Privacy Policy

Your Privacy. Our Priority.

TARGAR SOFTWARES AND TECHNOLOGIES LIMITED, trading under the name TARGAR FINANCE (“TARGAR”, “we”, “our”, or “us”), is committed to protecting the privacy and security of the personal data entrusted to us by our customers, merchants, businesses, users, partners, and other individuals who interact with our Services.

TARGAR provides digital payment and financial technology solutions designed to make sending, receiving, and managing payments easier and more accessible for individuals and businesses.

This Privacy Policy explains how we collect, use, process, store, disclose, and protect personal data when you visit our website, download or use the TARGAR mobile application, use our payment services, communicate with us, or otherwise interact with TARGAR.

This Privacy Policy applies to individuals and businesses who access or use our website, mobile application, payment services, merchant services, and other services provided by TARGAR (collectively, the “Services”).

By accessing or using our Services, you acknowledge that you have had the opportunity to read and understand this Privacy Policy.

1. YOUR CONSENT

1.1 Acceptance of this Policy

When you register for, access, or use any TARGAR Service, you acknowledge that you have read and understood this Privacy Policy.

Where applicable law requires consent for a particular processing activity, TARGAR will obtain the appropriate consent before undertaking that processing.

Your continued use of our Services following an update to this Privacy Policy may constitute acceptance of the updated Policy where permitted by applicable law.

1.2 Age Requirement

Our Services are intended for individuals who are at least 18 years old or otherwise legally capable of entering into a binding agreement under applicable law.

If you register for or use TARGAR on behalf of a business or organisation, you confirm that you have the authority to provide information and act on behalf of that business or organisation.

1.3 Accuracy of Information

You are responsible for ensuring that the information you provide to TARGAR is accurate, complete, and up to date.

Where required, TARGAR may verify information provided by you through appropriate third-party verification providers, financial institutions, government databases, identity verification services, or other lawful sources.

2. ABOUT TARGAR

TARGAR SOFTWARES AND TECHNOLOGIES LIMITED, trading as TARGAR FINANCE, is a Nigerian financial technology company providing digital payment and related technology solutions.

TARGAR's Services may enable individuals and businesses to initiate, receive, manage, track, or otherwise facilitate digital payments and access other financial technology services made available through the platform.

Certain Services may be provided in collaboration with licensed financial institutions, payment processors, identity verification providers, technology providers, or other third-party service providers.

Where a third party is responsible for a particular service or processing activity, that third party may have its own privacy policy and terms that apply to that service.

As TARGAR's products and Services develop, we may introduce additional features, products, integrations, and services. Where these developments involve the processing of personal data, such processing will be carried out in accordance with applicable law and, where required, appropriate notice or consent will be provided.

3. PERSONAL DATA WE COLLECT

Depending on how you use TARGAR, we may collect different categories of personal data.

We will collect only information that is reasonably necessary for the relevant purposes for which it is processed, subject to applicable legal and regulatory requirements.

3.1 Information You Provide Directly

We may collect information you provide when you:

• create a TARGAR account;
• complete your profile;
• register as a merchant or business;
• initiate or receive a payment;
• contact customer support;
• submit a complaint or request;
• participate in surveys or feedback activities;
• apply for a partnership or business relationship;
• communicate with us through email, telephone, WhatsApp, social media, or other channels; or
• otherwise interact with TARGAR.

This information may include:

Personal identification information

• Full name;
• Date of birth;
• Gender, where required;
• Nationality, where required;
• Photograph or profile information;
• BVN or other identification information, where required;
• Government-issued identification documents; and
• Other information required for identity verification and regulatory compliance.

Contact information

• Phone number;
• Email address;
• Residential address;
• Business address; and
• Other contact information you provide to us.

3.2 Business Information

Where you register or use TARGAR as a business, we may collect:

• Business name;
• Business registration information;
• RC/BN number, where applicable;
• Business address;
• Business phone number;
• Business email address;
• Nature of business;
• Information relating to owners, directors, partners, proprietors, beneficial owners, or authorised representatives; and
• Other information reasonably necessary to verify and provide business Services.

3.3 Payment and Transaction Information

When you use TARGAR to send, receive, or manage payments, we may collect information relating to the transaction, including:

• Transaction amount;
• Transaction date and time;
• Sender and recipient information;
• Transaction reference;
• Transaction status;
• Merchant information;
• Account or wallet information, where applicable;
• Payment method;
• Payment-related identifiers;
• Transaction history; and
• Other information necessary to process, verify, reconcile, investigate, or support transactions.

We may also receive information relating to transactions from banks, payment processors, financial institutions, or other authorised service providers involved in processing a transaction.

3.4 Device and Technical Information

When you use our website or mobile application, we may automatically collect certain technical information, including:

• IP address;
• Device type;
• Device model;
• Operating system;
• Browser type;
• Application version;
• Unique device identifiers;
• Mobile network information;
• Language and regional settings;
• Date and time of access;
• Login information;
• Crash reports;
• Diagnostic information; and
• Other technical information necessary to operate, secure, and improve our Services.

3.5 Location Information

Where permitted by applicable law and where necessary for our Services, we may collect approximate or precise location information.

Location information may be collected:

• directly from your device, where you grant permission;
• from your IP address;
• from information you provide to us; or
• from authorised third-party service providers.

We may use location information for purposes including:

• fraud prevention and security;
• identity and business verification;
• improving our Services;
• understanding general usage patterns;
• providing location-relevant features;
• analytics;
• regulatory or compliance purposes; and
• improving the reliability of our Services.

You may be able to disable location permissions through your device settings. However, certain features may not function properly if location access is disabled.

3.6 Communications and Customer Support

If you contact TARGAR, we may collect and retain:

• Contents of your communication;
• Support tickets;
• Emails;
• Messages;
• Attachments;
• Complaints;
• Feedback; and
• Information necessary to resolve your request.

Where legally permitted and appropriately disclosed, customer support calls may be recorded for quality assurance, training, security, and dispute-resolution purposes.

3.7 Information From Third Parties

We may receive information about you from third parties, including:

• Banks and financial institutions;
• Payment processors;
• Identity verification providers;
• Fraud prevention providers;
• Regulatory or government authorities;
• Business partners;
• Technology providers;
• Publicly available sources; and
• Other parties where permitted by law.

We may use such information to verify your identity, process transactions, prevent fraud, comply with legal obligations, and provide our Services.

4. COOKIES AND SIMILAR TECHNOLOGIES

TARGAR may use cookies, software development kits (“SDKs”), pixels, device identifiers, analytics tools, and similar technologies on our website and applications.

These technologies may help us:

• Keep you signed in;
• Remember your preferences;
• Understand how users interact with our Services;
• Improve website and application performance;
• Detect fraudulent or suspicious activity;
• Measure the effectiveness of communications;
• Understand usage trends;
• Improve our products and Services; and
• Enhance your overall user experience.

Where applicable, these technologies may also be used to understand advertising interactions and improve the relevance of communications or marketing.

You may be able to manage or disable cookies through your browser or device settings.

Disabling certain cookies or similar technologies may affect the availability or functionality of some features.

Where required by applicable law, we will provide appropriate notice and/or obtain consent before using cookies or similar technologies for purposes requiring consent.

5. LAWFUL BASIS FOR PROCESSING

TARGAR processes personal data only where we have a lawful basis to do so under applicable data protection laws.

Depending on the circumstances, our lawful basis may include:

5.1 Consent

Where you have provided consent for a specific processing activity.

You may withdraw consent where permitted by law. Withdrawal of consent will not affect processing that occurred before the withdrawal.

5.2 Contractual Necessity

Where processing is necessary to provide the Services you requested or to perform our contractual obligations to you.

5.3 Legal and Regulatory Obligations

Where processing is necessary to comply with applicable laws, regulations, regulatory requirements, court orders, lawful requests from government authorities, financial crime prevention requirements, or other legal obligations.

5.4 Legitimate Interests

Where processing is necessary for our legitimate business interests, provided those interests do not override your fundamental rights and freedoms.

This may include fraud prevention, cybersecurity, improving our Services, business administration, and protecting our legal rights.

5.5 Protection of Vital Interests

Where processing is necessary to protect the vital interests of you or another person.

5.6 Public Interest

Where processing is necessary for a task carried out in the public interest or in accordance with applicable law.

6. HOW WE USE YOUR PERSONAL DATA

We may use personal data for the following purposes:

1. To create and manage your TARGAR account.
2. To verify your identity and information.
3. To provide, operate, and maintain our Services.
4. To process and facilitate payments.
5. To send transaction confirmations and notifications.
6. To provide customer support.
7. To communicate with you about your account and our Services.
8. To detect, investigate, prevent, and respond to fraud, financial crime, abuse, security incidents, and other unlawful activities.
9. To comply with applicable laws and regulatory obligations.
10. To conduct identity, KYC, AML, and other required compliance checks.
11. To maintain accurate records.
12. To troubleshoot and improve our application, website, and Services.
13. To conduct analytics and understand how our Services are used.
14. To conduct research and product development.
15. To personalise certain aspects of our Services.
16. To send information about new features, products, or Services where legally permitted.
17. To request feedback from users.
18. To investigate complaints and resolve disputes.
19. To protect the rights, property, security, and safety of TARGAR, our users, employees, partners, or other persons.
20. To enforce our Terms of Service and other agreements.
21. To conduct audits, risk assessments, security reviews, and business operations.
22. To facilitate partnerships and integrations necessary to provide our Services.
23. To perform business administration and reporting.
24. To fulfil other purposes disclosed to you at the time your personal data is collected or where otherwise permitted by law.

7. MARKETING AND COMMUNICATIONS

Where permitted by applicable law, TARGAR may communicate with you through:

• Email;
• SMS;
• Telephone calls;
• WhatsApp;
• Push notifications;
• In-app notifications; and
• Other communication channels you have provided or authorised.

These communications may include:

• Transaction notifications;
• Security alerts;
• Account information;
• Service updates;
• Customer support messages;
• Product information;
• Promotional communications; and
• Other information relating to TARGAR.

You may opt out of certain marketing communications at any time by following the unsubscribe instructions provided in the communication or contacting us through our official contact channel.

Please note that you may continue to receive essential transactional, security, legal, and service-related communications even after opting out of marketing communications.

8. SHARING YOUR PERSONAL DATA

TARGAR does not share personal data indiscriminately.

We may share personal data where necessary to provide our Services, fulfil legal obligations, protect our users, or operate our business.

8.1 Service Providers

We may share relevant personal data with service providers that assist us with:

• Payment processing;
• Banking and financial services;
• Identity verification;
• KYC and compliance;
• Fraud detection;
• Cybersecurity;
• Cloud hosting and storage;
• Analytics;
• Customer support;
• Communications;
• SMS and email delivery;
• WhatsApp communications;
• Software and technology infrastructure;
• Accounting and auditing;
• Legal services; and
• Other services necessary to operate TARGAR.

Such providers may only process personal data for authorised purposes and subject to appropriate contractual or legal safeguards.

8.2 Financial Institutions and Payment Partners

Where necessary to complete or facilitate a transaction, we may share relevant information with banks, payment processors, licensed financial institutions, and other payment partners involved in the transaction.

8.3 Regulators and Government Authorities

We may disclose personal data where required or permitted by law, including to:

• Regulatory authorities;
• Law enforcement agencies;
• Courts;
• Government agencies;
• Tax authorities; and
• Other authorised public bodies.

8.4 Professional Advisers

We may share information with lawyers, auditors, accountants, consultants, insurers, and other professional advisers where reasonably necessary for legitimate business or legal purposes.

8.5 Corporate Transactions

If TARGAR undergoes a merger, acquisition, restructuring, financing, sale of assets, bankruptcy, or similar corporate transaction, personal data may be transferred as part of that transaction, subject to applicable law and appropriate safeguards.

8.6 Aggregated or Anonymised Information

We may use and share aggregated or anonymised information that cannot reasonably be used to identify an individual.

For example, we may share statistics about the number of users, transaction volumes, usage patterns, or general characteristics of our customer base without identifying individual customers.

9. INTERNATIONAL DATA TRANSFERS

TARGAR primarily operates in Nigeria.

Where personal data needs to be transferred, stored, or processed outside Nigeria, we will take reasonable steps to ensure that such transfer is carried out in accordance with applicable Nigerian data protection laws.

Where required, we may implement appropriate safeguards, contractual protections, regulatory requirements, or other lawful mechanisms for international data transfers.

As our Services and technology infrastructure develop, certain service providers or technology partners may process information outside Nigeria. Where this occurs, TARGAR will take reasonable measures to ensure that applicable legal requirements and appropriate data protection safeguards are observed.

10. DATA SECURITY

We take reasonable technical and organisational measures to protect personal data against:

• Unauthorised access;
• Unlawful processing;
• Accidental loss;
• Destruction;
• Alteration;
• Disclosure;
• Fraud; and
• Other security threats.

Depending on the nature of the information and the risks involved, our safeguards may include:

• Encryption;
• Access controls;
• Authentication mechanisms;
• Monitoring and logging;
• Security testing;
• Employee access restrictions;
• Secure infrastructure;
• Backup procedures; and
• Other appropriate security measures.

However, no electronic transmission, storage system, or internet-based service can be guaranteed to be completely secure.

You are responsible for protecting your account credentials, passwords, PINs, authentication codes, and other security information.

You should notify TARGAR immediately if you suspect that your account or security credentials have been compromised.

11. YOUR PERSONAL DATA RIGHTS

Subject to applicable law and certain limitations, you may have rights regarding your personal data, including the right to:

11.1 Access

Request information about the personal data we hold about you.

11.2 Rectification

Request correction of inaccurate or incomplete personal data.

11.3 Erasure

Request deletion of your personal data where there is a lawful basis for doing so.

11.4 Restriction

Request that we restrict certain processing of your personal data in circumstances permitted by law.

11.5 Objection

Object to certain processing activities, including certain forms of direct marketing.

11.6 Data Portability

Request your personal data in a structured and commonly used format where applicable.

11.7 Withdrawal of Consent

Where processing is based on consent, you may withdraw your consent.

Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.

11.8 Complaint

You may raise a complaint with TARGAR regarding our handling of your personal data.

You may also have the right to lodge a complaint with the relevant data protection authority where permitted by applicable law.

12. HOW TO EXERCISE YOUR RIGHTS

To exercise your privacy rights or raise a data protection concern, contact TARGAR through our current privacy and customer support channel:

Email: support@targar-app.com
Location: ESBS, Independence Layout, Enugu State Nigeria

When submitting a request, we may need to verify your identity before processing the request.

We will respond to legitimate requests within the timeframe required by applicable law.

Certain requests may be refused or limited where permitted or required by law, including where we are required to retain information for legal, regulatory, security, fraud prevention, or other legitimate purposes.

Where TARGAR appoints a dedicated Data Protection Officer (“DPO”) or establishes a dedicated privacy contact channel, the relevant contact details will be updated in this Privacy Policy.

13. DATA RETENTION

We retain personal data only for as long as reasonably necessary for the purposes for which it was collected, unless a longer retention period is required or permitted by applicable law.

We may retain personal data for purposes including:

• Providing Services;
• Maintaining transaction records;
• Complying with legal and regulatory requirements;
• Preventing fraud and financial crime;
• Resolving disputes;
• Enforcing agreements;
• Maintaining business and financial records;
• Conducting audits;
• Security and fraud investigations; and
• Maintaining necessary backups and archives.

When personal data is no longer required, we will take reasonable steps to securely delete, anonymise, or otherwise dispose of it in accordance with applicable law and our internal retention procedures.

Closing or deactivating your TARGAR account does not necessarily result in the immediate deletion of all personal data.

14. CHILDREN'S PRIVACY

TARGAR does not knowingly collect or process personal data from children who are not legally permitted to use our Services.

If we become aware that we have collected personal data from a child in circumstances where such collection was not permitted, we will take reasonable steps to address the situation in accordance with applicable law.

If you believe a child has provided personal data to us improperly, please contact us at:

support@targar-app.com

15. THIRD-PARTY SERVICES AND LINKS

Our website or application may contain links, integrations, or connections to third-party services.

These third parties may have their own privacy policies and terms.

TARGAR is not responsible for the privacy practices of third-party services that we do not control.

We encourage you to review the privacy policies of third-party services before providing personal data to them.

16. FRAUD, SECURITY AND COMPLIANCE

Because TARGAR provides payment and financial technology services, we may process personal data for the purposes of preventing and detecting:

• Fraud;
• Money laundering;
• Terrorist financing;
• Identity theft;
• Account takeover;
• Unauthorised transactions;
• Financial crime;
• Cybercrime;
• Abuse of our Services; and
• Other unlawful or suspicious activities.

Where legally required or permitted, we may share relevant information with financial institutions, payment partners, regulators, law enforcement agencies, fraud prevention organisations, and other authorised parties.

17. BUSINESS AND MERCHANT DATA

Where a business or merchant uses TARGAR, we may process information relating to the business and individuals associated with that business.

This may include information relating to:

• Business owners;
• Directors;
• Partners;
• Proprietors;
• Authorised representatives;
• Beneficial owners;
• Employees or agents where necessary;
• Business transactions; and
• Business customers where required to provide the Services.

Businesses using TARGAR are responsible for ensuring that they have the necessary authority and lawful basis to provide personal data belonging to their customers, employees, representatives, or other individuals to TARGAR.

18. TRANSACTION DATA AND PAYMENT INFORMATION

TARGAR may process transaction information necessary to initiate, facilitate, confirm, reconcile, investigate, or support payments.

TARGAR will not intentionally request sensitive payment credentials through unofficial communication channels.

TARGAR will not ask you to disclose your password, PIN, OTP, or other confidential authentication information through unsolicited communications.

If you receive a suspicious request claiming to be from TARGAR, contact us through our official support channel:

support@targar-app.com

19. DATA BREACHES AND SECURITY INCIDENTS

If TARGAR becomes aware of a personal data breach or security incident affecting personal data, we will take reasonable steps to:

1. Investigate and contain the incident;
2. Assess the nature and extent of the incident;
3. Take measures to reduce potential harm;
4. Notify relevant authorities where required by applicable law; and
5. Notify affected individuals where required by applicable law.

20. PRIVACY BY DESIGN

TARGAR aims to incorporate privacy and data protection considerations into the design, development, implementation, and improvement of our products and Services.

As we introduce new products, features, technologies, integrations, and business processes, we may assess the privacy and security implications of such developments and implement appropriate safeguards where required.

Where a new processing activity presents a significant privacy risk, TARGAR may conduct an appropriate privacy or data protection impact assessment where required or considered appropriate.

21. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect:

• Changes in our Services;
• Changes in applicable laws;
• Changes in our business practices;
• New technologies;
• Regulatory requirements; or
• Other operational developments.

When we make material changes, we may provide notice through our website, application, email, or other appropriate channels.

The “Last Updated” date at the beginning of this Policy indicates when it was most recently revised.

We encourage you to review this Policy periodically.

22. CONTACT US

If you have questions about this Privacy Policy, wish to exercise your data protection rights, or want to make a privacy-related complaint, please contact us through the details below.

TARGAR SOFTWARES AND TECHNOLOGIES LIMITED
Trading as: TARGAR FINANCE
Location: Enugu State, Nigeria

Privacy & Data Protection Requests:
support@targar-app.com

General Customer Support:
support@targar-app.com

Where TARGAR establishes a dedicated privacy or Data Protection Officer contact channel, the relevant details will be added to this Policy.

23. GOVERNING LAW

This Privacy Policy shall be interpreted and applied in accordance with the applicable laws and regulations of the Federal Republic of Nigeria, including applicable Nigerian data protection legislation and regulations.

Where any provision of this Policy conflicts with a mandatory requirement of applicable law, the applicable law shall prevail to the extent of the conflict.

24. ACKNOWLEDGEMENT

By registering for or using TARGAR's Services, you acknowledge that you have had the opportunity to read and understand this Privacy Policy and that your personal data may be processed in accordance with applicable law and the terms described in this Policy.