Terms and conditions

By registering and opening an account to use Kwiq Services, you have unconditionally agreed to and accept the terms and conditions stated hereunder:

• You undertake not to use Kwiq products and services to facilitate any illegal activities.
• The information contained on this website does not constitute accounting, legal, financial, consulting, investment or other professional advice. You bear all the risks from any decision to use Kwiq and Kwiq shall not be liable for any loss suffered.
• Your account may be terminated if we discover that you have provided us with false or misleading information, or refuse to provide correct information about your true identity.
• You agree and consent to receive correspondence from Kwiq via email, SMS, app notifications, social media, letters or any other media we use. You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers (PINs), or any other codes or credentials that you use to access the services.
• You are not allowed to sell, borrow, share or otherwise make available your account or any detail necessary to access your account to people or entities other than yourself.
• Your account shall not contain misleading or fraudulent information, including, but not limited to, having a non-personal phone number, creating fake reputation information for your account, faking your country of origin or providing fraudulent identification documents.
• We may at any time require you to complete our ID verification process and may also require you to submit additional identification documents to us if we deem it necessary. Failing to complete ID verification will be considered a violation of these Terms.
• Kwiq may change these Terms of Use at any time for any reason without notice.
• Kwiq may suspend your account at any time for any reason.

Privacy Policy

This Privacy policy between KWIQ TRADING SERVICES (hereinafter referred to as KWIQ) and you, constitutes our commitment to your privacy on our website, apps, social media platforms, administrative records and premises

• Your Privacy Rights.

  You undertake not to use Kwiq products and services to facilitate any illegal activities.

• Consent.

  You accept this Privacy Policy when you give consent upon access to our platforms, or use our services, content, features, technologies or functions offered on our website, apps, digital platforms or visit any of our offices for official or non-official purposes (collectively “KWIQ's services”). This Policy governs the use of KWIQ's services and intervention projects by our users and stakeholders unless otherwise agreed through written contract. We may amend this Privacy Policy at any time by posting a revised version on our website, apps, platforms, or placing such notice at conspicuous points at our office facilities. The revised version will be effective 7-days after publication.

• Your Personal Information.

  When you use KWIQ&apso;s Services, we may collect information sent to us by your computer, mobile phone or other electronic access device. The automatically collected information includes but not limited to- data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, standard web log data, still and moving images. We may also collect information you provide us including but not limited to - information on web forms, survey responses, account update information, email, phone number, organization you represent, official position, correspondence with KWIQ'S support services and telecommunication with KWIQ. We may also collect information about your transactions, enquiries and your activities on our platforms or service channels. We may also use information provided by third parties like social media sites. Information about you provided by other sites are not controlled by KWIQ and we are therefore not liable for how they use it.

• Your Personal Information.

  The purpose of our collecting your personal information is to give you efficient, enjoyable and secure service. We may use your information to:

  • Provide KWIQ's services and support;
  • Process applications and send notices about your transactions to requisite parties;
  • Verify your identity;
  • Resolve disputes, collect fees, and troubleshoot problems;
  • Manage risk, detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
  • Detect, prevent or remediate violation of Laws, Regulations, Standards, Guidelines and Frameworks;
  • Improve KWIQ's Services by implementing aggregate customer or user preferences;
  • Measure the performance of the KWIQ's Services and improve content, technology and layout;
  • Track information breach and remediate such identified breaches;
  • Manage and protect our information technology and physical infrastructure;
  • Contact you at any time through your provided telephone number, email address or other contact details.
• Cookies.

  Cookies are small files placed on your computer's hard drive that enables the website to identify your computer as you view different pages. Cookies allow websites and applications to store your preferences in order to present contents, options or functions that are specific to you. Like most interactive websites, our website uses cookies to enable the tracking of your activity for the duration of a session. Our website uses only encrypted session cookies which are erased either after a predefined timeout period or once the user logs out of the platform and closes the browser. Session cookies do not collect information from the user’s computer. They will typically store information in the form of a session identification that does not personally identify the user.

• How we protect your personal information.

  We store and process your personal information on our computers in Nigeria. Where we need to transfer your data to another country, such country must have an adequate data protection law. We will seek your consent where we need to send your data to a country without an adequate data protection law. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.

• How We Share your information within KWIQ and other users.

  During your interaction with any of our platforms or premises, we may provide Ministries, Departments, Agencies (MDAs), other organs of government, private sector operators performing government functions, with information such as your name, contact details, or other details you provide us for the purpose of performing their statutory mandate to you or third parties. We work with third parties, banks, financial institutions and corporate bodies to perform KWIQ's services and implement its mandate. In doing so, a third party may share information about you with us, such as your email address or mobile phone number. You accept that your pictures and testimonials on all social media platforms about KWIQ can be used for limited promotional purposes by us. This does not include your trademarked or copyrighted materials. From time to time we may send you relevant information such as news items, enforcement notice, statutorily mandated notices and other informative notices to help KWIQ serve you better. We may also share your personal information in compliance with National or international laws; crime prevention and risk management agencies and service providers.

• Security.

  We promise to and will always hold your information securely. To prevent unauthorized access to your information, we have implemented strong controls and security safeguards at the technical and operational levels. You should see the padlock symbol in your URL address bar once you are successfully logged into the platform. The URL address will also start with https:// depicting a secure webpage. SSL applies encryption between two points such as your device and the connecting server. Any data transmitted during the session will be encrypted before transmission and decrypted at the receiving end. This is to ensure that data cannot be read during transmission. KWIQ has also taken measures to comply with global Information Security Management Systems (ISMS) we therefore have put in place digital and physical security measures to limit or eliminate possibilities of data privacy breach incidents.

• Data Confidentiality Rights.

  Your information is regarded as confidential and will not be divulged to any third party except under legal and/or regulatory conditions. You have the right to request sight of, and copies of any and all information we keep on you. While KWIQ is responsible for safeguarding the information entrusted to us, your role in fulfilling confidentiality duties includes, but is not limited to, adopting and enforcing appropriate security measures such as non-sharing of passwords and other platform login details, adherence with physical security protocols on our platforms, dealing with only authorized officers of KWIQ.

• Links to Other Websites and Premises.

  Certain transaction processing channels may require links to other websites other than ours. Please note that KWIQ is not responsible and has no control over websites outside its domain. We do not monitor or review the content of other party's websites which are linked from our website or media platforms. Opinions expressed or materials appearing on such websites are not necessarily shared or endorsed by us, and KWIQ should not be regarded as the publisher of such opinions or materials. Please be aware that we are not responsible for the privacy practices, or content of these sites. We encourage our users to be aware of when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. KWIQ will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

• Governing Law.

  This Privacy Policy is made pursuant to and in compliance with the Nigeria Data Protection Regulation (2019) and other relevant Nigerian laws, regulations or international conventions applicable to Nigeria. Where any provision of this Policy is deemed inconsistent with a law, regulation or convention, such provision shall be subject to the overriding law, regulation or convention.

COOKIES POLICY

Cookies are small text files which are transferred from our websites, apps, platforms or portals and stored on your device. We use cookies to help us provide you with a personalized service, and to help make our websites or portals better for you.

Our cookies may be session cookies (temporary cookies that identify and track users within our websites or portals which are deleted when you close your browser or leave your session) or persistent cookies (cookies which enable our websites or portals to “remember” who you are and to remember your preferences within our websites or portals and which will stay on your computer or device after you close your browser or leave your session

Our cookies may be session cookies (temporary cookies that identify and track users within our websites or portals which are deleted when you close your browser or leave your session) or persistent cookies (cookies which enable our websites or portals to “remember” who you are and to remember your preferences within our websites or portals and which will stay on your computer or device after you close your browser or leave your session