Privacy Policy

Introduction

PHKFactor ("we", "our", "us") is a digital marketplace operated by PHKFactor LTD (RC 9380315), registered in Nigeria. We are committed to protecting and respecting your privacy.

This Privacy Policy explains how we collect, use, store, and share your personal information when you use our website, mobile applications, and services (collectively, the "Service"). It also outlines your rights regarding your data.

By accessing or using our Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this privacy policy, please do not access the Service.

This policy is aligned with the Nigeria Data Protection Regulation (NDPR) and applicable data protection laws.

Information We Collect

We may collect and process the following categories of information about you:

Personal Information

• Full name
• Email address
• Phone number
• Billing and delivery address (if applicable)
• Account login credentials

Payment Information

• Payment method details (card type, last four digits)
• Transaction history
• Wallet balance and top-up records

We do not store full credit/debit card numbers on our servers. Payment processing is handled by secure third-party payment providers.

Device & Usage Information

• IP address
• Browser type and version
• Operating system
• Device identifiers
• Pages visited, time spent, and click patterns
• Referring website addresses

Communications

• Support ticket submissions
• Chat transcripts
• Email correspondence with our team

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: Process orders, deliver digital products, manage your wallet, and provide customer support.
• Account Management: Create and maintain your account, verify your identity, and handle password recovery.
• Communication: Send order confirmations, delivery notifications, and respond to your inquiries.
• Improvement: Analyse usage patterns to improve our platform, fix bugs, and enhance user experience.
• Security: Detect and prevent fraud, unauthorised access, and other illegal activities.
• Marketing: Send promotional offers and newsletters (only with your consent, and you may opt out at any time).
• Legal Compliance: Comply with applicable laws, regulations, and legal processes.

Data Storage & Security

Your data is stored on secure servers with appropriate technical and organisational measures to protect against unauthorised access, alteration, disclosure, or destruction.

Security measures include:

• Encryption of data in transit (SSL/TLS)
• Encryption of sensitive data at rest
• Regular security audits and vulnerability assessments
• Access controls limiting employee access to personal data
• Secure payment processing through certified payment gateways

While we strive to protect your personal information, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.

Sharing of Information

We do not sell, trade, or rent your personal information to third parties. We may share your data with:

• Service Providers: Trusted third-party companies that help us operate the platform (payment processors, hosting providers, email services). These providers are contractually obligated to protect your data.
• Legal Requirements: When required by law, court order, or government regulation, we may disclose your information.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• Protection of Rights: To protect our rights, property, or safety, or that of our users or the public.

Cookies & Tracking

Our website uses cookies and similar tracking technologies to enhance your experience. Types of cookies we use:

• Essential Cookies: Required for the website to function properly (session management, authentication, security).
• Analytics Cookies: Help us understand how visitors interact with our website (page views, navigation patterns, errors).
• Functional Cookies: Remember your preferences and settings (language, region, display preferences).

You can manage or disable cookies through your browser settings. Note that disabling certain cookies may affect the functionality of the Service.

Your Rights

Under applicable data protection laws, you have the following rights regarding your personal information:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete personal data.
• Deletion: Request deletion of your personal data, subject to legal obligations.
• Portability: Request your data in a structured, commonly used, machine-readable format.
• Objection: Object to the processing of your data for marketing purposes.
• Withdrawal of Consent: Withdraw consent for any processing based on consent at any time.

To exercise any of these rights, please contact us using the details provided below. We will respond to your request within 30 days.

Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will take steps to delete such information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes:

• We will update the "Last updated" date at the top of this page.
• We will notify you via email or a prominent notice on our website for significant changes.
• Continued use of the Service after changes constitutes acceptance of the updated policy.

We encourage you to review this policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

• Email: hello@phkfactor.com
• Live Chat: Click the chat icon on our website
• WhatsApp: Click the WhatsApp button on our website