- Visit our Site
- Receive or reply to email or other electronic communications from us
- View or click on our ads or other Petra online content
- Interact with us on our social media or the Site
- Use our Applications on or through computers and mobile devices
How We Collect Information
We may also collect your personal information from other sources, such as publicly available databases, providers of demographic information, and social media platforms.
We also collect information through emails. From time to time, we may send you emails about our products and services. Petra and third parties with which we contract may collect information regarding your interaction with these emails, including whether you opened the email, how long you viewed the email, and whether you opened any links in the email.
In addition, we collect “Other Information” about visitors to our Site. Other Information we may collect includes:
- The number of visitors to our Site
- The pages visited on our Site
- The features used
- How long a visitor stays
- The domain name of the Site from which visitors connect to our site
- Browser and device information
- Information collected through cookies, pixel tags, and other technologies
- Information that has been aggregated in a manner such that it no longer reveals your identity
We may also collect Other Information when you download and use an Application. We may track and collect Application usage data, such as the date and time the Application on your device accesses our servers and what information and files have been downloaded to the Application based on your device number.
We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as personal information under applicable law, then we may use and disclose it for the purposes for which we use and disclose personal information as detailed in this Statement. In some instances, we may combine Other Information with personal information. If we do, we will treat the combined information as personal information as long as it is combined.
How We Use Information
We shall take steps designed to ensure that only our employees and agents who need access to your personal information to fulfil their employment duties will have access to it. We may use and disclose your personal or account information for but not limited to the following purposes:
- To provide you with services on the Site;
- To improve the quality of the services of the Site through polls, surveys and other similar feedback gathering activities conducted by Petra and/or third parties;
- To a third-party for further processing for purposes incidental to the use of the Site;
- To create, manage and control your account information, and to verify access rights to the Site;
- To process applications and transactions;
- To prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks;
- To manage your preferences;
- To assess service levels, monitor traffic patterns and gauge popularity of different features and options of the Site;
- To protect against fraud or error, and to respond to claims of any violation of our rights or those of any third parties;
- To allow you to participate in contests, prize draws, or other similar promotions and to administer those activities;
- To respond to your requests for customer service;
- To resolve complaints and handle requests for data access, deletion, or correction
- To protect the rights, property or personal safety of you, us, our users and the public; and
- As required to comply with applicable laws or as authorized by applicable laws.
How We Share Information
We may make personal information collected from you available to:
- A Petra employee or agent or an independent financial professional to provide you with information regarding our service products;
- External service providers/vendors;
- Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of Petra businesses;
- Governmental or other public authorities as permitted or required by law (e.g., regulators, law enforcement);
- Financial and investment institutions.
Information provided by you will be shared across all subsidiaries of Petra Holdings Company Limited namely Petra Trust Company Limited, Petra Fund Services Limited and Petra Securities Limited and other subsidiary of Petra Holdings Company Limited.
We will limit sharing of your information where appropriate and where legally required.
Transfer Of Information
In order to process payments, we utilize third-party payment gateways who will utilize your mobile money account and other payment information in accordance with their respective privacy policies. Petra shall not be liable to you or any other person for any damages that might result from unauthorized use, publication, disclosure, or any other misuse of such payment information, including mobile money account information.
Petra may share your personal information with product providers/owners via third-party integrations. We invite you to review their applicable data protection policies.
Your personal information may be stored and processed in any country where we have facilities or in which we engage third-party service providers.
We may occasionally communicate with you regarding our products, services, news, and events. You have the option to not receive this information. The only kind of these communications that you may not “opt-out” of are those required to communicate announcements related to the services of the Site, including information specific to your Account, planned services suspensions and outages. We will attempt to minimize this type of communication to you.
Age of Consent
The Site is intended for people over 18 years of age, and no one under age 18 may provide any personal information to, on or through the Site. We do not knowingly collect personal information from people under 18 and we will not be held responsible for the use of the Site by a person below 18 years. If you are under 18, do not use or provide any information to, on or through the Site, make any purchases through the Site, use any of the interactive or public comment features, or provide any information about yourself to us, including your name, address, telephone number or email address. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a person under 18, please contact us at [email protected]
Rights to Your Information
You have the right to access and edit your information at any time through the web interface provided as part of the services of the Site. On written request and subject to proof of identity, you may access the personal information that we hold, used or communicated and ask that any necessary corrections be made, where applicable, as authorized or required by law. However, to make sure that the personal information we maintain about you is accurate and up to date, please inform us immediately of any change in your personal information by mail or e-mail.
Under the Data Protection Act, 2012 (Act 843), you may be entitled to additional rights, including: (i) the right to withdraw consent to processing where consent is the basis of processing; (ii) the right to access your personal information and certain other supplementary information, once you have provided a proof of identity; (iii) the right to object to unlawful data processing, under certain conditions; (iv) the right to erasure of personal information about you, under certain conditions; (v) the right to demand that we restrict processing of your personal information, under certain conditions. if you believe we have exceeded the legitimate basis for processing, processing is no longer necessary, are processing, or believe your personal information is inaccurate; (vi) the right to prevent processing of personal data for direct marketing purpose without prior consent from you; (vii) the right to object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you, under certain conditions; (viii) the right to lodge a complaint with data protection authorities. If you want to learn more about your rights under the Data Protection Act,2012 you can visit the Data Protection Agency website.
We may also use your personal information to generate Aggregated Data for internal use and for sharing with others on a selective basis. “Aggregated Data” means records which have been stripped of information potentially identifying users, and which have been manipulated or combined to provide generalized, anonymous information. Your identity and personal information will be kept anonymous in Aggregated Data.
Linking to Third Party Websites
Cookies and Pixel tag
A pixel tag, also known as a clear GIF or web beacon, is an invisible tag placed on certain pages of our Site but not on your computer. When you access these pages, pixel tags generate a generic notice of that visit. They usually work in conjunction with cookies, registering when a particular device visits a particular page. If you turn off cookies, the pixel tag will simply detect an anonymous website visit.
Change of Ownership or Business Transition
In the event of a change of ownership or other business transition, such as a merger, acquisition or sale of our assets, your information may be transferred in accordance with applicable privacy laws. You shall be notified in the event of any such change.
Security and Retention
We will strive to prevent unauthorized access to your personal information, however, no data transmission over the Internet, by wireless device or over the air is guaranteed to be 100% secure. We have implemented and maintain reasonable security procedures and practices (based on the nature of the information we collect) to protect that information from unauthorized disclosure. We will continue to enhance security procedures as new technologies and procedures become available.
We strongly recommend that you do not disclose your password to anyone.
Please remember that you control what personal information you provide while using the Site. Ultimately, you are responsible for maintaining the secrecy of your identification, passwords, and/or any personal information in your possession for the use of the Site. Always be careful and responsible regarding your personal information. We are not responsible for, and cannot control, the use by others of any information which you provide to them and you should use caution in selecting the personal information you provide to others through the Site. Similarly, we cannot assume any responsibility for the content of any personal information or other information which you receive from other users through the Site, and you release us from any and all liability in connection with the contents of any personal information or other information which you may receive using the Site. We cannot guarantee or assume any responsibility for verifying the accuracy of the personal information, or other information provided by any third-party. You release us from any and all liability in connection with the use of such personal information or other information of others.
We will maintain your personal information for as long as they are needed, or as required by applicable laws namely the Data Protection Act, 2012 (Act 843), regulations, or government orders.
Changes to this Policy