We collect data in the following ways:

• Information you provide directly to us: When you ceate an account, fill out a form, or provide information, we collect the information you provide. This may include your name, email address, phone number, and other contact information
• Information about your use of our products and services: We collect information about how you use our products and services, such as the features you use, the content you view, and the duration of your use. This information helps us understand how our users interact with our products and services and allow us to make improvements on them.
• Location data: If you have granted us permission to access your device’s location services, we may collect data about your location. This data may be used to provide location-based features and services.
• Device information: We may collect information about your device, including the device’s model, operating system version, and device ID.
• Log Data: When you use our products and services, we collect log data, which may include information such as your IP address, device type, browser type, operating system, and the pages you have viewed.

We use data we collect for the following purposes:

• To provide and improve our products and services. This may include using your data to personalize your experience, provide customer support, and send you promotional materials.
• Create and manage any accounts you may have with us, verify your identity, provide our services and respond to your inquiries;
• Process your payment transactions (including authorization, clearing, chargebacks and other related dispute-resolution activities).
• To comply with legal obligations
• To enforce our policies: We may use your data to enforce our policies, such as to prevent fraud of to enforce our terms of use.
• To protect our rights: We may use your data to protect our rights, such as to protect our intellectual property rights or to prevent harm to our users.
• To communicate with you, about products, services and promotional offers, programs and promotions of Zest, merchants and partners;
• Evaluate your interest in employment and contact you regardging possible employment with Zest;
• To target advertisement, newsletter and service updates;
• To Personalize your experience on our website and platforms.
• To conduct research and analysis for an improved understanding of our users and customers.

We do not sell, rent, or share our users’ personal information with third parties, except in the following circumstances:

• With the user’s consent
• To comply with legal requirements, with law enforcement agencies or other government entities as required by law.
• To protect our rights and property
• In the event of a merger or acquisition
• For the purpose of when a third party is providing services to us, such as website hosting, payment processing, and market support. These third parties include:
  • Third Party platform providers: We share personal data with vendors and platform providers working on your behalf for the purposes described in this policy which includes but is not limited to partners that provide customer service support, protection of our systems and services, or perform identity verification services that may need access to personal data to provide those functions. The processing by such third parties shall be governed by a written agreement with Zest to ensure adequate protection and security measures are put in place for the protection of personal data in accordance with the terms of this Privacy Policy.
  • Financial services and payment processors: During transaction processing, which requires the provision of payment data, we will share payment and transactional data with banks and other entities (Card schemes and switches) as necessary for payment processing, fraud prevention, or other related financial services.
  • Group affiliates: We enable access to some personal data across our subsidiaries, affiliates, and related companies where we are required to share your personal data in the course of providing you services.

In providing you with the services, we may rely on third-party servers located in foreign jurisdictions from time to time, which as a result, may require the transfer or maintenance of your personally identifiable information on computers or servers in foreign jurisdictions. You consent that we may transfer your data for the purpose of providing you with the services. We will ensure to comply with the requirements of the Nigeria Data Protection Regulation (“NDPR”) with respect to transfer of personal data. We will endeavour to ensure that each foreign jurisdiction have data protection legislation that is no less than the existing data protection regulations in force in Nigeria and your personally identifiable information is treated in a safe and secure manner.

You have the right to access, correct, or delete your personal data at any time. You can exercise these rights by contacting us.

data protection rights

• The right to be informed
• The right of access to your personal information by signing into your account
• The right to rectify any personal information that you provide which may be incorrect, out of date or inaccurate
• The right to the erasure of personal information. This applies to when data is no longer required, and processing has no legal justification. An exception to this right includes when the applicable law requires Zest to retain records.
• The right to restrict the processing of your personal information for marketing purposes. This can be achieved by adjusting your notification preference on the settings page or by opting out via the unsubscribe link in marketing emails we send you.
• The right to data portability
• The right to object to the processing of personal information in certain circumstances. Please note that where you object to us processing your personal information, we might be unable to provide the services to you.
• The right to not be subject to automated decision-making