Privacy Policy

1. Introduction

FN Central Billing System (FN CBS), provided by FaireNation Limited, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing platform.

2. Information We Collect

2.1 Personal Information:

• Name, email address, and phone number
• Business registration details
• Bank account information for settlements
• Government-issued identification documents

2.2 Transaction Information:

• Payment amounts and descriptions
• Transaction timestamps and status
• Payment method details (card last 4 digits, bank names)
• Invoice references and metadata

2.3 Technical Information:

• IP addresses and device information
• Browser type and operating system
• API usage logs and timestamps
• Cookies and session data

3. How We Use Your Information

We use collected information to:

• Process payments and manage transactions
• Distribute settlements to relevant parties
• Detect and prevent fraudulent activities
• Provide customer support and resolve disputes
• Comply with legal and regulatory requirements
• Improve our services and develop new features
• Send transaction notifications and service updates

4. Information Sharing

We share your information with:

• Payment Gateways: To process card, bank transfer, and USSD transactions
• Financial Institutions: For settlement processing
• Government Agencies: For revenue collection and compliance
• Service Providers: Who assist in platform operations
• Legal Authorities: When required by law or to prevent fraud

We do not sell your personal information to third parties.

5. Data Security

We implement comprehensive security measures including:

• 256-bit SSL encryption for all data transmission
• PCI DSS compliance for payment card data
• Secure API authentication with Bearer tokens
• Regular security audits and vulnerability assessments
• Access controls and employee training
• Encrypted database storage

6. Data Retention

We retain your information for as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain financial records (typically 7 years)

7. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request deletion of your data (subject to legal requirements)
• Objection: Object to certain data processing activities
• Portability: Receive your data in a structured format
• Withdrawal: Withdraw consent for data processing

To exercise these rights, contact us at support@cbs.gov.ng

8. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain user sessions and authentication
• Remember user preferences
• Analyze platform usage and performance
• Prevent fraudulent activities

You can control cookies through your browser settings.

9. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Children's Privacy

FN CBS services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy periodically. Significant changes will be communicated via email or platform notifications. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions about this Privacy Policy or to exercise your rights:

Email: hello@fairenation.com

Data Protection Officer: privacy@fairenation.com

Website: https://fairenation.com

Company: FaireNation Limited