We may collect the following information from you as part of the process of providing the Services. The categories of Personal Data We may collect from you includes:

1. Basic Personal Data which may include your full name, citizenship, country of residence, state and local government of residence, date of birth, gender, highest level of education, next of kin, and valid means of identification;
2. Your contact details such as postal address, home address, delivery address, email address, and phone number;
3. Bank details, including account number, National Identity Number (NIN) and Bank Verification Number (BVN)
4. Other Personal Data like pictures and videos of you and your farm
5. Information that you provide by filling in forms on the Website
6. Identifiers assigned to your computer or other devices, including your Internet Protocol (IP) address and other information about your visits to the Website
7. Work details – such as job title, department, company name, company address, personal information of employees who may act as your agents, work email address, and office phone number
8. Log in details – such as organisation key, username and password
9. Usage Information and Browsing History - such as usage metrics (including usage rates, occurrences of technical errors, diagnostic reports, settings preferences, content, and advertising interactions)
10. Location Information. We may collect or infer your general location information when you use Our Services. We may also collect additional information involving your opinion of Our Services and your preferences regarding other services such as newsletter subscription
11. Any other Personal Data that you choose to provide on the Website or in your communications with Us. Please note, call recordings of conversations may be retained for monitoring and training purposes.

Information that we may obtain from third parties

In some circumstances, We may collect Personal Data about you from Our partners or from publicly available websites to help Us better understand Our audience and enhance the relevance of Our content. We may collect Personal Data about you from third parties, such as:

1. Some organisations and others with whom you have a relationship that provide or publish Personal Data related to you, such as from Our customers when they arrange access to Our Services for you or from others when they create, post, or submit user content on Our Services that may include your Personal Data.
2. Professional or industry organisations and certification / licensure agencies that provide or publish Personal Data related to you.
3. Third parties and affiliates who resell or integrate with Our Services.
4. Service providers and business partners who work with Us in relation to Our Services and that We may utilise to deliver certain content, products, or services or to enhance your experience.
5. Marketing, sales generation, and recruiting business partners.
6. Government agencies and others who release or publish public records. Other publicly or generally available sources, such as social media sites, public and online websites, open databases, the corporate affairs commission, and data in the public domain.
7. We may obtain information about complaints from a regulator, if you make a complaint.

Information that may be generated during the course of your relationship with us, for example:

1. Account reference details on Our system; and
2. We may collect information about your interactions with the Website using cookies and similar technologies. Cookies are small files placed on your computer's hard drive that enable the Website to identify your computer as you view different pages. Cookies allow websites and applications to store your preferences in order to present contents, options or functions that are specific to you. Like most interactive websites, Our Website may use cookies to enable the tracking of your activity for the duration of a session. We may also use cookies (and similar technologies) and analytics tools to collect information about you. This information can be used to improve the performance of the site, make advertising more relevant and enhance your user experience, such as Your location – We use cookies to display information that is most relevant to your location. Your usage – We use cookies to understand how Our customers use Our Website and interact with Our communications. For example, We use technology on Our Website, which record user movements, including page scrolling, clicks and text entered. (It does not record payment details.) This helps Us identify usability issues and improve the assistance We can provide to users and is also used for aggregated and statistical reporting purposes. Your device – We use cookies to understand what type of device you are using to show you the best version of the site. For instance, if you visit Our Website on a mobile device, Our technology will ensure that you see a version that is optimised for mobile viewing and interaction. Your engagement with advertisements – We use cookies to understand what advertisements you have been shown, or clicked on, to bill Our advertising partners, and to present you with advertisements that are more relevant to you.

We may store and use your Personal Data for the following purposes:

1. Search for and subscribe to Our Services.
2. Use Our Services or otherwise interact with Us.
3. Create or maintain a profile or account with Us.
4. Purchase, use, or otherwise interact with content, products, or services from third-party providers who have a relationship with Us.
5. Create, post, or submit user content on Our Services.
6. Register for or attend one of Our events or locations.
7. Improve features and website content and analyse data to develop products and services.
8. Request or sign up for information.
9. Communicate with Us by phone, email, chat, in person, or otherwise.
10. Complete a questionnaire, survey, support ticket, or other information request form.
11. When you express an interest in working with Us or apply for a job or position with Us.
12. Address any inappropriate use of Our Website. (as is necessary for compliance with Our legal obligations and/or as is necessary for Our legitimate interests).
13. Prevent, detect and manage risk against fraud and illegal activities using internal and third-party screening tools. (as is necessary for compliance with Our legal obligations and/or as is necessary for Our legitimate interests).
14. Verify your identity. (as is necessary for compliance with Our legal obligations and/or as is necessary for Our legitimate interests).
15. Carrying out anti-fraud and anti-money laundering checks and verifying your identity (as is necessary for compliance with Our legal obligations and/or as is necessary for Our legitimate interests).
16. Undertaking statistical analysis, including analysing your use of Our Website. This allows Us to develop new, or improve existing products and services (as is necessary for Our legitimate interests); and fulfilling Our obligations owed to a relevant regulator, tax authority or revenue service (as is necessary for compliance with Our legal obligations and/or as is necessary for Our legitimate interests).
17. Our “legitimate interests” as referred to above, include Our legitimate business purposes and commercial interests in operating Our business in a customer-focused, efficient, and sustainable manner, in accordance with all applicable legal and regulatory requirements. Your Personal Data is not used for the purposes of solely automated decision making or profiling.

1. We may share your Personal Data with Our associated companies and with certain third parties including:
2. Third parties that assist Us in preparing or sending any communications to you, or to assist Us in connection with any of Our administrative or business functions, or in the provision of any of Our services to you, or to third parties acting as Our agents.
3. If We are unable to make contact with you, We may employ third party companies to trace your whereabouts and re-engage with Us. We may also employ third parties to enforce Our rights under any agreement with you.
4. If We or Our assets are potentially to be acquired by a third party, or if We consider restructuring, Personal Data held by Us about Our customers (including borrowers and investors) will be one of the transferred assets and may be shared during the potential transaction or restructuring process or as part of a mergers & acquisition transaction. Anyone to whom We transfer or may transfer Our rights and duties under any agreement with you.
5. Legal and regulatory bodies, including fraud prevention agencies or when We have a legal obligation to do so.
6. Our auditors, solicitors, professional advisors, sub-contractors who have agreed to treat your Personal Data as confidential.

1. the Data Subject has given consent to the processing of his/her Personal Data for one or more specific purposes
2. the processing is necessary for the performance of a contract to which the Data Subject is party or to take steps at the request of the Data Subject prior to entering into a contract
3. processing is necessary for compliance with a legal obligation to which We are subject
4. processing is necessary for legitimate interests pursued by Us or by a third party, except where such interests are overridden by the interests or fundamental rights and freedoms of the data subject, which require the protection of Personal Data; and o processing is necessary for the performance of a task carried out in the public interest or in exercise of an official public mandate vested in Us.