General

This Privacy Policy explains how we collect, use, disclose and safeguard your data when you visit our website located at www.goldclub.ng, including any other media form, media channel, mobile website or mobile application related or connected thereto (collectively, the “Site”) and use the various content, features, other materials, products and services, including legal information and legal forms (the “Services”). BY USING OR ACCESSING THE SITE AND/OR THE SERVICES, YOU ARE ACCEPTING THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT USE OR ACCESS THE SITE.

COLLECTION AND USE OF INFORMATION
We may collect and use information about you in a variety of ways. Examples of the types of data we collect and use include:
Derivate Data. Like most website operators, we gather from users of the Site information of the sort that web browsers, depending on their settings, may make available or that our servers automatically recognize when you access the Site or the Services. That information includes your Internet Protocol (IP) address, operating system and browser type, and the locations of the websites you view right before arriving at, while navigating and immediately after leaving the Site. Such information is not personally identifiable, but it still may be possible for us to determine from an IP address your Internet service provider and the geographic location of your point of connectivity, as well as other statistical usage data. We analyze such information to help us better understand how the Site is being used. By identifying patterns and trends in usage, we are able to better design the Site to improve your experiences, both in terms of content and ease of use. From time to time, we may also release this information in the aggregate, such as by publishing a report on trends in the usage of the Site.

Personal and Financial Information. At the time you register with the Site, we may collect “Personal Information” about you, which is information that, without more, can be directly associated with a specific person. Personal Information may include your name, residential or business address, email address and telephone number, and, if you transact business with us, financial information such as your payment method (valid credit card number, type, expiration date or other financial information). We also may request information about your interests, activities, gender, age, date of birth, username, hometown and other demographic or relevant information as determined by us from time to time. You are under no obligation to provide us with Personal Information of any kind, with the caveat that your refusal to do so may prevent you from using certain features of the Site or the Services.

Email Communications. We may occasionally use your name and email address to send you notifications regarding new services offered by the Site that we think you may find valuable. We may also send you service-related announcements from time to time. Generally, you may opt out of such emails at the time of registration or by following the unsubscribe link in the email communications, though we reserve the right to continue to send you notices about your account.

General Use. We use the Personal Information we maintain about you, and other information we obtain from your current and past activities on the Site to:

  1. deliver the products and services that you have requested;
  2. manage your account and provide you with customer support;
  3. communicate with you by email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, our affiliates or other third parties;
  4. develop and display content and advertising tailored to your interests on the Site and other sites;
  5. resolve disputes and troubleshoot problems;
  6. measure consumer interest in the Services;
  7. inform you of updates;
  8. customize your experience;
  9. detect and protect us against error, fraud and other criminal activity;
  10. enforce our Terms of Use; and
  11. do as otherwise described to you at the time of collection.
At times, we may look across multiple users to identify problems. In particular, we may examine your Personal Information to identify users using multiple user IDs or aliases. We may compare and review your Personal Information for accuracy and to detect errors and omissions. We may use your financial information or payment method to process payment for any purchases made on the Site, enroll you in any discount, rebate, or other program in which you elect to participate, protect against or identify possible fraudulent transactions and do as otherwise needed to manage our business.

Contests, Giveaways and Surveys. From time to time, we may offer you the opportunity to participate in contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy. From time to time, we may also ask you to participate in surveys designed to help us improve the Site. Any Personal Information provided to us in connection with any survey will be used only in relation to that survey, and will be disclosed to third parties not bound by this Privacy Policy only in aggregated form.


DISCLOSURES OF INFORMATION
We may disclose your Personal Information under the following circumstances:

By Law or to Protect Rights. When we believe disclosure is appropriate, we may disclose your Personal Information:

  1. in connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing;
  2. to protect and defend our rights, property or safety or those of our users, our employees or others;
  3. to comply with applicable law or cooperate with law enforcement;
  4. to enforce our Terms of Use or other agreements or policies;
  5. in response to a subpoena or similar investigative demand, court order or request for cooperation from a law enforcement or other government agency;
  6. to establish or exercise our legal rights;
  7. to defend against legal claims; or
  8. as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.

Marketing Communications. Unless you opt-out from receiving our marketing materials upon registration, we may email you about products and services that we believe may be of interest to you, and we also may provide your email information to third parties so that those third parties may directly contact you about additional products and services. If you wish to opt-out of receiving marketing materials from us, you may do so by following the unsubscribe link in the email communications, by going to your account settings or by contacting us using the contact information provided below. Similarly, to cease having your email information provided to third parties, you may do so by going to your account settings or contacting us using the contact information provided below. Even after opting-out, you may continue to receive marketing emails from third parties to whom we have already provided your email information. You will be responsible for directly contacting such third parties to request cessation of further marketing emails.

Online Postings. Certain Personal Information collected from you is disclosed as a matter of course as a result of your use of the Site. We may provide publicly-viewable areas on the Site where you can post reviews and other information relating to your activities on the Site. Such postings are governed by our Terms of Use. Whenever you voluntarily disclose Personal Information in publicly-viewable areas of the Site, that information will be publicly available and can be collected and used by others. For example, if you post your email address, you may receive unsolicited messages. In addition, such postings may appear on other websites or when searches are executed on the subject of your posting. We cannot control who reads your postings or what other users may do with the information you voluntarily post, so we encourage you to exercise discretion and caution with respect to your Personal Information. YOU ASSUME ALL RESPONSIBILITY FOR ANY LOSS OF PRIVACY OR OTHER HARM RESULTING FROM YOUR VOLUNTARY DISCLOSURE OF PERSONAL INFORMATION.

Business Partners. When you make purchases or engage in promotions offered through the Site or the Services, we may share your Personal Information with our business partners to offer you those products, services or promotions. When you elect to make a purchase or engage in promotions offered through the Site or the Services, you authorize us to provide your email address and other Personal Information to our business partners.

Business Partners. When you make purchases or engage in promotions offered through the Site or the Services, we may share your Personal Information with our business partners to offer you those products, services or promotions. When you elect to make a purchase or engage in promotions offered through the Site or the Services, you authorize us to provide your email address and other Personal Information to our business partners.

Third Party Service Providers. We may share your Personal Information, which may include your name and contact information (including email address) with our authorized service providers that perform certain services for or on our behalf. These services may include fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting the Site’s functionality and supporting contests, sweepstakes, surveys and other features offered through the Site. We may also share your name, contact information and credit card information with our authorized service providers who process credit card payments. These service providers may have access to your Personal Information and/or financial information as needed to perform their functions, but are not permitted to share or use such information for any other purpose.

Other Third Parties.We may share your aggregated information with advertisers and investors for the purpose of conducting general business analysis. We may also share your Personal Information with such third parties for marketing purposes, as permitted by law. If you do not wish to have your Personal Information shared with third parties, you may opt-out by going to your account settings or by contacting us using the contact information provided below.

Business Transfers and Bankruptcy. We reserve the right to transfer all of your Personal Information in our possession to a successor organization in the event of a merger, acquisition, bankruptcy or other sale of all or a portion of our assets. You acknowledge that any such transfers may occur, and that the successor organization or other transferee may decline to honor commitments made in this Privacy Policy.


Tracking Technologies

Cookies. We use cookies on the Site to: (1) keep track of the Services you have used; (2) record registration information regarding your login name and password; (3) record your user preferences; (4) keep you logged into the Site; and (5) facilitate purchase procedures. We also use cookies to track the pages that you visit during each session, both to help us improve your experience and to help us understand how the Site is being used. We analyze and disclose in aggregated form information gathered using cookies, so as to help us, our partners and others better understand how the Site and the Services are being used. We do not attempt to link information gathered using cookies to your Personal Information. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the Site or the Services.

Web Beacons. We may use web beacons on the Site and in emails to count users who have visited particular pages and viewed emails, and to deliver co-branded services. Web beacons are also a technique we may use to compile aggregated statistics about usage of the Site. Web beacons collect only a limited set of information, including a cookie number, time and date of a page or email view and a description of the page or email on which the web beacon resides. You may not decline web beacons. However, they can be rendered ineffective by declining all cookies or by modifying your web browser’s settings to notify you each time a cookie is tendered, permitting you to accept or decline cookies on an individual basis.

Analytics. We may also partner with selected third party vendors, such as Google Analytics, to allow tracking technologies and remarketing services on the Site through the use of first party cookies (such as the Google Analytics cookie) and third party cookies (such as the DoubleClick cookie), including Google Analytics for Display Advertising and Google AdWords. If you do not want any information to be collected and used by Google Analytics, you can install a Google Analytics opt-out plugin in your web browser, update your preferences in the Google Ads Settings page or use the Network Advertising Initiative opt-out tool.

LINKS TO THIRD PARTY WEBSITES The Site and the Services may contain links to third party websites and applications of interest, including advertisements and external services. However, once you have used these links to leave the Site, you should note that we neither own nor have any control over those third party websites or applications. Thus, this Privacy Policy does not apply to information provided to or gathered by the third parties that operate them. Before visiting any third party websites or using any third party applications, whether by means of a link on the Site, directly through the Site or otherwise, and before providing any Personal Information to any such third party, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website or application, and should take those steps necessary to, in your discretion, protect the privacy of your data.

SECURITY We use reasonable administrative, technical and physical measures to protect your Personal Information from loss, theft, alteration or misuse. However, please be advised that even the best security measures cannot fully eliminate all risks. Any data disclosed online is vulnerable to interception and misuse by unauthorized third parties. We cannot guarantee that only authorized persons will view your Personal Information. We are not responsible for third party circumvention of any privacy settings or security measures.

CHANGING OR TERMINATING YOUR ACCOUNT You may at any time review or change the information in your account or terminate your account by going to your account settings or by contacting us using the contact information provided below. Upon your request, we will deactivate or delete your account and Personal Information from our active databases. Such Personal Information will be deactivated or deleted as soon as practicable based on your account activity and in accordance with our deactivation policy and applicable law. We will retain in our files some of your Personal Information to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and comply with legal requirements as is permitted by law. Therefore, you should not expect that all of your Personal Information will be completely removed from our databases in response to your requests. Additionally, we keep a history of changed information to investigate suspected fraud with your account.

PRIVACY POLICY CHANGES We reserve the right to make changes or modifications to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the “Version Date” of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on the Site, and you waive the right to receive specific notice of each such change or modification. We encourage you to regularly review this page for any changes to this Privacy Policy.

POLICY FOR CHILDREN The Children’s Online Privacy Protection Act protects the online privacy of children under 18 years of age. The Site and the Services are not directed to children, and we do not knowingly collect or maintain Personal Information from anyone under the age of 18. If we learn that Personal Information has been collected from a user under 18 years of age, we will take the appropriate steps to cause this Personal Information to be deleted from our records. If you are the parent or legal guardian of a child under 18 years of age who has registered with the Site or has otherwise transferred Personal Information to the Site, please contact us using the contact information provided below to have your child’s account terminated and Personal Information deleted. If you are under 18 years of age, reside in Nigeria and have a registered account on the Site, you have the right to request removal of unwanted Personal Information that you publicly disclose on the Site. To request removal of such Personal Information, contact us using the contact information provided below and include a statement that you reside in Nigeria. While we will make sure the Personal Information is not publicly displayed on the Site, please be aware that the data may not be completely or comprehensively removed from our systems.

DO-NOT-TRACK FEATURE Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. Because there is not yet a common understanding of how to interpret the DNT signal, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.

CONTACT US If you have any questions regarding our Privacy Policy, please contact our compliance officer at: GoldClub International 0700GOLDCLUB compliance@goldclub.help