This Privacy Policy (“Policy”) explains how NAABFIT (“we”, “us”, or “our”) collects, protects, and uses personal information (“Personal Information”) provided by you (“User”, “you”, or “your”) when using our mobile application or associated services (collectively referred to as the “App” or “Services”). By using the App, you agree to the terms outlined in this Policy. This Policy does not apply to the practices of entities we do not own, control, or manage.
Gathering of Personal Information
We collect and store information you voluntarily share with us when creating an account, completing forms within the App, or otherwise interacting with our Services. This information may include, but is not limited to, your name, email address, phone number, and address. While providing this information is optional, certain features of the App may not be accessible without it. If you have any questions about which details are necessary, feel free to reach out to us for clarification.
Gathering of Non-Personal Information
When you use the App, our servers automatically capture information sent by your device. This may include details such as your device’s IP address, approximate location, device name and version, operating system type and version, language preferences, search activity within the App, access dates and times, and other usage statistics. This data is collected to enhance the functionality, performance, and user experience of the App.
Handling of Personal Data
You have the ability to access, modify, update, or delete certain Personal Information associated with your account. The specific information you can manage may vary as the features of the App or services evolve. Please note that when you make updates, we may retain a record of the original information for administrative purposes. Additionally, some details may remain in our records even after you delete them from your account, to comply with legal requirements, resolve disputes, or enforce our agreements. We may continue to use anonymized or aggregated data derived from your Personal Information after updates or deletions, ensuring it cannot identify you personally. Once the retention period for your Personal Information ends, it will be permanently deleted. After this period, the rights to access, rectify, erase, or transfer data can no longer be exercised.
Changes to Permissions
If you wish to adjust any permissions you’ve granted to NAABFIT, you can do so through your device’s settings. Please note that revoking certain permissions may limit your access to some or all of our Services.
Use of Collected Information
The information collected from you may be used to:
Personalize and improve your user experience.
l Enhance the functionality of our app.
l Provide better customer service and respond to your inquiries.
l Send notifications such as password resets, updates, or service-related emails.
l Operate and maintain the app and its Services.
l Non-personal information is utilized solely to detect potential misuse and compile statistical insights regarding app traffic and usage. This data is anonymized and does not identify individual users.
Legal Basis for Processing Personal Information
We process your Personal Information under the following conditions:
Consent: You have provided explicit consent for specific purposes. In some cases, depending on local regulations, we may process your data until you opt out, without requiring additional consent. However, this does not apply to cases governed by European data protection laws (e.g., GDPR).
Contractual Obligation: Processing is necessary to fulfill a contract with you or to take pre-contractual steps at your request.
Legal Obligation: Processing is required to comply with legal obligations.
Public Interest or Official Authority: Processing is necessary to perform a task in the public interest or to exercise official authority vested in us.
Legitimate Interests: Processing is essential for the legitimate interests pursued by us or a third party, provided these interests do not override your rights and freedoms.
If you need clarification about the specific legal basis for processing your Personal Information or if the provision of data is statutory, contractual, or required to enter a contract, please feel free to contact us.
Data Transfers and Storage
Your information may be transferred to and stored in a location outside your country of residence to facilitate our Services.
If such transfers involve countries outside the European Union or international organizations established by public international law (e.g., the United Nations), we ensure they comply with all applicable laws and regulations. Robust security measures are implemented to protect your data during and after these transfers.
You have the right to request information about the legal framework governing such transfers and the safeguards in place to protect your personal data. For further details, please refer to the relevant sections of this Privacy Policy or contact us using the information provided in the Contact Us section.
User Rights and Data Control
As a user, you have certain rights regarding the processing of your personal information. These rights empower you to control and manage how your data is handled. Specifically, you can:
- Withdraw Consent: Revoke your consent for data processing at any time, where consent was previously given.
- Object to Processing: Challenge the processing of your data if it is based on a legal ground other than your consent.
- Access Information: Confirm whether your data is being processed, receive details about the processing activities, and request a copy of the processed data.
- Verify and Correct: Ensure your data is accurate and request updates or corrections.
- Restrict Processing: Under specific circumstances, limit the processing of your data so it is only stored and not used for other purposes.
- Request Deletion: Under certain conditions, request the erasure of your personal information from our systems.
- Data Portability: Receive your data in a structured, commonly used, and machine-readable format, and, where technically feasible, request its direct transfer to another controller. This applies if the data processing is automated and based on your consent, a contract, or pre-contractual obligations.
Right to Object to Data Processing
If your Personal Information is processed for the public interest, in the exercise of official authority vested in us, or for legitimate interests pursued by us, you have the right to object to such processing. To exercise this right, you must provide a valid reason related to your specific situation. However, if your Personal Information is being processed for direct marketing purposes, you have the right to object at any time without needing to provide any justification.
Exercising Your Rights
To exercise any of the rights outlined in this policy, please direct your requests to NAABFIT using the contact details provided in this document. These requests can be made free of charge, and we will respond as soon as possible, and always within one month of receiving your inquiry.
Children’s Privacy
We do not knowingly collect personal information from children under the age of 18. If you are under 18, please refrain from submitting personal information through our Mobile Application or Services. We encourage parents and guardians to monitor their children’s online activity and help enforce this policy by instructing them not to provide any personal information without consent.
If you believe that we have inadvertently collected personal information from a child under 18, please contact us immediately. Additionally, if you are under 18, you must obtain parental consent to process your personal data in your country (in some jurisdictions, a parent or guardian may consent on your behalf).
Links to Third-Party Applications
Our Mobile Application may contain links to third-party mobile applications or websites that are not operated or controlled by us. Please be aware that we are not responsible for the privacy practices or content of these third-party applications/websites. We encourage you to review their privacy policies when visiting external links.
Information Security
We take the security of your personal information seriously and store it on secure servers with safeguards against unauthorized access, use, or disclosure. We implement reasonable administrative, technical, and physical measures to protect against unauthorized access, modification, or disclosure of your personal data.
However, it is important to note that no data transmission over the internet or wireless network is entirely secure. While we strive to protect your personal information, you acknowledge that:
(i) there are inherent security risks in internet communications beyond our control;
(ii) the security and privacy of any information exchanged between you and our Mobile Application cannot be guaranteed;
(iii) such data may be accessed or altered by unauthorized parties while in transit, despite our best efforts to protect it.
Data Breach Notification
If we become aware that the security of the Mobile Application has been compromised, or that users’ personal information has been disclosed to unauthorized third parties due to external factors such as security breaches or fraud, we will take appropriate actions. These actions may include conducting an investigation, notifying the affected individuals, and cooperating with law enforcement authorities.
In the case of a data breach, we will make reasonable efforts to notify the affected users if we believe the breach could result in significant harm. Where required by law, we will also provide notification through appropriate channels, including contacting you by phone.
Legal Disclosures
We may disclose any personal information we collect if required or permitted by law. This may include complying with legal processes, such as subpoenas, or when we believe disclosure is necessary to protect our rights, ensure user safety, investigate fraud, or respond to a government request.
In the event of a business transition, such as a merger, acquisition, or sale of assets, your account and personal data may be transferred as part of the transaction.
Modifications to This Privacy Policy
We reserve the right to modify or update this Privacy Policy at any time. Any changes will be effective immediately upon posting the updated version in the Mobile Application. We will notify users of these changes within the app. Your continued use of the Mobile Application after the posting of changes will signify your acceptance of the updated terms.
Acknowledgment and Acceptance
By using the Mobile Application and its Services, you acknowledge that you have read and agree to this Privacy Policy. If you do not agree with the terms and conditions outlined in this policy, you are not authorized to use or access the Mobile Application or its Services.
Contact Us
If you have any questions or concerns about this Privacy Policy, please feel free to contact us using the information provided.