Privacy Policy

1. Introduction
  • 1.1This privacy policy applies to the Cellulant website, or Tingg website, or Agrikore website. In this Privacy Policy, “we”, “us” or “our” refers to Cellulant Nigeria Limited and its successors, agents and assigns, while “you”, “your” refers to you and/or any person who subscribes for, uses or authorizes the use of the Service.
  • 1.2 As a user of Cellulant [or Tingg or Agrikore websites], you accept this Privacy Policy when you sign up for, or use our products, services, content, technologies or functions offered on our website and all related sites and services (Cellulant Services).
  • 1.3 This Privacy Policy is intended to govern the use of Cellulant’s Services by users (including, without limitation those who use these Services in the daily course of their trade, practice or business) unless otherwise agreed through contract.
  • 1.4 We may amend this Privacy Policy at any time by posting a revised version on our webpages. The revised version will become effective as of the published date. Furthermore, if any revised version includes a substantial change in terms, users shall be informed via a notice posted on the “Policy Updates” page of our website.
  • 1.5 Our Privacy Policy explains our user’s privacy rights regarding
    • What information we collect
    • Why we collect such information
    • The use of such information
    • The storage, sharing and protection of such information
2. Collecting Personal Information

Cellulant or any of its authorized agents may collect your personal information in order to provide you with access and use of Cellulant’s Services. This information may be collected automatically, via third party sources or as provided by you.

  • 2.1 Automatic Information

    When you use Cellulant’s Services, Cellulant or its authorized agent may collect information sent to us by your computer, mobile phone or other access device. The information sent 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.
    • Anonymous information may also be collected through the use of cookies and web beacons.
  • 2.2 Provided Information

    2.2.1 Cellulant or any of its authorized agents may collect and store any information which you provide us with when you use Cellulant’s 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 we otherwise correspond with you regarding Cellulant’s Services.
  • 2.2.2 When you use Cellulant’s Services, we may also collect information about your transactions and your activities. In addition, if you open a “Tingg/Agrikore” account or use Cellulant’s Services, we may collect the following types of information:

    • Contact information, such your name, address, phone, email and other similar information.
    • Financial information, such as the full bank account numbers and/or Credit/Debit card numbers that you link to your Tingg/Agrikore account.
  • 2.2.3 We may also collect information about you from other sources, such as through your contact with us, your results when you respond to a survey, your interactions with the Cellulant Company.

  • 2.3 Third Party Sources

    2.3.1 We may also obtain information about you from third parties such as credit bureaus and identity verification services.

  • 2.3.2 Customers may also choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). Such information varies by site and is controlled by that site. By associating a third-party account managed by a third party with your Cellulant account and authorizing Cellulant to have access to this information, you agree that Cellulant may store and use this information in accordance with this Privacy Policy.
3. Accessing Your Personal Information
  • 3.1 When accessing our Website or Tingg/Agrikore account, we may collect information about you and your interactions with Cellulant’s Services to which we undertake to keep secure and confidential.
  • 3.2 We may offer you the ability to connect with Cellulant’s Services using a mobile device, either through a mobile application (app) or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.
  • 3.3 When you download or use our mobile 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.
4. Use of Personal Information
  • 4.1 Personal Information is any information relating to Cellulant, or any of its Customers, received or held by Cellulant or its authorizedAgent (which has been transferred disclosed or obtained orally, visually, electronically or by any other means) in connection with the Authorized Services and includes, without limitation, personal information concerning the Customer’s Tingg/Agrikore Account, the Customer’s transaction information and details and all other information acquired by Cellulant or its Agent, its employees, affiliates, contractors etc., in connection with the installation, use, operation and maintenance of any system or materials provided by Cellulant in connection with the Mobile Money Service.
  • 4.2 Cellulant collects personal information in order to provide users with a secure, smooth, efficient, and customized experience. Additionally, the information collected may also be used to:
    • Provide Cellulant Services and customer support;
    • Process transactions and send notices about transactions;
    • Verify customers identity, including during account creation and password reset processes;
    • Resolve disputes, collect fees, and troubleshoot problems;
    • Manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
    • Detect, prevent or remediate violations of policies or applicable user agreements;
    • Improve Cellulant’s Services by customizing user experience;
    • Measure the performance of Cellulant Services and improve their content and layout;
    • Manage and protect information technology infrastructure;
    • Provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on communication preferences;
    • Contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging;
    • Perform creditworthiness and solvency checks, and compare information for accuracy and verify it with third parties.
  • 4.3 Additionally we may contact you via electronic means 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.
  • 4.4 We may also contact you to offer coupons, discounts and promotions, and inform you about Cellulant or its group services.
  • 4.5 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, autodialled or pre-recorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.
5. Protection and Storage of Personal Information
  • 5.1 We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration.
  • 5.2 We utilize encryption security standards to ensure the transmission of data to or from you by means of
  • 5.3 For security reasons and to protect the security of your information, access to our various websites is restricted to authorized users only. However, because information about you, your account data and other transactions can be accessed through a public network (the Internet), there can be no guarantee that your account information will remain secure and you accept the risk that unauthorized persons may view such information. If you believe that an unauthorized person has accessed your information, please contact us immediately.
  • 5.4 For clarity purposes please note that we do not consider personal information to include information that has been made anonymous such that it does not identify a specific user.
6. Sharing Personal Information with Other Cellulant Users
  • 6.1 When transacting with others, we may provide those parties 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.
  • 6.2 If someone is sending you money and enters your email address or phone number, we will provide them your registered name so they can verify they are sending the money to the correct account.
  • 6.3 We work with third parties, including merchants, to enable them to accept or send payments from or to you using Cellulant’s Services. 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 Cellulant’s customer and that such payment is enabled, or to send you notification of payment status. Also, if you request that we validate your status as a Cellulant customer with a third party, we will do so.
  • 6.4 Please note that merchants, sellers, and other users you buy from or contract with have their own privacy policies, and Cellulant does not allow the other transacting party to use this information for anything other than providing Cellulant Services, and as such Cellulant is not responsible for their actions, including their information protection practices.
  • 6.5 We will not disclose your credit/debit card number or bank account number to anyone you have paid or who has paid you using Cellulant’s Services, or with the third parties that offer or use Cellulant’s Services, except with your express permission or if we are required to do so to comply with credit/debit card rules, a subpoena, or other legal processes.
7. Sharing Personal Information with Third Party
  • 7.1 Data about you that is accessible to you by means of Tingg or Agrikore, including your personal data, can become subject to the legal systems and laws in force in the country where the data is held, received or stored by you or us. Such data can become subject to disclosure pursuant to the laws of the country.
  • 7.2 We may reveal your name and other personal data and other monetary data about you at the request of regulatory agency or in connection with an examination of us as an Organization. This information could be revealed to internal and external attorneys or auditors, and to others whom we are required to make such revelations.
8. Disclosures
  • 8.1 We may share your personal information with:
    • Members of the Cellulant company 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 the group 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 product. These financial institutions may only use this information to market Cellulant related products, unless you have given consent for other uses.
    • Credit bureaus and collection agencies to report account or credit information, as permitted by law.
    • Banking partners as required by credit/debit card association rules for inclusion on their list of terminated merchants.
    • 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 Cellulant or one of its agents; when we need to do so to comply with law; 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.
  • 8.2 Other unaffiliated third parties, for the following purposes
    • Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.
    • Customer Service: for customer service purposes, including to help service your accounts or resolve disputes.
    • Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
    • Service Providers: 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.
  • 8.3 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 Tingg or related wallet 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 Cellulant’s 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. Cellulant is not responsible for the content or information practices of such third parties.
9. Cross Border Transfer of Personal Information

9.1 Cellulant is committed to adequately protecting your personal information regardless of where the data resides and to providing appropriate protection for your personal information where such data is transferred across borders, including outside of Nigeria.

10. Marketing

10.1 We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize Cellulant’s Services, content, and advertising.

11. The Use of Cookies and Similar Technologies

11.1 When you access our websites or use Cellulant’s Services, we may place small data files on your computer or other device. These data files may be cookies, pixel tags, "Flash cookies," or other local storage provided by your browser or associated applications (collectively referred to as "Cookies"). These technologies are used to recognize users as customers; customize Services, content, and advertising; measure promotional effectiveness; help ensure that account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across Cellulant Services and related sites.

11.2 Users can freely decline our Cookies if the web 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 websites and Cellulant’s Services.

12. Contact Us About Privacy Questions and Your Information

12.1 If you have questions or concerns regarding this Privacy Policy, or you need information concerning your Personal Information, you should contact us