Privacy Policy for UseLink

B. Information from creators

When you create an account, create a paid community link, receive payouts, or use UseLink as a creator, we may collect:

• Full name or business name
• Email address
• Phone number
• Telegram, WhatsApp, or other social platform ID
• Bank account details for payouts
• Identification documents for KYC and compliance
• Business information
• Community details
• Transaction and payout records
• Support communications
• Risk, compliance, refund, or dispute records

C. Payment and transaction information

We may collect and process transaction-related information such as:

• Amount paid
• Date and time of payment
• Payment method
• Payment status
• Payment reference
• Refund or chargeback status
• Creator payout status
• Subscription duration
• Access-granting status

We do not intentionally store card CVV data. Card and payment processing may be handled by licensed payment partners such as Kora or other approved providers.

2. Why We Collect Your Information

We collect and use personal data for the following purposes:

A. To provide UseLink services

We use your information to:

• Create and manage creator accounts
• Generate paid subscription links
• Process subscriber payments
• Grant subscribers access to paid communities
• Track active, expired, cancelled, or failed subscriptions
• Remove expired members where automatic access control is enabled
• Process creator payouts
• Provide customer support

B. To process payments and payouts

We use payment and bank information to:

• Process payments from subscribers
• Settle earnings to creators
• Verify payment status
• Handle failed payments
• Process refunds where applicable
• Resolve payment disputes and chargebacks
• Comply with payment partner requirements

C. For KYC, fraud prevention, and compliance

We may use creator and transaction information to:

• Verify creator identity
• Meet Know Your Customer obligations
• Prevent fraud, scams, abuse, money laundering, or unauthorized transactions
• Detect suspicious activity
• Respond to chargebacks, complaints, or disputes
• Comply with applicable laws, payment network rules, regulatory requirements, and payment partner obligations

D. For analytics and service improvement

We may use location data, device data, transaction data, and platform usage data to:

• Understand checkout performance
• Improve payment success rates
• Monitor traffic sources
• Detect unusual activity
• Improve user experience
• Build creator analytics
• Measure platform usage and performance

E. To communicate with you

We may use your contact details to send:

• Payment confirmations
• Subscription updates
• Access instructions
• Expiry reminders
• Creator payout updates
• Security alerts
• Support responses
• Important service or policy updates

3. Legal Basis for Processing

We process personal data only where we have a lawful basis to do so. This may include:

• Your consent
• Performance of a contract with you
• Compliance with legal obligations
• Fraud prevention and platform security
• Legitimate business interests, provided your rights do not override those interests

For example, we process subscriber data to complete payments and grant access to communities. We process creator bank and identity information to enable payouts, verify creators, prevent fraud, and comply with legal and payment partner obligations.

4. How We Share Information

We do not sell your personal data.

However, we may share necessary information with trusted third parties where required to provide our services, process payments, comply with the law, or protect users.

We may share data with:

• Payment processors and service banks, including Kora
• Banks and financial institutions
• Card schemes and payment networks
• Fraud prevention and compliance partners
• Cloud hosting and database providers
• Email and notification providers
• Analytics and monitoring tools
• Legal, regulatory, tax, or law enforcement authorities where required
• Creators, but only where necessary to manage subscriptions and community access

Data shared with creators

When a subscriber pays for access to a creator’s community, we may share limited information with the creator, such as:

• Subscriber name or username
• Subscription status
• Payment status
• Access status
• Subscription expiry date
• Social platform identifier needed to grant access

We do not give creators unnecessary payment, card, device, or sensitive compliance information unless required for a valid legal, security, or dispute-related reason.

5. Creator Bank Information and KYC Data

Creators may be required to provide bank account details and identification documents before receiving payouts or accessing certain UseLink features.

We use this information to:

• Verify creator identity
• Process payouts
• Prevent fraud
• Meet legal, regulatory, payment, and banking requirements
• Handle disputes, refunds, or chargebacks

We may share this information with payment processors, banks, compliance providers, or regulators where necessary.

6. Location Data and Analytics

We collect location data, including IP-based location, to support analytics, fraud prevention, security monitoring, and platform improvement.

This helps us understand:

• Where traffic is coming from
• Whether activity appears suspicious
• Checkout and conversion performance
• Creator audience patterns
• Security and abuse risks

We do not use location data to make unfair or unlawful decisions about users.

7. Data Retention

We keep personal data only for as long as necessary to provide our services, comply with legal obligations, resolve disputes, prevent fraud, enforce agreements, and maintain accurate business records.

Some payment, KYC, transaction, refund, chargeback, tax, and compliance records may need to be retained even after a user requests deletion, where retention is required by law, regulation, payment partner requirements, or legitimate dispute-resolution needs.

When data is no longer required, we will delete, anonymise, or securely archive it.

8. Your Rights

You may have rights over your personal data under applicable data protection laws, including the Nigeria Data Protection Act 2023 and other relevant privacy laws.

Subject to applicable law, you may request to:

• Access your personal data
• Correct inaccurate information
• Delete your personal data
• Restrict certain processing
• Withdraw consent where processing is based on consent
• Object to certain processing
• Request information about how your data is used

To make a request, contact us at:

Email: support@uselink.to

We may need to verify your identity before processing your request.

Please note that deletion requests may not apply to data we are legally required to retain, such as payment, KYC, tax, fraud-prevention, dispute, or regulatory records.

9. Data Deletion Requests

You can request deletion of your personal data at any time.

Where legally permitted, we will delete your data from our active systems. However, we may retain certain records where necessary to:

• Comply with legal obligations
• Prevent fraud or abuse
• Resolve payment disputes
• Respond to chargebacks or refunds
• Enforce our terms
• Meet tax, accounting, banking, or regulatory requirements

Where full deletion is not immediately possible, we may restrict, archive, or anonymise the data where appropriate.

10. Security of Your Data

We take reasonable technical and organisational measures to protect personal data against unauthorized access, loss, misuse, alteration, disclosure, or destruction.

These measures may include:

• Access controls
• Encryption where appropriate
• Secure payment processing
• Role-based access
• Monitoring and logging
• API and webhook security
• Restricted access to sensitive data
• Internal security procedures

However, no online platform can guarantee absolute security. Users and creators are responsible for keeping their account credentials and connected social accounts secure.

11. Payment Security

Payments on UseLink may be processed through licensed payment providers such as Kora.

We do not intentionally store card CVV information. Payment providers may process card, bank, transfer, and transaction data according to their own legal, security, and compliance obligations.

Where required, transaction data may be used for fraud checks, chargebacks, refunds, compliance, regulatory reporting, and dispute resolution.

12. International Data Transfers

Some of our service providers may process or store data outside Nigeria or outside your country of residence.

Where this happens, we take reasonable steps to ensure that such transfers are carried out in accordance with applicable data protection laws and that appropriate safeguards are in place.

13. Children’s Privacy

UseLink is not intended for children. We do not knowingly collect personal data from children.

If we become aware that a child has provided personal data to us without proper consent, we will take reasonable steps to delete such information, unless we are legally required to retain it.

14. Third-Party Communities and Creator Content

UseLink helps creators manage paid access to private communities. We are not responsible for the independent actions, content, promises, or conduct of creators outside the UseLink platform.

Creators are responsible for ensuring that their communities, content, offers, and subscriber interactions comply with applicable laws and UseLink’s terms.

If you believe a creator is misusing your data or has made a misleading offer, please contact us.

15. Data Breaches

If we become aware of a personal data breach that affects your rights or personal data, we will take reasonable steps to investigate, contain, and remedy the breach.

Where required by law, regulation, or our payment partner obligations, we may notify affected users, regulators, payment partners, or other relevant parties.

16. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, payment partner obligations, or business operations.

When we make material changes, we may notify users by email, platform notice, or other appropriate means.

Your continued use of UseLink after an update means you accept the updated Privacy Policy.

17. Contact Us

For questions, complaints, or data requests, contact us at:

Consylus Technologies Limited

Product: UseLink

Email: support@uselink.to

Website: https://uselink.to