Privacy Statement
This Privacy Statement explains how Scamenot, a product of Peygo Integrated Services Limited, may collect, use, store, disclose and protect information connected with use of the platform.
1. Who Controls Your Information
Scamenot is a product of Peygo Integrated Services Limited. For purposes of applicable data-protection law, Peygo Integrated Services Limited determines how personal information collected through Scamenot is processed in connection with the service.
2. Information We May Process
Depending on how Scamenot is used, we may process information relating to registered users, reporters, persons being searched, report subjects, transaction participants and payment participants.
- Names, phone numbers and email addresses.
- Bank account numbers and bank names.
- User-account and profile information.
- Search records and timestamps.
- Scam or fraud reports and transaction descriptions.
- Claimed losses and incident details.
- Uploaded screenshots, receipts, documents, images or other evidence.
- Payment references, virtual-account information, amounts and payment status.
- Device, security, technical and usage information.
- Communications sent to Scamenot.
Where a report legitimately connects multiple identifiers, we may process those relationships to support fraud prevention and due diligence.
3. Search Information
When an identifier is checked through Scamenot, we may record the search and its timestamp.
Search information may be used to create aggregated intelligence such as total checks, checks over a recent period, first checked date, last checked date and general activity trends.
4. Why We Process Information
We may process information to:
- Operate and secure Scamenot.
- Provide identity searches and Full Reports.
- Receive, curate and moderate scam or fraud reports.
- Store and review evidence.
- Connect related identifiers and incidents.
- Detect duplicate, abusive or malicious activity.
- Handle disputes, corrections and resolution requests.
- Process and reconcile payments.
- Provide customer support.
- Generate platform analytics and improve the product.
- Enforce Scamenot's legal terms and protect users.
- Comply with lawful obligations and requests.
5. Lawful Bases
Depending on the circumstances, personal information may be processed on the basis of consent, performance of a contract, legitimate interests, compliance with a legal obligation or another lawful basis recognised under applicable Nigerian data-protection law.
6. Fraud-Prevention Interests
An important purpose of Scamenot is reducing fraud and helping users exercise caution before sending money.
This may require retaining certain information about identifiers that have been reported or searched even where the relevant person is not a registered Scamenot user.
Peygo Integrated Services Limited will seek to balance legitimate fraud-prevention objectives against applicable privacy rights and the rights of affected individuals.
7. Sensitive and Unnecessary Information
Users should avoid uploading unnecessary sensitive personal information. Evidence should contain only information reasonably relevant to the incident being reported.
Scamenot may redact, restrict, quarantine or remove information where appropriate for privacy, safety, moderation or legal compliance.
8. Payments
When a user purchases a Full Report, payment information may be processed by financial institutions, banking infrastructure providers or other service providers necessary to receive and reconcile payment.
Scamenot may retain payment references, amounts, status, dates, virtual-account information and related reconciliation records.
9. Service Providers
Scamenot may use trusted providers for hosting, databases, authentication, file storage, communications, payment processing, banking integration, analytics, security and infrastructure.
Such providers may process information only as necessary to provide their services and subject to applicable contractual and legal safeguards.
10. Legal Disclosure
Information may be disclosed where reasonably necessary to comply with applicable law, court orders, lawful regulatory requests, law-enforcement requirements, investigations, fraud prevention, protection of legal rights or protection against serious harm.
11. Sale of Personal Data
Peygo Integrated Services Limited does not sell users' private conversations or uploaded report evidence to advertisers.
12. International Processing
Some technology providers used by Scamenot may process information outside Nigeria. Where personal data is transferred internationally, Peygo Integrated Services Limited will seek to use safeguards required by applicable law.
13. Retention
Information is retained only for as long as reasonably necessary for the purpose for which it was collected, fraud prevention, dispute management, legal obligations, security, payment reconciliation and enforcement of rights.
Different categories of information may have different retention periods.
Fraud reports may be reviewed, corrected, restricted or removed where they become inaccurate, irrelevant, legally inappropriate or no longer reasonably necessary.
14. Security
Peygo Integrated Services Limited seeks to use reasonable technical and organisational safeguards appropriate to the nature of information processed by Scamenot.
No online service, database, payment system or storage system can guarantee absolute security. Users should protect their devices, passwords and account access.
15. Your Privacy Rights
Subject to applicable law, individuals may have rights concerning:
- Access to personal data.
- Correction of inaccurate information.
- Erasure in appropriate circumstances.
- Restriction of processing.
- Objection to certain processing.
- Data portability where applicable.
- Withdrawal of consent where consent is the legal basis.
Scamenot may require reasonable identity verification before fulfilling a request where necessary to protect other people and prevent misuse.
16. Reports Concerning You
If you believe information concerning you is inaccurate, malicious, misleading, outdated or otherwise improper, you may request review, correction, restriction or another appropriate remedy.
Scamenot may preserve an internal audit trail of previous information where reasonably necessary for security, fraud prevention, dispute handling or legal reasons, even where public display is corrected or restricted.
17. Children
Scamenot is not intended for children under 18 to independently purchase Full Reports or submit fraud allegations. If children's information is improperly provided, Scamenot may take appropriate steps to restrict or remove it.
18. Cookies and Device Storage
Scamenot may use cookies, local storage and similar technologies for authentication, session continuity, preferences, security, fraud prevention and platform functionality.
Where consent is required by law, an appropriate consent mechanism should be implemented.
19. Data Breaches
If a personal-data breach occurs that requires notification under applicable law, Peygo Integrated Services Limited will take reasonable steps to investigate, mitigate and make required notifications.
20. Complaints and Requests
Users may contact Peygo Integrated Services Limited regarding privacy concerns, data-subject requests or disputes concerning personal information.
Individuals may also have the right to complain to the Nigeria Data Protection Commission where applicable.
21. Changes to This Privacy Statement
This Privacy Statement may be updated as Scamenot's services, legal obligations and technology change. Material updates may be communicated through the platform where reasonably appropriate.