Privacy Policy

Your privacy is critically important to us. This Privacy Policy ("Policy") details how Bizraa Technologies Limited ("Bizraa", "we", "us") collects, uses, and protects your data in compliance with international data protection standards, including the Nigeria Data Protection Regulation (NDPR), the General Data Protection Regulation (GDPR), and other applicable privacy laws globally.

1. Information We Collect

1.1. Personal Information

We collect information that identifies you or your business, including:

• Account Data: Name, email address, phone number, password, and business registration details (e.g., CAC in Nigeria).
• Financial Data: Payment card details (processed securely via PCI-DSS compliant partners), bank account information, and transaction history.
• Verification Data: Government-issued ID (e.g., NIN, Driver's License, or International Passport) for compliance (KYC/AML).

1.2. Usage and Device Data

When you access our Service, we automatically collect:

• Device Information: IP address, device type, operating system, and unique device identifiers.
• Log Data: Information about your interactions, such as pages visited, features used, and timestamps.

2. Legal Basis and Use of Data

We process your data based on Contractual Necessity and Legitimate Interest to:

• Provide, maintain, and improve the Service.
• Process transactions and send related notifications.
• Detect and prevent fraud, abuse, and security incidents.
• Comply with legal obligations (e.g., tax reporting, financial regulations).
• Provide customer support and respond to your inquiries.

3. Data Sharing and Third Parties

We do NOT sell your data.

We may share your data only in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf (e.g., cloud hosting, payment processing) under strict confidentiality agreements.
• Legal Requirements: If required by law, court order, or regulation, or to protect the rights, property, or safety of Bizraa or others.
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition.

4. Data Retention and Security

4.1. Retention

We retain your personal data only as long as necessary. We will retain and use your data to the extent necessary to comply with our legal obligations (for example, keeping financial records for tax purposes), resolve disputes, and enforce our agreements.

4.2. Security

We implement industry-standard technical and organizational measures to protect your data, including encryption in transit (TLS/SSL) and at rest. However, no method of transmission over the Internet is 100% secure.

5. Your Privacy Rights

Depending on your location, you may have rights under data protection laws (such as NDPR or GDPR) to:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your personal data ("Right to be Forgotten"), subject to legal retention obligations.
• Portability: Request transfer of your data to another controller.
• Objection: Object to processing based on legitimate interests or for direct marketing.
• Withdrawal of Consent: Withdraw your consent at any time where we rely on it to process your data.

To exercise these rights, contact our Data Protection Officer at privacy@bizraa.com.

6. Cookie Policy

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. You can instruct your browser to refuse all cookies.

7. International Data Transfers

Your information may be transferred to — and maintained on — computers located outside of your state or country where the data protection laws may differ. We ensure that appropriate safeguards are in place for any international transfer of your data.

8. Contact Data Protection Officer