Business policy

1. INTRODUCTION

Hello, Pawnshop by Bluradish (“We” “Our” “Us”) is a luxury pawnshop and financier for individuals and corporations headquartered in Lagos Nigeria and with presence in major cities across the globe. We offer a range of services that enable youto purchase, sell luxury items and also secure loans with private luxury items. Welcome to Our Privacy Notice. We understand that you care much about your privacy, and we are committed to protecting your personal data. This Privacy Notice describes how we processes personal data and the rights available to you. Please read the entire Privacy Notice to understand how we process your personal data andthe rights available to you.

2. DATA PROTECTION OFFICER (DPO)

Pawnshop by Bluradish has in compliance with the relevant laws designated a data protection officer for you to contact if you have any questions concerning this Notice or our privacy practices. Our DPO can be reached via dpo@Pawnshopbyblu.com

3. INFORMATION WE COLLECT ABOUT YOU

For the services we render, we may collect personal data including names, contact address, telephone numbers, social media accounts, personal identity, payment information, still and motion images, communication data such as email content and call logs, technical data such IP address, location data, log files and other relevant personal data. SENSITIVE INFORMATION When necessary, with your consent and or otherwise as permitted by applicable law, we process the following category of sensitive information:

  • Personal Information
  • Biometric Data (where applicable)
  • NIN, International Passport details or other government identifiers.

4. SOURCES WE COLLECT YOUR PERSONAL DATA FROM

We collect data directly from you when you correspond with us, fill physical or online form on our website, register or sign up to our application. We may also receive data from third party such as serviceproviders like Google, social media or public registry.

5. HOW WE USE YOUR PERSONAL DATA

We process your personal data in order to achieve the following:

  • To facilitate account creation and authentication and otherwise manage user accounts where applicable.
  • To respond to user inquiries/offer support to users.
  • To send administrative information to you.
  • To fulfil and manage your orders.
  • To send you marketing and promotional communications.
  • To deliver targeted advertising to you.
  • To post testimonials.
  • To protect our Services.
  • To evaluate and improve our Services, products, marketing, and your experience.
  • To identify usage trends.
  • To tailor our services to better suit your need.
  • To perform contractual obligations between you and us.
  • To comply with legal obligations.
  • To investigate, defend and exercise our legal rights.

FURTHER PURPOSE We will only process your personal data for the particular purposes for which we collected it. We will notify you and obtain your consent before using it for any further purpose that is not compatible with the original purpose.

6. LEGAL BASES FOR PROCESSING YOUR PERSONAL DATA

We may process your personal data on one or more lawful grounds depending on the specific purpose for which we are using your personal data. Kindly contact us if you need further details or clarity about the specific legal ground, we are relying on to process your personal data where more than one ground has been stated. We will rely on any of the legal bases listed below depending on the processing activities:

  • We will ask you for your consent in certain processing activities especially where it involves collection of sensitive personal data. Where we obtain your consent, kindly note that you can withdraw the consent at any time and we will comply by not further processing your personal data, however this may affect your enjoyment for the services for which the information would be necessary for.
  • We may process your personal data in order to perform contract you have entered with us or take pre-contractual steps at your instruction.
  • We may rely on our legitimate interest to process your personal data in order to tailor our services to suit your need.
  • We may process your personal data where law mandates us to do so.

7. WHAT CONSTITUTE CONSENT

We rely on consent in certain circumstances to process some of yourpersonal data. Where we require your consent, ticking a yes/no box, endorsing your signature in a form or document, clicking acceptbutton will constitute consent.

8. WHOM DO WE SHARE YOUR PERSONAL DATA WITH?

We may disclose your personal information to third parties such as online payment solutions, regulators, experts and consultants, third party service providers such data storage infrastructure provider, Google, amongst others.

9. DATA RETENTION

We will only retain your personal data for as long as reasonably necessary to fulfill the purposes they were collectedand where we arerequired to assert or defend against legal claims, pending the final adjudication of the claim. In some circumstances we will anonymize your personal data so that it can no longer be associated with you for research or statistical purposes, in which case we may further use this Information without further notice to you. To learn more about our retention periods as established in our retention policy, please contact us.

10. PRINCIPLES OF DATA PROTECTION

We are obligated to comply with data protection principles wheneverwe process your personal data and to inform you about these principles. These principles are:

  • We will inform you about the personal data we have about you, andthe lawful basis for processing it.
  • We must use your personal data in a way you reasonably expect and in a manner that ensures transparency, lawfulness, and fairness.
  • We will not use your personal data for any other reason that is notcompatible with the reason we collected it except we have informed you and relied on an appropriate lawful basis.
  • We will only collect personal data about you that is only necessaryto meet the required purpose and nothing more.
  • We will only use your correct personal data in the course of our processing activities.
  • We will not store or keep your personal data in our custody beyondthe period necessary to fulfil the purpose for which it is collected.
  • We will ensure that your personal data in our custody is protectedfrom unauthorized use, alteration or corruption.

11. YOUR LEGAL RIGHTS

You have certain rights under the law which we respect and adhere toand which can be exercised by you at any time. However, note that these rights are not absolute and may only apply in certaincircumstances. Your rights are as itemized:

  • right to access your personal data
  • right to request correction of your personal data
  • right to request the erasure of your personal data
  • right to object to the processing of your personal data especiallywith regards to direct marketing
  • right to request the restriction of processing of your personal datapending the rectification of accuracy of your personal data
  • right to request transfer of your personal data to another controlleror to you.
  • right to withdraw consent

12. DO WE TRANSFER YOUR PERSONAL DATA OUTSIDE NIGERIA?

We may have the cause to transfer your personal data to our vendors or expert consultants in foreign countries. We will always ensure adequate protection of your data in these circumstances. Whenever we are transferring your personal data outside Nigeria to countries deemed not to have adequate data protection law, we will comply with the appropriate safeguards which the law has provided such as standard contractual clauses, binding corporate rule or consent. Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of Nigeria.

13. DATA SECURITY

The security of your personal information is important to us. We haveput appropriate security measures to protect your personal information, no method of transmission over the internet is 100% secure but we have implemented appropriate security measures suchas encryption, firewall, and locks in place to prevent accidental loss ofpersonal data, and/or to ensure that personal data is not used, accessed, altered, or disclosed in an unauthorized manner. In addition, we limit access to your personal data to only necessary employees, agents, contractors, and other third parties who we have business need with us. They will only process your personal data on our instructionsand are strictly subject to a duty of confidentiality. We have put in place some procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach within 72 hours where we are obligated to do so.

14. RIGHT TO COMPLAINT

Kindly note that you have the right to make a complaint at any time tothe Nigeria Data Protection Bureau (NDPB), the Regulator for data protection issues (https://ndpb.gov.ng/) or approach competent court of law to enforce your data protection rights. We would, however, appreciate the chance to deal with your concerns before youapproach the NDPB, so please contact us in the first instance @ pawnshopbybluradish@gmail.com or send a letter to our physical office @ 5 Furo Ezimora Street,Lekki Phase I, Lagos.

15. COOKIES

We use cookies and other tracking technologies on our website. Cookies are small pieces of text that are saved on your Internet browser when you use our website. The cookies are sent back to our computereach time you visit our website. Cookies make it easier for us to give you a better experience online. You can stop your browser fromaccepting cookies, but if you do, some parts of our website or online services may not function appropriately. Please read our comprehensive cookies policy for more information

16. CHANGES TO OUR PRIVACY NOTICE

This privacy notice will be updated from time to time to reflect our processing activities and we will aim to notify you when this happens. 17. CONTACT DETAILS Please address questions, comments and requests regarding this Notice to our dpo@pawnshopbybluradish.com or send a letterto our physical office @ 5 Furo Ezimora Street, Lekki Phase I, Lagos. 31b Admiralty Way, Lekki I, Lagos.