This privacy statement explains how and why Dot collects, stores, uses, and shares personal information when you visit our websites or use our services. By using the Site or Service, you agree to the collection and use of information in accordance with this privacy statement and the applicable user agreement.
“Personal information” in this statement means information about you, including your identity, finances, and online behaviour. “Dot” in this statement means Dot Limited. This privacy statement applies to Dot and its subsidiaries.

We may collect your personal information when you register for or use our services, such as when you sign up for a Dot MFB account or when you subscribe to the Dot newsletter.

Here are the kinds of personal information that we may collect when you create an account or use our services:

1. Information that identifies you, for example:
   
   • First and last name
   • Address
   • Phone number
   • Email
   • IP address
   • Device information
   • Information collected from cookies or other tracking technologies
2. Records and financial information, for example:
   
   • Bank Verification Number (BVN)
   • Government-issued identification
   • Bank account numbers
   • Debit card information
   • Financial information
3. Personal characteristics, for example:
   
   • Age or Date of Birth
   • National origin
   • Citizenship
4. Internet or network activity, for example:
   
   • Interactions with our services or sites
5. Geolocation data, for example:
   
   • Global Positioning System (GPS) information when you give us permission through your device settings
   • IP-based geolocation
6. Audio, electronic, visual, biometric, or similar information, for example:
   
   • Call recordings when you talk to customer service
   • Voice identification, when you consent to this biometric method of authentication
   • Profile pictures you provide
   • Photo IDs you voluntarily provide to authenticate your account, which we delete immediately upon authentication
7. Information we infer based on your personal information, for example:
   
   • Fraud and risk assessments
   • Personalization preferences

How we collect personal information about you

We may collect personal information about you from various sources, for example

From:

• You, when you use any Dot Service
• Our payment partners, such as card networks and payment processors
• Financial institutions, such as banks
• Credit bureaus
• Service providers, such as companies that help us manage risk and fraud, deliver services to you, and market our services

We do not knowingly collect personal information from people who are not allowed to use our sites and services. Contact us if you believe that we've mistakenly collected personal information from someone not allowed to use our services. We'll delete it immediately unless we're legally required to keep it.

How we use tracking technologies like cookies

We or our authorized service providers may use cookies and similar tracking technologies to collect personal information whenever you use our services, visit our sites, or visit websites that offer our services. The information collected with these technologies helps us personalize your experience, measure the effect of our ads, prevent fraud, and enhance the security of our sites and service.

You can disable or decline some cookies for our sites and services. But, since some parts of our service rely on cookies to work, those services could become difficult or impossible to use.

Some web browsers have an optional setting called “Do Not Track” (DNT) that lets you opt out of being tracked by advertisers and some third parties. Because many of our services won't function without tracking data, we do not respond to DNT Settings.

Why we collect personal information

We collect personal information for many reasons, including to improve your experience, and to run our business. Specific reasons why we collect your personal information include:

1. Run our sites and provide better services.
2. Manage and improve our business.
3. Protect our business and our customers from risk and fraud.
4. Send you marketing information about our products and services. We may use personal information to market our partners, such as merchants. We use personal information to better understand and cater to your interests.
5. Personalize your experience when you use our sites and services, as well as other third-party sites and services. In this case, we might use tracking technologies like cookies.
6. Send you locally relevant options, but only if you agree to let us track your location. If you do, this can help us enhance the security of our sites and services, and customize our services by using the right language and personalizing content such as ads and search results.
7. Contact you when you need us, such as answering a question that you sent to our customer service team.
8. Comply with laws and enforce our agreements with you and other people who use our services.

How and why we share personal information about you

We do not sell your personal information. However, we may share personal information across our services and with other members of the Dot group of companies. Sometimes we share the personal information we collect with third parties to help us provide services, protect our customers from risk and fraud, market our products, and comply with legal obligations.

We may share personal information with

1. Other members of the Dot group of companies.
2. Service providers that help us with processing payments, marketing, research, compliance, audits, corporate governance, communications, and security
3. Card networks and payment processors
4. Financial institutions
5. Credit reporting and collections agencies
6. Courts, governments, regulators, and law enforcement when accompanied by a subpoena or other legal documentation that requires PayPal or members of our corporate family to respond
7. People involved in a transaction, such as other users or merchants and their service providers.
8. Third parties that you asked us to connect with, such as other financial or social media apps. If you want us to stop sharing information with a third party, disconnect your account from that third party.
9. Third-party tools used to help fight spam and abuse.
10. Other third parties to:
    
    • Comply with laws
    • Investigate or enforce violations of our user agreement
    • Facilitate a merger, purchase, or sale of part or all of our business
    • Comply with card association rules
    • To prevent physical harm or illegal activity

How we protect your personal information

Helping to keep your personal information safe against loss, misuse, unauthorized access, disclosure, and alteration is our top priority. To protect your personal information, we use technical, physical, and administrative security measures that include:

• Firewalls
• Data encryption
• Physical access controls at our data centres

While we protect our systems and services, you're responsible for keeping your password(s) and account information private. You are also responsible for making sure your personal information is accurate and up to date.
If your account is closed, we may keep your personal information and other information as required by law and according to our data retention policy. If we do, we'll continue handling it as described in this statement.

How this statement changes over time

We'll make changes to this privacy statement from time to time. This helps us stay up to date with changes to our business and the most current laws. After a new version is published, we'll collect, store, use, and protect your personal information as we outline in that revised statement. We may notify you about these changes through email or other communications.

Contact Us

If you have questions about this privacy statement or your personal information, contact us so we can help.

• Send a message to help@dot.ai