Privacy Policy

1.1 Who We Are

MarketBook is a software-as-a-service (SaaS) platform operated by Averit Technology Limited. We provide point of sale (POS), inventory management, and business management tools to help businesses operate more efficiently.

1.2 What This Policy Covers

This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you use MarketBook. It applies to:

• Our website (marketbook.app and related domains)
• Our mobile applications (iOS and Android)
• Our web application and dashboard
• Any other services we provide

1.3 Relationship to Terms of Service

This Privacy Policy works together with our Terms of Service. By using MarketBook, you agree to both documents.

1.4 Legal Disclaimer

Important: This Privacy Policy is a draft for informational purposes and does NOT constitute legal advice. It should be reviewed by a qualified lawyer before being relied upon for legal compliance.

We collect different types of information depending on how you use MarketBook. Here's what we collect and why:

2.1 Information You Provide Directly

This is information you actively give us when you sign up, use our services, or contact us:

2.2 Information Collected Automatically

When you use MarketBook, we automatically collect certain technical information:

2.3 Information from Third Parties

In limited cases, we may receive information about you from third parties:

• Payment Processors: Transaction status, payment success/failure (no full card numbers)
• Authentication Providers: If you sign in with Google or other OAuth providers
• Analytics Services: Aggregated usage statistics from Google Analytics or similar tools
• Referral Sources: How you found MarketBook (e.g., from a link, ad, or search engine)

We use the information we collect for specific, legitimate business purposes. We do NOT sell your information to third parties.

3.1 To Provide and Operate the Service

• Create and manage your account
• Process and record your business transactions
• Store and organize your product inventory
• Track sales, expenses, and financial data
• Generate reports and analytics for your business
• Synchronize data across your devices
• Enable offline functionality

3.2 To Process Payments

• Charge subscription fees through third-party payment processors
• Send payment receipts and invoices
• Manage billing cycles and renewals
• Handle refunds when applicable
• Prevent fraudulent transactions

3.3 To Communicate With You

• Send important service notifications (e.g., account changes, security alerts)
• Respond to your support requests and questions
• Send updates about new features or changes to our service
• Send marketing emails (only if you opt-in - you can unsubscribe anytime)
• Notify you about subscription renewals or payment issues
• Request feedback through surveys (optional participation)

3.4 To Improve Our Service

• Analyze usage patterns to understand which features are most valuable
• Identify and fix bugs and technical issues
• Develop new features based on user needs
• Optimize performance and loading times
• Conduct A/B testing to improve user experience
• Train our support team to better assist users

3.5 For Security and Fraud Prevention

• Detect and prevent unauthorized account access
• Identify suspicious activity and potential fraud
• Enforce our Terms of Service
• Protect against spam and abuse
• Investigate security incidents
• Monitor for malicious activity

3.6 For Legal Compliance

• Comply with applicable laws and regulations
• Respond to legal requests from authorities
• Enforce our legal rights
• Resolve disputes
• Maintain records for tax and accounting purposes

3.7 For Marketing and Analytics

• Understand how users find and use MarketBook
• Measure the effectiveness of our marketing campaigns
• Analyze aggregate trends and statistics (anonymized data)
• Send promotional content (only with your consent)

Important: We do NOT sell your personal information or business data to third parties for their marketing purposes.

We may share your information only in the following limited circumstances:

4.1 With Service Providers

We share data with third-party companies that help us operate MarketBook. These service providers are contractually obligated to protect your data and use it only for the services they provide to us:

• Cloud Hosting Providers: To store data securely (e.g., AWS, Google Cloud, Azure)
• Payment Processors: To handle subscription payments (e.g., Paystack, Stripe)
• Email Service Providers: To send transactional and marketing emails (e.g., SendGrid, Mailgun)
• Analytics Providers: To analyze usage patterns (e.g., Google Analytics)
• Customer Support Tools: To manage support tickets (e.g., Intercom, Zendesk)
• Security Services: To protect against fraud and attacks

4.2 With Your Consent

We may share your information with third parties if you explicitly give us permission to do so.

4.3 For Legal Reasons

We may disclose your information if required by law or if we believe it's necessary to:

• Comply with legal process (subpoenas, court orders, etc.)
• Respond to requests from law enforcement or government authorities
• Enforce our Terms of Service
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our users or the public
• Prevent fraud, security threats, or illegal activity

4.4 Business Transfers

If MarketBook is involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website before your information becomes subject to a different privacy policy.

4.5 Aggregated and Anonymized Data

We may share aggregated, anonymized data that does not identify you personally. For example:

• "50% of MarketBook users are in the retail industry"
• "Average inventory value tracked on MarketBook is ₦2.5 million"

This type of statistical data cannot be used to identify you or your business.

4.6 Within Your Organization

If you use MarketBook's multi-user or multi-store features, your business data is shared with other users you've granted access to (employees, managers, etc.). You control who has access to your data within your account.

5.1 What Are Cookies?

Cookies are small text files stored on your device by your web browser. They help websites remember information about your visit, such as your login status and preferences.

5.2 Types of Cookies We Use

5.3 Other Tracking Technologies

• Local Storage: Stores data locally on your device for offline functionality
• Session Storage: Temporarily stores data during your browsing session
• Web Beacons/Pixels: Small images used to track email opens and page loads

5.4 Managing Cookies

You can control cookies through:

• Browser Settings: Most browsers allow you to block or delete cookies
• Cookie Preferences: We provide a cookie consent banner where you can accept or reject optional cookies
• Opt-Out Tools: Google Analytics Opt-out Browser Add-on, NAI Opt-Out page

Note: Blocking essential cookies may prevent you from using MarketBook or certain features may not work correctly.

5.5 Do Not Track

Some browsers have a "Do Not Track" (DNT) feature. MarketBook respects DNT signals for analytics and marketing cookies, but essential cookies will still be used to provide the service.

We take data security seriously and implement industry-standard measures to protect your information.

6.1 Security Measures

6.2 Your Responsibility

While we implement strong security measures, you also play a role in protecting your account:

• Use a strong, unique password
• Enable two-factor authentication (2FA) if available
• Don't share your login credentials
• Log out on shared devices
• Keep your devices and browsers updated
• Be cautious of phishing emails
• Report suspicious activity immediately

6.3 Data Breach Notification

In the unlikely event of a data breach that affects your personal information, we will:

• Notify affected users within 72 hours (or as required by law)
• Explain what information was compromised
• Describe the steps we're taking to address the breach
• Provide guidance on how you can protect yourself
• Notify relevant regulatory authorities as required

7.1 How Long We Keep Your Data

We retain your information for different periods depending on the type of data and legal requirements:

7.2 Legal Requirements

We may retain certain data longer if required by law or if we have a legitimate reason to do so (e.g., resolving disputes, enforcing agreements, preventing fraud).

7.3 Deleting Your Data

You can request deletion of your data at any time. See section 8 (Your Privacy Rights) for details.

You have important rights regarding your personal information. The specific rights available to you may depend on your location.

8.1 Access Your Data

You have the right to know what personal information we hold about you. You can:

• View most of your data directly in your MarketBook dashboard
• Request a copy of all your data by contacting support
• We will provide your data in a portable format (JSON, CSV, etc.)

8.2 Correct Your Data

You have the right to update or correct inaccurate information:

• Edit your account settings and profile information anytime
• Update your business information in the dashboard
• Contact support if you can't update something yourself

8.3 Delete Your Data

You have the right to request deletion of your personal information:

• Close your account through account settings
• Request permanent deletion by contacting support
• We will delete your data within 30-90 days (except where we must retain it for legal reasons)

8.4 Export Your Data

You have the right to receive your data in a portable format:

• Use our data export feature to download your business data
• Export products, customers, transactions, and reports
• Take your data to another service (data portability)

8.5 Restrict Processing

You can limit how we use your data:

• Opt out of marketing emails (unsubscribe link in every email)
• Disable optional cookies through your browser or cookie settings
• Request that we stop processing certain data (though this may limit service functionality)

8.6 Object to Processing

You can object to certain uses of your data, particularly for marketing or profiling purposes.

8.7 Withdraw Consent

If we process your data based on your consent, you can withdraw that consent at any time. This won't affect processing that occurred before you withdrew consent.

8.8 File a Complaint

If you believe we've violated your privacy rights, you can:

• Contact us first at privacy@marketbook.app
• File a complaint with the Nigerian Data Protection Commission (NDPC)
• If you're in the EU, contact your local data protection authority

8.9 How to Exercise Your Rights

MarketBook is not intended for children under the age of 18. We do not knowingly collect personal information from children.

If you are under 18, you may not create an account or use MarketBook without the consent and supervision of a parent or legal guardian.

If we become aware that we have inadvertently collected personal information from a child under 18 without proper parental consent, we will take steps to delete that information as quickly as possible.

If you believe we have collected information from a child, please contact us immediately at privacy@marketbook.app.

10.1 Where Your Data Is Stored

MarketBook operates globally. Your data may be stored and processed in countries other than where you live, including:

• Nigeria (our primary operations)
• United States (cloud hosting providers)
• European Union (data centers)
• Other countries where our service providers operate

10.2 Data Protection Standards

When we transfer data across borders, we ensure appropriate safeguards are in place:

• We use cloud providers that comply with international data protection standards
• Data transfers to the EU are covered by Standard Contractual Clauses (SCCs)
• We require service providers to maintain adequate data protection measures

10.3 Your Consent

By using MarketBook, you consent to the transfer of your information to countries outside your residence, including countries that may have different data protection laws than your country.

11.1 Third-Party Links

MarketBook may contain links to third-party websites, services, or resources. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any information.

11.2 Third-Party Integrations

If you integrate MarketBook with third-party services (e.g., accounting software, payment gateways, messaging services), those services may collect and use your data according to their own privacy policies. Examples include:

• Payment Processors: Paystack, Stripe (handle payment card information)
• Analytics: Google Analytics (tracks website usage)
• Communication: WhatsApp, SMS providers (send notifications)

Review the privacy policies of any third-party services you connect to MarketBook.

11.3 Social Media Features

Our website may include social media features (e.g., Facebook Like button, Twitter Share). These features may collect your IP address and which page you're visiting, and may set a cookie. Social media features are hosted by the respective social media platform and are governed by their privacy policies.

If MarketBook or Averit Technology Limited is involved in a business transaction such as:

• Merger or acquisition by another company
• Sale of assets or business
• Bankruptcy or insolvency proceedings
• Reorganization or restructuring

Your information may be transferred as part of that transaction. In such cases:

• We will notify you via email and/or prominent notice on our website
• The acquiring party will be required to continue to protect your information as described in this Privacy Policy
• If the new owner plans to use your data differently, you will be notified and given the option to delete your account

13.1 Right to Modify

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

13.2 Notification of Changes

When we make changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify you via email for material changes
• Display a prominent notice on our website or in the app
• Provide at least 30 days' notice before material changes take effect

13.3 Your Acceptance

Your continued use of MarketBook after changes to this Privacy Policy constitutes your acceptance of the updated policy. If you do not agree to the changes, you should stop using MarketBook and may delete your account.

13.4 Review Regularly

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: