Privacy Policy

1. Information We Collect

1.1 Information You Provide

• Account information: full name, username, email address, phone number, and password when you register.
• Verification information: information needed to confirm your identity and comply with financial regulations, including your Bank Verification Number (BVN).
• Transaction information: details of airtime, data, bill payment, and other purchases you make, including amounts, timestamps, and the network or service provider involved.
• Payment information: information needed to fund your wallet or complete a transaction, such as card details or bank account information, processed via our payment partner(s).
• Referral and agent/membership information: your referral code, your referral network (who you referred and who referred you), your membership tier, and commission or reward point balances.
• Examination service information: details submitted when purchasing exam registration PINs or checking results, such as exam type and candidate details.
• Communications: information you provide when you contact customer support.

1.2 Information Collected Automatically

• Device information: device model, operating system version, unique device identifiers, and mobile network information.
• Usage information: how you interact with the app, features used, and crash or diagnostic logs.
• Log data: IP address, access times, and app performance data.

1.3 Information from Third Parties

• Information from our payment processing partners confirming transaction status.
• Information from telecom network providers to confirm airtime or data delivery.
• Information from examination bodies to confirm PIN validity or results, where applicable.

2. How We Use Your Information

We use the information we collect to:

• Create and manage your account.
• Process airtime, data, bill payment, and examination service transactions.
• Calculate and pay referral commissions and reward points.
• Verify your identity and prevent fraud.
• Provide customer support.
• Send you transaction confirmations, service updates, and, where you have opted in, promotional messages.
• Maintain the security and integrity of the Platform.
• Comply with legal and regulatory obligations.

3. How We Share Your Information

We do not sell your personal information. We share information only:

• With payment processors and financial partners to complete transactions.
• With telecom operators and service providers such as network providers, electricity distribution companies, and cable TV providers to fulfil the service you purchased.
• With other members of your referral network, limited to what is necessary for the referral and commission system to function. For example, your referrer may see that you joined and generated a commission, but not your private account details.
• With regulators or law enforcement where required by law.
• With service providers who support our operations.
• In connection with a business transfer, such as a merger or acquisition.

4. Data Retention

We retain your information for as long as your account is active and as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements.

5. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

Depending on your location and applicable law, including the Nigeria Data Protection Act 2023, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to our legal and regulatory retention obligations.
• Withdraw consent for optional processing, such as marketing communications.
• Lodge a complaint with the Nigeria Data Protection Commission (NDPC).

To exercise these rights, contact us using the details provided in Section 10.

7. Children's Privacy

LinkedZone is not intended for use by anyone under the age of 18, given the financial nature of the Platform. We do not knowingly collect personal information from minors.

If you believe a minor has provided us with personal information, please contact us so we can remove it.

8. Cookies and Similar Technologies

Our website may use cookies and similar technologies to keep you logged in and understand how the site is used.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the “Last updated” date above.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us.