1        INTRODUCTION

At eCLAT we are committed to protecting your privacy and being transparent about how we use cookies and similar technologies. This Cookies Policy explains what cookies are, how and why we use them on our website, and the choices you have regarding their use.

2        WHAT ARE COOKIES

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They help websites function effectively, improve user experience, and provide insights into how the site is being used.

3        TYPES OF COOKIES AND HOW WE USE THEM

• Essential Cookies: These cookies enable core functionality such as security, network management, and accessibility of our website. E.g. Session ID cookie (these expire once you close your web browser), persistent cookie
• Functional/Preference Cookies:These cookies help us remember your preferences and personalize your experience. E.g. language or region settings, “Remember me” login cookie.
• Analytics/Performance Cookies: These cookies help us collect information on how visitors use our website to help us improve its design and content. E.g. Page view tracker, Google Analytics cookie.

4        THIRD PARTY COOKIES

We may use cookies set by trusted third parties. For example, Google Analytics helps us understand how our website is used and improve user experience by tracking information such as pages visited, and time spent. For details, please refer to the official Google Analytics page.

Our site also integrates social media plugins (e.g., Twitter, LinkedIn, Facebook, YouTube, Instagram). These services may set cookies through our site to enable their features and process data in line with their respective privacy policies.

5        LEGAL BASIS FOR COOKIE USAGE

We use cookies in accordance with the Nigeria Data Protection Act (NDPA) and Article 19 of the General Application and Implementation Directive (GAID).

• Essential cookies are used on the legal basis of our legitimate interest in providing a secure and functional website.
• Non-essential cookies (such as functional/preference and analytics/performance cookies) are used only with your consent.

6        INFORMATION COLLECTED BY COOKIES

Our cookies do not store personal or sensitive data. They only contain a random identifier that helps us recognize your visits and deliver relevant content. They cannot access or read files on your computer or device. The types of cookies listed above in collect the following personal data:

• Your Device Type
• IP Address
• Your Location history
• Browser History

7        YOUR RIGHTS

You have the right to accept or reject non-essential cookies at any time. You can manage your cookie preferences as described below.

You have the right to lodge a complaint with the Nigeria Data Protection Commission (NDPC) in accordance with the Nigerian Data Protection Act.

However, this right should be exercised only if:

• The concern is related to a potential breach of your data privacy rights or if we have used your personal data in a manner different from the purpose outlined in this Cookie Policy;
• You have first raised the concern with us by contacting our Data Protection Office using the provided communication channel in this Cookie Policy, and
• We do not respond to your complaint within a period of 2 to 4 working weeks from the date of your complaint.

8.        MANAGING COOKIES

• Use your browser’s settings to delete, block, or manage cookies (“Settings” → "Privacy/Security").
• Alternatively, use our website’s cookie banner to manage your preferences at any time.

Please note that disabling certain cookies may impact your ability to fully experience all features of our website.

20        HOW TO CONTACT US

Customers who have concerns, questions about the privacy policy or would like to exercise t heir protection rights can contact us through the following channels:

Email us at [email protected]

Call us: 016283888

Customer Contact Centre 0700-9065000

Or write to us at Interswitch Limited, 1648C Oko-Awo Street, Victoria Island Lagos.