Your privacy is our priority.

Introduction

Welcome to Homes & Co Privacy Policy. At Homes & Co, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how Homes & Co Limited ("Homes & Co," "we," "us," or "our") collects, uses, secures, and shares information gathered through our mobile application, websites, products, and related services (referred to collectively as "the Services"). By using our Services, you ("you" or "your") consent to the terms outlined in this Policy. Please take the time to read this Policy carefully, as we may update it periodically by posting a new version on our Website. If there are any material changes, we will notify you via the email address associated with your account. Your continued use of our Services after the effective date constitutes your acknowledgment of the updated Policy.

1. Collection of Personal Data

At Homes & Co, we collect various types of data, including information provided directly by you or made available to us through your devices, both web and mobile. Some of this data may be classified as "personal information" or "personal data" under applicable privacy or data protection laws.

1.1. Information You Provide

You may provide us with information directly when you:

• Use or access our Services, such as when creating an account. This may include providing us with your Phone Number, Home Address, First Name, Surname, Gender, Date of Birth, Email Address, Picture, Business details, Bank Account Details, and Bank Verification Number (BVN).
• Communicate with us for customer or technical support. When contacting us via channels other than the in-app chat, we may collect your Phone Number, Email Address, and the contents of your communication, whether via phone call, email, or social media, so we can answer your questions or take action.
• Participate in Homes & Co offers, contests, or special events.
• Subscribe to newsletters or sign up for product updates.
• Complete surveys provided by us or on our behalf.

1.2. Information Collected Using Cookies and Similar Technologies

Homes & Co employs various technologies like cookies, beacons, software development kits, and mobile analytics software to enhance user experience and provide valuable insights. These technologies serve multiple purposes, including user authentication, fraud prevention, preference management, and traffic analysis. We utilize these tools to gather information about users' interactions with our platform, such as device details, browsing behavior, and preferences. This data helps us personalize content, optimize advertising campaigns, and improve overall service delivery. While users may have the option to disable cookies in their browser settings, it's important to note that this could affect the functionality and performance of our platform.

1.3. Google Analytics

In addition to our in-house analytics tools, Homes & Co leverages Google Analytics to gain deeper insights into user behavior and website performance. Google Analytics collects various data points, including page views, session duration, and referral sources, to help us understand user engagement and preferences. This information is invaluable for optimizing our website, enhancing user experience, and refining our marketing strategies. It's important to mention that Google Analytics operates under its terms of use and privacy policy. Users who wish to opt out of Google Analytics tracking can do so through the provided opt-out mechanism.

2. How We May Use Your Personal Information

Homes & Co is committed to safeguarding your privacy and ensuring the responsible use of your personal information. We collect and utilize this information for various purposes, including:

• Fulfilling user requests for our services and products.
• Communicating important updates, announcements, and promotions.
• Resolving customer inquiries, complaints, or disputes.
• Personalizing user experiences and delivering relevant content.
• Conducting market research, surveys, and data analysis.
• Improving our products, services, and overall platform functionality.
• Complying with legal and regulatory requirements, including anti-money laundering laws and customer due diligence obligations.

3. Why We Collect Your Information

We recognize the importance of adhering to the Nigerian Data Protection Regulation, which mandates that we have a lawful basis for processing your personal information. In compliance with this regulation, we rely on the following lawful bases for processing your data:

3.1. Consent

Your consent is essential for us to market and communicate our products and services effectively. However, you always have the option to unsubscribe from receiving our marketing content if you no longer wish to receive such communications.

3.2. Contractual Obligation

We collect specific information from you to fulfill our contractual obligations or to establish a contractual relationship with you. This data enables us to:

• Provide the services outlined in our terms and conditions as agreed upon.
• Send you pertinent messages regarding your account and other services you utilize, especially if you initiate contact with us or if we need to inform you about important matters.
• Exercise our rights under the contracts we've established with you and address complaints and other related issues.

3.3. Legal Obligation

As part of our legal responsibility, we ensure full compliance with all relevant laws and regulations, including financial legislation such as Anti-Money Laundering and Counter-Terrorist Financing Laws. Under these legal obligations, we must collect and store certain personal information from you. Additionally, to safeguard against fraud, we verify your identity using the personal information provided.

4. Data Security

Ensuring the security of your personal data is a top priority at Homes & Co. We are fully committed to safeguarding the information we collect from any unauthorized access, disclosure, alteration, or misuse.

To uphold this commitment, we implement a robust set of administrative, technical, and physical security measures. These measures are designed to protect your personal data against potential risks, including loss, theft, and unauthorized access.

Our security protocols encompass various elements, such as secure servers, firewalls, and data encryption technologies. Access to your personal data is restricted to authorized personnel who require it to perform their job functions effectively.

Moreover, our website employs industry-standard security protocols, including Secure Sockets Layer/Transport Layer Security (SSL/TLS), to ensure the secure transmission of your data. When accessing our website, you'll notice the padlock symbol in the URL address bar, indicating a secure connection.

For accounts with password protection, we strongly advise keeping your password confidential and refrain from sharing it with others.

Homes & Co remains steadfast in conducting our operations in accordance with these principles to uphold the confidentiality and integrity of your personal data. While we employ stringent security measures, it's essential to acknowledge that no method of transmission over the Internet is entirely secure. Nevertheless, we are committed to taking all reasonable steps to safeguard your personal data.

In the event of any suspected breaches of personal data, Homes & Co has established procedures to address and mitigate such incidents promptly. If you believe your privacy has been compromised or have any concerns regarding data security, please contact us at support@Homes & Co

5. Disclosure, Processing & Retention

Homes & Co places utmost importance on protecting your personal information and is committed to ensuring its confidentiality. We will not disclose your personal data to any third parties except in the following circumstances:

1. a. Authorized Parties: Your personal information may be shared with our employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers, and agents, but only for the purposes outlined in this Privacy Policy.

2. b. Legal Obligations: We may disclose your information if we have a good faith belief that such disclosure is necessary to identify, contact, or take legal action against individuals who may be causing harm to Homes & Co, its users, or others. This includes situations where disclosure is required by law or to protect the rights, property, or safety of Homes & Co, its users, or the public.

3. c. Business Transfers: In the event of a corporate transaction such as a sale, merger, reorganization, or dissolution, your personal data may be transferred as part of the assets involved in the transaction.

4. d. Legal Compliance:We may disclose your information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements, or as otherwise required by law.

Homes & Co will retain your personal data on our servers only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable law. If you choose to close your account, we will retain your information on our servers to comply with regulatory obligations and for fraud monitoring, detection, and prevention purposes. Any retention of personal data will be in accordance with applicable laws and regulations.

6. Marketing

Homes & Co may use your Personal Information to contact you or send you marketing communications about our products, services, or surveys. You have the right to object to receiving such communications or opt out of marketing content. However, please note that even if you opt out of marketing content, we may still send you transaction-related messages and communications necessary for our ongoing business relationship.

We may also request your permission to send notifications to you. Rest assured, our Services will remain functional even if you choose not to grant us consent to send notifications.

7. Accuracy of Personal Information

Homes & Co is committed to maintaining the accuracy of your personal information to the best of our ability. You have the option to update your personal information at any time by contacting us.

To ensure the accuracy of your personal information, we may verify the information provided by you with the assistance of trusted third parties. Additionally, we may request copies of documents related to your personal information for verification purposes.

It is essential that the personal data held by Homes & Co is accurate and up to date. Therefore, we encourage you to inform us of any changes to your personal data throughout our relationship. Your cooperation in keeping your information current helps us maintain the integrity and accuracy of our records.

8. Your Data Protection Rights and Choices

As a user, you have certain rights regarding your Personal Information, depending on your location and applicable laws. These rights include:

• Right to be Informed: You have the right to be informed about how your Personal Information is collected and used.
• Right to Access: You can request access to or copies of your personal information by contacting us.
• Right to Deletion: You have the right to ask us to delete your personal information. Please note that this right is limited and applies only in certain circumstances, such as when the data is no longer needed or the processing is not legally justified.
• Right to Correction: You can request to correct or rectify any personal information that is incorrect, out of date, or inaccurate.
• Right to Object to Marketing: You have the right to object to the processing of your personal information for marketing purposes. You can adjust your notification preferences or opt-out via the unsubscribe link in marketing emails.
• Right to Withdraw Consent: If we have collected and processed your personal data with your consent, you may withdraw that consent.
• Right to target advertisements, newsletter, and service updates.
• To use data analytics to improve our Website, products or services, and user experiences.
• Other Rights: You also have rights related to targeting advertisements, establishing legal rights, complying with laws and regulations, and using data analytics to improve our services.

If you wish to exercise any of these rights, please contact us using the information provided in the Contact Us section below. For security reasons, we may ask for proof of your identity before processing your request.

9. Children's Privacy

We are committed to protecting the privacy of minors. We do not knowingly collect or process personal data from anyone under the age of 18, nor do we knowingly allow such individuals to use our Services. If you believe that we may have inadvertently collected personal information from or about a child under this age, please contact us immediately using the details provided on the last page. Upon learning of any such information, we will take immediate steps to delete it from our records.

10. Updates To Our Privacy Policy

Our Privacy Policy is periodically reviewed, at least annually, and updated as necessary to ensure compliance and transparency in our data processing practices. Any changes to this Policy will be indicated on this page, and in the case of significant updates, we will notify you via email.

11. Contact Us

If you have any questions or concerns regarding this Policy or the handling of your personal data, please don't hesitate to reach out to our Data Protection Officer:

• Send a message via the app.
• Email us at support@Homes & Co
• Homes & Co WhatsApp support account.