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RECON PRIVACY POLICY

The Recon App is a product of Recon Labs Limited, a limited liability company incorporated in Nigeria. The Recon app enables users to send and receive local payment, while also paying for utility bills.

Recon Labs Limited and its related companies (together, "Recon Labs") highly value your trust in sharing information with us. We prioritise the privacy of our users and are dedicated to safeguarding it. This Privacy Policy provides a summary of how we collect, use, and share your personal data through our website, APIs, applications, email notifications, and tools.

At Recon Labs Limited, we take the privacy of your information seriously. It's important to carefully read and understand this Policy, which applies when using our website and any of our services. As a customer, you agree to this Policy when you sign up for, access, or use our products, services, content, features, technologies, or functions on our website and all associated sites, applications, and services.

This Policy outlines how we use personal information within the company. We have established controls to maintain the confidentiality of your data and prioritize your privacy.

This policy is meant to guide how users can use the site. Users have the right to use their data protection rights as outlined in the Customer Rights section.

Overview

This privacy policy explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy. This privacy policy has been compiled to better serve those who are concerned with how their 'Personal Data’ is being used on www.recon.africa(the website or the Recon app. (the mobile app).

Account: Refers to a Recon app account, a product by Recon Labs Limited.

Cookies: A cookie is a small file that is sent to your computer or mobile device. It helps us remember your account login, IP addresses, web traffic frequency, browser type and version, device details, and date and time of visits.

Recon Labs: Recon Labs means "Recon Labs Limited" and its subsidiaries or affiliates.

Personal Information: Any information that can identify a person, including email address, company name, password, payment card, financial details (such as bank account number), government-issued ID, taxpayer identification, and may include anonymous information linked to you, like your IP, login details, address, location, device, or transaction data.

Sites: Refers to any platform, including but not limited to mobile apps, websites, and social media platforms.

User: An individual using the services or accessing the sites and agreeing to use Recon Labs' end services.

Special Categories of Personal Information: Details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data.

Objective

This policy statement aims to explain to our customers, whose personal data we hold, the types of personal information we collect, the reasons for collecting it, the parties with whom we may share it, and the measures we take to protect the data's security.

Personal Information We May Collect About You

We may collect, use, process, store, or transfer personal information such as:

Identity Data: Information like your full name, government-issued identity number, and date of birth. This helps us verify your identity to provide our services.

Contact Details: Information needed to communicate with you, such as your address, email, phone number, device details, and billing information.

Identification Documents: Documents like your passport or government-issued ID, a photo (if applicable), and any registration info you provide to confirm your eligibility to use our services.

Transactional Data: Information related to payments as a merchant or customer using our products or services.

Financial Data: Information like personal account number, merchant details, transaction date, and total amount when using our payment processing services.

Marketing and Communications Data: Records of your decision to subscribe or unsubscribe from marketing materials from us or third parties.

Technical Data: When you use Recon app services, our servers automatically record browser information, clicked links, time spent on pages, unique device identifier, login details, location, and other device details.

Records of your discussions with us, at any point of contact, be it from us or from you.

We may also collect, store, use, and transfer non-personal or anonymized data like statistical or demographic data.

This Privacy Policy applies to Recon app services only. We don't control sites linked from our services. These sites may use cookies or collect data. We don't control them and are not responsible for their privacy statements. Please check their privacy statements.

Info We Might Collect About You

We'll gather, use, handle, keep, or move personal info, such as:

  1. Details You Share:
  2. Data you share with us when signing up for Recon app services, like your name, username and email. other Info you share as you keep using our services, participate in chats, competitions, surveys, or report issues. This might include your name, address, email, phone number, financial details (debit card, credit card, or bank account), payment reasons, location, national identity number, personal description, and photo.

  3. Large Transactions? More Info:
  4. If you're making sizable transactions, we might need extra business or ID details from you in order to comply with anti-money laundering under applicable laws.

  5. Sharing Others'Data:
  6. When you share the personal data of someone else (besides yourself) who might receive payments through the Recon app as part of your use of our services, you confirm that you have their permission to share their information with us. Also note that when you give Recon access to your contact list, we do not share this information with third parties, however this information is used to facilitate your earning of Recoin(our recon point system) during referral contests or completion of gamified tasks. Additionally, you affirm that they consent to our collection, use, and disclosure of their personal data for the purposes outlined in this Privacy Policy. Your cooperation ensures transparency and compliance.

Information We Collect About You

When you use Recon app Services, we may collect various information, which may include personal details:

  1. Transaction Details:
  2. Information about the transactions you make using our services, including the location from which the transaction occurs.

  3. Technical Information:
  4. Technical details like your IP address, login information, browser type and version, time zone settings, and operating system.

  5. Website or App Interaction:
  6. Data about your visit, including URLs, clickstream details, viewed or searched products, page response times, errors, length of visits, page interactions (scrolling, clicks, and mouse-overs), and methods used to navigate away from the page.

  7. Financial Data:
  8. Information such as personal account numbers, merchant details, transaction date, and total transaction amount provided by financial institutions or merchants when we act on their behalf.

  9. Transactional Data:
  10. Information related to payments, whether you're a merchant using our payment processing services or a customer using our products or services.

  11. Information from Various Sources:
  12. Details we receive from other websites or services we offer, including information from banks, business partners, and social media networks if you log in using those accounts.

  13. Contact List:
  14. To offer you the best possible experience, including participation in exciting referral contests to earn Recoins (our in-app points system), Recon humbly requests your consent to access your contact list. This access is solely for facilitating the referral process tied to your profile and will never be shared with any third party. Your privacy is paramount to us, and we assure you that your contact information will only be used for the "Refer-to-Earn" contest exclusively within the Recon platform.We also request for this access to enable you to seamlessly purchase airtime and data for your contacts without having to manually type out the phone numbers.

  15. Children's Information:
  16. Our services are intended for adults aged 18 and over, and we don't knowingly collect information from children. We have measures in place to prevent such data collection, and any inadvertently collected information from a child without parental consent will be promptly deleted.

How We Obtain and Use Your Personal Information

We get your personal information when you:

  1. Sign up for a Recon app Account;
  2. Use any of our services;
  3. Fill out our online forms;
  4. Reach out to us directly.
  5. Sign up for a Recon app Account;

The reasons we have and use your personal information are:

  1. Your Consent:
  2. When you agree to us collecting your personal information by using Recon app Services.

  3. .Contractual Obligation:
  4. We need your personal information to provide our services to you. Without it, we can't deliver what you need.

  5. Legal Obligation:
  6. To comply with financial laws like Anti-Money Laundering and Counter-Terrorist Financing Laws, we must collect and store your personal information. This also helps us prevent fraud by verifying your identity with the information you provide.

How We Obtain and Use Your Personal Information

The personal information we collect may be used to:

Data Security and Retention

Your personal information's security is a priority at Recon app. We have strong internal, technical, and physical safeguards to keep your data safe. This includes secure servers, firewalls, data encryption, and access restricted to authorised employees. It's crucial for you to keep your account passwords secure too.

The data we collect from you might be transferred to our third partner such as Safe Haven or Providus. It could be accessed by staff working for us or our partners. By providing your personal information, you agree to this transfer, storage, or processing. We take steps to ensure your data is treated securely and follows this Privacy Policy.

We'll only keep your personal information on our servers for as long as needed while providing services to you. When you close your account, we store your information on our servers as required by regulations and for fraud monitoring. If we retain your data, we do so following the time limits set by applicable law.

Electronic Fund Transfers (EFTs) and Account Balances

Recon Labs Limited partners with Providus bank, a banking services provider (member FDIC), and Safe Haven Microfinance Bank, a banking services provider (member FDIC), to offer electronic fund transfers (EFTs). When you create a Recon app account and link a bank account or start an EFT, you're allowing us to share your identity and banking details with Providus Bank and Safe Haven Bank to support your account. By doing this, you also agree to Providus’s privacy policy ( https://www.providusbank.com/privacy-policy ), and Safe Haven MFB’s privacy policy ( https://safehavenmfb.com/privacy-policy ), collectively called the "Partner Terms."

Ensuring the accuracy and completeness of the data you provide is your responsibility, as it's crucial for our partners to process EFTs on your behalf. The Partner Terms may change, and the versions in effect are part of this Privacy Policy. If a term is not defined here but is in the Partner Terms, it carries the meaning from the Partner Terms. It's essential for you to read and understand the Partner Terms as they contain conditions regarding your Recon app account, including the use of your personal information.

Disclosing Your Personal Information with Third Parties

We may share your personal information with third parties, including our affiliates, employees, officers, service providers, agents, suppliers, and subcontractors, as reasonably necessary for the purposes outlined in this policy.

Consent:

We only share personal information with your consent. We ask for your explicit agreement before sharing any personal information. This includes sharing with third parties authorised by you, like when you permit a third-party app provider to access your Recon app account. The third party's use of your personal information is governed by their privacy policy, and Recon Labs holds no responsibility for any breaches resulting from your authorization.

Cookies:

We use cookies to distinguish you from other users and enhance our services. Some browsers automatically accept cookies, while others can be adjusted to decline them or alert you when a website wants to place a cookie on your device. If you choose to disable cookies, it might impact your ability to use our website. For detailed information on cookies and how we use them, please refer to our Cookie Policy.

Changes to Our Privacy Policy

To stay compliant with laws and best practices, we might update, amend, or review this Privacy Policy periodically. Any changes will be posted on this page. If the changes significantly impact you, we'll notify you online or through mail. By continuing to use our Services, you agree to these amendments.

Contact Us

For any comments, questions, access requests, complaints, or other privacy-related matters, please reach out to us at support@recon.africa. If you have complaints, we may ask for more details and keep records of your requests and their resolution.

This privacy policy was last updated in November 2023.

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