We’re Plumter Inc (‘we’, ‘our’, ‘us’) and operate under the name Plumter. We’re registered with the Canada Business Corporations with the number 1304089-5.
This document describes how we collect and use the information you share with us. To use our services and in order to comply with governing laws in jurisdictions where we operate, we’ll need some information from you.
At Plumter, we’re extremely committed to respecting and protecting your information. If you have any worries or reservations about your personal information, please contact our Data Protection Officer by:
Sending a message via the app / website
Emailing us at [email protected]
Information you give us on Plumter:
We collect and use any information you supply when you interact with any of our touch points. When you open an account with us, you share details like your name, Identifier numbers with the government like your BVN, ID, address and a picture.
By using our card or the app to transact, you also share details of your transactions with us. Additionally, we may request explicit permission to see other information like your address book, location, photos and data from your camera.
Details you give when you sign up for a Plumter account, like your BVN, name, date of birth, gender, phone number, residential address, and email address.
Your profile picture.
Information you give us through the in-app chat so we can help you.
Information you give us when you contact us
If you contact via other means than the in-app chat, we collect the following information so we can answer your questions or take action.
The phone number you’re calling from and information you give us during the call
The email address you use and the contents of your email (and any attachments).
Public details from your social media profile (like Facebook, Instagram or Twitter) if you reach out to us via these platforms, and the contents of your messages or posts to us.
Information we collect when you use Plumter
The mobile network and operating system you use,
Your IP address and device ID
Your phone contacts so you can make airtime purchases or pay contacts on Plumter
Information we get from third parties
As part of our KYC (Know Your Customer) process, we run checks on the ID information you supply during signup. Also, we run further checks with the credit bureaus to check if we can offer you an overdraft. We also might run background checks to be sure you have not flouted any AML laws/policies in the past, or are not part of any criminal activities if we notice anything suspicious around your transactions.
We collect certain data from you to fulfil the contract we have with you, or to enter into a contract with you. We use this data to:
Give you the services we agreed to in line with our terms and conditions and with international regulations.
Send you messages about your account and other services you use if you get in touch, or we need to tell you about something.
Exercise our rights under contracts we’ve entered into with you, like managing, collecting and recovering money you owe us.
Investigate and resolve complaints and other issues.
We have to ensure we aren’t breaking any laws by banking you by preventing illegal activities like money laundering and fraud. To do this, we need your data to
Confirm your identity when you sign up or get in touch.
Prevent illegal activities like money laundering, tax evasion and fraud.
Keep records of information we hold about you in line with legal requirements.
Adhere to banking laws and regulations (these mean we sometimes need to share customer details with regulators, tax authorities, law enforcement or other third parties).
In some instances, we need to use the data you supply us for our legitimate interests. This means we’re using your data in a way that you might expect us to, for a reason which is in your interest and doesn't override your privacy.
For certain information, we’ll ask for your consent. We’ll ask for your consent to:
Market and communicate our products and services. You can always unsubscribe from receiving these if you want to
Help protect you against fraud by tracking the location of your phone if you’ve
Help protect you against fraud by tracking the location of your phone if you’ve authorised it
View your contact list for airtime purchases.
In some instances, we will share the information provided with some third parties that we do business with, like card producers, money transfer operators who help us fulfil some transactions, and credit agencies, or with law enforcement agencies when required.
We keep your information as long as you are a Plumter customer and for 6 years after that to comply with the law. If required by law, we may keep it for longer.
These retention requirements supersede any right to erasure requests under applicable data protection laws. We cannot therefore erase your data in relation to your Plumter Account until after this time period, however we can assure you though that your data will be held safely and securely whilst under our supervision
We are basically storing and processing your personal data only as long as it is necessary to perform our obligations under the agreement with you or as long as the law requires us to store it.
That means, if the data is not required anymore for statutory or contractual obligations, your data will be deleted.
You have the right to access and request the information that we have for you in our records. You may also ask us to delete our record of you and we will grant this request as long as we’re legally allowed to. You also have the right to object to us using your information for our marketing purposes or any additional services we may be offering you. Lastly, you may also withdraw any consent you’ve previously given us.
If you have a complaint about how we use your personal information, please contact us through the app or send an email to [email protected] and we’ll do our best to fix the problem.
You can also reach our Data Protection Officer in these ways stipulated above
This document will be reviewed on a yearly basis by our Data Protection Officer. If we make any changes, we’ll add a note to this page and if they’re significant changes we’ll let you know by email.