Privacy Policy

1. Introduction

Decode Fintech ("We", "Us", or "Our") is a product powered by Paystack that focuses on providing curated news updates and trends about the African fintech space through its podcast and newsletter. The podcast is an audio show where financial product developers share relevant business experiences, while the newsletter is a weekly summary of news and commentaries about developments in the African fintech space.

This Privacy Notice (“Notice”) governs your use of our website https://decodefintech.com/ (‘the Website”), and any other software, online platform, website, mobile or tablet application or domains used to provide our services, including but not limited to Decode Fintech Podcast and Decode Fintech Newsletter (referred to as the “Services"). We provide this Notice because you have a right to know what information we collect, why we collect it, how it is protected and used, and the circumstances under which it may be disclosed.

2. Terms of Use

You are required to comply with the provisions of our Terms of Use in relation to the information provided by you.

3. Your data that we process

Personal data is any information about an individual that can be used to identify that person directly or indirectly. For example, while using the website, we may request personal information from you in order to contact or identify you, and some information may be collected automatically in order for our website to function properly. We also collect personal data from third-party sources or through your use of our services.

We collect the following information:

4. Cookies

Cookies are tools used to collect information from you when you visit our website automatically. Our website uses cookies to set user preferences while on our website and track page visits and access to content, such as videos uploaded. Information about the use of cookies on our website is specified in our Cookie Notice.

5. Lawful bases and purpose of processing

We are required to process your data under at least one of these lawful bases:

• Legitimate interest: Processing your data is necessary for our legitimate interests or the legitimate interests of a third party, provided your rights and interests do not outweigh those interests.

• Consent: You have given explicit consent for us to process your data for a specific purpose.

• Contract: If the data processing is necessary for a contract with us or because we have asked you to take specific steps before entering that contract.

• Legal obligation: If the processing of your data is necessary to comply with a legal requirement to which we are subject.

6. Purpose of Processing Your Data and the Lawful Bases

We collect your data:

7. Your Rights as a Data Subject

The law vests you with certain rights as a data subject. They include the right to:

1. access personal data we hold about you by requesting a copy of the personal data we hold about you;

2. rectify such information where you believe it to be inaccurate;

3. restrict the processing of your data in certain circumstances;

4. object to the processing of your data where we intend to process such data for marketing purposes;

5. where feasible, receive all personal data you have provided to us—in a structured, commonly used, and machine-readable format—and transmit the information to another data controller;

6. request the erasure of your data (also known as the right to be forgotten);

7. withdraw your consent to processing your data by us; and

8. lodge a complaint with a relevant authority where you have reason to believe that we have violated this Privacy Policy. (You may complain or seek redress from us within 30 days from when you first detected the alleged violation).

You may seek to exercise any of the above rights at any time by emailing us at [email protected]

If you have a complaint, you can submit it to your local data protection authority..

8. Third party service providers

The following third parties support us to ensure the smooth running of the website:

Note that if you wish to prevent your device’s operating system from sharing your personal data with Decode Fintech or with the third parties mentioned for profiling purposes, you can do so by setting up your device appropriately, namely, by changing the privacy settings on your device to disable/restrict any advertising tracking features. For more information on this, please see the following links:

• iOS Devices: https://support.apple.com/en-us/HT202074;

• Android Devices: https://support.google.com/ads/answer/2662922?hl=en

9. Retention of your data

The data and any other information we collect from you will be stored for as long as necessary to fulfil the purposes described in this Notice.

However, we will also retain data, subject to relevant provisions of applicable laws, resolve disputes, prevent fraud and abuse, and enforce our legal agreements and policies. In addition, we will delete your data for targeted marketing purposes once you unsubscribe from our marketing communications by following the steps in Section 12 of this Notice.

Please note that your data may be retained for a longer period, notwithstanding your request to remove it, where there is a legal requirement to do so.

10. How your data is stored and secured

We are very particular about preserving your privacy and protecting your data. We deploy reasonable and appropriate technical and organisational measures to protect your data. However, we cannot completely guarantee the security of any information you transmit via our website, as the internet is not an entirely secure place. Nevertheless, we are committed to doing our best to protect you.

We protect your data using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorised access, disclosure, and alteration. Where there is an actual or suspected data breach capable of causing harm to your rights and freedoms, we will notify you without undue delay and use our best efforts to remedy the breach promptly.

11. International transfer of data

When transferring personal information to a country other than where we operate, we will take additional precautions to ensure its adequate protection.

To conduct international data transfers, we comply with applicable local laws and regulations in the countries in which we operate. This includes only transferring data to countries deemed adequate under applicable laws, obtaining licences or approvals from the relevant authority, maintaining appropriate documentation, obtaining explicit consent, and performing our contractual obligations. Furthermore, we may transfer your data when we have a legal obligation to do so, need to establish or defend a legal claim, or have a public interest obligation.

In addition, we take additional precautions for the onward transfer of data and the selection of trustworthy third parties and service providers in third countries.

Please contact us to obtain relevant information regarding your data transfers to third countries (including the appropriate transfer mechanisms we employ).

12. Marketing and communications

We only send marketing communications to you with your consent. You may opt-out of our marketing or object to further processing by clicking on the 'unsubscribe' button at the bottom of the page. You can also unsubscribe from the newsletter we share with you weekly at any time by clicking the ‘unsubscribe’ button.

13. Complaints

If you are concerned about an alleged breach of data protection law or any other regulation by us, you can contact the Data Protection Officer (DPO) at [email protected]. The DPO will investigate your complaint and provide information about how it is handled.

If you have a complaint, you can submit it to your local data protection authority.

14. Changes to this Notice

We update our privacy notice occasionally. We will notify our users when we make a change, and visitors will know this by checking the last date of the update on this page whenever they visit.

15. Contact Us

If you have any questions relating to this Policy, your rights under this Policy, or are not satisfied with how we manage your personal data, kindly reach out to our Data Protection Officer at [email protected].

Cookie Policy

1. Introduction

This Cookie Notice explains what Cookies are and how We use them. You should read this Notice to understand the types of cookies We use, the information We collect using cookies and how it is used. Cookies do not typically contain any information that personally identifies a user. However, the personal information we store about You may be linked to the information stored in and obtained from Cookies.

For more details on how We use, store, and keep your data secure, see our Privacy Policy.

We do not store sensitive personal information in the Cookies We use.

2. Interpretation and Definitions

The words in which the initial letter is capitalised have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.

For this Cookie Notice:

"Company" (referred to as either "Decode Fintech", "We", "Us", or "Our" in this Cookie Notice) refers to Decode Fintech.

"Cookies" are small data files that are placed on Your computer, mobile device, or any other device by a website, and contain details of your browsing history on that website. They are used to remember your preferences, login information, and browsing activity to enhance your user experience and enable personalised content.

"Website" refers to Decode Fintech’s website, accessible at https://decodefintech.com/

"You" means the individual accessing or using the website.

3. We use the following cookies on our Website:

1. Strictly Necessary Cookies: These cookies are required for our website to work properly on your browser.
2. Targeting Cookies: These are inserted for statistical and targeting purposes. They are used to deliver advertisements and content tailored to your interests based on your previous browsing behaviour and web activity.
3. Performance Cookies: These cookies enable us to collect data about how people use our website. This data helps us to improve our website for users.

We use eight (8) cookies on our website, as described below:

4. How to Manage Your Cookie Preferences

By accessing our site, strictly necessary cookies are automatically installed on your system. These cookies are essential for the basic functionalities and security features of our website, and they do not store any personal information.

In addition to these, we use other types of cookies to enhance your experience and our services. However, you have full control over these:

Performance Cookies: These help us understand how visitors interact with our website, providing information about areas visited, time spent, and any issues encountered, such as error messages. This helps us improve the performance of our site.

Functional Cookies: These enable our website to remember choices you make (such as your user name, language, or the region you are in) and provide more personalized features.

Advertising Cookies: These cookies are used to deliver advertisements more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign.

You have the option to opt-in or opt-out of these additional cookie categories. Your preferences can be managed at any time through your browser settings. However, please note that disabling necessary cookies may affect our website's functionality.

If you have any questions or complaints about this Cookie Notice, You can contact our Data Protection Officer at [email protected]