INFORMATION WE COLLECT FROM YOU
We may collect and process the following data about you:
Your full name, address, email address, telephone number, date of
birth, bank account details, digital currency e-wallet details and any
proof of your identity and/or address that we may request.
Details of any transactions you carry out through our website using
your Efx.com.ng account.
Details of any bank account (including, but not limited to, account
holder, account name, account number, sort code.
Details of any credit, debit or other card used by you for transactions
Your participation in any promotion sponsored by us
Correspondence that you send us
Calls that we make to you or you make to us
Surveys that you complete
Information collected through cookies, your IP address, login times,
operating system and browser type.
Details of your visits to our website including, but not limited to,
traffic data, location data, weblogs and other communication data,
whether this is required for our own billing purposes or otherwise and
the resources that you access whilst visiting our website.
WHAT DO WE USE YOUR INFORMATION FOR?
We use information held about you in the following ways:
· To operate and administer your Efx.com.ng account and to provide services
that you have requested.
· To carry out your instructions to make and receive payments and undertake
transactions using our services, including verifying that you have
sufficient funds in your nominated bank account to make such payments.
To allow you to participate in interactive features of the website
To notify you about changes to our service(s)
To improve our internal customer training
· To comply with financial services regulations including retention of
financial information and transactions
· For financial and identity checks, fraud prevention checks, anti-money
laundering and credit checks
· For customer service, including answering questions and responding to
feedback and complaints
To enhance the security of our services
· To ensure that content on our website is presented in the most effective
manner for you and for your computer, andto provide you with information,
products or services that you request from us or which we feel may interest
HOW DO WE PROTECT YOUR INFORMATION?
We are committed to ensuring that your information is secure.
To prevent unauthorized access or disclosure of information we have
physical, electronic and managerial procedures in place to keep your
Once logged into your Efx.com.ng account, all internet communication is
secured using Secure Socket Layer (SSL) technology. However, this high
level of protection can only be effective if you follow certain security
You must never share your Efx.com.ng account or login details with anyone.
If you are concerned that any of your login details have been compromised,
you can change them any time once you are logged on but you should always
also immediately contact Customer Services and tell us why you think your
login details have been compromised.
how to keep your Efx.com.ng account safe. Details of how to contact
Customer Services are available from the “Contact” section of the website.
Unfortunately, the transmission of information via the internet is not
completely secure. Although we will do our best to protect your personal
data, we cannot guarantee the security of your data transmitted to our
Any transmission is at your own risk. Once we have received your
information, we will use strict procedures and security features to try to
prevent unauthorized access.
DISCLOSURE OF YOUR INFORMATION TO THIRD PARTIES?
We DO NOT disclose or sell your personal information to third parties.
But when you open a Efx.com.ng account, at intervals of up to every 3
months and at any other time we feel it is necessary to do so to protect
our financial interests and prevent money-laundering or fraud, we share
certain information about you and your Efx.com.ng account, financial
history and transactions as part of our normal business operations with our
banks, payment facilitator partners, credit/debit card processing services,
identity verification service providers and credit reference to identify
and verify users, to limit our exposure to fraud and other criminal
activities and to manage our financial risk.
COMMUNICATING WITH YOU
Wemay contact you by email to the primary email address registered with
your Efx.com.ng account or by telephone through the contact telephone
numbers you have provided when registering for your Efx.com.ng account. You
can change your primary email address and/or contact telephone number at
You may also receive system-generated transactional emails such as
confirmation of uploads, notification of receipt of payments, notification
of password changes etc. which are necessary for the proper operation and
administration of your account
our website and not to information collected offline.
LINKS TO OTHER WEBSITE
Our website may, from time to time, contain links to and from the websites
of our partner networks, advertisers and affiliates. If you follow a link
to any of these websites, please note that these websites have their own
privacy policies and that we do not accept any responsibility or liability
for these policies. Please check these policies before you submit any
personal data to these websites.
Our website also includes social media features, such as the Facebook
“Like” button and widgets, such as the “share this” button or interactive
mini-programs that run on our website. These features may collect your IP
address, which page you are visiting on our website, and may set a cookie
to enable the feature to function properly. Social media features and
widgets are either hosted by a third party or hosted directly on our
website. Your interactions with these features are governed by the privacy
policy of the company providing it.