Privacy policy and use of personal data

A'kiba Technologies, the creative entity behind the Verso application, attaches paramount importance to safeguarding your privacy. As a Limited Liability Company, A'kiba Technologies ("We") positions itself as the entity responsible for the processing of your personal data.

The Personal Data Use Policy that we present to you (hereinafter referred to as the “Policy” or the “Confidentiality Policy”) is established as an informative document defining the nature of the data that we collect, the use what we do with them, as well as the methods by which they are processed, stored and possibly shared.

This document is uniformly applicable to all Verso products and services, including the Verso website and the services accessible via it, as well as the Verso iOS and Android mobile applications as long as you install on your mobile device. Please note that additional information may be provided to you if necessary when subscribing to a specific product or service.

In this Policy, the terms “Data Subject”, “You”, “your” or “your” refer to you, our customer.

By approving this Policy, you express your explicit consent to the collection and processing of your personal data both in Gabon and abroad (France, USA), as well as to their sharing and storage in foreign countries. concerned, these having comparable legislation and guarantees in terms of protection of personal data.

1 - What types of information do we collect?

We collect and use your personal data, understood as any information, whatever its nature and medium (including sound and image), relating to an identified or identifiable natural person, directly or indirectly, by reference to an identifier or to one or more elements specific to their physical, physiological, genetic, psychological, cultural, social or economic identity.

Consequently, any information allowing you to be identified, directly or indirectly, may be collected, with the aim of offering you quality personalized products and services, as we carry out our activities.

Depending in particular on the type of product or service that we offer you, different categories of personal data concerning you may be collected:

Ordinary Data

• Identification data  : such as name, first name, place and date of birth, photo, identity card, passport or residence permit numbers, sex, age, etc.
• Contact data  : personal or professional (e.g. email address, mobile phone number).
• Data related to your digital activities  : e.g. IP address, browsing activity, geolocation.
• Login data  : used to access your Verso account.

• Data relating to your interactions  : with us, our customer and sales service, our website, our mobile application, our pages on social networks.

Bank data

• Economic and tax data  : country of residence, etc.
• Transactional and banking data  : bank top-ups, payment card number, transfers, beneficiary data, payment incidents, etc.
• Professional data  : profession, income-generating activities.
• Geolocation data  : locations of payments and withdrawals for security and anti-fraud reasons.

Data necessary for banking inclusion and the fight against overindebtedness

We refrain from processing data relating to your racial or ethnic origins, your political opinions, your religion, your philosophical beliefs, or your trade union membership, as well as the processing of genetic data.

Information collected indirectly

Although you are not a customer of Verso, A'kiba Technologies and Verso may collect information about you, namely:

• Identification and contact data of the client's prospects and contacts, legal representatives, members of the same family, heirs, debtors, shareholders, natural persons, and authorized persons of a legal entity Client of Verso.

Information from third-party partners

A'kiba Technologies may also collect personal data from partners and third-party organizations with the aim of verifying or enriching its databases:

• Publications and databases made accessible by official authorities, our partners, service providers, commercial intelligence bodies, public bodies fighting fraud and the financing of terrorism, in accordance with the regulations in force on data protection, as well as websites or social media pages where you have made information public, and media and databases made available by third parties.

2 - Why and how do we use this information?

We establish below the various legal bases on which Verso relies to process your personal data and the associated purposes.

A. Our Processing Purposes

Verso mainly processes your data for the purposes set out below:

• Provision and management of customer services
• Customer relationship management
• Adherence to the legal and regulatory obligations detailed below
• Information system management
• Corporate asset management
• Data transfer management
• Administrative personnel management
• Financial and accounting management

A.1. Comply with Our Legal and Regulatory Obligations

Your personal data is used to satisfy various legal and regulatory obligations, including:

• The fight against money laundering and the financing of terrorism
• Adherence to applicable laws regarding international sanctions and embargoes
• The fight against fraud and compliance with tax audit and declaration obligations
  • Compliance with banking and financial regulations in the CEMAC area, for:
  • Customer identification and knowledge (KYC)
  • Monitoring and reporting potential risks for Verso
  • Monitoring customer financial operations and transactions
  • Responses to official requests from duly authorized public or judicial entities.

A.2. Execute the Contract concluded with You

Your personal data is used to execute the contract and to improve the management of our relationships, in particular for:

• Subscription (including via electronic signature) to products and services distributed by Verso
• Communication with you, for example to inform you of the T&Cs and regulations, respond to your requests, send you commercial communications and inform you about our services
• Management and execution of Verso products and services to facilitate your payment transactions
• Ensure the security of the payment services used.

For further information about this process, please contact us at  contact@akibatechnologies.com .

A.3. Respecting Your Choice When We Ask for Your Explicit Consent for Specific Processing

In certain cases, your consent is required for the processing of your data, in particular for:

• Collect your opinion on our brand or your expectations regarding our offers and services
• Inform you of opportunities or put you in contact with partners and offer you services not yet available.
  

It is important to emphasize that when we process your personal data based on your consent, you have the possibility to revoke this consent at any time.

3 - Who can this information be shared with?

A'kiba Technologies takes care of your personal data and ensures their confidentiality. Your information may be shared in certain contexts, always in compliance with current regulations:

1. Directions and Internal Services of A'kiba Technologies

• Your data may be shared within our business, including for legal compliance, anti-money laundering, anti-fraud, and to meet our legitimate research and development requirements, as well as for the personalization of products/services and communications.

2. Affiliated Entities within the A'kiba LLC Group

• FINANCIAL VERSO : As a sister company registered in the Gabonese Republic, information could be shared as part of the overall management of the group's customers and for operational reasons.

3. Service Providers and Subcontractors

• Some of our business processes involve sharing your data with vendors and contractors such as APPLE, who assist us with payments, identity verification, technical hosting, customer support and other services.

4. Banking Partners and Authorities

• We are sometimes required to share your data with entities such as ANIF, COBAC, ECOBANK, BGFIBANK, BDA, the Economic and Financial Criminal Pole, the Judicial Police, the Economic Police, CEMAC, BEAC, the DGCPT, and the DGI to respond to official requests and regulatory obligations in Gabon.

5. Regulated Professions

• In specific cases, such as litigation or audit situations, your data may be shared with lawyers, notaries and auditors, in compliance with applicable regulations.

6. Technology Partners

• For technological purposes and to improve our communications with you, data may be shared with technology partners such as AWS, Visa, GTP and APPENING, ensuring that they comply with our data protection standards and contractual agreements in place. .

Respect for Confidentiality and Legality

When we share your data, we ensure that our partners adhere to high standards of data protection and operate in compliance with applicable laws. Data is shared as strictly necessary to carry out the operations stated and with a firm commitment to the security and confidentiality of your information.

4 - Does A'kiba Technologies keep your personal data in Gabon?

Indeed, A'kiba Technologies, a company governed by Gabonese law, attaches paramount importance to compliance with the regulations in force in Gabon concerning the protection of personal data. Consequently, your personal data is mainly processed and preserved within Gabonese territory.

5 - Can your personal data be processed, shared and stored abroad?

It should be noted that some of our partners are either based abroad or have data centers outside Gabon. As part of the execution of their obligations towards A'kiba Technologies, these partners may be required to process and store your data outside CEMAC, in countries with similar guarantees in terms of personal data protection. A'kiba Technologies also shares your personal data with its partners located outside its borders (notably in France and the United States), ensuring that these countries provide adequate guarantees of protection of personal data and in strict compliance with the regulatory formalities required for transfers of personal data outside CEMAC.

6 - How long does A'kiba Technologies keep your personal data?

You acknowledge that your information, including your personal data, as well as your transactions, your documents or their reproductions, will be recorded and stored by A'kiba Technologies for a period of ten (10) years. The retention of your personal data for 10 years is carried out in compliance with the laws and regulations in force, meeting the operational requirements and constraints of A'kiba Technologies, such as the management of our accounting, efficient administration of customer relations, as well as with the aim of asserting our rights in court or responding to requests from regulatory bodies.

7 - Your Rights Concerning Personal Data at A'kiba Technologies

Your privacy is essential to A'kiba Technologies, and we make sure to provide transparency and control when it comes to your personal data. Here is a summary of the rights you have under applicable data protection regulations, and how you can exercise them:

Your rights:

Right of access and information:

You have the right to know what personal data we hold about you and how it is processed.

Right of rectification and updating:

We encourage you to update your data if it changes and you can also ask us to correct or complete information that you consider to be inaccurate.

Right to digital oblivion and erasure:

You can ask us to erase your personal data in certain circumstances.

Right of question and opposition:

You can ask us to stop processing your data in certain contexts (such as commercial prospecting) and object to certain types of processing of your information.

Right to restriction of processing:

In certain situations, you can ask us to limit the processing of your personal data.

Right to be informed:

We inform you about the use of your data through privacy policies and notifications.

How to Exercise Your Rights:

Request Access:

To access your data, please send a request by writing to  contact@akibatechnologies.com  with proof of identity.

Modify or Delete Your Data:

You can request the modification or deletion of your data by contacting us at the same address.

Opposition and Limitation:

If you wish to object to the processing or request a restriction, please let us know via the same contact.

Complaints:

If you have any concerns about the way your data is managed, you have the right to lodge a complaint with the regulatory authority, namely ARCEP.

A'kiba Technologies is dedicated to ensuring that your data is protected and your rights respected. We undertake to process all requests in accordance with current regulations and as quickly as possible. If you have any further questions or concerns, please do not hesitate to contact us.

8 - Updates to our Privacy Policy

A'kiba Technologies understands the importance of being transparent about the use of your personal data and is committed to navigating the digital world with you in complete security and confidence. As technologies and regulations regarding the protection of personal data evolve, our policy may be updated to reflect these changes.

Policy Changes:

Any changes to our privacy policy will be updated in the document available on our app and website so that you can always be informed of how we manage your data.

Change Notification:

If material changes are made to this policy, including how we use your personal data, we will proactively notify you through:

• Direct Notifications: We will send you an email or in-app notification to notify you of significant updates and direct you to the updated document.
• Accessibility:  The most recent version of our privacy policy will always be accessible on our website and our application, with a mention of the latest updates to allow you to stay informed at all times.
• Opportunity to Review:  We will give you the opportunity to review the changes and, if necessary, update your privacy preferences.

Your Active Role:

We encourage you to read these notices carefully and to review our policy regularly so that you can understand how your data is managed and

protected. Your continued use of our Services after changes to this policy will indicate your acceptance of those changes.

Contact Us:

Your opinion matters to us! If you have any questions, concerns, or suggestions regarding our Privacy Policy, please do not hesitate to contact us at  contact@akibatechnologies.com .

A'kiba Technologies is committed to maintaining the trust you place in us, and we will do everything possible to respect and protect your personal data in full transparency and compliance.

9 - Protection of your Personal Data at A'kiba Technologies

A'kiba Technologies attaches paramount importance to the security of your personal data and has implemented robust security measures to protect it. Here is how we ensure the protection of your data:

10- Contact us at A'kiba Technologies

Communication with our customers, partners, and other collaborators is essential for us at A'kiba Technologies. Whether you have questions, concerns or requests related to your personal data, here is how to contact us:

If you are a Customer of A'kiba Technologies:

Exercise of Rights:

You can manage and exercise your rights regarding personal data directly from your customer account on our platform.

Questions or Concerns:

If you have additional questions regarding the use of your personal data, please contact us via email at  contact@akibatechnologies.com .

If you are a Collaborator or Business Partner:

Exercise of Rights and Questions:

You can exercise your rights or ask us questions about your data by writing to us at  contact@akibatechnologies.com .

If you are not yet associated with A'kiba Technologies:

Future Customers or Partners:

If you are considering becoming a customer or partner or would like more information, please do not hesitate to contact us by email at  contact@akibatechnologies.com .

Your trust is precious to us and we are committed to treating all your requests with the utmost seriousness and within legal deadlines.

Last updated: October 2023