Privacy Policy

VISAROUTES Privacy Policy

INTRODUCTION

VISAROUTES is a DBA of ITTAXWIICH LIMITED registered in Nigeria to provide services in real estate investment,
global workforce and migration consultancy and support.
We are committed to protecting and respecting your privacy and this policy sets
out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.

Please carefully review this Privacy Policy (“Policy”)
to understand our views and practices regarding your personal data and how
we intend to handle it.

Scope of the Policy.

By accessing https://visaroutes.net, and https://ittaxwiich.com (collectively referred to as “our site”), you acknowledge and give consent to the practices outlined in this Policy. Please note that clicking the “Connect with Facebook” button implies your agreement to allow Facebook to share personal data held by them with us. You also consent to the collection, use, storage, processing, and disclosure of your personal information as outlined in this Policy.

The collection and processing of your personal data is in accordance with the Nigerian Data Protection Act 2023 (the “Act”), National Information Technology Development Agency Act 2007 (the “NITDA Act”), Nigeria Data Protection Regulation 2019 (the “Regulations”), and the provisions and prescriptions of Section 5; Part 1 and Part 2 of National Information Systems and Network Security Standards and Guidelines.

Information we may collect from you.

We may collect and process the following data about you:

Information you give us:

You may give us information about you by filling in forms on our site https://visaroutes.net and
by allowing us to access your information on social media sites (including but not limited to Facebook, X, and LinkedIn)
or by corresponding with us by phone, e-mail, or otherwise. This includes information you provide when you register to use
our site, consult us apply for visa assistance and/or Project Support (PS), your activity levels on boards or other social
media functions on the applicable social media sites, the applications you use on social media sites, and when you report
a problem with our site. The information you give us may include your name, address, e-mail address and phone number,
login information for social networking sites, financial and bank account information, personal description, current and former
places of employment, education, details of guarantors, contacts, and friends, photographs, and lists of family members.
Information we collect about you:

With regards to each of your visits to our site, we may automatically collect the following information:
- technical information, including the Internet protocol (IP) address used to connect
  your computer to the Internet, your login information, browser type, and version,
  time zone setting, browser plug-in types and versions, operating system, and platform.
- information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through, and
  from our site (including date and time); products you viewed or searched for; page response times, download errors,
  length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs),
  and methods used to browse away from the page and any phone number used to call our customer service number.
Information we receive from others:

We may receive information about you if you use the other websites we operate,
the other services we provide and/or the social media sites which you login to via our site.
We are also working closely with third parties (including, business partners, and subcontractors in technical,
payment and delivery services, social media sites, advertising networks, analytics providers, search information
providers, credit bureaus, and financial services and credit providers) and may receive information about you from them.

Cookies

Our website uses cookies to distinguish you from other users of our website.
This helps us to provide you with a good experience when you browse our website and allows us to
improve our site. By visiting our website, you consent to the placement of cookies and beacons in
your browser and HTML-based emails in accordance with this Privacy Policy.

Uses made of the information.

We use information held about you in the following ways:

Information you give us:

We will use your information in the following ways and in each case,
we note the lawful basis under the Act and the Regulation which we rely on to use your information:
- To determine whether to provide a service to you, the type of such service,
  and the terms and conditions applicable to such service.
- To investigate or resolve any complaint and issues you may have.
- To exercise our rights under contracts we have engendered with you like
  recovering any payments due to us and where necessary to enforce recovery through
  debt collection agencies or taking other legal action, including instituting an action in the courts of law.
- To fulfil our legal, compliance, regulatory and risk management obligations.
- To establish a credit rating based on your information and provide that rating to
  third parties who may be interested in offering you financial products and services and
  this information is provided only to third parties selected by you or where you have agreed
  that we may share your score and information with.
- To provide you with information about other goods and services we offer that are like those that you have already purchased or enquired about.
- For marketing and business development purposes subject to the marketing preferences
  you have selected on our website, to provide you, or permit selected third parties to provide you,
  with information about goods or services we feel may interest you.
- To notify you about changes to our standard terms of service or to our business.
- To ensure that content from our site is presented in the most effective manner for you and for your device.
Information we collect about you:

We will use this information:
- We may combine this information with information you give to us.
  We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).
- We may carry out further processing of your data for archiving purposes in the public interest,
  scientific or historical research purposes or statistical purposes.
Information collected when you use our services:

When you use our services, we collect location data which allows us to determine
your precise or approximate location. This information is collected during the Project Support application process,
and we use this data to enhance our credit risk and underwriting framework, as well as to prevent fraud.

Disclosure of your information

We may share your personal information with any member of our group,
which means our subsidiaries, our ultimate holding company, and its subsidiaries. We may share your information with selected third parties including:

Business partners, suppliers, and subcontractors for the performance
of any contract we enter with them or you (such as credit bureaus and debt collection agencies).
We usually require that these third parties agree to process such information based on our instructions,
in compliance with the Act and Regulations as well as other appropriate confidentiality and security measures.
Advertisers and advertising networks that require the data to select and serve relevant adverts to
you and others. We do not disclose information about identifiable individuals to our advertisers,
but we may provide them with aggregate information about our users (for example, we may inform them that 500
men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to
help advertisers reach the kind of audience they want to target (for example, youths in Nigeria). We may make use of
the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their
advertisement to that target audience.
Analytics and search engine providers that assist us in the improvement and optimization of our site.
We may disclose your personal information to third parties: a) In the event that we sell or buy any business or assets,
in which case we may disclose your personal data to the prospective seller or buyer of such business or assets. b)
If VisaRoutes or substantially all of its assets are acquired by a third party, in which case personal data held by
it about its customers will be one of the transferred assets.
if we are under a duty to disclose or share your personal data in order to comply
with any legal or regulatory obligation/request, or in order to enforce or apply our terms
of use and other agreements, or to protect the rights, property, or safety of Carbon,
our customers, or others. This includes exchanging information with other companies and organizations
for the purposes of fraud protection and credit risk reduction.

International data transfers

Information that we collect may be stored, processed in, and transferred between any of the
countries in which we operate, in order to enable us to use the information in accordance with this Policy.
Where personal data is to be transferred to a country outside Nigeria, we shall put adequate measures in place to
ensure the security of such personal data. Any transfer of personal data out of Nigeria will be in compliance with
the relevant data protection laws and regulations.

Customer consent

By ticking the “I agree to the Terms and Conditions”, which you hereby adopt as your electronic signature,
you consent and agree that:

We can provide materials and other information about your legal rights and duties to you electronically.
We are authorized to share, receive, and use data/information collected from your transaction with other affiliated third parties
including but not limited to switching companies, mobile network operators, electricity companies, aggregators, credit bureaus,
other financial institutions, e-commerce platforms, etc.

Where we store your personal data

The data that we collect from you is stored on our secure servers using JSON Web Token (JWT). Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

Data retention

Unless a longer retention period is required or permitted by law, we will only hold your data on our systems for the period necessary to fulfill the purposes outlined in this Privacy Policy. We will retain your data for a minimum of 5 years (or such longer period as may be necessary) even after we have received a request for deletion from you in order to comply with our regulatory obligations. We will also retain your data if there is an outstanding obligation or duty from you.

In the event that we delete your data, it may persist on backup or archival media for legal, tax or regulatory purposes.

Your rights

You have the right to ask us not to process your personal data for marketing purposes and to withdraw your consent at any time. Please note that the withdrawal of your consent will not affect the lawful processing of data which we have obtained based on your previous consent. We will usually inform you (before collecting your data) if we intend to use your data for the aforementioned purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us using the in-app support feature on the mobile application or using the complaint tab on the web portal at visaroutes.net. Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers, and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites. You also have the right to ask for access to the personal data that we hold, to rectify inaccurate data, or erase the personal data we hold of you.

Remedies

Each of the parties will be entitled to enforce its rights in the event of a breach of the terms of this privacy policy, to recover damages caused by any breach of the provisions herein and to exercise all other rights existing under law. Any claim or dispute arising in relation to this privacy policy shall be subject to the jurisdiction of the courts of the Federal Republic of Nigeria. We shall not be liable for any breach where a claim in respect of such breach is not brought within one month of the date that such breach arose.

Limitation of liability

Notwithstanding any other provision in this Privacy Policy, neither visaroutes.net, its affiliates, officers,
directors, employees, attorneys or agents shall have any liability with respect to, and you hereby waive, release and agree
not to sue any of them upon, any claim for any special, indirect, incidental, consequential damages suffered or incurred
by you in connection with, arising out of, or in any way related to, a breach of this privacy policy.

We shall not be held responsible for any personal data breaches that may occur under
the following circumstances: events beyond our control; acts or threats of terrorism; an act of God which compromises
our data protection measures; the transfer of your personal data to a third party based on your instructions;
and the use of your personal data by a third party designated by you. We explicitly disclaim liability for
any personal data breaches arising from the aforementioned circumstances.

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee in providing you with details of the information we hold about you. You can request access to the information we hold about you by contacting admin@visaroutes.net

Changes to this Policy

We may update this policy from time to time by publishing a new version on our website. If they’re significant changes, we’ll let you know by email or in the app to allow you to exercise your rights.

Contact

Questions, comments, and requests regarding this privacy policy are welcomed and should be addressed to VISAROUTES using admin@visaroutes.net