Privacy Policy

1. Introduction

ATM Homes ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

We may collect information about you in a variety of ways including:

• Personal Data: Personally identifiable information, such as your name, email address, telephone number, home address, date of birth, occupation, educational background, and government-issued ID information that you voluntarily provide when you register, enroll in ATM Homes Academy, or use our services.
• KYC Information: For ATM Homes Academy enrollment, we collect Know Your Customer (KYC) data including identity verification documents, proof of address, educational qualifications, work experience, and investment experience level.
• Property Preferences: Information about your property interests, budget range, preferred locations, and search history to provide personalized property recommendations.
• Derivative Data: Information our servers automatically collect when you access our website, such as your IP address, browser type, operating system, access times, and the pages you have viewed directly before and after accessing our website.
• Financial Data: Financial information, such as data related to your payment method (e.g., valid credit card number, card brand, expiration date) that we may collect when you purchase our services or properties.
• Communication Data: Records of your communications with us, including emails, phone calls, chat messages, and feedback forms.
• Cookies and Tracking: Data collected through cookies, web beacons, and similar technologies as detailed in our Cookie Policy.

3. Use of Your Information

We may use the information we collect about you to:

• Create and manage your account and user profile.
• Process property inquiries and manage viewing appointments.
• Verify your identity for KYC compliance and Academy enrollment.
• Provide personalized property recommendations based on your preferences.
• Process payments for properties, Academy courses, and other services.
• Send you marketing communications about our properties and services (with your consent).
• Provide customer support and respond to your inquiries.
• Deliver Academy course materials and track your progress.
• Generate analytics to improve our website and services.
• Comply with legal obligations and regulatory requirements.
• Prevent fraud and ensure platform security.
• Administer promotions, surveys, and contests.
• Send important notices about your account, transactions, or policy changes.

4. Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

• By Law or to Protect Rights: If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by law.
• Third-Party Service Providers: We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
• Business Transfers: If we or our subsidiaries are involved in a merger, acquisition, or asset sale, your personal information may be transferred.

5. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication requirements
• Staff training on data protection practices

While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specific retention periods include:

• Account information: Retained while your account is active and for 7 years after closure for tax and legal compliance
• KYC documentation: Retained for 5 years after Academy program completion as required by financial regulations
• Transaction records: Retained for 7 years for accounting and tax purposes
• Marketing communications: Until you opt out or 3 years from last interaction
• Website analytics: Aggregated data retained indefinitely, personal identifiers removed after 26 months

7. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request copies of your personal information
• Rectification: Request correction of inaccurate or incomplete information
• Erasure: Request deletion of your personal information under certain circumstances
• Restriction: Request limitation of processing under certain circumstances
• Data Portability: Request transfer of your information to another service provider
• Objection: Object to processing based on legitimate interests or for marketing purposes

To exercise these rights, please contact us using the information provided in the Contact Us section.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. For detailed information about our use of cookies, including how to manage your preferences, please refer to our Cookie Policy.

9. International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria. We ensure that adequate safeguards are in place to protect your personal information in accordance with this Privacy Policy and applicable data protection laws.

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

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided personal information to us, please contact us to have the information removed.

12. Contact Us

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