3kle Privacy Policy
Version 1.0 * September 2023
3kle Privacy Policy
Effective Date: September 1, 2023
This Privacy Policy sets forth how personal information is collected and used, which is provided on the internet website located at www.3kle.com (the “Site”) and our mobile application. Unless otherwise indicated, this Privacy Policy only applies to personal information collected through 3kle. By using 3kle, you agree to be bound by this Privacy Policy and our Terms of Use, as they may be amended from time to time in the future ( see “Change to this Privacy Policy” below). 3kle is committed to maintaining the confidentiality, integrity and security of any personal information about our users. This Privacy Policy explains how we protect the personal information provided through 3kle and how we use that information in connection with our service offered through 3kl (the “Service” or “Services”). “Personal Information” for purposes of this Privacy Policy means information that identifies you, such as your name, address, phone number, fax number, email address or any other form of identification that may be required. 3kle stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges.
The information we collect about you depends on the information you provide us and how you use our Service. We collect information:
1) When you provide information directly to us;
2) Through automated technology when you use the Service; and
3) From other sources
Personal Information Collected Directly from You
We collect the following personal information when you provide it to us:
● Contact information such as name, email address, mailing address, and phone number;
● Billing information such as credit card number, account numbers, and billing address;
● Financial information such as bank name or numbers, types of investments;
● National Insurance Number;
● BVN;
● Driver’s license number;
● Unique identifiers such as username, account number, and password;
● Preferences information such as product wish lists, order history, and marketing preferences; and
● Demographic information such as age, education, gender, interests, and postal code.
Information Collected Through Automated Technology
When you visit the Site or download and use our Services, we may automatically collect certain information sent to us by your computer, mobile device, or any other device. This information may include the type of device you use, operating system, the device identifier (or “UDID”), your IP address, location, mobile network information, and standard web log information, such as your browser type traffic to and from our website, and other available information. We may also collect information about your use and interaction with this Site, our mobile application, or our Services. For example, we may evaluate your computer, mobile phone, or another access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies (see Cookies/Tracking section below) that may uniquely identify your browser or your account.
Information Collected From Other Sources
We may also receive information about you from other sources, such as payment, analytics, and security service providers, affiliates, joint-marketers, social network platforms, and others, consistent with any privacy or sharing choices you have made with any third-party platform.
Information Use and Sharing
3kle uses and discloses your personal information only as follows:
● To analyze site usage and improve the Service;
● To deliver to you any administrative notices, money alerts, and communications relevant to your use of the Service;
● To fulfil your requests for certain products and services;
● For market research, project planning, troubleshooting problems, and detecting and protecting against error, fraud, or other criminal activity;
● To third-party contractors that provide services to 3kle and are bound by these same privacy restrictions;
● To enforce 3kles’ Terms of Use; and as otherwise outlined in this Privacy Policy.
● Other purposes for which we seek your consent
If you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.
In addition, we may, from time to time, offer promotions with various businesses, websites, mobile applications or third parties, which may include opportunities for you to earn deposits within your 3kle account. Each such promotion would be subject to and governed by our Terms of Use, this Privacy Policy, and any applicable rules or terms and conditions we may post online, post in our mobile application, including within an e-mail or other communications, or otherwise make available to you. To the extent you elect to participate in any such promotion or otherwise make any purchase subject to a promotion, we may share personal information such as name, e-mail address, purchase dates and other related information with the applicable third party for the limited purpose of allowing the parties that make the promotion available and track participation within the such promotion. With your consent, we may use the information you provide to connect you with people you may already know. For example, through our mobile application, you may permit us to identify contacts within your address book as potential new users of 3kle. We may match the contact information you provide to the information provided by other users to improve the Service to make it easier to find contacts you may refer to 3kle that are not already customers. We may also disclose your personal information when we believe in good faith such disclosure is required by law, such as to comply with a subpoena, or similar legal process and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. If 3kle is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Site of any changes in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
Third-Party Services Please be aware that third-party websites accessible or recommended through our Services may have their privacy and data collection policies and practices. These links and features are provided for your reference and convenience only and do not imply any endorsement of the information provided through these third-party links and features, nor any association with their operators. We are not responsible for any actions, content of websites, or privacy policies of such third parties. We urge you to read the privacy and security policies of these third parties. 3kle uses a few third-party service providers to gather your data from financial institutions. By using the Service, you grant 3kle and such third parties the right, power and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed following their end-user privacy policy.
Your Choices for Your Personal Information
If the personal information on file for you changes, or if you no longer desire our service, you may correct or update it by making the change on our customer information page or by emailing 3kle Customer Service. If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences on your account settings page or you can contact us at the information below. If you have agreed to receive text messages from us, you can choose to opt-out at any time by replying STOP.
Retention of Your Personal Information
We will retain and use your information as necessary to complete the purpose for which it was collected, comply with our legal and/or regulatory obligations, resolve disputes, and enforce our agreements.
Cookies / Tracking Technologies
A cookie is a small text file that is stored on your computer. We use cookies for a variety of purposes, including for record-keeping and to help us understand your use of the Site, allow us to improve it, and personalize it for you. We use cookies on the Site. We do not link the information we store in cookies to any information that directly identifies you that you submit while on the Site. We and our service providers use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period. You can remove persistent cookies by following the directions provided in your internet browser’s “help” directory. If you limit or reject cookies, you may still use the Site, but your ability to use some areas of the Site may be limited. Our Site and Service may contain links to third-party services, as further described in the “Third Party Services” section above. Any cookies or tracking technologies used by such third parties are outside of the scope of this Privacy Policy.
You can control cookies through browser settings and other controls:
● You can manage cookies through controls on your web browser. As controls vary from one web browser to another, you should visit your web browser’s help menu for more information on cookie preferences. You can also configure your browser at any time to be notified of the receipt of a cookie so that you can decide whether you want to accept it or not.
● To opt-out of analytics cookies managed by our third-party analytics partners, either use the browser controls discussed immediately above, or use the analytics opt-out mechanisms maintained by our analytics provider.
Children’s Privacy
Our Services are not directed at children. If we become aware that we have collected data without legally valid parental consent from children under 13 years of age, we will take reasonable steps to delete it as soon as possible.
Notice Concerning Do Not Track
Do Not Track (”DNT”) is a privacy preference that users can set in certain web browsers. At this time, we do not recognise or respond to DNT signals.
Security
The security of your personal information is important to us. When you enter sensitive information, such as credit card numbers or financial information, on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL).
We have implemented reasonable and appropriate measures to protect the security of the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on the Site, please contact us using the information listed in the “Contact Us” section below.
Complaints
At 3kle, your information protection is of utmost priority to us. If you have any worries or reservations about your personal information in regards to how it is used, shared or collected and stored, please contact us immediately by:
● Sending a message via the app
● Emailing us at team@3kle.com
● Writing to us at 55 Castle Rock Road, Osapa, Lekki, Lagos.
Changes to this Privacy Policy
We may update this privacy policy to reflect changes to our information practices. If we make any material changes we would notify you by email or by using a notice on this Site before the change becomes effective. We encourage you to periodically review this page for the latest information on our privacy practices. By continuing to use our Services, you are confirming that you have read and understood the latest version of our privacy policy.
Effective Date: September 1, 2023
This Privacy Policy sets forth how personal information is collected and used, which is provided on the internet website located at www.3kle.com (the “Site”) and our mobile application. Unless otherwise indicated, this Privacy Policy only applies to personal information collected through 3kle. By using 3kle, you agree to be bound by this Privacy Policy and our Terms of Use, as they may be amended from time to time in the future ( see “Change to this Privacy Policy” below). 3kle is committed to maintaining the confidentiality, integrity and security of any personal information about our users. This Privacy Policy explains how we protect the personal information provided through 3kle and how we use that information in connection with our service offered through 3kl (the “Service” or “Services”). “Personal Information” for purposes of this Privacy Policy means information that identifies you, such as your name, address, phone number, fax number, email address or any other form of identification that may be required. 3kle stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges.
The information we collect about you depends on the information you provide us and how you use our Service. We collect information:
1) When you provide information directly to us;
2) Through automated technology when you use the Service; and
3) From other sources
Personal Information Collected Directly from You
We collect the following personal information when you provide it to us:
● Contact information such as name, email address, mailing address, and phone number;
● Billing information such as credit card number, account numbers, and billing address;
● Financial information such as bank name or numbers, types of investments;
● National Insurance Number;
● BVN;
● Driver’s license number;
● Unique identifiers such as username, account number, and password;
● Preferences information such as product wish lists, order history, and marketing preferences; and
● Demographic information such as age, education, gender, interests, and postal code.
Information Collected Through Automated Technology
When you visit the Site or download and use our Services, we may automatically collect certain information sent to us by your computer, mobile device, or any other device. This information may include the type of device you use, operating system, the device identifier (or “UDID”), your IP address, location, mobile network information, and standard web log information, such as your browser type traffic to and from our website, and other available information. We may also collect information about your use and interaction with this Site, our mobile application, or our Services. For example, we may evaluate your computer, mobile phone, or another access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies (see Cookies/Tracking section below) that may uniquely identify your browser or your account.
Information Collected From Other Sources
We may also receive information about you from other sources, such as payment, analytics, and security service providers, affiliates, joint-marketers, social network platforms, and others, consistent with any privacy or sharing choices you have made with any third-party platform.
Information Use and Sharing
3kle uses and discloses your personal information only as follows:
● To analyze site usage and improve the Service;
● To deliver to you any administrative notices, money alerts, and communications relevant to your use of the Service;
● To fulfil your requests for certain products and services;
● For market research, project planning, troubleshooting problems, and detecting and protecting against error, fraud, or other criminal activity;
● To third-party contractors that provide services to 3kle and are bound by these same privacy restrictions;
● To enforce 3kles’ Terms of Use; and as otherwise outlined in this Privacy Policy.
● Other purposes for which we seek your consent
If you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.
In addition, we may, from time to time, offer promotions with various businesses, websites, mobile applications or third parties, which may include opportunities for you to earn deposits within your 3kle account. Each such promotion would be subject to and governed by our Terms of Use, this Privacy Policy, and any applicable rules or terms and conditions we may post online, post in our mobile application, including within an e-mail or other communications, or otherwise make available to you. To the extent you elect to participate in any such promotion or otherwise make any purchase subject to a promotion, we may share personal information such as name, e-mail address, purchase dates and other related information with the applicable third party for the limited purpose of allowing the parties that make the promotion available and track participation within the such promotion. With your consent, we may use the information you provide to connect you with people you may already know. For example, through our mobile application, you may permit us to identify contacts within your address book as potential new users of 3kle. We may match the contact information you provide to the information provided by other users to improve the Service to make it easier to find contacts you may refer to 3kle that are not already customers. We may also disclose your personal information when we believe in good faith such disclosure is required by law, such as to comply with a subpoena, or similar legal process and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. If 3kle is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Site of any changes in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
Third-Party Services Please be aware that third-party websites accessible or recommended through our Services may have their privacy and data collection policies and practices. These links and features are provided for your reference and convenience only and do not imply any endorsement of the information provided through these third-party links and features, nor any association with their operators. We are not responsible for any actions, content of websites, or privacy policies of such third parties. We urge you to read the privacy and security policies of these third parties. 3kle uses a few third-party service providers to gather your data from financial institutions. By using the Service, you grant 3kle and such third parties the right, power and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed following their end-user privacy policy.
Your Choices for Your Personal Information
If the personal information on file for you changes, or if you no longer desire our service, you may correct or update it by making the change on our customer information page or by emailing 3kle Customer Service. If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences on your account settings page or you can contact us at the information below. If you have agreed to receive text messages from us, you can choose to opt-out at any time by replying STOP.
Retention of Your Personal Information
We will retain and use your information as necessary to complete the purpose for which it was collected, comply with our legal and/or regulatory obligations, resolve disputes, and enforce our agreements.
Cookies / Tracking Technologies
A cookie is a small text file that is stored on your computer. We use cookies for a variety of purposes, including for record-keeping and to help us understand your use of the Site, allow us to improve it, and personalize it for you. We use cookies on the Site. We do not link the information we store in cookies to any information that directly identifies you that you submit while on the Site. We and our service providers use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period. You can remove persistent cookies by following the directions provided in your internet browser’s “help” directory. If you limit or reject cookies, you may still use the Site, but your ability to use some areas of the Site may be limited. Our Site and Service may contain links to third-party services, as further described in the “Third Party Services” section above. Any cookies or tracking technologies used by such third parties are outside of the scope of this Privacy Policy.
You can control cookies through browser settings and other controls:
● You can manage cookies through controls on your web browser. As controls vary from one web browser to another, you should visit your web browser’s help menu for more information on cookie preferences. You can also configure your browser at any time to be notified of the receipt of a cookie so that you can decide whether you want to accept it or not.
● To opt-out of analytics cookies managed by our third-party analytics partners, either use the browser controls discussed immediately above, or use the analytics opt-out mechanisms maintained by our analytics provider.
Children’s Privacy
Our Services are not directed at children. If we become aware that we have collected data without legally valid parental consent from children under 13 years of age, we will take reasonable steps to delete it as soon as possible.
Notice Concerning Do Not Track
Do Not Track (”DNT”) is a privacy preference that users can set in certain web browsers. At this time, we do not recognise or respond to DNT signals.
Security
The security of your personal information is important to us. When you enter sensitive information, such as credit card numbers or financial information, on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL).
We have implemented reasonable and appropriate measures to protect the security of the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on the Site, please contact us using the information listed in the “Contact Us” section below.
Complaints
At 3kle, your information protection is of utmost priority to us. If you have any worries or reservations about your personal information in regards to how it is used, shared or collected and stored, please contact us immediately by:
● Sending a message via the app
● Emailing us at team@3kle.com
● Writing to us at 55 Castle Rock Road, Osapa, Lekki, Lagos.
Changes to this Privacy Policy
We may update this privacy policy to reflect changes to our information practices. If we make any material changes we would notify you by email or by using a notice on this Site before the change becomes effective. We encourage you to periodically review this page for the latest information on our privacy practices. By continuing to use our Services, you are confirming that you have read and understood the latest version of our privacy policy.