Privacy Policy
Libacon Consulting Ltd ("Libacon", "we", "us", "our") runs the Money Lending Masterclass and the website libaconconsulting.com.ng. This policy explains what personal information we collect when you visit the website or register for the training, how we use it, who we share it with, and the choices and rights you have. By using the website or registering, you confirm that you have read this policy.
1. Information we collect
| Information | When we collect it |
|---|---|
| Full name, email address and phone number | When you complete the registration form. |
| Payment status, amount paid, payment reference and the date of payment | When you pay the training fee through Paystack. We do not see or store your card number, card PIN or bank login details. |
| Messages you send us, including your phone number and message content | When you contact us, for example through WhatsApp. |
| Technical and usage information, such as pages viewed, device and browser type, approximate location and how you reached the website | Automatically, through cookies and similar technologies (see section 6). |
| Your name, image, voice and any questions or comments you share | If you take part in the live online training or a recorded session. |
The training is intended for adults aged 18 and over. We do not knowingly collect information from children.
2. How we use your information
- To register you for the Money Lending Masterclass and confirm your place.
- To verify your payment with Paystack and record that you have paid.
- To send you a confirmation email and training information, including the date, time and joining details.
- To tell you about changes to the training, such as rescheduling.
- To deliver the training and give participants the materials and community access described on our website.
- To answer your questions and give support.
- To keep records, prevent fraud and duplicate registrations, and meet our legal, tax and accounting obligations.
- To understand how the website performs and to measure and improve our advertising.
We do not sell your personal information.
3. Our lawful bases
Under the Nigeria Data Protection Act 2023, we process your information on one or more of these grounds: it is needed to provide the training you registered for (contract); you have given your consent, for example to non-essential cookies and tracking; we have a legal obligation to keep certain records; or we have a legitimate interest in running and securing our business, provided this does not override your rights.
4. Who we share your information with
We share information only with service providers that help us run the training, and only as needed for the purposes above:
- Paystack, which processes your payment and tells us whether it succeeded.
- Resend, which sends our confirmation emails on our behalf.
- Zoom (or a similar platform we use), which hosts the live online training.
- Meta Platforms, which receives website activity through the Meta Pixel (see section 6).
- Google/YouTube, which provides the introduction video shown on the website (see section 6).
- Our web hosting provider, which stores the website and the registration records.
We may also disclose information if the law requires it, or to protect our rights, our participants or the public. If our business is reorganised or sold, your information may be transferred to the new owner, who must continue to protect it under this policy.
5. Transfers outside Nigeria
Some of the providers above are based or store data outside Nigeria. Where we transfer personal information abroad, we do so only to providers that apply appropriate safeguards, as the Nigeria Data Protection Act 2023 requires.
6. Cookies, Meta Pixel and embedded video
- Meta Pixel. Our website uses the Meta Pixel to record events such as page views, viewing the training page, starting registration and completed payments. These events can include the amount and currency of a purchase. We use them to measure and improve our advertising. Meta may use its own cookies and combine this information with its own data under its own privacy policy. You can manage advertising preferences in your Facebook or Instagram ad settings, and you can block tracking cookies in your browser.
- YouTube video. The introduction video on the website is provided by YouTube. When the video loads, Google may set cookies and collect information about your visit under Google's privacy policy.
- Browser storage. The website may store small items in your browser to work properly, for example to avoid recording the same purchase twice.
Most browsers let you refuse or delete cookies. Doing so may stop parts of the website from working properly.
7. How long we keep your information
We keep registration and payment records for as long as needed to run the training, handle any questions or disputes, and meet our legal, tax and accounting obligations. When we no longer need the information, we delete it or make it anonymous.
8. How we protect your information
We take reasonable steps to protect your information, including keeping our payment and email credentials on the server and not in the public website code, verifying payments directly with Paystack, limiting access to registration records to authorised people, and protecting the administration area with a password. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
9. Your rights
Under the Nigeria Data Protection Act 2023, you have the right to:
- ask whether we hold your personal information and ask for a copy of it;
- ask us to correct information that is wrong or incomplete;
- ask us to delete your information, where we no longer have a lawful reason to keep it;
- object to, or ask us to restrict, certain uses of your information, including direct marketing;
- withdraw your consent at any time, without affecting what we did before you withdrew it;
- ask for your information in a portable format, where this applies; and
- complain to the Nigeria Data Protection Commission if you believe we have mishandled your information.
To use any of these rights, contact us using the details in section 11. We may need to confirm your identity first. Some records, such as proof of payment, may have to be kept to meet legal obligations.
10. Links to other websites
Our website may link to other websites, such as Paystack, Zoom, YouTube and WhatsApp. We are not responsible for their content or privacy practices, so please read their policies.
11. Contact us
For questions about this policy or to use your rights, contact Libacon Consulting Ltd through the WhatsApp contact button on our website, or reply to the confirmation email you received after registering.
12. Changes to this policy
We may update this policy from time to time. The "Last updated" date at the top shows when it last changed. If we make a significant change, we will take reasonable steps to let you know.
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