OUR COMMITMENT TO POLICY
KDRide focuses on the following core principles:

• Empowering Individuals: We believe in giving you control over your Personal Data and respecting your autonomy to make voluntary choices about it.
• Protecting and Securing Personal Data: We understand the importance of safeguarding your information. We take proactive measures to ensure that appropriate security protocols are in place to protect your Personal Data from unauthorized access or misuse.
• Transparency and Education: We are committed to providing transparency regarding the collection, use, and security of Personal Data. We aim to educate our users about what Personal Data is, how it is collected, the purposes for which it is used, and the measures taken to secure it.
• Compliance with Local Laws: As a company, we adhere to local privacy laws and regulations in the country where we operate. Our privacy practices may vary based on local requirements, and specific privacy notices may apply to certain products or services.
• Ensuring Data Accuracy: We take steps to ensure that the Personal Data we collect is accurate, relevant, and up to date.
• Minimal Data Collection: We only collect and store Personal Data that is necessary to provide our services to you. Any storage or retention of Personal Data is done in accordance with applicable laws and retention requirements.
  

1. Personal data we may collect about you
At KDRide, we may collect, use, or process various types of Personal Data to provide our Services
effectively. These include:

• Identity Data: This encompasses information such as your full name, government-issued identity number, and date of birth. We collect this data to verify your identity and ensure compliance with regulatory requirements like Know Your Customer (KYC) and Anti-Money Laundering Laws (AML).
• Contact Data: This includes details such as your country of residence, contact address, email address, contact number, and device details. We use this information to reach out to you and facilitate the provision of our Services.
• Log/Technical Data: When you access our Services, our servers automatically record information such as links clicked, page interaction, IP address, location, and device details.
• Financial Data: Information like bank account details, card information, and transaction details are collected when using our payment processing Services.
• Transactional Data: This pertains to information related to payments or transactions conducted through our Services.
• Marketing and Communications Data: This covers your subscription preferences for marketing materials and records of communication with us.
• Records of Discussions: We may retain records of discussions with you, whether initiated by us or you.
• Non-Personal Data: We may also collect, store, use, and transfer non-Personal Data or anonymized data for statistical or demographic purposes.

As a principle, we do not collect Sensitive Personal Data. However, if collected, we ensure compliance with Data Protection Legislation.

This Privacy Notice applies specially to KDRide's Services. We do not control third-party websites linked from within our Services. These sites may have their own privacy practices, and we advise consulting their privacy statements and setting appropriate controls when using such services.

This Privacy Notice applies to KDRide Services only. We do not exercise control over the sites displayed or linked from within our various Services. These other sites may place their own cookies, plug-ins or other les on your computer, collect data or solicit personal information from you. We do not control these third-party websites and we are not responsible for their privacy statements. Please consult such third parties’ privacy statements and set appropriate controls from your settings when using any third-party services.

2. How we get your personal data and why we have it
The Personal Data we have about you is directly made available to us when you:

• Sign up or register to use a KDRide Account;
• Use any of our Services or receive transfers through any of our Services;
• Contact our customer support team or correspond with us;
• fill in our online forms or respond to surveys;
• Apply for employment opportunities we advertise;
• Register for and attend our webinars, events or online discussions;
• Contact us for other reasons.

We may also collect Personal Data about you from third party sources, such as merchants, fraud prevention agencies, identity verification providers, analytics providers and other publicly available sources such as online directories and websites for due diligence checks.

3. Legal Basis for Processing Personal Data
Our legal basis for processing your Personal Data includes:

• Your Consent: By providing your consent, you agree to us collecting and using your Personal Data for specified purposes.
• Contractual Obligation: We process your Personal Data to fulfill our contractual obligations and provide the Services you request. Without this data, we may be unable to provide the requested Services.
• Legal Obligation: We have a legal obligation to comply with relevant laws, regulations, and requirements, including those related to fraud prevention, identity verification, anti-money laundering, counter-terrorist financing, and proliferation financing. To meet these obligations, we must collect and store your Personal Data .
• Legitimate Interest: In certain cases, we may process your Personal Data based on our legitimate interests as a business, provided such processing is permitted by law. This may include sharing your data with our affiliates or partners to improve our services and enhance your user experience.
  If you have any questions about the legal basis for processing your Personal Data, please contact us.
  

4. How we may use your personal data
We may use your Personal Data that we collect to:

• Create and manage any Accounts you may have with us, verify your identity, provide our Services, and respond to your inquiries.
• Process your payment and other transactions (including authorization, clearing, chargebacks and other related dispute resolution activities) and provide other payment related services to you.
• Protect against and prevent fraud, un-authorized transactions, claims and other liabilities.
• Communicate with you about products, newsletters, advertisements, offers, programs and promotions of KDRide, financial institutions, merchants and other partners. You have the right to opt-out of this at any time.
• Send communication on service updates (downtime, service support, regulatory notices, etc.).
• Communicate with you to resolve an inquiry, complaint or concerns with your Account. We also use your contact data to send you one-time passwords (OTP) for account authentication via short messaging service (SMS), email, WhatsApp or other electronic mediums.
• Evaluate and improve our business, including developing new products and Services;
• Establish, exercise and defend legal rights, as necessary.
• Comply with applicable laws and regulations, including for compliance with Know-Your-Customer, Know-Your-Business, Anti-Money Laundering, anti-corruption, fraud monitoring, sanctions screening and risk assessment requirements, or as requested by any judicial process, law enforcement or governmental agencies having or claiming jurisdiction over KDRide or KDRide’s affiliates.
• Use data analytics to improve our website, products or Services, user experience and to optimize our Services.
• If you register for and/or attend any KDRide’s sponsored events, we collect your registration and contact details to complete your registration. We may also collect your images, in video or still form, audio-visual recordings or other forms of digital information gathered at such events by the media team and use them for promotion, publication or marketing of the event as KDRide may determine.
• Employment: If you apply for employment with KDRide, we use your Personal Data to evaluate your interest in employment, for compliance checks and to contact you regarding possible employment with KDRide.
• For other purposes, for which we provide specific notices at the time of collection.

5. Your data protection rights 
Under the Data Protection Legislation, you, as a User, have certain rights concerning your Personal Data. These rights include:

• Right to Information: You have the right to be informed about how we process your data. This Privacy Notice serves to explain our privacy practices.
• Right to Access: You can request access to your Personal Data by signing into your Account or contacting us. However, we will not provide you with personal data belonging to other individuals.
• Right to Erasure: You have the right to request the deletion or erasure of your Personal Data, except where legal justification for processing exists, such as regulatory requirements or to prevent future contact for marketing purposes.
• Right to Rectification: You can request correction or rectification of any incorrect, out-of-date, or inaccurate Personal Data. You also have the right to update incomplete or outdated information.
• Right to Opt-Out: You can opt-out of direct marketing communications by adjusting your notification preferences on our Sites or using the unsubscribe link in marketing emails.
• Right to Object: You have the right to object to or restrict the processing of your Personal Data in certain circumstances. However, this may affect our ability to provide Services to you.
• Right to Withdraw Consent: You have the right to withdraw consent previously given for the processing of your Personal Data.
• Right to Non-Automated Decision-Making: Your data will not be subject to decisions based solely on automated processing.
• Right to Data Portability: You can request the transfer of your Personal Data across different Services we provide or to another company in a structured, machine-readable format, subject to technical feasibility.

Exercising your rights is at no cost to you. However, we reserve the right to refuse or charge a reasonable fee for requests that are excessive, manifestly unfounded, or impose unreasonable costs on KDRide. If applicable, we will inform you before proceeding with your request.

To exercise any of these rights, please contact us at support@KDRideocial.com. We may require proof of your identity for security purposes before processing your request. If a third party acts on your behalf, we will need sufficient authorization from you.
If we decide to charge a fee, we will inform you before processing your request.

6. Disclosing your Personal Data
We may disclose or share your Personal Data with third parties as may be reasonably necessary for the purposes set out in this Notice.

We share Personal Data with external third parties in the following limited circumstances:

• We provide such information to our subsidiaries or affiliated entities for the purpose of processing Personal Data on our behalf. We require that these parties agree to process such information based on our instructions, implement appropriate confidentiality and security measures and comply with the Data Protection Legislation.
• We share your data with our third party providers or service providers, financial partners or suppliers for the purpose of effectively providing our Services to you. These services include identity verification and fraud prevention, customer service and support, analytics, payment facilitation by our banking and financial service partners including the card networks, communication service providers and information technology services.
• We may share your Personal Data to comply with a subpoena, court order, summons, police or other law enforcement agencies, regulatory requests as required by law
• We may share your Personal data where disclosure is reasonably necessary to:
  • Satisfy any applicable law, regulation, legal process or enforceable governmental request;
  • Detect or prevent fraud including investigation of potential violations to our Terms of use.
  • Detect, prevent, or otherwise address security or technical issues, or
  • Protect against imminent harm to the rights, property or safety of KDRide, its Users or the public as required or permitted by law.
• We have your consent. In some instances, we may provide a service through a third party, which would require us to share your Personal Data to third parties authorized by you to receive such Information The use of your Personal Data by an authorized third party is subject to the third party's Privacy Notice and KDRide shall bear no liability for any breach which may arise from such authorization by you.
• If KDRide becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we may share your Personal Data with parties involved in the transaction and any entity that acquires our business will continue to process your Personal Data in line with this Privacy Notice, or a revised version which we will communicate to you.

7. Data Security and Retention

The security of your Personal Data is important to us at KDRide. We are committed to protecting the information we collect. We maintain administrative, technical and physical controls designed to protect the Personal Data you provide, or we collect against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse or modification.

Other security measures include but are not limited to, secure servers, firewalls, data encryption and granting access only to specific employees in order to fulfil their job responsibilities.

When you use any of your Accounts, we implore you to always use strong passwords (a combination of letters, numbers, upper and lower cases and special characters), enable two-factor authentication on your Accounts, ensure you do not share your password with anyone, and that your login credentials are kept confidential at all times.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of your Personal Data is protected and maintained. We would take all reasonable steps to ensure that your Personal Data is secured and well protected.

We will only retain Personal Data on our servers for as long as is reasonably necessary as long as we are providing Services to you. If you close your Account, your data is stored on our servers to the extent necessary to comply with regulatory and Anti-Money Laundering obligations and for the purpose of fraud monitoring, detection and prevention. Where we retain your Personal Data, we do so in compliance with limitation periods or retention obligations imposed by applicable law.

8. Marketing:
We may process your Personal Data in order to contact you or send you marketing content and communication about our products, Services or surveys, where we have obtained your consent. You may exercise your right to object to such contact from us or opt out from the marketing communication. Please note however that if you opt-out of marketing content, we may still send you messages relating to transactions and our Services, related to our ongoing business relationship.

We may ask you for permission to send notifications to you.

9. Cookies
Like many other websites, we use cookies to distinguish you from other Users, to measure your engagement with our website and to customize and improve our Services. Depending on how you manage your cookies settings and preferences, we may place cookies on your device when you visit our website. We will only place advertising and analytics cookies if you consent or accept these cookies. Some browsers may automatically accept cookies, while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable non-essential cookies, it may limit your ability to get a full experience of our website.

10. Information from Minors

KDRide’s services and applications are not directed at persons under the age of eighteen (18) and we do not collect any Personal Data knowingly or directly from individuals who fall within this category.
If we obtain actual knowledge that we have collected personal information from a child under the age of 18, we will promptly delete it, unless we are legally obligated to retain such data. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 18.

11. Updates to our privacy notice

From time to time, we may change, amend or review this Privacy Notice to reflect new Services or changes and place any updates on this page. All changes made will be posted on this page and where changes will materially affect you, we will notify you of this change by placing a notice online, or via email.

12. Contact Us

KDRide has appointed a Data Protection Officer (DPO) responsible for overseeing compliance with the Data Protection Legislation. To exercise your rights or if you have any inquiries, comments or concerns with our privacy practices, please contact us at support@kdrideofficial.com. We will investigate and work on resolutions for your concerns within thirty (30) days and/or in accordance with the Data Protection Legislation.

Where we require more time to resolve your inquiry, we would communicate with you. We may request additional details from you regarding your inquiries and keep records of your requests and resolution.

Definitions

Account: means a profile created by a User on any KDRide product.

Cookies: A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic, number of times you visit, browser type and version, device details, date and time of visits.

Data Protection Legislation: means the Nigeria Data Protection Act 2023, Nigeria Data Protection Regulation 2019 and/or any other applicable legislation on the protection of personal data in Nigeria.

Personal Data: Any information that can be used to identify a living or natural person including email address, date of birth, mobile number, residential address, payment card, financial information such as bank account number, etc.), government-issued Identity credentials (e.g, national ID number, international passport, driver’s licence number, etc), or taxpayer identification number. It may also include information that is linked to you, for example, your internet protocol (IP) address, log-in information, information about your device or device’s web browser.

Services: means any products, applications, features, related websites, tools, software, offerings or any service offered by KDRide to you or accessed by you.

Sites: means any platform including but not limited to mobile applications, websites and social media platforms.

User: means an entity (“merchant”) or individual, who uses the Services or accesses the Sites, and has agreed to use the end services of KDRide .

Sensitive Personal Data: means details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, genetic,biometric data or any other category defined from time to time by the applicable Data Protection Legislation.