to the use of cookies in accordance with our Cookie Policy. Cookies are used to ensure optimal functionality of the website by retrieving user information with each visit. Some of our affiliate partners may also use cookies.

You have the option to set your browser to refuse all or some cookies or to alert you when a platform sets or accesses cookies. Please note that if you disable or refuse cookies, some parts of this platform may become inaccessible or may not function properly.

You may use this platform only as permitted by these terms and conditions and for the purpose for which it is made available. You agree not to use this platform for any other purpose outside of what is intended by us.

In connection with your use of this platform, we may provide you with additional items or services.

We hereby grant you a limited, non-exclusive, non-transferable, and revocable license to use our platform for personal, non-commercial purposes to retrieve, display, and view content on a computer screen.

You agree not to use the content or materials for any purpose that is contrary to the terms of this license.

Any unauthorized use by you shall immediately terminate the permission or license granted to you by this platform.

You agree not to use the service in the following ways:

To harass, abuse, threaten, or otherwise violate the legal rights of others.

To perpetrate fraud or engage in fraudulent activities.

To create or transmit unnecessary spam to any individual or URL.

To post, transmit, or cause to be transmitted, any communication or solicitation designed to obtain passwords, accounts, or private information of other users or individuals.

To post copyrighted content that does not belong to you without the prior consent of the author.

To use robots, spiders, scrapers, or other automated means to access this service without obtaining prior consent from Swita Limited.

To engage in or create any unlawful gambling, sweepstakes, or other schemes.

To publish or distribute obscene, defamatory, or harmful material.

To use the service in any way that impacts user access to the platform.

To engage in advertisement or solicit any user to buy or sell products or services without prior consent from Swita Limited.

To disseminate computer viruses or other harmful software.

To violate any intellectual property rights of Swita Limited or any third party.

To use the platform or any services for illegal spam activities.

Interfere or attempt to interfere with the proper working of this platform.

Bypass any measures we may use to prevent or restrict access to this platform.

Interfere with or circumvent the security features of this service.

Damage, disable, overburden, or impair this service or any other person's use of this service.

Use this service contrary to applicable laws and regulations or in a way that causes, or may cause, harm to this platform, any person, or business entity. We reserve the right to terminate your use of the service for violating any of these prohibited uses.

Reverse engineer, permit reverse engineering, or disassemble any code or software from or on the platform or services.

Violate the security of the platform or other services through unauthorized access, circumvention of encryption or other security tools, data mining, or interference with any host, user, or network.

The information that we collect from you - We may use information held about you in the following ways:

To carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products, and services that you request from us.

To provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about.

To provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data.

To ensure that content from our site is presented in the most effective manner for you and to notify you about changes to our service.

To administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical, and survey purposes.

To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.

To make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.

Information we receive from other sources - We will combine this information with information you give to us and information we collect about you. We will use this information and the combined information for the purposes set out above (depending on the types of information we receive).

You agree that we have the right to share your personal information:

With any of our affiliated companies and service providers.

With financial service providers, including the financial institutions identified in your cardholder bank agreement that provide banking services in connection with your account.

With another user, when you sign up for our services via a referral link. The user that referred you may receive information indicating that you have enrolled with us.

With non-financial companies, such as email service providers that perform marketing services on our behalf, and fraud prevention service providers that use the information to provide services to us.

With a non-affiliated third-party to access and transmit your personal and financial information from a relevant financial institution. You grant the third-party the right, power, and authority to access and transmit this information according to the terms of their privacy policy.

With selected third parties including business partners, suppliers, and sub-contractors for the performance of any contract we enter into with them or you.

With third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets or alternatively, acquire all or parts of their businesses.

In response to a request for information, if we are required by, or we believe disclosure is in accordance with, any applicable law, regulation, or legal process.

With relevant law enforcement officials or other third parties, such as investigators or auditors, if we believe it is appropriate to investigate fraud.

Suspension of Access to Swita Limited

We reserve the right to suspend, restrict, or terminate your access to the Swita platform (in whole or in part) without any notice or liability under the following circumstances:

- Upon receipt of instructions from you to suspend or terminate your access to the platform.

- Upon notification from you that your device has been lost or stolen.

- If we suspect the platform is being used for fraudulent or illegal activities.

- If we believe you have breached any provision in these PrivacyPolicy of Use.

- If we believe continued access to the platform would be detrimental to our business.

- If you provide any information that is untrue, inaccurate, outdated, or incomplete, or if we have reasonable grounds to suspect that such information is false, inaccurate, outdated, or incomplete.

We may share your personal information with other users to complete a transaction. This information may include your name, account identity, contact details, or any additional information required for the transaction.

This platform may contain links to third-party platforms or applications. Please note that we do not control, endorse, or take responsibility for the availability, content, or operations of these third-party platforms or applications. Swita is not liable for any advertisements or content found within such third-party platforms.

When you purchase goods and/or services from a third party, you do so at your own risk. The third-party advertiser, and not us, remains responsible for the goods and services. If you have any concerns or complaints about them, please contact the advertiser directly.

We are not liable for any damages or issues arising from the purchase or use of goods, services, resources, or content in connection with third-party platforms. We recommend reviewing the third-party's policies and practices before engaging in any transaction. Any complaints, claims, or concerns regarding third-party products should be directed to the respective third party.

In these Platform Standard Terms and Conditions, "User Content" refers to any audio, video, text, images, or other material or content you choose to upload or display on this platform. By displaying your content, you grant Swita Limited a non-exclusive, worldwide, irrevocable, royalty-free, sublicensable license to use, reproduce, adapt, publish, translate, and distribute it across any media.

User Content must be your own and must not infringe on the rights of any third party. Swita Limited reserves the right to remove any user content from the platform at any time, without notice.

Swita Limited is permitted to monitor your activities on the platform and remove any content deemed inappropriate, offensive, in violation of applicable laws and regulations, or in breach of these Terms and Conditions.

By uploading content to the platform, you warrant and represent the following:

You have the necessary legal rights, licenses, or consent to upload, input, or publicize the content;

Your content does not infringe upon any intellectual property rights, including copyrights, patents, or trademarks of any third party;

Your content is true, accurate, current, and complete, and pertains to you and not a third party;

Your content does not contain any libelous, defamatory, offensive, immoral, or illegal material, and does not invade anyone's privacy;

Your content will not be used to solicit, promote business, or conduct any commercial or unlawful activities.

You also grant Swita Limited a non-exclusive license to use, reproduce, edit, and authorize others, approved by us, to use, reproduce, and edit any of your content in any form, format, or media.

By using this platform, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and through this platform, satisfy any legal requirements that such communications must be in writing.

We may participate in affiliate marketing and advertising, where we earn a commission on the sale of third-party goods and/or services through our platform. Additionally, we may accept advertising, sponsorships, or other forms of compensation from commercial businesses.

We implement stringent physical, electronic, and administrative security measures to safeguard your information from unauthorized access, unlawful processing, and potential risks or breaches while online. We will retain your data for as long as necessary for the purpose of processing. After that, we will retain your data for as long as required by law.

You have the right to:

- Request access to your personal data (commonly known as a "data subject access request"). This allows you to receive a copy of the personal data we hold about you and confirm that we are processing it lawfully.

- Request correction of any incomplete or inaccurate personal data we hold about you. We may need to verify the accuracy of any new data you provide to us.

- Request the erasure of your personal data. This allows you to ask us to delete or remove personal data where there is no valid reason for us to continue processing it. You also have the right to request erasure if you have successfully objected to processing, if we have processed your information unlawfully, or if we are required to erase it by law. Please note that we may not always be able to comply with your erasure request for specific legal reasons, which we will notify you of, if applicable, at the time of your request.

- Object to the processing of your personal data if we are relying on legitimate interests (or those of a third party), and there is something about your particular situation that makes you want to object to processing on the grounds that it impacts your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may be able to demonstrate compelling legitimate grounds to process your data that override your rights and freedoms.

- Request restriction of the processing of your personal data. This allows you to ask us to suspend processing in the following scenarios:

- If you want us to verify the accuracy of your data.

- If our use of the data is unlawful, but you prefer that we do not erase it.

- If you need us to keep the data, even if we no longer need it, for the purpose of establishing, exercising, or defending legal claims.

- If you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to continue using it.

- Request the transfer of your personal data to you or to a third party. We will provide your data in a structured, commonly used, machine-readable format. This right applies only to automated data that you have provided consent for us to use or that we used to perform a contract with you.

- Withdraw your consent at any time if we are relying on consent to process your personal data. This will not affect the lawfulness of any processing done before you withdrew your consent. Please note that withdrawing consent may prevent us from providing certain products or services to you. We will inform you if this is the case when you withdraw your consent.

The Platform may offer Products or Services for sale. Swita Limited undertakes to provide accurate information regarding the description of the Products and Services.

However, Swita Limited does not guarantee the reliability of any information related to the Products and Services. We reserve the right to refuse the sale of the Services provided on the Platform at our sole discretion.

Please note that there is no refund or replacement policy, as the Services provided are sold "as is."

We reserve the right to file requests for you to remove all links or any specific link created by you that redirects to our Platform. You agree to immediately remove such links to our Platform upon request. We may amend the terms and conditions of these linking rights at any time. By continuing to link to our Platform, you agree to be bound by and follow the terms of this linking policy.

Feel free to contact us if you find any link on our Platform that you deem offensive, and we may consider requests to remove such links. However, we are not obligated to do so or respond to you directly or immediately.

Organizations such as search engines, government agencies, news organizations, and online directories may link to our Platform without prior written approval. We may review other link requests from popular consumer and/or information specialists, charity organizations, internet portals, educational institutions, and trade associations. Any interested organization must inform and contact us for further information regarding our linking policy. However, such linking does not imply endorsement, sponsorship, partnership, or approval by us of any kind.

No use of our logo or other design intellectual property will be allowed for linking, except through a trademark license agreement.

You accept that Swita Limited may vary, alter, amend, or update the Content or Services at any time and without your consent.

We may periodically update this Policy without notifying you. However, we will display a conspicuous notice on this Platform to inform you of any significant changes to our Policy. Please check back frequently to stay informed about any updates or changes to this Policy.

You agree that you use this Platform solely at your own risk, as Swita does not warrant the accuracy of the contents within this Platform.

You assume all risks associated with viewing, reading, or downloading the contents of this Platform. Swita expressly disclaims all express and implied warranties, such as the implied warranty of merchantability. Swita makes no warranties that the Platform or other Services will be accurate, error-free, secure, or uninterrupted.

You are responsible for configuring your information technology and computer programs to access our Platform. We recommend using your own virus protection software.

Swita makes no warranty regarding the suitability, reliability, availability, timeliness, or accuracy of the information, contents, services, and other materials contained within this Platform for any purpose. Swita hereby disclaims all warranties and conditions concerning the information, software, products, and related graphics, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

You also agree that Swita and its affiliates shall not be liable for any direct, indirect, punitive, or consequential damages, including but not limited to damages for loss of use, data, or profits, failure to provide services, or for any information, software, products, services, or related graphics obtained through this Platform, or otherwise arising from the use of this Platform, whether based on contract, negligence, strict liability, or otherwise.

Swita may, from time to time, interrupt your access or use of this Platform for maintenance or emergency services. You agree that Swita shall not be held liable for any damage or loss that may arise as a result.

Our Platform is provided free of charge. However, we do not guarantee that the Platform, or any of its content, will always be available or uninterrupted. Swita may suspend, withdraw, or restrict the availability of all or part of the Platform for business and operational reasons. We will endeavor to provide reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all individuals who access the Platform through your internet connection are aware of these terms of use, along with other applicable terms and conditions, and that they comply with them.

The provisions of these Terms and Conditions shall remain in full force and effect while you use Swita or its services. Users may terminate their use by following the instructions for terminating user accounts in your account settings or by contacting us at support@swita.ng.

Swita reserves the right, in its sole discretion and without notice or liability, to deny access to and use of the Platform (including blocking specific IP addresses) to any user for any reason, including but not limited to the breach of any representation, warranty, or agreement in these Terms or any applicable law or regulation.

We also reserve the right to terminate your use of the Platform, delete your account, and remove any or all of your content if, in our sole discretion, we determine that your use of the Platform or its services is in violation of these Terms and Conditions or any applicable law or regulation. Such action may be taken without prior notice or warning. If we terminate or suspend your account for any reason outlined in this section, you are prohibited from re-registering or creating a new account under your name, a false identity, or the expression of a third party. In addition to terminating or suspending your account, Swita reserves the right to pursue appropriate legal actions, including civil, criminal, and injunctive redress.

Swita reserves the right to terminate your access to this Platform and related services, or any part thereof, at any time, for any reason, and without notice.

If you register with us, you may terminate the Service at any time by providing prior notice to us. Upon doing so, you will no longer be bound by the provisions of these Terms.

Language: All correspondence under this Agreement shall be conducted in English.

Governing Law & Jurisdiction: These Terms and Conditions shall be governed by and construed in accordance with the laws of the country or state where Swita operates. You hereby irrevocably submit to the non-exclusive jurisdiction of the courts located in Abuja, Nigeria, for the resolution of any disputes.

Preservation of Immunities: Nothing in these Terms shall limit or affect the privileges and immunities of Swita, which are specifically reserved.

Assignment: Swita may assign, transfer, or subcontract its rights and/or obligations under this Agreement without prior notification or consent. You, however, shall not assign, transfer, or subcontract any rights or obligations under these Terms. Additionally, no person who is not a party to these Terms shall have the right to enforce any provision of these Terms.

Entire Agreement: These Terms, disclaimers, and any other agreements relating to the use of this Platform constitute the entire agreement between you and Swita and supersede all prior agreements or understandings in relation to the use of the Platform.

Separate Agreements: You may have other legal agreements with us. These agreements are separate from these Terms and are not intended to alter, amend, or replace any provisions of this Agreement.

Applicable Law: These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Variation: Swita reserves the right to revise these Terms at any time. By using the Platform, you are expected to review the Terms regularly to ensure you understand the Terms and Conditions regarding your use of this Platform.

Waiver: Failure to exercise any right or remedy in these Terms shall not operate as a waiver of such right or remedy. The rights and remedies provided herein are cumulative and not exclusive of any other rights or remedies available by law.

Severability: If any Term or Condition is found to be unenforceable or void under applicable law, it shall not affect the enforceability of the remaining provisions. Any unenforceable provision will be severed without affecting the validity or enforceability of the remaining provisions of these Terms and Conditions.

As a condition for using this Platform, you agree to indemnify Swita and its affiliates to the fullest extent against any actions, claims, liabilities, losses, damages, costs, demands, and expenses (including reasonable attorney's fees) arising from your use of this Platform. This includes, without limitation, any claims related to the breach of any provisions of these Terms and Conditions. If you are dissatisfied with any content on this Platform or any part of these Terms and Conditions, you may discontinue using the Platform.

You further agree to indemnify Swita, its employees, agents, and third parties from and against all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorney's fees) arising from your unlawful use of the Platform, violation of any third-party rights, or violation of applicable laws, rules, or regulations.

If you have any complaints, require clarification regarding the use of this Platform or its services, or need further information, please contact us at support@swita.ng.

Full Name of Legal Entity: SWITA LIMITED

Email Address: support@swita.ng