Privacy Policy
At TGIPAY Limited, we treat your personal information as private and confidential and are committed to protecting it with appropriate security measures.
This Privacy Policy explains what personal information we collect, how we use it, how we share it, and how we protect it when you interact with TGIPAY.
By continuing to visit and use our website and services, you accept the practices described in this policy.
We Value Your Privacy
This policy sets out the basis on which personal data collected from you, or provided by you, will be processed by TGIPAY.
Please read it carefully to understand our views and practices regarding your personal data and how we will treat it.
Information We Collect and Use
- Information about your computer, such as your IP address, browser, operating system, and related technical information used for system administration and aggregate reporting.
- Information from website visits, applications, identification documents, curriculum vitae, personal financial statements, communications with relationship managers, and other written or electronic exchanges.
- Personal information such as your name, address, passport details, identification numbers, biometric information, telephone number, occupation, assets, income, and other information we consider necessary.
- Transactional account history including balances, payment records, and debit or credit card usage.
- Information received from third parties including family members, solicitors, friends, employers, public websites or social media pages, government agencies, regulators, supervisory bodies, and credit agencies.
- Other information such as video footage when you visit our office and call recordings when you contact our support or contact centre lines.
Use of Your Personal Information
The collection and use of personal data at TGIPAY is guided by principles requiring that data be processed fairly, lawfully, transparently, for specified lawful purposes, and only to the extent necessary.
Personal data should be accurate, kept up to date where necessary, retained only for as long as required, processed in line with data subject rights, and protected against unauthorized processing, loss, damage, or destruction.
We process personal information with your consent or where we have another lawful basis, including contractual necessity, legal and regulatory compliance, protection of vital interests, significant public interest, and legitimate interests that do not override your rights.
- Updating and enhancing TGIPAY records.
- Executing your instructions.
- Establishing identity and assessing applications for products and services.
- Pricing, designing, administering, and improving products and services.
- Managing our relationship with you and managing risk.
- Identifying and investigating illegal activity such as fraud, money laundering, and terrorism financing.
- Contacting you where necessary, including where fraud is suspected or important service or sector updates arise.
- Complying with legal obligations and assisting government agencies, regulators, supervisors, and law enforcement.
- Identifying and informing you about other products or services that may interest you.
- Processing job applications submitted to TGIPAY.
Automated Processing
We sometimes use automated systems and software to help make decisions, including security checks, fraud checks, anti-money laundering checks, and certain product or service application processes.
This processing is carried out on a lawful basis, and you may contact us to request human review if you believe there is any inaccuracy in your personal data.
How We Protect Your Information
We take appropriate technical and organizational measures to prevent loss, unauthorized access, misuse, modification, or disclosure of information under our control.
These protections may include encryption, access controls, and other security safeguards. Our staff and third-party processors are required to comply with policies and guidelines designed to protect information during use, storage, and transmission.
We also use strict security measures and technologies to prevent fraud and intrusion, regularly update security controls, and train our employees to respect the confidentiality of personal information.
Where a password gives you access to restricted areas of the site, you are responsible for keeping that password and any other authentication details confidential.
Where We Store Your Information
Personal information you provide is stored on secure servers, secure physical locations, and cloud infrastructure where applicable for service delivery and business continuity purposes.
Data collected from you may be transferred to or stored in cloud locations operated by globally accepted vendors' data centres. Whenever information is transferred, we take necessary steps to ensure it is handled securely and in accordance with this privacy policy.
How Long We Store Your Information
We retain your data for as long as necessary for the purpose or purposes for which it was collected and as required by legal, regulatory, administrative, or operational obligations.
We retain information needed to comply with requests, meet audit and business requirements, respond to complaints and queries, and address disputes or claims.
Data that no longer needs to be retained is securely destroyed.
Your Rights
You have rights in relation to your personal information, subject to applicable law and valid legal, regulatory, or operational limits.
Requests may be sent to dpo@tgipay.com.
- Access personal information held by TGIPAY.
- Rectify inaccurate or incomplete information.
- Withdraw consent where consent was previously given.
- Restrict or object to processing in appropriate circumstances.
- Request your personal data in a common electronic format or ask that it be sent to a third party.
- Request erasure of your personal information, subject to lawful retention needs.
Maintain Accurate Information
Keeping your account information accurate and up to date is important. You can access account information, including contact details, balances, and transactions, through statements and other service channels.
If you discover inaccuracies in your personal information, notify us through our head office or contact centre and provide any supporting documents needed for correction.
Third Party Sites and Services
TGIPAY websites, products, applications, and services may contain links to third-party websites, products, and services or integrate third-party offerings.
Information collected by third parties is governed by their own privacy practices, and TGIPAY is not liable for any breach of confidentiality or privacy arising on those third-party sites or services.
Privacy of Children
TGIPAY respects the privacy of children. We do not knowingly collect names, email addresses, or other personally identifiable information from children, market to children, or allow children under 18 to open online accounts.
Promotional Messages
TGIPAY may occasionally contact you about products or services we think may interest you. You may opt out of promotional materials at any time by sending an email to dpo@tgipay.com.
Privacy Policy Changes
This policy may be revised from time to time to reflect changes in the legal, regulatory, or operating environment.
Revised versions become effective once posted on this page. We will notify you when changes are made and encourage you to check this page periodically for updates.
Contact
Questions, comments, and requests regarding this Privacy Policy should be sent to dpo@tgipay.com.
To contact our Data Protection Officer, address your request to The Data Protection Officer at dpo@tgipay.com or write to No. 3 Bashir Fakorede Street, HRC Estate, Off Harris Drive, VGC, Lagos State.
