information when you use the service and tells you about your privacy rights and how the law protects
Users reserve the right to exercise their privacy and data protection rights under any applicable law or
Interpretation and Definitions
The words of which the initial letter is capitalized have meanings defined under the following
conditions. The following definitions shall have the same meaning regardless of whether they appear in
singular or in plural.
Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where
"control" means ownership of 50% or more of the shares, equity interest or other securities entitled to
vote for election of directors or other managing authority.
Application means the software program provided by the Company downloaded by You on any electronic
device, named FinEstate
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to
Cookies are small files that are placed on Your computer, mobile device or any other device by a
website, containing the details of Your browsing history on that website among its many uses.
Country refers to: Nigeria
Device means any device that can access the Service such as a computer, a cell phone or a digital
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Application or the Website or both.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It
refers to third-party companies or individuals employed by the Company to facilitate the Service, to
provide the Service on behalf of the Company, to perform services related to the Service or to assist
the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from
the Service infrastructure itself (for example, the duration of a page visit).
Website refers to FinEstate, accessible from
You means the individual accessing or using the Service, or the company, or other legal entity on behalf
of which such individual is accessing or using the Service, as applicable.
Changes to this Policy
version on our website. The new version will take effect on the date of publication.
In addition, if any revised version has a significant change in terms, Users will be notified through
email (delivered to the email address registered in your account) and a notice on the FinEstate
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the
usage of our Service.
To manage Your Account: to manage Your registration as a user of
the Service. The Personal Data You provide can give You access
to different functionalities of the Service that are available
to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase
for the products, items or services You have purchased or of any other contract with Us through the
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of
electronic communication, such as a mobile application's push notifications regarding updates or
informative communications related to the functionalities, products or contracted services, including
the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and
events which we offer that are similar to those that you have already purchased or enquired about unless
You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture,
restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets,
whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which
Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis,
identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and
improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
With Service Providers: We may share Your personal information
with Service Providers to monitor and analyze the use of our
Service, to contact You.
For business transfers: We may share or transfer Your personal
information in connection with, or during negotiations of, any
merger, sale of Company assets, financing, or acquisition of all
or a portion of Our business to another company.
With Affiliates: We may share Your information with Our
affiliates, in which case we will require those affiliates to
and any other subsidiaries, joint venture partners or other
companies that We control or that are under common control with
With business partners: We may share Your information with Our
business partners to offer You certain products, services or
With other users: when You share personal information or
otherwise interact in the public areas with other users, such
information may be viewed by all users and may be publicly
With Your consent: We may disclose Your personal information for
any other purpose with Your consent.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as
will retain and use Your Personal Data to the extent necessary
to comply with our legal obligations (for example, if we are
required to retain your data to comply with applicable laws),
resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis
purposes. Usage Data is generally retained for a shorter period
of time, except when this data is used to strengthen the
security or to improve the functionality of Our Service, or We
are legally obligated to retain this data for longer time
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any
other places where the parties involved in the processing are located. It means that this information
may be transferred to — and maintained on — computers located outside of Your state, province, country
or other governmental jurisdiction where the data protection laws may differ from those from Your
of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in
organization or a country unless there are adequate controls in place including the security of Your
data and other personal information.
Disclosure of Your Personal DataBusiness Transactions
If the Company is involved in a merger, acquisition or asset
sale, Your Personal Data may be transferred. We will provide
notice before Your Personal Data is transferred and becomes
Under certain circumstances, the Company may be required to
disclose Your Personal Data if required to do so by law or in
response to valid requests by public authorities (e.g. a court
or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith
belief that such action is necessary to:
- Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with
Protect the personal safety of Users of the Service or the
- Protect against legal liability
- Security of Your Personal Data
The security of Your Personal Data is important to Us, but
remember that no method of transmission over the Internet, or
method of electronic storage is 100% secure. While We strive to
use commercially acceptable means to protect Your Personal Data,
We cannot guarantee its absolute security.
Our Service does not address anyone under the age of 13. We do
not knowingly collect personally identifiable information from
anyone under the age of 13. If You are a parent or guardian and
You are aware that Your child has provided Us with Personal
Data, please contact Us. If We become aware that We have
collected Personal Data from anyone under the age of 13 without
verification of parental consent, We take steps to remove that
information from Our servers.
If We need to rely on consent as a legal basis for processing
Your information and Your country requires consent from a
parent, We may require Your parent's consent before We collect
and use that information.
Links to Other Websites
Our Service may contain links to other websites that are not
operated by Us. If You click on a third party link, You will be
directed to that third party's site. We strongly advise You to
We have no control over and assume no responsibility for the
content, privacy policies or practices of any third party sites
The information contained on the Service is for general information purposes only.
FinEstate assumes no responsibility for errors or omissions in the contents of the Service.
In no event shall FinEstate be liable for any special, direct, indirect, consequential, or incidental
damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising
out of or in connection with the use of the Service or the contents of the Service. FinEstate reserves
the right to make additions, deletions, or modifications to the contents on the Service at any time
without prior notice.
FinEstate does not warrant that the Service is free of viruses or other harmful components.
The Service may contain links to external websites that are not provided or maintained by or in any
way affiliated with FinEstate.
Please note that FinEstate does not guarantee the accuracy, relevance, timeliness, or completeness of
any information on these external websites.
Errors and Omissions
The information given by the Service is for general guidance on matters of interest only. Even if
FinEstate takes every precaution to ensure that the content of the Service is both current and
accurate, errors can occur. Plus, given the changing nature of laws, rules and regulations, there may
be delays, omissions or inaccuracies in the information contained on the Service.
FinEstate may use copyrighted material which has not always been specifically authorized by the
copyright owner. FinEstate is making such material available for criticism, comment, news reporting,
teaching, scholarship, or research.
If You wish to use copyrighted material from the Service for your own purposes that go beyond fair
use, You must obtain permission from the copyright owner.
The Service may contain views and opinions which are those of the authors and do not necessarily
reflect the official policy or position of any other author, agency, organization, employer or
company, including FinEstate.
Comments published by users are their sole responsibility and the users will take full responsibility,
liability and blame for any libel or litigation that results from something written in or as a direct
result of something written in a comment. FinEstate is not liable for any comment published by users
and reserves the right to delete any comment for any reason whatsoever.
The information on the Service is provided with the understanding that FinEstate is not herein engaged
in rendering legal, accounting, tax, or other professional advice and services. As such, it should not
be used as a substitute for consultation with professional accounting, tax, legal or other competent
In no event shall FinEstate or its suppliers be liable for any special, incidental, indirect, or
consequential damages whatsoever arising out of or in connection with your access or use or inability
to access or use the Service.
Use with Caution
All information in the Service is provided "as is", with no guarantee of completeness, accuracy,
timeliness or of the results obtained from the use of this information, and without warranty of any
kind, express or implied, including, but not limited to warranties of performance, merchantability and
fitness for a particular purpose.
FinEstate will not be liable to You or anyone else for any decision made or action taken in reliance
on the information given by the Service or for any consequential, special or similar damages, even if
advised of the possibility of such damages.
Tracking Technologies and Cookies
activity on Our Service and store certain information. Tracking
technologies used are beacons, tags, and scripts to collect and
track information and to improve and analyze Our Service. The
technologies We use may include:
Cookies or Browser Cookies. A cookie is a small file placed on
Your Device. You can instruct Your browser to refuse all Cookies
or to indicate when a Cookie is being sent. However, if You do
not accept Cookies, You may not be able to use some parts of our
Service. Unless you have adjusted Your browser setting so that
Flash Cookies. Certain features of our Service may use local
stored objects (or Flash Cookies) to collect and store
information about Your preferences or Your activity on our
Service. Flash Cookies are not managed by the same browser
settings as those used for Browser Cookies. For more information
on how You can delete Flash Cookies, please read "Where can I
change the settings for disabling, or deleting local shared
objects?" available at
Web Beacons. Certain sections of our Service and our emails may
contain small electronic files known as web beacons (also
referred to as clear gifs, pixel tags, and single-pixel gifs)
that permit the Company, for example, to count users who have
visited those pages or opened an email and for other related
website statistics (for example, recording the popularity of a
certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent
Cookies remain on Your personal computer or mobile device when
You go offline, while Session Cookies are deleted as soon as You
We use both Session and Persistent Cookies for the purposes set
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with
services available through the Website and to enable You to use
some of its features. They help to authenticate users and
prevent fraudulent use of user accounts. Without these Cookies,
the services that You have asked for cannot be provided, and We
only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use
of cookies on the Website.
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make
when You use the Website, such as remembering your login details
or language preference. The purpose of these Cookies is to
provide You with a more personal experience and to avoid You
having to re-enter your preferences every time You use the
For more information about the cookies we use and your choices
regarding cookies, please visit our Cookies Policy or the
Third Party Websites
The FinEstate Platform may include links to third-party websites and applications that may be of
interest to you, such as advertisements and external services, that are not linked with us. Any
information you send to these third parties after leaving the FinEstate Platform is not governed by this
Before visiting and sending any information to any third-party websites, you should become familiar with
the third-party responsible for that website's privacy policies and practices (if any), and take
whatever precautions are necessary to ensure the privacy of your information.
We are not responsible for the content, privacy, or security practices and policies of any third
parties, including any other sites, services, or applications linked to or through the FinEstate
We've put in place adequate physical, technological, and administrative procedures (and contractually
require third parties with whom we disclose your information to do the same) to prevent accidental loss,
misuse, or unauthorised access, alteration, or disclosure of your personal data. Furthermore, we
restrict access to your personal information to those employees, agents, contractors, and other third
parties who require it for business purposes. They are only allowed to process your personal data if we
give them permission, and they are bound by a strict confidentiality agreement.
Your personal information's safety is paramount. It's worth noting that no electronic data transfer or
storage mechanism can guarantee 100 percent security. As a result, we endeavor to protect your personal
information using commercially acceptable techniques, but we cannot guarantee its complete security. We
have developed adequate procedures to deal with any suspected personal data breach based on the
preceding, and we will notify you and any applicable regulator of a breach where we are legally required
to do so.
Your Legal Rights
You can exercise certain rights allowed by applicable laws and regulations in connection to the personal
information we hold in specific circumstances. These rights include the ability to:
- provide and withdraw consent;
request access to your personal information;
- request rectification of your personal information;
request erasure of your personal information;
- object to the processing of your personal information;
- request that we restrict the processing of your personal information;
- request the transfer of your personal information to you or a third party; and
- file a complaint with any authority at any time.