Privacy Policy
How we collect, use, disclose, store, and protect your personal data.
Introduction
At Koolboks, we respect your privacy and are committed to protecting your personal data in accordance with the Nigeria Data Protection Regulation (NDPR), the Nigeria Data Protection Act (NDPA), and other applicable laws and regulations.
This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you interact with our products, services, website, mobile applications, Pay-As-You-Go (PAYG) solutions, and credit-related services.
Scope
This Privacy Policy applies to:
- Website visitors
- Customers and prospective customers
- PAYG and credit users
- Mobile and web application users
- Business partners or service providers interacting with Koolboks
Personal Data We Collect
We may collect the following categories of personal data:
- Identity and Contact Data: Full name, phone number, email address, residential or delivery address, and identification details where required.
- Financial and Credit Data: Payment history, bank or mobile payment information, credit assessment information, and PAYG repayment records.
- Technical and Usage Data: Device information, IP address, browser type, operating system, website and application usage analytics, system logs, and performance data.
Legal Basis for Processing
We process personal data based on:
- Your consent
- Performance of a contract
- Compliance with legal obligations
- Legitimate business interests
- Fraud prevention or security purposes
How We Use Your Data
Your personal data may be used for:
- Product and service delivery
- PAYG account management
- Credit assessment and repayment monitoring
- Customer support and communication
- Regulatory compliance
- Fraud detection and prevention
- Service improvement and analytics
- Marketing or promotional communications where permitted
PAYG & Credit-Specific Processing
For PAYG and credit services, we may process:
- Device usage information
- Payment and repayment activity
- Account performance data
Koolboks does not access or monitor personal content stored on your device, including personal files, messages, photos, or unrelated application data.
International Transfers
Where personal data is transferred outside Nigeria, such transfers will be carried out using appropriate safeguards and in compliance with NDPR and applicable data protection requirements.
Data Retention
We retain personal data only for as long as necessary to fulfil the purposes outlined in this Privacy Policy and comply with legal, regulatory, tax, accounting, or reporting obligations.
Your Rights
Subject to applicable laws, you have the right to:
- Access your personal data
- Request correction of inaccurate data
- Request deletion of your data
- Object to certain processing activities
- Withdraw consent where processing is based on consent
- Lodge complaints with the relevant regulatory authority, including NITDA
Data Security
We implement appropriate administrative, technical, and physical safeguards to protect personal data against unauthorized access, loss, misuse, alteration, or disclosure.
Third-Party Links
Our website or applications may contain links to external websites or services. Koolboks is not responsible for the privacy practices or content of third-party platforms.
Updates to This Policy
We may update this Privacy Policy from time to time. Any updates will be published on our website with a revised effective date.