Legal

Privacy Policy

This Privacy Policy explains what personal information we collect, how we use and share it, how we protect it, and the choices and rights available to you when you use OpinionMarketNG.

1. Introduction

DPay Secured Online Services Ltd. ("DPay", "we", "us", or "our") operates OpinionMarketNG, an online platform where users explore and participate in markets relating to real-world events.

This Privacy Policy explains what personal information we collect, how we use and share it, how we protect it, and the choices and rights available to you when you use our website, platform, and related services.

We are committed to handling personal information responsibly and in accordance with applicable data protection laws, including the Nigeria Data Protection Act 2023, where applicable.

By accessing or using OpinionMarketNG, you acknowledge that you have had the opportunity to read this Privacy Policy. Where consent is legally required for a particular processing activity, we will seek that consent separately.

2. Information We Collect

The information we collect depends on how you interact with OpinionMarketNG and which services you use.

Account Information

When you register for or manage an account, we may collect information such as your name, email address, telephone number, username, account credentials, and account preferences.

Identity and Verification Information

Where required for eligibility checks, fraud prevention, security, or legal and regulatory compliance, we may request information needed to verify your identity or age. The specific information collected will depend on the applicable requirements.

Transaction and Payment Information

If you use features involving deposits, withdrawals, payments, or other financial transactions, we may process relevant transaction details, including transaction references, amounts, dates, payment status, and related account information.

Payments may be handled by third-party payment service providers. The information we receive depends on the payment method and the provider's arrangements. We will not claim to store or process payment-card details directly unless that accurately reflects our practices.

Platform Activity

We may collect information about how you use OpinionMarketNG, including pages viewed, features accessed, interactions with markets, account activity, and preferences, to the extent necessary for the operation, security, and improvement of the platform.

Device and Technical Information

When you access our website, certain technical information may be recorded, such as your IP address, browser type, device type, operating system, referring page, access times, and requested URLs.

This information may help us maintain website functionality, troubleshoot technical problems, protect against abuse, and understand general usage patterns.

Communications

If you contact us through email, a website form, or another official support channel, we may retain your contact details, the contents of your message, and relevant correspondence so that we can respond and maintain appropriate support records.

3. How We Use Personal Information

We may use personal information for the following purposes:

To create and manage accounts and provide requested services.
To authenticate users and maintain account security.
To process transactions and provide relevant transaction records, where applicable.
To verify identity, age, or eligibility where required.
To detect and prevent fraud, unauthorised access, abuse, and violations of our terms.
To respond to enquiries, complaints, and support requests.
To maintain, troubleshoot, and improve our website and platform.
To understand platform usage and measure service performance.
To comply with applicable laws, regulations, and lawful requests.
To communicate important service updates and policy changes.
To send marketing communications where permitted by law and, where required, with your consent.

We will not use personal information for purposes that are incompatible with applicable law or our disclosed practices without an appropriate legal basis.

4. Legal Basis for Processing

Where applicable, we process personal information on one or more of the following bases:

Contract: Processing necessary to provide a service you request or fulfil our obligations to you.
Legal obligation: Processing necessary to comply with applicable legal or regulatory requirements.
Legitimate interests: Processing necessary for purposes such as website security, fraud prevention, service improvement, and protecting our legitimate business interests, where these do not override your rights.
Consent: Processing based on your consent where the law requires it, including certain marketing or non-essential tracking activities.

Where we rely on consent, you may withdraw it at any time, subject to applicable law. Withdrawal does not affect processing that took place lawfully before the withdrawal.

5. Cookies and Similar Technologies

OpinionMarketNG may use cookies and similar technologies to support essential website functions, remember preferences, maintain security, analyse website traffic, or measure marketing performance.

The specific cookies and technologies used depend on the tools implemented on our website.

Where required by law, we will request consent before using non-essential cookies or similar technologies. You may also manage cookies through your browser settings. Disabling certain cookies may affect some website features.

We encourage users to review any cookie notice or preference controls made available on our website.

6. How We Share Personal Information

We may share personal information when necessary for the purposes described in this policy, including with:

Service Providers

Third-party providers that help us host, maintain, secure, analyse, or support the platform may process information on our behalf.

Payment Providers

Where applicable, payment processors and financial institutions may receive information necessary to process, verify, or reconcile transactions.

Professional Advisers

We may share relevant information with legal advisers, auditors, insurers, or other professional advisers when reasonably necessary.

Regulators and Authorities

We may disclose information to courts, regulators, law enforcement agencies, or other authorities where required or permitted by applicable law.

Business Transactions

If our business undergoes a merger, restructuring, acquisition, or transfer of assets, personal information may be disclosed or transferred as permitted by law, subject to appropriate safeguards.

We do not sell personal information to third parties for their own independent marketing purposes.

We do not share more information than is reasonably necessary for the relevant purpose, subject to legal requirements.

7. Third-Party Websites and Services

Our website may contain links to third-party websites, social media platforms, payment services, or other external services.

When you follow an external link, the third party may collect and process information under its own privacy policy and terms. We do not control the independent privacy practices of third-party services.

We encourage you to read the relevant privacy notices before providing information to another service.

8. Data Retention

We retain personal information for as long as reasonably necessary to fulfil the purposes described in this policy, including providing our services, maintaining account records, resolving disputes, protecting platform security, and meeting legal or regulatory obligations.

Retention periods vary depending on the type of information, the purpose for which it was collected, and applicable legal requirements.

When personal information is no longer required, we will take appropriate steps to delete it, securely dispose of it, or anonymise it, subject to any lawful retention obligations.

9. Data Security

We use appropriate technical and organisational measures designed to protect personal information against unauthorised access, disclosure, alteration, loss, or destruction.

These measures may include access controls, secure data handling procedures, system monitoring, and other safeguards appropriate to the information and risks involved.

No website, storage system, or electronic transmission can be guaranteed to be completely secure. Users should protect their account credentials, avoid sharing passwords, and contact us promptly if they suspect unauthorised access to their accounts.

10. International Data Transfers

Some of our service providers may process information outside Nigeria. Where personal information is transferred across borders, we will take steps required by applicable data protection law to establish a lawful basis for the transfer and implement appropriate safeguards where necessary.

11. Your Privacy Rights

Subject to applicable law, you may have the right to:

Request access to personal information we hold about you.
Request correction of inaccurate or incomplete information.
Request deletion of personal information where legally appropriate.
Request restriction of certain processing activities.
Object to certain types of processing, including direct marketing where applicable.
Request a copy of eligible personal information in a portable format.
Withdraw consent where processing relies on consent.
Lodge a complaint with the relevant data protection authority.

These rights are subject to applicable legal conditions and exceptions. For example, we may need to retain certain records to meet legal obligations or establish, exercise, or defend legal claims.

To exercise your rights, please contact us using the details in Section 14. We may request information to verify your identity before processing a request.

12. Children's Privacy

OpinionMarketNG is not intended for individuals who are below the minimum legal age applicable to the services offered.

We do not knowingly collect or process children's personal information in violation of applicable law. If we become aware that personal information has been collected unlawfully from a child, we will take appropriate steps to address the situation.

Parents or guardians who believe that a child has provided personal information unlawfully may contact us using the details below.

13. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes to our services, information-handling practices, or applicable legal requirements.

When we make material changes, we will publish the updated policy on this page and revise the "Last updated" date. Where required by law, we will provide additional notice or seek consent.

We encourage users to review this page periodically.

14. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to raise a concern about our handling of personal information, please contact us:

Company: DPay Secured Online Services Ltd.

Platform: OpinionMarketNG

Website: https://www.opinionmarket.ng/

Email: opinionmarketng@opinionmarket.ng

Privacy contact: Please use the email above and include "Privacy Request" in your subject line.

We will review and respond to requests in accordance with applicable data protection requirements.

This Privacy Policy applies to OpinionMarketNG and its operation by DPay Secured Online Services Ltd., subject to applicable laws and the specific services provided.