Privacy Policy

Profit Pivotal (https://profitpivotal.com/ng/) is committed to protecting the privacy of our visitors. This Privacy Policy outlines the types of information we collect, how we use it, and the steps we take to safeguard your data in accordance with best practices and applicable data protection laws, including the Nigeria Data Protection Regulation (NDPR).

By using our website, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

Profit Pivotal may collect various types of information for different purposes to provide and improve our service to you.

A. Personal Data

This refers to information that can be used to identify you. We may collect Personal Data when you voluntarily provide it to us, such as when you:

Subscribe to our Newsletter: We collect your email address and, optionally, your first name.
Submit a Contact Form: We collect your name, email address, and any message you provide.
Request a Quote (via affiliate links): While we do not directly collect sensitive financial or personal data for quotes, clicking an affiliate link may lead you to a third-party insurer’s site where you will provide such data. Please refer to their respective privacy policies.
Participate in Surveys or Polls: We may collect your responses, which could include demographic information.

B. Usage Data

We automatically collect information on how the website is accessed and used. This Usage Data may include information such as your computer’s Internet Protocol (IP) address, browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

C. Tracking & Cookies Data

We use cookies and similar tracking technologies to track activity on our website and hold certain information.

Cookies: These are small data files stored on your device. We use them for essential website functionality, performance analysis, and to remember your preferences (e.g., if you’ve dismissed a pop-up).
Session Cookies: Used to operate our Service.
Preference Cookies: Used to remember your preferences and various settings.
Security Cookies: Used for security purposes.
Third-Party Cookies: Advertisers and analytics services (e.g., Google Analytics, affiliate partners) may also use cookies. These are governed by the privacy policies of the respective third parties.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

2. How We Use Your Information

Profit Pivotal uses the collected data for various purposes:

To provide and maintain our website.
To notify you about changes to our service.
To allow you to participate in interactive features of our website when you choose to do so.
To provide customer support.
To send you our newsletter, updates, and marketing communications (if you have opted in).
To monitor the usage of our website.
To detect, prevent, and address technical issues.
To analyze trends and improve the content and functionality of our website.
For our affiliate marketing activities, to track referrals and commissions (without collecting your personal financial details).

3. Disclosure of Data

Profit Pivotal may disclose your Personal Data in the good faith belief that such action is necessary to:

To comply with a legal obligation.
To protect and defend the rights or property of Profit Pivotal.
To prevent or investigate possible wrongdoing in connection with the website.
To protect the personal safety of users of the website or the public.
To protect against legal liability.

4. Security of Data

The security of your data is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data (e.g., SSL encryption, secure hosting, internal protocols), we cannot guarantee its absolute security.

5. Service Providers

We may employ third-party companies and individuals to facilitate our website service, provide the service on our behalf, perform website-related services, or assist us in analyzing how our website is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics: We use Google Analytics to track and report website traffic. Google’s Privacy Policy is available at: https://policies.google.com/privacy
Email Marketing: We use [e.g., ActiveCampaign, MailerLite, ConvertKit] to manage our newsletter subscriptions and send emails. Their privacy policies are available on their respective websites.
Advertising: We may use Google AdSense or other ad networks. They may use cookies and tracking technologies to serve ads based on your visit to our site and other sites on the Internet. You can opt out of personalized advertising by visiting Google’s Ads Settings or Network Advertising Initiative opt-out page.

6. Links to Other Sites (Affiliate Links)

Our website may contain links to other sites that are not operated by us. If you click on a third-party link (including affiliate links to insurance companies in Nigeria), you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

7. Children’s Privacy

Our website does not address anyone under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

8. Your Rights Under NDPR (Nigeria Data Protection Regulation)

As a Nigerian resident, you have certain rights regarding your personal data under the NDPR. These include:

Right to Information: The right to be informed about how your data is collected and used.
Right to Access: The right to request access to your personal data that we hold.
Right to Rectification: The right to request that inaccurate personal data be corrected.
Right to Erasure (Right to be Forgotten): The right to request the deletion of your personal data under certain conditions.
Right to Object to Processing: The right to object to the processing of your personal data under certain conditions.
Right to Data Portability: The right to request the transfer of your data to another organization.

To exercise any of these rights, please contact us using the details provided on our Contact Us page.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective and update the “Last Updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.