Privacy Policy

1. Introduction

Pamocart (“Pamocart”, “we”, “our”, or “us”) is committed to protecting the privacy, confidentiality, and security of personal information entrusted to us by users of our platform.

This Privacy Policy explains how Pamocart collects, processes, stores, shares, protects, and manages personal data obtained through our website, mobile applications, marketplace services, payment processes, logistics operations, customer support channels, and related services.

This Privacy Policy is designed in accordance with applicable data protection and privacy regulations, including:

• The Nigerian Data Protection Act (NDPA),
• Nigeria Data Protection Commission (NDPC) guidelines,
• Applicable anti-money laundering and fraud prevention obligations,
• International privacy and information security best practices where applicable.

By accessing or using Pamocart services, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

2. Information We Collect

Pamocart may collect and process the following categories of information:

A. Personal Identification Information

• Full name,
• Phone number,
• Email address,
• Residential or delivery address,
• Government-issued identification documents,
• Facial verification photographs,
• Date of birth where applicable,
• BVN or other legally permitted verification identifiers.

B. Financial & Transaction Information

• Payment transaction records,
• Order history,
• Purchase records,
• Delivery confirmations,
• Refund and dispute records,
• Settlement and payout records,
• Bank account details for payouts.

Pamocart does not store complete debit or credit card details on its servers.

C. Technical & Device Information

• IP address,
• Browser type,
• Device identifiers,
• Mobile device information,
• Operating system,
• App interaction data,
• Session logs,
• Cookies and analytics information.

D. Location Information

Pamocart may collect real-time or approximate location information where necessary to:

• Verify shopper or rider activity,
• Confirm market arrival and fulfillment activity,
• Facilitate deliveries,
• Prevent fraud and unauthorized access,
• Improve operational efficiency and platform security.

Location tracking is limited to operational and security-related purposes.

3. Legal Basis for Processing Personal Data

Pamocart processes personal information based on one or more of the following lawful grounds:

• User consent,
• Performance of contractual obligations,
• Compliance with legal and regulatory obligations,
• Fraud prevention and security interests,
• Legitimate business and operational interests,
• Protection of users, platform integrity, and public interest where applicable.

4. How We Use Personal Information

Pamocart may use collected information to:

• Operate and improve marketplace services,
• Process customer orders and payments,
• Facilitate settlements and payouts,
• Verify user identities,
• Prevent fraud, abuse, and unauthorized activities,
• Conduct risk assessments and compliance monitoring,
• Facilitate deliveries and logistics coordination,
• Provide customer support,
• Send operational notifications and service communications,
• Resolve disputes and complaints,
• Comply with legal, regulatory, and law enforcement requirements,
• Monitor service quality, security, and operational performance.

5. User Verification & Compliance Measures

Pamocart applies risk-based verification and compliance procedures for customers, vendors, shoppers, and dispatch riders.

Verification measures may include:

• BVN verification,
• Government-issued ID verification,
• Facial verification,
• Address verification,
• Business verification where applicable,
• Fraud screening and transaction monitoring.

Pamocart reserves the right to:

• Conduct enhanced due diligence,
• Request additional verification information,
• Restrict, suspend, or terminate accounts that violate platform policies, legal obligations, or security requirements.

6. Payments & Financial Processing

Payments on Pamocart are processed through licensed and secure third-party payment service providers and financial technology partners.

Pamocart implements reasonable safeguards to ensure secure transaction processing and operational settlement management.

Transaction balances displayed within the platform are used solely for payout and operational settlement purposes and do not constitute deposit-taking, savings, investment, or banking services.

7. Sharing & Disclosure of Information

Pamocart may share information with:

• Licensed payment processors,
• Identity verification providers,
• Logistics and delivery partners,
• Fraud prevention and security service providers,
• Technology and infrastructure providers,
• Regulatory authorities and law enforcement agencies where legally required,
• Professional advisers, auditors, or compliance consultants where necessary.

Pamocart does not sell personal information to third parties.

Information is disclosed only where necessary, legally permitted, or operationally required.

8. International Data Transfers

Where required for operational, technical, or security purposes, personal information may be processed or stored outside Nigeria through trusted third-party service providers.

Pamocart takes reasonable steps to ensure that cross-border data transfers are conducted in accordance with applicable data protection laws and appropriate safeguards.

9. Data Retention

Pamocart retains personal information only for as long as necessary to:

• Fulfill operational purposes,
• Meet contractual obligations,
• Comply with legal and regulatory requirements,
• Resolve disputes,
• Enforce platform agreements,
• Detect and prevent fraud or abuse.

Retention periods may vary depending on applicable legal, regulatory, operational, and security obligations.

10. Cookies & Tracking Technologies

Pamocart uses cookies, analytics tools, and similar technologies to:

• Improve platform functionality,
• Maintain secure user sessions,
• Analyze traffic and user behavior,
• Enhance security and fraud prevention,
• Personalize user experience,
• Improve operational performance.

Users may manage cookie preferences through their browser or device settings where applicable.

11. Data Security

Pamocart implements reasonable administrative, technical, organizational, and operational safeguards designed to protect personal information against:

• Unauthorized access,
• Loss or theft,
• Misuse,
• Alteration,
• Disclosure,
• Destruction.

Security measures may include:

• Access controls,
• Encryption technologies,
• Secure authentication processes,
• Monitoring systems,
• Fraud prevention controls.

While Pamocart takes reasonable steps to secure personal information, no electronic transmission or storage system can guarantee absolute security.

12. User Rights

Subject to applicable laws and verification requirements, users may have the right to:

• Request access to their personal information,
• Request correction of inaccurate data,
• Request deletion of eligible information,
• Withdraw consent where applicable,
• Object to certain forms of processing,
• Request restriction of processing,
• Request data portability where legally applicable.

Requests may be subject to identity verification, security checks, and legal limitations.

13. Children’s Privacy

Pamocart services are not intended for persons under the age of 18.

Pamocart does not knowingly collect or process personal information from minors without appropriate legal authorization or parental consent where required by law.

14. Third-Party Links & Services

Pamocart platforms may contain links to third-party websites, applications, or services.

Pamocart is not responsible for the privacy practices, security standards, or content of third-party platforms. Users are encouraged to review the privacy policies of external services before engaging with them.

15. Policy Updates

Pamocart reserves the right to update or modify this Privacy Policy periodically to reflect:

• Operational changes,
• Legal or regulatory developments,
• Security improvements,
• Service enhancements.

Updated versions will be published on the platform with the revised effective date.

Continued use of Pamocart services after updates constitutes acceptance of the revised Privacy Policy.

16. Contact Information

For privacy-related inquiries, complaints, requests, or data protection concerns, users may contact:

Pamocart Support Team

Email: hello@pamocart.com

Phone: 09050008618

Website: www.pamocart.com

By accessing or using Pamocart services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.