PRIVACY POLICY

WE VALUE YOUR PRIVACY

Misa respects you and your privacy and will treat your personal identifiable information as private and confidential.

This Privacy Policy thus describes how Misa Nigeria Limited (“the Company”, “we”, “our” or “us”) uses and protects the information that you give us when you use this website. Our Privacy Policy pertains to all users (“you” or “your”) who visit without transacting business and users who transact business on the website (all “Visitors”) and make use of the various services offered by the Company (collectively “the Services”). This Privacy Policy (together with our Terms and Conditions) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By continuing to visit our website, www.misaltd.com, you accept and consent to the practices described in this Privacy Policy.

Our commitment is to protect your privacy and provide you with the highest level of security during the course of your interaction with us. We have explained in details by virtue of this Privacy Policy the personal information we collect, what we do with it and the measures we take to protect it.

By accessing or using the website (as defined hereinafter), you are entering into a binding legal agreement with the Company; the website, located at www.misaltd.com (the “website”); and the third-party service vendors who use the website and their parent companies, subsidiaries, and affiliates (the “Company,” “us,” “we,” and “our”) relating to terms and conditions of privacy (“Privacy Policy”). This Privacy Policy is in effect for any web page; mobile application; e-mail list; and information, including Personally Identifiable Information, collected/owned by us, regardless of the method of collection, including collection through any online features, services, and/or programs we offer. This Privacy Policy is not applicable to your use of any third-party web page, mobile application, social media site, or any information collected or owned by any entity other than us.

COMMUNICATIONS

Express written consent: by submitting your contact information, you are providing your express written consent to receive communications from us at the e-mail address and telephone numbers you may enter into our Contact Form, or that you later provide to us or enter into our contact page. Your consent also serves as your express written consent to your past or future receipt of electronic communications from us. You further represent and warrant that: (i) you are at least 18 years old; (ii) you have not registered on a national “do-not-call or send email” listing , or otherwise grant Misa a waiver to such restrictons for the use hereof; (iii) you are the account holder of, or have the required consent to provide the phone numbers and e-mail addresses provided; (iv) the phone numbers and e-mail addresses provided are accurate, and you will provide us notice if you release either such account to another.
Communications include: These communications may include, without limitation, telemarketing messages, through the use of e-mail, landline phone, mobile phone, text messages (including SMS, Whatsapp and MMS), and notifications through any app that we may produce.

No purchase necessary: Agreeing to these communications is not a condition of purchasing any property or services from us.

Revoking consent and opting out: You may revoke your consent to receive certain communications at any time. To stop receiving e-mails, click the “unsubscribe” link when provided, or reply “unsubscribe” to the e-mail when an automated unsubscribe link is not available. To stop receiving phone calls, communicate that request to us via phone, text or Whatsapp message, or e- mail. We will make a commercially reasonable effort to comply with any communications from you opting out. By contacting us to opt-out of a certain communication, you consent to receive a final communication confirming your opt-out.

YOUR “PERSONALLY IDENTIFIABLE INFORMATION”

Personally Identifiable Information refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, e-mail address, financial profile and/or information. Personally Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.

What Personally Identifiable Information is collected?

We may collect basic user profile information from all of our Visitors. We also collect the following additional information from our dealing customers: name, address, phone number, internet protocol address (IP address), and e-mail address. Some additional information may also be collected automatically such as IP address, device identifier, browser type, operating system, information about your use of the Website, and data regarding network-connected hardware (e.g., computer or mobile device).

How does our webite use Personally Identifiable Information?

We use Personally Identifiable Information to customize the website, to make appropriate service offerings, and to fulfill requests to buy or sell made on the website. We may e-mail Visitors about research or opportunities to purchase and sell on the website or information related to the subject matter of the website. We may also use Personally Identifiable Information to contact Visitors in response to specific inquiries, or to provide requested information.

What organizations are collecting the information?

In addition to our direct collection of information, third-party service vendors whom we enter into contractual agreements with, may collect this information from our Visitors. We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them by Visitors. Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information provided to them.

Information we share

We may also share the information about you and your dealings with us, to the extent permitted by law, with the following:

  • Regulators/Supervisors, Government Agencies/courts – It may be necessary by law, legal process, litigation, and/or requests from public and governmental authorities within or outside your country of residence for Coronation to disclose your personal information. We may also disclose information about you if we determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate:
  • External Auditors;
  • Misa’s strategic partners/service providers – for the purpose of improving and providing our products and services to you. Your Personal Information will not be shared with third parties for their marketing purposes.

We may also disclose information about you if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.

Information about our customers and their usage of our website is not shared with third parties for their marketing purposes. We do not disclose any information about any user’s usage of our website except in specific cases, and we do not share information with any unaffiliated third parties for marketing purposes unless you expressly give us permission to do so.

HOW WE PROTECT YOUR INFORMATION

We take appropriate technical and organizational measures to prevent the loss, unauthorized access, misuse, modification or disclosure of information under our control.
Your personal information with us remains secure because:
We use strict security measures and technologies to prevent fraud and intrusion.
* Our security controls and processes are regularly updated to meet and exceed industry standards.
* Our employees are trained to respect the confidentiality of any personal information held by us

WHERE WE STORE YOUR INFORMATION

All Personal Information you provide to us is stored on our secure servers as well as secure physical locations and cloud infrastructure (where applicable). The data that we collect from you may be transferred to and stored at a destination outside Nigeria. Whenever your information is transferred to another location, we will take all necessary steps to ensure that your data is handled securely and in accordance with this privacy policy.

HOW LONG WE STORE YOUR INFORMATION

We retain your data for as long as is necessary for the purpose(s) that it was collected. Storage of your data is also determined by legal, regulatory, administrative or operational requirements.
YOUR RIGHTS
You have certain rights available to you, these include

  • The right to access your personal information is held by us. Your right of access can be exercised by sending an email to digital@coronation.ng
  • The right to rectify inaccurate or incomplete information.
  • withdraw consent for processing in cases where consent has previously 
been given.
  • restrict or object to the processing of your data. We might continue to process your data if there are valid legal or operational reasons

You also have the right to:

  • Request that your data be made available to you in a common electronic format and/or request that such data be sent to a third party.
  • Request that your information be erased. We might continue to retain 
such data if there are valid legal, regulatory or operational reasons

SOCIAL MEDIA PLATFORMS

Misa may interact with registered users of various social media platforms, including Facebook, Twitter, LinkedIn and Instagram. Please note that any content you post to such social media platforms (e.g. pictures, information or opinions), as well as any personal information that you otherwise make available to users (e.g. your profile), is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review this information carefully in order to better understand your rights and obligations with regard to such content.

Links to other websites

Our website may have links to third party websites. Once you click on those links and exit our website, we cannot control what occurs on those sites. Consequently, we cannot be responsible for the protection and privacy of the information that you provide on those websites.
To ensure your security, we recommend that you carefully read their privacy policies before submitting any personal information.

GOVERNING LAW AND JURISDICTION

By accessing our website, you agree to be bound by this Privacy Policy, which

shall be governed by, and construed in accordance with, the laws of the Federal Republic of Nigeria. Any disputes regarding this website, use of your personal information will be subject to resolution by arbitration or mediation. Any law or regulation which provides that the language of a contract shall be construed against the drafter will not apply to this Agreement. This Section will be interpreted as broadly as applicable law permits.

WHAT HAPPENS IF THE PRIVACY POLICY CHANGES

We reserve the right to modify or amend this Privacy Policy at any time by posting the revised Privacy Policy. We will let our Visitors know about changes to our Privacy Policy by posting such changes on the website.