Privacy Policy

Introduction

This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumer electronic device (each, a "Device"). This Privacy Policy (“Policy”) describes what personal information Rich-Oak collects, what Rich-Oak does with it, how Rich-Oak protects it and how Rich-Oak maintains information collected from Users. This Policy applies to usage of the Services as well as information contained on thereon, particularly, information related to products and services offered by Rich-Oak. Rich-Oak is committed to ensuring that Your privacy is protected. Should we ask you to provide certain information by which you can be identified when using the Services, then you can be assured that it will only be used in accordance with this Policy. You may be asked to provide your personal information anytime you are in contact with Rich-Oak or Rich-Oak’s Licensor. Rich-Oak or Rich-Oak’s Licensor may share this personal information with each other and use it consistent with this Privacy Policy. They may also combine it with other information to provide and improve our products, services, content, and advertising. You are not required to provide the personal information that we have requested, but, if you chose not to do so, in many cases we may not be able to provide you with our products or services or respond to any queries you may have.

Information we get from your use of our services.

When you create an Rich-Oak ID account, purchase a product, download a software update, register for Rich-Oak’s newsletter, connect to our services, contact us including by social media or participate in an online survey, we may collect a variety of information about the services that you use and how you use them , including your name, mailing address, phone number, email address, contact preferences, device identifiers, IP address, location information, credit card information, local storage, preferred vendor information and ratings and profile information where the contact is via social media, i.e., we collect Personal Information about your transactions with us. We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency.

Cookies and similar technologies.

We and our partners use various technologies to collect and store information when you visit Rich-Oak, and this may include using cookies or similar technologies to identify your browser or device. We also use these technologies to collect and store information when you interact with services we offer. These technologies help us better understand user behaviour, tell us which parts of our websites people have visited, and facilitate and measure the effectiveness of advertisements and web searches. We treat information collected by cookies and other technologies as non personal information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by Nigerian law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Privacy Policy. Rich-Oak also uses cookies and other technologies to remember personal information when you use our website, online services, and applications. Our goal in these cases is to make your experience with Rich-Oak more convenient and personal. For example, knowing your first name lets us welcome you the next time you visit the Rich-Oak App. And knowing your contact information, hardware identifiers, and information about your computer or device helps us personalize your operating system and Services. You may also set your browser to block all cookies, including cookies associated with our services, or to indicate when a cookie is being set by us. Please note that certain features of the Rich-Oak website will not be available once cookies are disabled. As is true of most internet services, we gather some information automatically and store it in log files. This information includes Internet Protocol (IP) addresses, browser type and language, Internet service provider (ISP), referring and exit websites and applications, operating system, date/time stamp, and clickstream data. We use this information to understand and analyze trends, to administer the site, to learn about user behaviour on the site, to improve our product and services, and to gather demographic information about and from our user. Rich-Oak may use this information in our marketing and advertising services.

How we use your personal information

We will only collect the information that is necessary for its specified, concrete, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes. We may process your personal information: for the purposes described in this Privacy Policy, with your consent, for compliance with a legal obligation to which Rich-Oak is subject, for the performance of a contract to which you are party, in order to protect your vital interests, or when we have assessed it is necessary for the purposes of the legitimate interests pursued by Rich-Oak or a third party to whom it may be necessary to disclose information.

If you do not wish to receive offers or other notices from us in the future, you can "opt out" by contacting us as indicated at the end of this Privacy Policy or by following the "unsubscribe" instructions in any communication you receive from us. Please be aware that you are not able to opt out of receiving communications about your Rich-Oak account or related transactions with us.

Disclosure to Third Parties

At times Rich-Oak may provide third parties with certain personal information to provide or improve our products and services, including to deliver products at your request, or to help Rich-Oak market to consumers. When we do, we require those third parties to handle it in accordance with relevant laws. Personal information will never be shared with third parties for their marketing purposes. For example, when you download and register an account on your handheld device, you authorize Rich-Oak and Operating System developer be it App Store (iOS), Google Play Store (Android), etc. to exchange the information you provide during the activation process to carry out service, including information about your device. If you are approved for service, your account will be governed by Rich-Oak and your Operating System’s respective privacy policies.

Integrity and Retention of Personal Information

Rich-Oak makes it easy for you to keep your personal information accurate, complete, and up to date. We will retain your personal information for the period necessary to fulfil the purposes outlined in this Privacy Policy and our service specific privacy summaries. When assessing these periods, we carefully examine our need to collect personal information at all and if we establish a relevant need, we only retain it for the shortest possible period to realize the purpose of collection unless a longer retention period is required by law.

Access to Personal Information

You can help ensure that your contact information and preferences are accurate, complete, and up to date by signing in to your Rich-Oak ID account page. For other personal information we hold, we will provide you with access (including a copy) for any purpose including to request that we correct the data if it is inaccurate or delete the data if Rich-Oak is not required to retain it by law or for legitimate business purposes. We may decline to process requests that are frivolous/vexatious, jeopardize the privacy of others, are extremely impractical, or for which access is not otherwise required by local law. We may also decline aspects of deletion or access requests if we believe doing so would undermine our legitimate use of data for anti-fraud and security purposes as described earlier. Online tools for the exercise of access, deactivation/restriction, correction, or deletion requests are available on our site.

Compliance and cooperation with regulatory authorities

We regularly review our compliance with our Privacy Policy. We also adhere to several self-regulatory frameworks. When we receive formal written complaints, we will contact the person who made the complaint to follow up within forty-two (42) days. We work with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that we cannot resolve with our users directly.

Changes

Our Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any privacy policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of privacy policy changes). We will also keep prior versions of this Privacy Policy in an archive for your review.

Retention

We retain personal information for the period necessary for the purpose of the information collection described in this Policy or any separate Policy provided for a specific product or the Service, or as required by applicable laws. Detailed retention periods are specified in the specific service or related product page. We will cease to retain and delete or anonymize personal information once the purpose of collection is fulfilled, or after we confirm your request for erasure, or after we terminate the operation of the corresponding product or service. An exception to this is personal information that we are processing for public interest, scientific, historical research or statistical purposes. We will continue to retain this type of information for longer than its standard retention period, where permitted based on applicable laws or your request, even if further data processing is not related to the original purpose of collection.

Summary

Ultimately, what we want is the best for all our users. Should you have any questions with our data handling practices as summarized in this Privacy Policy, please contact security@rich-oak.com to address your specific concerns. We will be happy to hear from you. If you have an unresolved privacy or data use concern that we have not addressed to your satisfaction, please do not hesitate to contact us within 14 days of such feedback or resolution at admin@rich-oak.com. If you no longer wish to allow us sharing this information, please contact us at security@rich-oak.com.

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