Scope and Consent You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively “SchoolCoin Services”).
This Privacy Policy is intended to govern the use of SchoolCoin Services by our users (including, without limitation those who use the SchoolCoin Services in the course of their trade or business) unless otherwise agreed through contract.
We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date. In addition, if the revised version includes a substantial change, we will provide you with at least 30 days’ prior notice by posting notice of the change on the “Policy Updates” page of our website. After this 30-day notice period, you will be considered as having expressly consented to all amendments to this Privacy Policy.
Collection of Personal Information
We collect the following types of personal information in order to provide you with the use of SchoolCoin Services, and to help us personalize and improve your experience.
Information we collect automatically:
When you use SchoolCoin Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes, but is not limited to, the following:
data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information. We also collect anonymous information through our use of cookies and web beacons.
Information you provide to us:
We may collect and store any information you provide us when you use SchoolCoin Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding SchoolCoin Services.
When you use SchoolCoin Services, we also collect information about your transactions and your activities. In addition, if you open a SchoolCoin account or use SchoolCoin Services, we may collect the following types of information:
Contact information, such as your name, address, phone, email and other similar information.
Financial information, such as the full bank account numbers, credit or debit card numbers that you link to your SchoolCoin account or give us when you use SchoolCoin Services.
Detailed personal information such as your date of birth or national ID number.
We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the SchoolCoin organisation or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole).
Additionally, for quality and training purposes or for its own protection, SchoolCoin may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with SchoolCoin, you acknowledge that your communication may be overheard, monitored, or recorded without further prompts.
Information from other sources:
We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site.
Authentication and Fraud Detection:
In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with SchoolCoin Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity. Using Your Mobile Device: We may offer you the ability to connect with SchoolCoin Services using a mobile device, either through a mobile or desktop application or via a mobile optimized website.
The provisions of this Privacy Policy apply to all such digital access and use of computer devices. When you download or use our applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s setting’s menu. If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.
How We Use the Personal Information we collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information for:
Provision of SchoolCoin Services and customer support
Processing transactions and sending notices about your transactions; ·
Identity verification including during account creation and password reset processes;
Dispute resolution, fee collection and troubleshooting problems;
Risk management or for detection, prevention, and/or remediation of fraud or other potentially prohibited or illegal activities;
Detection, prevention or remediation of violations of policies or applicable user agreements; Improvement of SchoolCoin Services by customizing your user experience;
Measurement of the performance of SchoolCoin Services and improvement of their content and layout; Management and protection of our information technology infrastructure;
Provision of targeted marketing and advertising, provision of service update notices, and delivering of promotional offers based on your communication preferences;
Contacting you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement;
Performing creditworthiness and solvency checks, comparing information for accuracy and verify it with third parties.
We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you to offer coupons, discounts and promotions, and inform you about SchoolCoin Services and the services of our corporate family. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive autodialed or prerecorded calls and text messages as described in our User Agreement. Where applicable and permitted by law, you may decline to receive certain communications.
Marketing
We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your personal information with information we collect from other companies and use it to improve and personalize SchoolCoin Services, content, and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notifications section and updating your preferences, or by following the directions that may be provided within the communication or advertisement.
We respect your communication preferences. If you no longer wish to receive notifications via our application, you can adjust your preferences by visiting the settings page of the application.
How We Use Cookies and Similar Technologies
When you access our website or use SchoolCoin Services, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, e-tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively “Cookies”). We use these technologies to recognize you as a customer; customize SchoolCoin Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our sites and SchoolCoin Services. You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our website and SchoolCoin Services.
How We Protect and Store Personal Information
Throughout this Privacy Policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user. We store and process your personal information on our computers on a secure server in Accra Ghana We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.
How We Share Personal Information with Other SchoolCoin Users
When paying a fee to your school, we may provide the school and payment facilitator (e.g MasterCard/VISA) with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction. We work with third parties, including merchants, to enable transacting parties to accept or send payments from or to you using SchoolCoin. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a SchoolCoin customer and that SchoolCoin as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a SchoolCoin customer with a third party, we will do so. If you link your loyalty or gift card of a SchoolCoin merchant to your account, we may share your card number with that merchant when you pay using SchoolCoin. Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and although SchoolCoin’s user agreement does not allow the other transacting party to use this information for anything other than providing SchoolCoin Services, SchoolCoin is not responsible for their actions, including their information protection practices. Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using SchoolCoin, or with the third parties that offer or use SchoolCoin Services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.
How We Share Personal Information with Other Third Parties
We may share your personal information we collect from you, including your name, contact details, and transactions and activities, with:
Members of the SchoolCoin group of companies.
Paystack, to provide joint content, products, and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications.
Members of our corporate family will use this information to send you marketing communications only if you have requested their services.
Financial institutions that we partner with to jointly create and offer a service (including but not limited to, the banks) financial institutions may only use this information to market SchoolCoin-related products, unless you have given consent for other uses.
Credit bureaus and collection agencies to report account information, as permitted by law.
Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having SchoolCoin close your SchoolCoin Account due to your breach of the SchoolCoin User Agreement).
Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to SchoolCoin or one of its affiliates; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
Other unaffiliated third parties, for the following purposes:
Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk. For example, if you use the SchoolCoin Services to launder illegally acquired funds·
Customer Service: for customer service purposes, including to help service your accounts or resolve disputes (e.g., billing or transactional).
Legal Compliance: to help them comply with anti-money laundering and counter terrorist financing verification requirements.
Service Providers (i.e. Schools, FinTechs and other payment facillitators): to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
Other third parties with your consent or direction to do so.
Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country. If you open a SchoolCoin account directly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a SchoolCoin website) will be shared with the owner of the third party website or application. These sites are governed by their own privacy policies and you are encouraged to review their privacy policies before providing them with personal information. SchoolCoin is not responsible for the content or information practices of such third parties.
How You Can Access or Change Your Personal Information
You can review and edit your personal information at any time by logging in to your account and reviewing your account settings and profile. You can also close your account through the SchoolCoin website. If you close your SchoolCoin account, we will mark your account in our database as “Closed,” but may retain personal information from your account for a certain period of time and disclose it in a manner consistent with our practices under this Privacy Policy for accounts that are not closed. We also may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law. 10 Back to top How You Can Contact Us about Privacy Questions If you have questions or concerns regarding this Privacy Policy, you should contact us via email at schoolcoin.inc@gmail.com