1. INTRODUCTION
Welcome to Fabex AA Global Limited (“Fabex,” “we,” “our,” or “us”). We are committed to protecting your privacy and ensuring that your personal information is handled securely.
This Privacy Policy outlines how we collect, use, store, and protect your personal data when you use our platform to buy and sell gift cards, vouchers, and pay utility bills through our website, mobile application, or other services (collectively, the “Services”).
By accessing or using our Services, you consent to the collection, use, and disclosure of your personal data as described in this Privacy Policy. If you do not agree, please discontinue the use of our services immediately.
2. INFORMATION WE COLLECT
We may collect the following types of personal and transactional information when you use Fabex:
2.1. Information You Provide Directly
- Personal Identification Details: Full name, date of birth, email address, phone number, and postal address.
- Account Registration Information: Username, password, and verification details.
- Transaction Information: Gift card details, utility bill payment records, and purchase/sale history.
- Payment Details: Bank account details, wallet, or payment card information (processed securely through third-party payment providers).
2.2. Information Collected Automatically
- Device Information: IP address, device type, browser type, operating system, and geolocation data.
- Usage Data: Pages visited, time spent on the platform, clicks, and other interactions.
- Cookies and Tracking Technologies: We use cookies to enhance your experience, analyze traffic, and personalize content.
2.3. Information from Third Parties
We may receive information from:
- Payment processors to confirm transactions.
- Identity verification services to prevent fraud.
- Social media accounts if you link them to Fabex.
3. HOW WE USE YOUR INFORMATION
We use the information collected for the following purposes:
- To Provide Services: Process transactions, verify payments, and deliver services.
- To Improve User Experience: Customize content, improve platform functionality, and enhance security.
- To Prevent Fraud and Security Threats: Detect, investigate, and prevent fraudulent activities.
- To Comply with Legal Obligations: Adhere to Nigerian laws, anti-money laundering (AML) regulations, and other compliance requirements.
- To Communicate with You: Send transaction updates, support responses, promotional offers (if consented), and security alerts.
4. HOW WE SHARE YOUR INFORMATION
Fabex does not sell, rent, or trade your personal information. However, we may share your data with:
4.1. Third-Party Service Providers
We may share information with trusted third parties who assist us in:
- Payment processing.
- Fraud detection and security monitoring.
- Customer support and analytics.
4.2. Legal Compliance and Law Enforcement
We may disclose information if required by:
- Regulatory authorities for compliance with financial and anti-fraud regulations.
- Law enforcement agencies when responding to legal requests, court orders, or subpoenas.
4.3. Business Transfers
In the event of a merger, acquisition, or sale of assets, user data may be transferred as part of the business transaction.
5. DATA SECURITY MEASURES
We implement strict security measures to protect your data, including:
- Encryption of sensitive information (e.g., payment details).
- Two-factor authentication (2FA) for account security.
- Regular security audits and system monitoring.
- Restricted access to personal data on a need-to-know basis.
Despite these efforts, no data transmission over the internet is 100% secure. Users should take precautions, such as using strong passwords and enabling 2FA.
6. YOUR RIGHTS AND CHOICES
Under applicable privacy laws, you have the following rights regarding your personal data:
6.1. Access and Correction
You can access and update your personal information by logging into your account.
6.2. Data Portability
You may request a copy of your personal data in a machine-readable format.
6.3. Right to Deletion
You may request that we delete your personal data, subject to legal and regulatory obligations that require us to retain certain records.
6.4. Opt-Out of Marketing Communications
If you no longer wish to receive promotional emails or messages, you can unsubscribe via your account settings or contact us.
7. COOKIES AND TRACKING TECHNOLOGIES
7.1. What Are Cookies?
Cookies are small text files stored on your device when you visit our platform.
7.2. How We Use Cookies
- Essential Cookies: Required for core functionality.
- Analytical Cookies: Help us track user behavior to improve services.
- Marketing Cookies: Used for personalized ads and promotions.
7.3. Managing Cookies
You can adjust cookie settings through your browser. However, disabling cookies may affect your user experience.
8. DATA RETENTION POLICY
We retain personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy.
- Account Information: Retained as long as the account is active.
- Transaction Records: Retained as required by financial regulations.
- Deleted Accounts: Some information may be retained for legal and fraud prevention reasons.
9. INTERNATIONAL DATA TRANSFERS
If you access our services from outside Nigeria, your data may be transferred and stored in Nigeria or other jurisdictions where our servers are located.
By using Fabex, you consent to such data transfers in compliance with applicable data protection laws.
10. THIRD-PARTY LINKS AND SERVICES
Our platform may contain links to third-party websites or services. We are not responsible for their privacy practices. Users should review their policies before providing personal information.
11. CHILDREN’S PRIVACY
Fabex does not knowingly collect data from individuals under 18 years old. If we become aware that we have collected information from a minor, we will delete it immediately.
12. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. Changes will be communicated via email or posted on our website. Continued use of our services after updates constitutes acceptance of the revised policy.
By using Fabex, you confirm that you have read, understood, and agreed to this Privacy Policy.
Thank you for choosing Fabex – your trusted digital transaction platform!