Privacy Policy

INTRODUCTION

Phamous Group Ltd is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, disclose and protect your personal information when you visit the Website or use our services.

Information We Collect

We may collect the following types of personal information:

• Contact information: such as your name, address, telephone number, email address, physical address when you register, subscribe or contact us.

• Account information: if you create an account, we may collect your username, password, account ID, investment or purchase history.

• Transaction information: details of investment plans or product purchases, payment information (note: we do not store full credit card data unless required, and payment processing may be handled by third-party processors).

• Usage information: information about how you use our Website and Services, such as pages visited, time spent, IP address, browser type, operating system, referral URL, device identifier.

• Communications: records of your communications with us (emails, chat, calls) and your preferences for receiving marketing or promotional communications.

• Cookies & tracking technologies: we may use cookies, web beacons, analytics tools, log files or other technologies to collect information about your interaction with the Website.

How We Use Your Information

We may use your personal information for the following purposes:

• To provide you with Services, manage your account, process transactions and communicate with you.

• To verify your identity, perform due diligence, assess suitability of investment, detect fraud or money‐laundering, comply with legal/regulatory obligations.

• To send you newsletters, updates, promotional offers, and other marketing communications (where you have opted in). You may opt out at any time.

• To improve our Website, products and Services, including for analytics, research and development.

• To maintain security, prevent or investigate wrongdoing, enforce our Terms & Conditions and applicable policies.

Disclosure of Your Information

We may disclose your personal information in the following circumstances:

• To our group companies, affiliates and service providers, for the purposes described above, subject to confidentiality obligations.

• To third‐party payment processors, banks, regulatory or governmental authorities, auditors or legal advisors, as required by law or regulation (including anti-money-laundering, counter-terrorist financing obligations).

• In the event of a business sale, merger, reorganisation or other corporate transaction, your information may be transferred (with prior notice).

• With your consent, or when otherwise required or permitted by law.

Data Security and Data Retention

We implement appropriate physical, technical and administrative safeguards to protect your personal information from unauthorised access, use, alteration or disclosure. However, no internet transmission or electronic storage method is 100% secure and we cannot guarantee absolute security.

We will retain your personal information for as long as needed to fulfil the purposes described in this Privacy Policy, to comply with legal obligations, resolve disputes and enforce our agreements.

Your Rights

Depending on your jurisdiction, you may have rights regarding your personal information, such as:

• The right to access the personal information we hold about you.

• The right to correct or update inaccurate personal information.

• The right to request deletion of your personal information (subject to legal obligations).

• The right to object to or restrict certain processing of your personal information (such as direct marketing).

• The right to withdraw consent where processing is based on consent.
  To exercise these rights, please contact us at info@phamousgroupltd.com.

Contact Information

If you have questions about this Privacy Policy or wish to exercise your data-rights, you can contact us at:
Phamous Group Ltd
No. 35 Orelope Street, Egbeda, Lagos State, Nigeria
Phone: +234 906 427 1378
Email: info@phamousgroupltd.com

Last Updated: [November, 2025]