REFUND POLICY OF JAOTECH GWORLD LIMITED

Effective date: 21 September 2025

 

This Privacy Policy explains how JaoTech Gworld Limited trading as JaoTech Gworld and operating the website jaotechgworld.com collects, uses, stores and protects personal information when you visit our website, use our services, enroll in our training programs, contact us, or otherwise interact with us. We are committed to protecting your privacy and to maintaining the trust you place in us.

Company details
Name: JaoTech Gworld Limited
Registered number: RC 8808001
Registered address: No.2, Victory Junction, New Lagos Road, Benin City, Edo, Nigeria
Email: jaotechgworld@gmail.com
Phone: +2349065972816
Website: https://jaotechgworld.com

If you have questions about how we handle personal information or want to make a request under this policy, please contact us at jaotechgworld@gmail.com or by post to the address above.

1. Scope and purpose of this policy

1. This policy applies to all personal information collected or processed by JaoTech Gworld Limited in connection with its websites, services, training programs, client engagements, recruitment and marketing activities.

2. The policy covers personal information collected online, by phone, by email, at our offices and at events or courses we run.

3. We explain what information we collect, why we collect it, how we use it, how long we keep it, with whom we may share it and the rights available to you.

2. Definitions

1. Personal information means any information that identifies or can be used to identify a natural person. This includes names, contact details, identification documents and other information described below.

2. Processing means any activity carried out with personal information including collection, storage, use, disclosure and deletion.

3. Controller means JaoTech Gworld Limited when we determine the purposes and means of processing personal information.

4. Processor means a third party that processes personal information on our behalf under contract.

3. Categories of information we collect

We collect and process the following categories of personal information depending on the service or interaction:

1. Contact and identity information

1. Full name, business name where applicable, postal address, email address, telephone number, job title and company name.

2. Account and login information

1. Username, password where you create an account, and other account settings.

3. Financial and billing information

1. Bank transfer details and billing addresses where you pay for services. For card payments or third party payment platforms we rely on the payment provider and do not store full card details on our systems.

4. Transaction and service history

1. Records of services purchased, training attended, invoices, receipts and communications relating to the work we carry out for you.

5. Identity verification information for compliance purposes

1. Government issued identity documents and proof of address where required for Know Your Customer and anti money laundering checks.

6. Technical and usage information

1. IP address, browser and device information, referral source, pages visited, time and date stamps and other analytics data collected when you use our website or digital services.

7. Communications and support information

1. Notes of calls, messages, inquiries, feedback and support requests.

8. Marketing information and preferences

1. Records of your marketing preferences, opt in and opt out choices, and engagement with our newsletters and campaigns.

9. User generated content

1. Material you submit through forms, assignments for training, testimonials, images and other content you provide to us for publication with your permission.

10. Sensitive personal information

11. We do not generally collect special categories of personal information such as health data except where it is necessary to deliver a training program and you supply that information voluntarily. Where we do collect sensitive information we will obtain explicit consent and handle it with enhanced protections.

4. How we collect personal information

1. Directly from you when you contact us, register for services, sign up for newsletters, enroll in training, apply for jobs or communicate with us by email, phone or in person.

2. Automatically when you visit our websites through cookies and other tracking technologies.

3. From third party sources where you have agreed to share information with us such as referral partners, payment providers, social networks or public directories.

4. From business clients and organisations with whom we engage when you are a representative of that organisation.

5. Legal basis and reasons for processing personal information

We process personal information for the following lawful purposes:

1. To perform a contract with you when we deliver services, supply training or support.

2. To take steps at your request prior to entering a contract such as preparing proposals and quotations.

3. To comply with legal obligations, for example tax and accounting obligations or reporting under anti money laundering law.

4. For our legitimate business interests including to manage and improve our services, to communicate with clients, to administer our website, to protect our business and to prevent fraud subject to balancing tests where required.

5. Where necessary, with your consent for marketing communications or for specific processing activities that require explicit agreement.

If we rely on legitimate interests as our legal basis we will only do so after assessing and balancing our interests against your rights and freedoms.

6. How we use personal information

We use personal information for purposes that are necessary for running our business and providing services:

1. To provide and manage services, training and support.

2. To process payments, issue invoices and comply with tax and accounting requirements.

3. To verify identity and to carry out KYC and AML checks when you engage our services or make certain payments including crypto payments.

4. To respond to enquiries, to communicate about projects and to send administrative messages.

5. To run marketing campaigns where you have consented or where we have a lawful interest to do so and where you have not objected.

6. To monitor and improve our website and digital platforms including analytics and technical diagnostics.

7. To handle recruitment applications and manage employment or contract relationships.

8. To keep records required by law and to defend legal claims or enforce our agreements.

9. To publish testimonials and case studies where we have obtained your permission.

7. Sharing information with third parties

We may share personal information in the following circumstances:

1. Service providers who act as processors for us and who help provide services such as hosting, email services, analytics, payment processing, marketing platforms and client relationship management tools. Each processor is bound by contract to handle data only on our instructions and to apply adequate security measures.

2. Professional advisers such as lawyers and accountants where needed to obtain advice or to comply with legal obligations.

3. Government bodies, law enforcement agencies or regulators where required by law or to protect our legal rights.

4. Where we sell or reorganise our business we may share data with prospective buyers and their advisers subject to contractual confidentiality arrangements.

5. With your consent when you ask us to share information with third parties or when you agree to a particular service integration.

We will never sell your personal information to third parties for direct marketing purposes.

8. Cross border transfers and international processing

1. Our business uses cloud based systems and third party service providers that may store or process personal information outside Nigeria. Where personal information is transferred outside Nigeria we will ensure that appropriate safeguards are in place to protect your data and to comply with applicable law. Safeguards may include standard contractual clauses, data processing agreements and other measures required by law.

2. By providing personal information to us you acknowledge that transfers outside Nigeria may occur and that your data will be processed in accordance with this policy.

9. Data security and confidentiality

1. We implement administrative, technical and physical measures to protect personal information against unauthorised access, disclosure, loss or destruction. Measures include secure hosting, encryption in transit, role based access controls, strong password requirements, regular security reviews and staff training.

2. We limit access to personal information to employees and trusted service providers who need the information to perform their duties. All suppliers who process data on our behalf are required to maintain appropriate security measures and to process data only in accordance with our instructions.

3. No method of transmission over the internet or method of electronic storage is completely secure. We will continue to maintain reasonable safeguards but cannot guarantee absolute security.

10. Data retention

1. We retain personal information only for as long as necessary for the purposes set out in this policy and to comply with legal, accounting or reporting obligations. Retention periods will vary by category of data and purpose. Examples include:

1. Financial and billing records retained for a period required by tax law and accounting practice typically up to seven years.

2. Contact details and client records retained while the business relationship is active and for a reasonable period afterwards for follow up and to meet legal obligations normally up to three years after the last interaction unless otherwise required by law.

3. Recruitment records retained for the duration of the recruitment process and where an applicant is hired for the duration of employment plus statutory retention periods.

2. If you wish to request deletion of your personal information you may contact us. We will consider requests in light of legal obligations that may require us to retain certain records.

11. Cookies and tracking technologies

1. We use cookies, web beacons and similar technologies to operate and improve our website, to provide analytics and to deliver relevant content. Cookies are small text files placed on your device.

2. Types of cookies we use include:

1. Essential cookies required for site operation and security.

2. Analytical cookies to understand how visitors use our website so we can improve performance.

3. Functional cookies to remember preferences and provide a better user experience.

4. Marketing cookies to deliver promotional content and measure the performance of campaigns.

3. Most browsers allow you to manage cookies through settings. You can delete or block cookies from your browser however blocking cookies may limit functionality of the website. Where we rely on consent for non essential cookies we will seek your clear consent before placing those cookies.

12. Your rights and choices

Subject to local law you may have the following rights in relation to your personal information:

1. Right to access the personal information we hold about you and obtain a copy.

2. Right to correct or update inaccurate or incomplete personal information.

3. Right to request deletion of personal information in certain circumstances.

4. Right to restrict or object to processing where permitted by law.

5. Right to data portability where applicable.

6. Right to withdraw consent to processing that is based on consent.

7. Right to lodge a complaint with a supervisory authority where you believe your data rights have been breached. In Nigeria you may contact the relevant data protection regulator or other competent authority.

8. To exercise any of these rights please contact us at jaotechgworld@gmail.com and provide sufficient details to enable us to locate your records. We will respond to requests within a reasonable time and in accordance with applicable law.

13. KYC and anti money laundering checks

1. For certain services, payments and where required by law including where you make payments in cryptocurrency we will carry out identity checks and verify source of funds to comply with anti money laundering and counter financing of terrorism obligations.

2. As part of verification we may request copies of government issued identification documents, proof of address, and other verification documents. We will only request information necessary for compliance and will store it securely.

3. If we are unable to complete the required checks we may decline to provide services or to process the transaction. We will notify you of such outcome where permitted by law.

14. Children and vulnerable persons

1. Our services and website are intended for use by adults. We do not knowingly collect personal information from children under the age of 18. If we become aware that a child under eighteen has provided personal information without parental consent we will take steps to delete such information.

2. If you believe a child has provided personal information to us please contact jaotechgworld@gmail.com and we will act promptly.

15. Links to other websites

1. Our website may include links to third party websites and services. Those websites have their own privacy practices which may differ from ours. We are not responsible for the privacy practices of other sites and encourage you to read their privacy policies before providing personal information.

16. Changes to this policy

1. We may update this policy from time to time to reflect changes in our practices or legal requirements. When we make material changes we will update the effective date at the top of the policy and where appropriate provide a prominent notice on our website. Continued use of our services after a change constitutes acceptance of the updated policy.

17. How to contact us and how to make a request

1. For questions, requests to exercise your rights, data access requests or complaints please contact us using the following details:

1. Email: jaotechgworld@gmail.com

2. Phone: +2349065972816

3. Postal address: No.2, Victory Junction, New Lagos Road, Benin City, Edo, Nigeria

2. When making a request please provide sufficient information to identify yourself and to enable us to locate the relevant records. We may take reasonable steps to verify your identity before responding to a request.

18. Complaints to a regulator

1. If you are not satisfied with our response you may have the right to lodge a complaint with a supervisory authority or regulator in your jurisdiction. This may include the relevant Nigerian data protection regulator or other authorities depending on your location.

19. Additional provisions for specific services

1. Training and course participants

1. Where you enroll for training programs we may use your name and contact information to communicate course materials, certificates and assessments. We may publish participant names on completion lists where you have given consent.

2. Job applicants and contractors

1. We retain applicant information for recruitment and equal opportunity monitoring in accordance with local law. If you are successful we will keep employment records for the duration of the employment relationship and afterwards for statutory retention periods.

3. Testimonials and marketing content

1. With your permission we may publish testimonials, project summaries and case studies that include your name, company and a description of the services provided. You can withdraw permission at any time by contacting us.

20. Security incident notification

1. In the event of a security incident that affects personal information we will assess the impact and act to contain and remediate the incident. Where required by law or where there is a material risk to the rights and freedoms of individuals we will notify affected persons and the relevant regulator within required timeframes.

21. No contract with third party services providers beyond arrangements

1. Where you use third party services integrated with our solutions the contractual relationship for that service will be between you and the third party provider and not with JaoTech Gworld Limited unless we explicitly state otherwise.

22. Legal disclaimer

1. This policy sets out how JaoTech Gworld Limited handles personal information. It is not a legal contract and does not create enforceable rights beyond those provided by applicable law. For legal advice about your rights and obligations you should consult qualified counsel.

Thank you for reading.