Privacy Policy

1. Introduction

Skul Flash ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you use our website and services. By using our Services, you consent to the practices described in this policy.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, and billing details provided during registration or transactions
• Transaction Data: Purchase history, payment method details, and transaction timestamps
• Device Information: IP address, browser type, operating system, and device identifiers
• Usage Data: Pages visited, time spent on the platform, search queries, and click patterns
• Cookies & Tracking: Information collected through cookies and similar technologies (see our Cookie Policy)

3. How We Use Your Information

We use the information we collect to:

• Process and fulfill your transactions
• Provide customer support and respond to inquiries
• Send transactional notifications and service updates
• Improve our platform, services, and user experience
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and enforce our terms

4. Information Sharing

We do not sell your personal information. We may share your information with:

• Service Providers: Third-party vendors who assist in payment processing, hosting, and customer support
• Utility Providers: Licensed telecoms, electricity distribution companies, and other service providers necessary to complete your transactions
• Legal Authorities: When required by law, court order, or to protect our rights and safety

5. Data Security

We implement industry-standard security measures to protect your personal information, including SSL encryption, secure payment gateways, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Transaction records are retained for a minimum of 6 years in accordance with Nigerian financial regulations.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Object to or restrict certain processing activities
• Withdraw consent where processing is based on consent
• Lodge a complaint with a data protection authority

To exercise these rights, please contact us at support@skulflash.com.

8. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at support@skulflash.com.