Last Updated: 03/12/2024
At Estovvia, your privacy is a top priority. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you access and use our digital banking services, including our website, mobile apps, and other platforms.
By using our services, you consent to the practices described in this policy.
1. Information We Collect
We may collect the following types of personal information:
a. Personal Identification Information
- Full name
- Date of birth
- National ID/passport/driver's license
- Address
- Phone number
- Email address
- Occupation and employment details
b. Financial Information
- Bank account details
- Transaction history
- Credit or debit card numbers (when necessary)
- Income and credit score (for loan applications)
c. Device and Technical Data
- IP address
- Device type and operating system
- Browser type
- Login timestamps
- Geolocation (with your permission)
d. Biometric Data
- Facial recognition and/or fingerprint data for authentication (only with your explicit consent)
e. Usage Information
- Pages visited
- Links clicked
- Actions taken on our platforms
- Duration of sessions
2. How We Use Your Information
We use your data for the following purposes:
- To verify your identity and manage your account
- To process payments, withdrawals, and transactions
- To provide secure access to banking services
- To communicate with you about your account or updates
- To detect and prevent fraud, unauthorized access, and illegal activity
- To improve our digital services and customer experience
- To comply with legal and regulatory requirements
3. Legal Basis for Processing
We process your personal data based on:
- Your explicit consent
- The necessity of fulfilling a contract
- Our legitimate interests, such as fraud prevention
- Compliance with legal obligations
4. Sharing Your Information
We may share your information with trusted third parties, including:
- Regulatory authorities (as required by law)
- Payment processors and financial partners
- Identity verification and credit reporting agencies
- Fraud detection and cybersecurity service providers
- Our legal and professional advisors
We do not sell your personal information to third parties.
5. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Remember your preferences
- Secure your sessions
- Analyze site traffic and performance
- Personalize your experience
You can manage or disable cookies via your browser settings. Please note that some features may not function properly without cookies.
6. Data Retention
We retain your personal information:
- As long as your account is active
- For as long as necessary to fulfill the purposes outlined above
- To comply with legal, regulatory, and contractual obligations
After retention periods, data is securely deleted or anonymized.
7. Security of Your Information
We implement strong physical, technical, and administrative safeguards to protect your data:
- End-to-end encryption of sensitive data
- Multi-factor authentication (2FA)
- Role-based access control
- Real-time fraud monitoring
- Secure server infrastructure
However, no system is 100% secure. We encourage users to keep login credentials private and notify us immediately of any suspicious activity.
8. Your Rights
You have the right to:
- Access and review your personal data
- Correct inaccurate or incomplete data
- Withdraw your consent (where applicable)
- Request deletion of your data (subject to legal limitations)
- Object to or restrict processing
- Lodge a complaint with the appropriate data protection authority
To exercise your rights, don't hesitate to get in touch with our Privacy Officer (see Section 12).
9. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors without parental consent. If we discover we have unknowingly collected such data, it will be deleted promptly.
10. International Data Transfers
Your data may be stored or processed in countries outside your own. Where applicable, we ensure that such transfers are compliant with relevant data protection laws and safeguarded through appropriate contractual measures.
11. Changes to This Policy
We may update this Privacy Policy periodically. When we do, we will revise the "Last Updated" date and notify you of significant changes via email or app notification.
We encourage you to review this policy regularly.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or how your data is handled, please contact:
Data Protection & Privacy Officer
Estovvia
Email: support@estovvia.com
Phone: +1234567890
Office Hours: Monday–Friday, 9:00 AM – 5:00 PM (WAT)
Summary
We respect your privacy and are committed to protecting your personal data. This policy explains how we handle your information transparently and responsibly. Your trust is important to us.
