Privacy Policy
MCO Penny Limited (“we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you use our mobile application or any associated digital services.
Please read this Privacy Policy carefully. We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Application after the date such revised Privacy Policy is posted. This Privacy Policy does not apply to the third-party online/mobile store from which you install the Application or make payments, which may also collect and use data about you. We are not responsible for any of the data collected by any such third party. We may collect information about you in a variety of ways. The information we may collect via the Application depends on the content and materials you use, and includes: Personal Data such as demographic and other personally identifiable information (e.g., your name and email address) that you voluntarily provide when choosing to participate in various activities related to the Application.
Term Of Use
These Terms of Use (“Agreement”) govern the access and use of the MCO Penny mobile application, it’s website “mcopenny.ng”, and any other inbound or outbound linked or affiliated pages offered by MCO Penny Limited, its affiliates, successors, and permitted assigns (collectively the “Company”) and the Services provided through the Application to its users/registrants. Please read the Terms of Use carefully before using or registering on the Application or accessing any material, information, or Services through the Company. By using the Services offered by the Company or using our Application, you provide your absolute, irrevocable, and unconditional consent to abide by these Terms of Use and agree to be legally bound by them. These terms and conditions will apply to you upon use of the Services. You acknowledge and consent to the collection and use of information, if any, as described in these Terms of Use. You may not use the Services if you do not accept the Terms of Use. You may not use the Services if you are not of legal age to form a binding contract with the Company. You further represent that you are not barred from receiving Services under any applicable laws. The Company reserves the right to refuse access to the Application or Services to new users or to terminate access granted to existing users at any time. If you are entering into this agreement on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these terms and conditions, in which case the terms “you” or “your” will refer to such entity. If you do not have such authority, or if you do not agree with these terms and conditions, you must not accept this agreement and may not use the Services. You may not access the Services if you are a direct competitor of the Company or its affiliates, except with prior written consent. Additionally, you may not access the Services for the purpose of monitoring their availability, performance, or functionality, or for any other benchmarking or competitive purpose.
Geo-Location Information
We may request access or permission to track location-based information from your mobile device, either continuously or while you are using the Application, to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.
Push Notifications
We may request to send you push notifications regarding your account or the Application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.
By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal processes, investigate or remedy potential violations of our policies, or protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.
Third-Party Service Providers
We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
Third-Party Websites
The Application may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave the Application, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website and take necessary steps to protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services, or applications that may be linked to or from the Application.
Security of Your Information
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against interception or other types of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.
Last updated: 13th June 2025