Privacy Policy

1. Introduction

This Privacy Policy describes how e86 Limited ("we," "our," or "us") collects, uses, and shares information about you when you use our Instant e-Bill service (the "Service"). By using our Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, phone number, company details, and billing information
• Business Data: Tax identification numbers (TIN), business registration details, invoice information
• Communications: Messages you send to us through support channels or contact forms
• Payment Information: Billing address and payment method details (processed securely by our payment providers)

2.2 Information We Collect Automatically

• Usage Data: API calls, feature usage, timestamps, and service interactions
• Device Information: IP address, browser type, operating system, and device identifiers
• Log Data: System logs, error reports, and performance metrics
• Cookies: Session data, preferences, and analytics information

2.3 Information from Third Parties

• FIRS Integration: Tax compliance data and verification information from FIRS systems
• Payment Providers: Transaction confirmations and payment status updates
• Analytics Services: Aggregated usage statistics and performance data

3. How We Use Your Information

3.1 Service Provision

• Process and submit invoices to FIRS on your behalf
• Validate tax calculations and compliance requirements
• Generate reports and analytics for your business
• Provide customer support and technical assistance

3.2 Legal Compliance

• Comply with Nigerian tax laws and FIRS regulations
• Maintain records for audit and regulatory purposes
• Respond to legal requests and government inquiries
• Prevent fraud and ensure system security

3.3 Service Improvement

• Analyze usage patterns to improve our platform
• Develop new features and capabilities
• Monitor system performance and reliability
• Conduct research and development activities

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

4.1 Regulatory Requirements

• FIRS: Invoice and tax data as required for e-invoicing compliance
• Government Agencies: When legally required by Nigerian law
• Auditors: For regulatory compliance and audit purposes

4.2 Service Providers

• Cloud Infrastructure: Secure hosting and data storage providers
• Payment Processors: For billing and payment processing
• Analytics Services: For platform performance monitoring
• Support Tools: For customer service and technical support

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to the same privacy protections.

5. Data Security

5.1 Security Measures

• Encryption: All data is encrypted in transit and at rest using industry-standard protocols
• Access Controls: Role-based access with multi-factor authentication
• Monitoring: 24/7 security monitoring and threat detection
• Compliance: SOC 2 Type II and ISO 27001 certified security practices

5.2 Data Centers

Our primary data centers are located in Nigeria and comply with local data residency requirements. Backup data may be stored in secure facilities within the African continent.

6. Your Rights

6.1 Access and Control

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Export your data in a structured format

6.2 Communication Preferences

• Opt out of marketing communications
• Choose notification preferences
• Control cookie settings

6.3 Exercising Your Rights

To exercise any of these rights, contact us at privacy@e86.ng or use the privacy controls in your account dashboard.

7. Data Retention

• Account Data: Retained while your account is active
• Transaction Records: Retained for 7 years as required by Nigerian tax law
• Support Communications: Retained for 3 years for service improvement
• Usage Analytics: Aggregated data retained for statistical purposes

When data is no longer needed, it is securely deleted or anonymized in accordance with our data retention schedule and legal requirements.

8. Cookies and Tracking

8.1 Types of Cookies

• Essential Cookies: Required for basic platform functionality
• Analytics Cookies: Help us understand how the platform is used
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used for targeted advertising (with your consent)

8.2 Cookie Management

You can control cookie settings through your browser preferences or our cookie consent tool. Note that disabling certain cookies may affect platform functionality.

9. International Transfers

While we primarily store data within Nigeria, some processing activities may involve transfers to other countries. When this occurs, we ensure appropriate safeguards are in place, including:

• Adequacy decisions by relevant data protection authorities
• Standard contractual clauses
• Certification schemes and codes of conduct

10. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. For significant changes, we will provide additional notice via email or platform notifications.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us: