Privacy Policy

NatalBond.com

This privacy policy ("Privacy Policy") explains how personal information is collected, used, stored, and disclosed by NatalBond.com ("NatalBond.com," "we," "us," and "our"). This Privacy Policy applies to consumer/users (individually referred to as "you") of our websites, applications (iOS, APK, Web App), and other online services to which this Privacy Policy is posted (collectively, our "Services").

This Privacy Policy is part of our Terms of Use. You agree to this Privacy Policy by accessing or using our Services. The provisions in this Privacy Policy supersede all previous notices and statements regarding our privacy practices concerning our Services. If you do not agree to every provision of this Privacy Policy, you may not access or use our Services.

Application of this Privacy Policy This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access our Services through a mobile phone, tablet, or other consumer electronic device (each a “Device”).

Information We Collect Information You Provide Us
You can visit NatalBond.com without telling us who you are or revealing any information about yourself. When you submit an inquiry via our Services or download our application and sign up, we may collect personal information, including your name, email address, mobile phone number, banking information, and other information that identifies you (collectively, “Personal Information”). By providing your Personal Information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.

Information Automatically Collected We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal and statistical information that does not identify you (“Analytics”). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy

Information that we automatically collect in connection with your access or use of our Services may include:

Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your NatalBond account.

Log Information:

We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:

  • The Device's Internet Protocol (“IP”) address.
  • Identification numbers associated with your Devices.
  • Device event information, such as crashes, system activity, and hardware settings.
  • Location preferences.
  • Date and time stamps of transactions.
  • System configuration information.
  • Other interactions with our Services.

Information Collected Through Cookies and Similar Technologies We use cookies to personalise our Services for you and to collect aggregate information about the usage of our Services. A cookie is a text file or other local storage identifier provided by your browser or associated applications. We use cookies for record-keeping purposes and to enhance the quality of your use of our Services. The cookies assign random, unique numbers to your Devices to enable our systems to recognise your Devices and to allow us to see how you use our Services. Additional general information about cookies and how they work is available at www.allaboutcookies.org

Third-party cookies: We permit certain third parties to place cookies through our Services to provide us with better insights into the use of our Services and user demographics and to advertise our Services to you. These third parties may collect information about your online activities over time and across different websites when you access or use our Services. For example, we utilise Google Analytics to analyse usage patterns for our Services. Google Analytics generates a cookie to capture information about your use of our Services, which Google uses to compile website activity reports for us and provide other related services. Google may use a portion of your IP address to identify its cookie, but this will not be associated with any other data held by Google. We may also permit third-party service providers to place cookies for our Services, as indicated above, to perform analytic or marketing functions where you are notified of them and you have consented to the usage. We do not control the use of such third-party cookies or the resulting information, and we are not responsible for any actions or policies of such third parties. By accessing or using our Services, you consent to the placement of cookies on your Devices as described in this Privacy Policy. If you prefer not to receive cookies through our Services, you may control how your browser responds to cookies by adjusting your web browser's privacy and security settings. Unless you set your browser settings to refuse all cookies, our system may issue cookies when you access or use our Services. If you set your browser settings to refuse all cookies, the performance of certain features of our Services may be limited or not work at all.

Do-Not-Track Signals Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognises DNT signals from your web browser.

Your Rights as a Data Subject:

As a user of the NatalBond application, you have the following rights regarding your Personal Information, including sensitive health-related data, subject to the Nigeria Data Protection Act (NDPA) and other applicable laws:

  1. Right to Access: You may request confirmation as to whether we process your Personal Information (including health and biometric data) and obtain a copy of such data in a readable format.
  2. Right to Rectification: You may request that we correct or update inaccurate or incomplete Personal Information, particularly where it relates to your health records, medical history, or contact details.
  3. Right to Erasure ("Right to be Forgotten"): You may request the deletion of your Personal Information where it is no longer required for medical, contractual, or regulatory purposes, or where consent has been withdrawn.
  4. Right to Restrict Processing: You may request that we limit the processing of your Personal Information, for example, if you contest its accuracy or object to its use for non-medical purposes.
  5. Right to Data Portability: You may request that we provide your Personal Information, including relevant health data, in a structured, commonly used, and machine-readable format so it can be transferred to another healthcare provider or service, where technically feasible.
  6. Right to Object: You may object to the processing of your Personal Information where it is based on our legitimate interests. You also have the right to object to processing for non-essential analytics or profiling.
  7. Right to Withdraw Consent: Where we rely on your explicit consent (e.g., for processing health, biometric, or other personally identifiable data), you may withdraw that consent at any time. Withdrawal does not affect the lawfulness of prior processing but may affect your continued use of certain features of our Services.
  8. Right to Information and Transparency: You are entitled to clear and accessible information about how your sensitive health data is collected, used, stored, and disclosed. We will provide updates on any changes to these practices in line with applicable law.
  9. Right Against Automated Medical Decision-Making: You have the right not to be subject to decisions based solely on automated processing (such as AI-driven medical recommendations or risk scoring) that have a significant impact on your health, unless such processing is necessary for medical purposes, authorised by law, or based on your explicit consent.

How We Use Information We may use Analytics as described in this Privacy Policy for research and commercial purposes to improve our services. We may use Personal Information for the purposes described elsewhere in this Privacy Policy and internally for our general commercial purposes, including, among other things, to offer our products and services and those of third parties that you might find of interest. Still, only www. NatalBond.com and our third-party service providers involved in distributing the offers or providing the products or services will have access to your Personal Information. Our third-party service providers will only be permitted to use Personal Information for that intended purpose. We may use your email address to respond to your inquiries and provide information about our Services. You may elect not to receive promotional emails from us either by “unsubscribing” to an email you receive or by contacting us as indicated below. Suppose you unsubscribe from receiving emails from us. In that case, we may still send you non-promotional emails, such as emails about your NatalBond account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.

How We Share Information

We do not share your Personal Information with:

  1. Companies for joint marketing purposes;
  2. Affiliated companies for their everyday business purposes; or
  3. any third parties so they can market to you.

We may share your Personal Information with unaffiliated third parties:

  1. if you request or authorize it;
  2. If the information is provided to help complete a transaction for you;
  3. if the information is provided to: (a) comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.);
  4. if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., if substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets);
  5. if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analysing data, providing marketing assistance, providing customer service, processing orders, etc.);
  6. for our everyday business purposes; or
  7. As permitted by applicable law or otherwise described in this Privacy Policy. When you are no longer our customer, we continue to share your information as described in this Privacy Policy.
We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes.

Opt-Out Rights Suppose you do not wish to receive offers or other notices from us in the future. In that case, you can “opt-out” by contacting us as indicated at the end of this Privacy Policy or by following the “unsubscribe” instructions in any communication you receive. Please be aware that you cannot opt out of receiving communications about your NatalBond account or related transactions with us unless you delete your account.

Data Retention After Account Deletion When you delete your NatalBond account, we will take the following actions regarding your Personal Information, including health-related data:

  1. Immediate Deactivation and Restricted Access:

    Your account is deactivated promptly, and access to your data is restricted to authorised personnel only for compliance, security, or legal purposes.

  2. Deletion Timeline:

    Personal Information directly associated with your account (such as profile details, login credentials, communication preferences) will be permanently deleted from our active systems within [30-90 days] of account closure, unless retention is required by law.

  3. Health and Medical Records:

    Certain health-related data may be retained for a legally mandated period (e.g., medical, regulatory, or insurance requirements). Such records will be securely archived and protected, and will no longer be accessible through your account.

  4. Transactional and Financial Data:

    Records of transactions or payments made through the app may be retained for auditing, tax, and anti-fraud purposes in compliance with applicable financial regulations.

  5. Backup Systems:

    Due to technical constraints, residual copies of your Personal Information may remain in encrypted backup storage for a limited period before being overwritten during routine data lifecycle management.

  6. Anonymisation for Research and Analytics:

    In some instances, we may anonymise or aggregate your health data so it can no longer be linked back to you. Such anonymised data may be retained indefinitely for research, service improvement, or statistical purposes.

  7. Data Subject Rights Post-Deletion:

    Even after account deletion, you may exercise your right to obtain confirmation of what data we still retain (e.g., for legal obligations) and request evidence of secure deletion or anonymisation.

Accessing Your Information You must notify us of any change in your Personal Information by updating your NatalBond account profile through our application. Any changes will affect only future uses of your Personal Information.
Subject to applicable law (Nigeria Data Protection Act - NDPA or any other applicable laws), which might occasionally oblige us to store your Personal Information for a specific period of time, we will respect your wishes to correct inaccurate information. Otherwise, we will hold your Personal Information for as long as we believe it will help us achieve our objectives as detailed in this Privacy Policy.

Security We require the third-party service providers that receive Personal Information from us to have. This comprehensive written information security program contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information within such systems from loss, misuse, or alteration. When your bank account information is transmitted via our Services, it will be protected by encryption technology, such as Secure Sockets Layer (SSL).
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee the absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your NatalBond account and do not share them with others. If we receive instructions using your NatalBond account login information, we will consider that you have authorised the instructions. You agree to notify us immediately of any unauthorised use of your NatalBond account or any other security breach. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate NatalBond accounts, and remove or edit content.

Protecting Children's Privacy Our Services are not directly/directed or intended to be attractive to children under 18. We do not knowingly collect Personal Information from children under 18. If you are under 18, do not use our Services or submit any information.

Changes to our Privacy Policy Subject to applicable law, we may revise this Privacy Policy at any time and in our sole discretion. When we revise this Privacy Policy, we will post the revised version via our Services and will update the date at the bottom of this Privacy Policy. The revised Privacy Policy will be effective upon posting via our Services unless otherwise set forth therein or as otherwise required by applicable law. You are free to decide whether or not to accept a revised version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to continue accessing or using our Services. If you do not agree to the terms of this Privacy Policy or any revised version of this Privacy Policy, your sole recourse is to terminate your access and use of our Services. Except as otherwise expressly stated by us, your access and use of our Services is subject to the version of this Privacy Policy in effect at the time of access or use.

How can I contact NatalBond.com? If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at hello@natalbond.com

Last update: 19th September, 2025