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Overview
Muva Networks Ltd (“Muva Networks” “We” “Us”) is a digital payment solution company that eliminates barriers in cross-border transactions by connecting merchants and providing innovative payment solutions. Muva Networks value your trust in us by sharing your information with us. We prioritize your privacy and are dedicated to protecting it. This Privacy Notice outlines and describes the Personal Information we collect about you, as well as your privacy rights regarding why, how, and when we collect, use, store, share, and protect your information across our website, payment platforms (“Platforms”), APIs, Software Applications, (“Apps”), email notifications, and tools regardless of how you use or access them. This Privacy Notice is applicable to the Website, software applications, and payment platforms offered by Muva Networks collectively referred to as Muva Networks “Services.” By signing up or using any of our Services available on the Muva Networks Platform, you accept and agree to the terms stated in this Privacy Notice.
1. Definitions
“Muva Networks”, “we”, “us”, or “our” in this Privacy Notice means Muva Networks Ltd and subsidiaries or affiliates, the entity that is responsible for processing your personal information.
“Account” means a Muva Networks Account.
“Consent” means any freely given, specific, informed, and unambiguous indication of your wishes by which you, through a statement or a clear affirmative action, signify your agreement to the collection and processing of Personal Information relating to you.
“Cookie(s)” is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic number of times you visit, browser type and version, device details, date, and time of visits.
“Data Controller” means Muva Networks, which determines the purpose and means by which your Personal Information are processed and is responsible for the privacy of your Personal Information on the Muva Networks site and mobile application; includes a third-party company which processes your Personal Information on behalf and upon instructions of Muva Networks.
“Data Subject” means an identified or identifiable person (our User).
“Personal Data Processing” means all operations performed on users’ personal data and include collection, use, storage, disclosure, and erasure.
“Personal Information” means information that can be used to identify a living person including name, contact address, email address, password; financial information such as a bank account number, payment card, and bank verification number, taxpayer identification; personal identification information including a government-issued identity card, company identity card, business card. It may also include anonymous information that is linked to you, for example, your internet protocol (IP), log-in information, address, location, device, or transaction data.
“Services” means the services listed on our website, https://www.muvanetworks.com/, and digital wallet, remittance, savings, card, bill payments, and token services.
“Sites” means our Platform used for providing our Services to you including mobile applications, websites, and social media platforms.
“Special Categories of Personal Information” means 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.
“User,” which includes “you” means an individual who uses the Services or accesses the Sites and has agreed to use the end services of Muva Networks.
2. Our Privacy Principles
Muva Networks adheres to the following core principles:
I. To empower you, our user, to be in charge of your personal information and to make your own voluntary choices about your personal data, subject to applicable law and regulations;
II. To keep and secure your personal information by ensuring that appropriate security measures are put in place and your personal information is protected;
III. To be transparent and to educate our users about their personal information, how we collect, for what purpose we collect it, and how we secure it;
IV. To abide by local laws: Muva Networks is a global company with local privacy expertise, and our privacy practices may vary among the countries in which we operate to reflect local practices and legal requirements; and
V. To collect and store personal information on a “need to collect” basis: Muva Networks collects personal information to perform its Services for you. We work to have measures in place to prevent collecting and storing personal data beyond what we need.
3. Personal Information We Collect About You
We may collect, use, process, store, or transfer personal information such as:
I. Identity information including your full name(s), identification documents such as your passport or any government-issued identity card, a photograph (if applicable), date of birth, and any other registration information you may provide to prove you are eligible to use our services. This data is to enable us to verify your identity in order to offer our services to you;
II. Contact information which is needed to reach you, such as your contact address, email address, telephone number, details of the device you use and billing details;
III. Financial information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;
IV. Transactional information relating to a payment when you as a merchant (using one or more of our payment processing services) or as a customer, are using our products or services; and
V. Records of your discussions with us, if we contact you and if you contact us.
We may also collect, store, use, and transfer non-personal information or anonymized data such as statistical or demographic data.
3.1. Special Categories of Personal Information
As a principle, we do not collect any Special Categories of Personal Information. If we do collect Special Categories of Personal Information, we will ensure compliance with applicable laws.
3.2. Third Party Sites
This Privacy Notice applies to Muva Networks Services only. We do not exercise control over the sites displayed or linked from within our various services. These other sites may place their own cookies, plug-ins, or other files on your computer, collect data, or solicit personal information from you. Muva Networks does not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements.
4. How We Collect Your Personal Information and Why We Keep It
The Personal Information we have about you is directly made available to us when you:
I. visit our website;
II. access any of our Services;
III. fill in our online forms; or
IV. contact our customer support team.
Our lawful basis for processing your Personal Information is as follows:
I. Consent: Where you agree to us collecting your Personal Information by using our Services.
II. Contractual obligation: Without your Personal Information, we cannot provide our Services to you.
III. Legal obligation: To ensure we are fully compliant with all applicable Financial legislations such as Anti-Money Laundering and Counter Terrorist Financing Laws, we must collect and store your Personal Information. We protect against fraud by checking your identity with your Personal Information.
5. How We Use Your Personal Information
We may use your Personal Information we collect to:
I. create and manage any accounts you may have with us;
II. verify your identity;
III. provide our services;
IV. respond to your inquiries, complaints, or queries;
V. process your payment transactions (including authorization, clearing, chargebacks and other related dispute resolution activities);
VI. protect against and prevent fraud, unauthorized transactions, claims and other liabilities;
VII. provide, administer, and communicate with you about products, services, offers, programs, and promotions of Muva Networks, financial institutions, merchants and partners;
VIII. ensure security of your Account. For example, we might require you to enable a two-factor (2FA) authentication feature in cases of enabling withdrawals above set limits;
IX. evaluate your interest in employment and contact you regarding possible employment with Muva Networks;
X. evaluate and improve our business, including developing new products and services; XI. establish, exercise, and defend legal rights, where necessary;
XII. use data analytics to improve our Website, products, or Services, and user experiences;
XIII. conduct market research, for example, survey on usage of a particular feature, surveying our Users’ needs and opinions on issues, such as our performance. Unless as otherwise stated in this Privacy Notice, your data for this purpose would be anonymised; and
XIV. serve other purposes for which we provide specific notice at the time of collection.
5.1. Legal Bases for Processing Your Personal Information
You are not obliged to share your Personal Information with Us. However, if you do not share your Personal Information for the purpose of providing our Services, we will not be able to provide the Services to you. To collect, use, and process your Personal Information, we rely on the following legal bases:
I. Providing our Services to You: We process your information to perform our obligations under the contract (Terms and Conditions of Service) you have with us.
II. Legitimate Interests: We use your Personal Information for legitimate business interests when permitted by law. For example, we analyze users’ behavior on the Services to improve them, for direct marketing, and for administrative use, fraud detection, and other legal purposes.
III. Consent: From time to time, we may ask for your consent to use your information for certain specific reasons. You may withdraw your consent at any time by contacting us using the contact information provided at the end of this Privacy Notice.
IV. Performance of a Contract: The processing is necessary for the performance of a contract to which the Data Subject is party or in order to take steps at the request of the Data Subject prior to entering into a contract.
V. Legal Compliance: Processing is necessary for compliance with a legal obligation to which Muva Networks is subject.
VI. Vital Interest: Processing is necessary in order to protect the vital interests of the Data Subject or of another natural person.
VII. Public Interest and Mandate: Processing is necessary for the performance of a task carried out in the public interest or in exercise of official public mandate vested in Muva Networks.
6. Data Security and Retention
6.1. Data Security: The security of your Personal Information is important to Muva Networks and we are committed to protecting it. We maintain administrative, technical, and physical controls designed to protect the Personal Information you provide, or we collect against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse, or modification.
6.2. Security Measures: Other security measures include securing our servers, firewall, data encryption, and granting access only to employees in order to fulfill their job responsibilities.
6.3. Your Personal Responsibility: Where you use a password for your Account, please ensure you do not share this with anyone, and the password is kept confidential at all times.
6.4. Security Not Guaranteed: We are committed to conducting our business in accordance with our data privacy principles to ensure the protection and maintaining the confidentiality of your Personal Information. Transmitting information online is not entirely secure. Whilst we take all reasonable steps to ensure that your Personal Information is secured and well protected, we do not guarantee that all information provided online is secure.
6.5. Data Retention: We will only retain Personal Information on our servers for as long as is reasonably necessary as long as we are providing Services to you. When you close your Account, your information is stored on our servers to the extent necessary to comply with regulatory obligations and for the purpose of fraud monitoring, detection, and prevention. Where we retain your Personal Information, we do so in compliance with limitation periods under the applicable law.
7. When We Disclose Your Personal Information
We may disclose and/or share your information under the following circumstances:
7.1. Service Providers: We may disclose your information with third parties who perform services to you on our behalf, including marketing, customer support, data storage, data analysis and processing, payment processing, and legal services.
7.2. Legal Compliance and Protection: We may disclose your information if we are required to do so by law or believe in good faith that such disclosure is permitted by this Privacy Notice or reasonably necessary or appropriate for any of the following reasons:
I. to comply with legal process;
II. to enforce or apply our Terms of Use and this Privacy Notice, or other contracts with you, including investigation of potential violations thereof;
III. enforce our Code of Conduct and policies contained and incorporated therein; IV. to respond to your requests for customer service; and
V. to protect the rights, property, or personal safety of Muva Networks, our agents and affiliates, our users, and the public. This includes exchanging information with other companies and organizations for fraud protection, spam/malware prevention, and similar purposes.
7.3. Business Transfers: As we continue to develop our business, we may engage in certain business transactions, such as the transfer or sale of our assets. In such transactions, (including in contemplation of such transactions, e.g., due diligence) your information may be disclosed. If any of our assets are sold or transferred to a third party, customer information (including your email address) would likely be one of the transferred business assets.
7.4. Affiliated Companies: We may disclose your information with current or future affiliated companies.
7.5. Consent: We may disclose your information to any third parties based on your consent to do so. Where required by law, and in some other cases where legally permissible, we handle information on the basis of consent. Where we handle your information on the basis of consent, you have the right to withdraw your consent; in accordance with applicable law.
7.6. Aggregate/De-identified Information: We may disclose de-identified and/or aggregated data for any purpose to third parties, including advertisers, promotional partners, and/or others.
7.7. Banks and Financial Institutions: We may share your Personal Information with financial institutions including banks and insurance companies to process your payments and withdrawals.
7.8. Corporate Reorganization: We may share your Personal Information in the case of a transfer of ownership, a merger, divestiture, or other corporate reorganization. We will duly notify you of the sharing of your Personal Information in any of these cases provided it affects the exercise of any of your rights where applicable.
8. Our Legal Basis for Processing Your Personal Data
The laws in some jurisdictions require companies to tell you about the legal ground they rely on to use or disclose information that can be directly linked to or used to identify you. To the extent those laws apply, our legal grounds for processing such information are as follows:
8.1. To Honor Our Contractual Commitments to You: Much of our processing of information is to meet our contractual obligations to provide services to our users.
8.2. Legitimate Interests: In many cases, we handle information on the ground that it furthers our legitimate interests in ways that are not overridden by the interests or fundamental rights and freedoms of the affected individuals, these include:
I. Customer service
II. Marketing, advertising, and fundraising
III. Protecting our users, personnel, and property
IV. Managing user accounts
V. Organizing and running events and programs
VI. Analyzing and improving our business
VII. Managing legal issues
8.2.1. We may also process information for the same legitimate interests of our users and business partners.
8.3. Legal Compliance: We may need to use and disclose information in certain ways to comply with our legal obligations.
8.4. Online Analytics: We may use third-party web analytics services (such as Google Analytics) on our Services to collect and analyze the information discussed above, and to engage in auditing, research, or reporting. The information (including your IP address) collected by various analytics technologies will be disclosed to or collected directly by these service providers, who use the information to evaluate your use of the Services, including by noting the third-party website from which you arrive to our Site, analyzing usage trends, assisting with fraud prevention, and providing certain features to you. To prevent Google Analytics from using your information for analytics, you may install the official Google Analytics Opt-out Browser Add-on.
9. Transfer of Your Personal Information
9.1. Muva Networks may transfer your Personal Information to recipients outside the country in which the Personal Information was originally collected. The data protection regulations of these countries may be different from those of your country. Muva Networks has put adequate measures in place to ensure the security of your Personal Information where it is to be transferred to a country outside Nigeria.
9.2. Transfer of Personal Information outside Nigeria would be in accordance with the provisions of the Nigeria Data Protection Act (NDPA) 2023 and other applicable regulations, which will be on the condition(s) that:
I. The transfer is necessary for the performance of a contract between Muva Networks and the Data Subject or implementation of pre-contractual measures taken at the Data Subject’s request.
II. The transfer is necessary to conclude a contract between Muva Networks and a third party in the interest of the Data Subject.
III. The consent of the Data Subject has been obtained.
IV. The transfer is necessary for reasons of public interest.
V. The transfer is for the establishment, exercise, or defense of legal claims.
VI. The transfer is necessary in order to protect the vital interests of the Data Subjects or other persons, where the Data Subject is physically or legally incapable of giving consent.
VII. Muva Networks will take all necessary steps to ensure that Personal Information is transmitted in a safe and secure manner. Details of the protection given when your Personal Information is transferred outside Nigeria shall be provided to you upon request.
10. Your Rights as a Data Subject
10.1. As a Data Subject, whose Personal Information Muva Networks holds, you are entitled to exercise the rights below:
I. Right to request for and access your Personal Information collected and stored. Where data is held electronically in a structured form, such as in a Database, the Data Subject has a right to receive that data in a common electronic format.
II. Right to information on your personal information collected and stored.
III. Right to objection or request for restriction of processing your Personal Information.
IV. Right to object to automated decision-making.
V. Right to request rectification and modification of Personal Information which Muva Networks keeps.
VI. Right to request for deletion of your data.
VII. Right to request the movement of data from Muva Networks to a third party; this is the right to the portability of data.
VIII. Right to object to, and to request Muva Networks to restrict the processing of your information.
10.2. You may contact us regarding any or all the rights in 10.1 and our Data Protection Officer (DPO) will review your request and carry it out except as restricted by any applicable law or Muva Networks’ statutory obligations. You may decline to provide your Personal Information when it is requested by Muva Networks provided restricted or all the Services may be unavailable to you. You may review your account settings and update your Personal Information directly or by contacting us.
10.3. You have various options to object to the collection and use of your Personal Information through the Services as follows:
I. Email Unsubscribe: You may unsubscribe from our marketing emails at any time by clicking on the “unsubscribe” link at the bottom of each newsletter or by emailing info@muvanetworks.com with your request.
II. Account Preferences: If you have registered for an account with us through our Services, you can update your account information or adjust your email communications preferences by logging into your account and updating your settings.
11. How We Manage Your Personal Information
11.1. Data Sharing
11.1.1. We may share your Personal Information with trusted service providers or business partners in countries other than your country of residence in accordance with applicable laws. By providing us with your Personal Information, you acknowledge such transfer and the storage or use of your Personal Information.
11.1.2. We may transfer your Personal Information in circumstances necessary for the performance of a contract; the implementation of pre-contractual measures undertaken on your behalf in connection with our services that we provide you; for important reasons of public interest; for the establishment, exercise, or defense of legal claims; and to protect your vital interests or those of other persons where you are physically or legally incapable of giving consent.
11.2. Data Security
We have implemented technical, physical, and organizational security measures to protect against the loss, misuse, and/or alteration of your information. These safeguards vary based on the sensitivity of the information that we collect and store. But we cannot and do not guarantee that these measures will prevent every unauthorized attempt to access, use, or disclose your information since despite our efforts, no Internet and/or other electronic transmissions can be completely secure.
11.3. Data Retention
We retain your Personal Information as long as necessary to fulfill the purposes set forth in this Privacy Notice or as long as we are legally required or permitted to do so subject to the relevant requirements under the applicable law or regulations. Information may persist in copies made for backup and business continuity purposes for additional time.
12. Third-Party Links and Services
The Services may contain links to third-party websites (e.g., social media sites like Facebook and Twitter), third-party plug-ins (e.g., the Facebook “like” button and Twitter “follow” button), and other services. If you choose to use these sites or features, you may disclose your information not just to those third parties, but also to their users and the public more generally depending on how their services function. We are not responsible for the content or privacy practices of such third-party websites or services. The collection, use, and disclosure of your information will be subject to the privacy policies of the third-party websites or services, and not this Privacy Notice. We encourage you to read the privacy statements of each and every site you visit.
13. Cookies
13.1. We use a browser feature known as a “cookie” whenever you visit our website. Cookies assign a unique identification to your computer. They’re small data files stored on your computer’s hard drive. We use the information we collect from cookies to:
I. Evaluate the effectiveness and efficiency of our website.
II. Analyse trends and administration of our platform.
III. Know the usability of our site such as which parts of our site are most visited and the challenges our users and visitors may encounter while accessing our Sites, which helps us improve the quality of user experience on the Platform by using the information to deliver better user experiences and easy accessibility.
IV. Ensure security of the platform is not breached, prevent fraud and risk to promote the general safety of our website.
13.2. You can freely control our cookies on your web browser settings. Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website.
14. Children
Please note that our Services are available to everyone regardless. We process data of every user on our website. However, age restrictions may apply based on the jurisdiction of the user. You must take note of the applicable age restriction in your jurisdiction before you use our Services.
15. Updates to our Privacy Notice
We may change, amend, or review this Privacy Notice from time to time to reflect new services or changes in our Privacy Notice and place any updates on this page. All changes made will be posted on this page and where changes will materially affect you, we will notify you of this change by placing a notice online or via mail. If you keep using our Services, you consent to all amendments of this Privacy Notice.
16. Fraud Disclaimer
Kindly note that Muva Networks is in no way associated with any party or entities who claim to be customer support agents that provide customer support services via phone or social media promising to help solve your transaction issues encountered on our Platform. Beware that the only customer support is available on the Muva Networks website and is free of any form of charge. If you suspect a fraud or scam which impersonates Muva Networks, please contact us via email: info@muvanetworks.com.
17. Contact Us
Muva Networks’ DPO oversees data protection and privacy compliance. We will treat all communications with us accordingly based on our Privacy Notice as well as the applicable data protection laws and regulations. If we require additional details, we may contact you. All access requests, questions, comments, complaints, and other requests regarding our privacy practices should be sent to info@muvanetworks.com.