USER AGREEMENT AND POLICIES
INTRODUCTION
MUNAT TECHNOLOGIES ("MUNAT") provides digital infrastructure, airtime, data services, cable TV subscriptions, bill payments, and e-commerce platforms. This document outlines the terms and conditions, privacy policy, data protection policy, cookie policy, and acceptable use policy governing your access to and use of MUNAT's platform, products, and services.
TERMS AND CONDITIONS
1. Eligibility: Users must be at least 18 years old and provide accurate registration information.
2. User Account and Referral Code: Each user is assigned a unique referral code.
3. Referral Program: Users can earn bonuses and entitlements through referrals.
4. Payment and Billing: Users must pay for services via approved payment channels.
5. Termination: MUNAT reserves the right to terminate or suspend accounts.
6. Disclaimers and Limitation of Liability: MUNAT disclaims warranties of any kind.
7. Governing Law: These Terms are governed by Nigerian law.
PRIVACY POLICY
1. Personal Data Collection: MUNAT collects registration information, referral code and downline information, payment and billing information, and usage data.
2. Data Use: MUNAT uses data for platform improvement, service delivery, marketing, and compliance.
3. Data Sharing: MUNAT shares data with approved third-party service providers, uplines, and regulatory authorities.
4. Data Protection: MUNAT implements reasonable security measures.
5. Data Retention: MUNAT retains data for as long as necessary.
DATA PROTECTION POLICY
1. Data Protection Principles: Lawfulness, fairness, transparency, purpose limitation, data minimization, accuracy, storage limitation, security, and accountability.
2. Data Subject Rights: Right to information, access, rectification, erasure, and restriction of processing.
3. Data Breach Notification: MUNAT notifies affected users and regulatory authorities within 72 hours.
COOKIE POLICY
MUNAT uses cookies to enhance user experience.
ACCEPTABLE USE POLICY
Users must not engage in illegal or harmful activities.
COMPLIANCE REVIEW
MUNAT complies with:
1. Nigerian Data Protection Regulation (NDPR)
2. General Data Protection Regulation (GDPR)
3. Nigerian Communications Commission (NCC) regulations
CONSENT
By accessing or using MUNAT's platform, products, and services, you:
1. Agree to these Terms and Conditions, Privacy Policy, Data Protection Policy, Cookie Policy, and Acceptable Use Policy.
2. Consent to the collection, use, and sharing of your personal data.
CHANGES TO POLICIES
MUNAT reserves the right to update these policies.
