Modified: October 23rd 2023.

Protecting Your Privacy

At 5linx Communication Services Limited, we hold your personal information in the highest regard, treating it as private and confidential. Our commitment is to safeguard your privacy and ensure the utmost security during every interaction with us. This Privacy Policy outlines the type of personal information we collect, how we use it, and the measures we take to protect it.

This policy, along with our Terms and Conditions, lays the foundation for processing any personal data collected from you or provided to us. We urge you to read this policy carefully to understand our stance on handling your personal data and, by continuing to use our website (www.5linxcomm.com) and other 5linx customer touchpoints, you acknowledge and consent to the practices described herein.

Information We Collect and Utilize

• We gather information about you from multiple sources, including website visits, applications, identification documents, resumes, interactions with relationship managers, and other third parties such as credit bureaus, payment gateways, and financial institutions. This information encompasses details like your name, address, passport information, identification numbers, biometric data, phone number, occupation, assets, and any other data we deem essential.

• Additionally, we may receive information from third parties, including family members, solicitors, friends, employers, publicly accessible website/social media pages, government agencies, regulators, and credit agencies.

• We may also collect supplementary data, such as video footage when you visit our branches, telephone conversations when you contact our call center, and geographic information when you access our websites from different locations.

Collection of Non-Personal Information

To enhance your banking experience and improve our services, we collect specific information during your visits. This data includes protocols like:

• – IP address
• – Date and time of your request
• – Time zone difference from Greenwich Mean Time (GMT)
• – Content of your request (specific site)
• – Access status/HTTP status code
• – Volume of data transmitted in each interaction
• – Referring website
• – Browser software, including language and version
• – Operating system and its interface
• – Visitor’s country of origin

Cookies

Cookies are small text files stored on your computer or mobile devices during website visits. They serve various purposes, such as saving your preferences for a tailored experience and helping us analyze website traffic. At 5linx, we use cookies to improve your site experience.

• – Some cookies are essential to access specific website areas.
• – We utilize analytics cookies to understand how you use our site and identify the most valuable content.

Usage of Your Personal Data

5linx adheres to specific principles when collecting and using personal data, which require that personal data must:

• – Be processed fairly, lawfully, and transparently.
• – Be obtained for a specific and lawful purpose, without incompatible processing.
• – Be relevant and limited to the necessity for the processing purpose.
• – Be accurate and up-to-date, with inaccuracies promptly rectified.
• – Not be retained longer than needed.
• – Be processed in accordance with data subject rights.
• – Be securely protected against unauthorized processing, loss, damage, or destruction.

We utilize your personal information for various purposes, including but not limited to:

• – Updating and enhancing 5linx’s records
• – Executing your instructions
• – Establishing your identity and evaluating applications for our products and services
• – Pricing and designing our products and services
• – Administering our products and services
• – Managing our relationship with you
• – Managing risks
• – Detecting and investigating illegal activities, such as fraud
• – Communicating with you in significant events or suspected fraud cases
• – Improving our businesses and enhancing your experience with us
• – Reviewing credit or loan eligibility
• – Complying with legal obligations and assisting government and law enforcement agencies.

We may also use and exchange your information in ways allowed by law, including automated processing for credit decisions, security checks, and data processing. Please reach out to correct them.

Consent to Receiving Messages

By using our Service, you consent to receiving messages and communications from 5linx Communication Services via email, Short Message Service (SMS), Rich Communication Services (RCS), and other messaging channels. These messages may include but are not limited to newsletters, marketing or promotional materials, account-related notifications, and updates about our services.

You have the option to opt out of receiving any or all of these communications by following the unsubscribe link provided in the messages. Please note that even if you choose to opt out, you may still receive essential service-related communications, such as notifications about your account or changes to our Terms and Conditions.

If you have any questions or concerns regarding your communication preferences, you can contact us at info@5linxcomm.com.

This addition ensures that users are aware of and provide their consent to receive messages through various channels, while also giving them the option to opt out of non-essential communications. Make sure to replace “[insert contact email address]” with your actual contact email address.

Information Sharing

As permitted by law, we may share your information with the following parties:

• – Regulators, government agencies, and courts when required by law
• – External auditors
• – 5linx staff
• – Correspondent banks
• – 5linx’s strategic partners and service providers (for product and service improvement)

We may also disclose information as reasonably necessary to enforce our terms and conditions, protect our operations or users, or in the event of a reorganization, merger, or sale.

We do not share information about your website usage with third parties for marketing purposes unless you expressly grant permission.

Protecting Your Information

We implement appropriate technical and organizational measures to prevent unauthorized access, loss, misuse, modification, or disclosure of your information. Security measures may include encryption, access controls, and other security methods to ensure data protection.

Where we provide a password for specific website areas, you are responsible for keeping it confidential. Please do not share your password or authentication details.

Information Storage

We store your personal information on secure servers, physical locations, and cloud infrastructure (where applicable). Data collected may be transferred to and stored in locations outside Nigeria. We take necessary steps to ensure data security during transfers.

Data Retention

We retain your data for as long as necessary for the purpose for which it was collected or to comply with legal, regulatory, administrative, or operational requirements. Data no longer needed for its purpose is securely destroyed.

Your Rights

You have certain rights, including:

• Access to your personal information
• Rectifying inaccurate or incomplete data
• Withdrawing consent for processing
• Restricting or objecting to data processing
• Requesting your data in a common electronic format
• Requesting data erasure, subject to legal, regulatory, or operational requirements

If you wish to exercise any of these rights, please contact us at info@5linxcomm.com.

Applicability of This Privacy Policy

5linx Communication Services Limited.

Third-Party Sites and Services

5linx websites, products, and services may contain links to third-party websites, products, and services. These third parties govern information collected by them, and we are not responsible for breaches of confidentiality or privacy on their sites. We recommend reviewing the privacy practices of third parties.

Social Media Platforms

5linx may interact with users on various social media platforms. Your content on social media is subject to the platform’s terms and privacy policies. Review these terms to understand your rights and obligations regarding content.

Maintaining Accurate Information

Keeping your account information accurate and up-to-date is crucial. You can access your personal information through our application portals. If you discover inaccuracies, please notify us promptly.

Privacy of Children

5linx respects children’s privacy and does not knowingly collect personal information from children or market to children under 18.

Promotional Messages

5linx may contact you with products or services that we believe may interest you. You can opt out of receiving promotional materials at any time by emailing info@5linxcomm.com.

Privacy Policy Changes

This policy may be revised periodically to reflect legal, regulatory, and operational changes. Updated versions become effective upon posting, so check this page for updates.

Contact Us

For questions, comments, or requests related to this privacy policy, please contact:

Email: info@5linxcomm.com, support@5linxcomm.com.