Privacy Policy

updated : August 13, 2022

This privacy policy (hereinafter referred to as the "policy") is provided to enable you understand how Lave (a product owned by Nulave LTD (CS052070221)) a company incorporated under Ghanaian law hereinafter referred to as the Company uses and protects the data you provide to the Company when you visit and use the app or website. The Company maintains the right to change this policy at any given time in accordance with existing laws and warrants that you will be promptly updated of any such changes in the Policy. To ensure that you are up to date with the latest changes, the Company advises you to frequently visit this page. If you do not agree with these Terms , in whole or in part, please discontinue using and / or browsing our Website/App immediately.

Information Collection and Use
When you visit / register with the app/website, you voluntarily grant the Company the permission to collect the following information :
1. your name, address, email address & phone number
2. Address, State, Province, ZIP/Postal code, City;
3. your birth date and gender;
4. your business entity information ;
5. your location ;
6. Photos related to you/service/product;
7. Your IP address;
8. Contacts (with the purpose of sending payment reminders to your debtors);
9. KYC details and any other such information as required;
If your personal details change, it is your responsibility to update your account with those changes, so that we can keep our records complete, accurate and up to date.

All Information is service dependent and we may use the Information to provide the Services, maintain, protect, and improve the Lave Services, and for developing new services.

We may also use your email address and phone number without further consent for marketing, non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, providing information about updates to Lave Services, billing, etc.).

Any Information provided by you will not be considered as personal information if it is freely available and/or accessible in the public domain or is not deemed as a personal information under the applicable law. Further, any reviews, comments, messages, blogs posted/uploaded/conveyed/communicated by Users on the public sections of the Site or an application store (like the App Store or Play Store) becomes published content and is not considered as personal information which is subject to this Policy.

In case you choose to decline to submit Information on the Lave/Site, we may not be able to provide certain services on the App/Site to you. We will make reasonable efforts to notify you of the same at the appropriate time. In any case, we will not be liable and or responsible for the denial of certain services to you for due to not receiving necessary Information from you.

When you register with the Lave Services, we may (at our discretion) contact you from time to time about updation of your Information.

How We Use Your Personal Data
Lave may use the information we collect for the following purposes:
1. To identify and authenticate users to provide a secure and safe environment;
2. To use data collected to connect you with other users on the app/website;
3. To contact you to inform you about promotions or upcoming changes or improvements to the Services
4. To improve the Services and develop new service features;
5. To assist Users in the resolution of complaints and disputes that may arise between them, as necessary for our legitimate interests in facilitating good relations among Users;

Credit/Payment Records: We store all your credit/payment records in a cloud-based environment using the services of third party infrastructure service providers.

Customer Information: We store the contact information of your customers. We also keep a log of all the credit/payment related communication to the customers.

Demographic and Related Information: We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions. We use Google Analytics, among others, to track the User behaviour on Site.

Log File Information: Our Servers automatically collect limited Information about your device's connection to the internet, including your IP address, when you visit our Site or use the App. We automatically receive and log Information from the App and/or your browser including but not limited to IP address, your device or computer's name, and your operating system, We may also collect log Information from your device, including but not limited to your location, IP address, your device's name, device's serial number or unique identification number (e.g. UDID on your iOS device, Android ID or ADID on your Android Device), your device operating system, browser type and version, CPU speed, and connection speed etc.

Cookies: To improve the responsiveness of the Site for our Users, we may use "cookies", or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer. By continuing to visit the App/Site, you are agreeing to the use of cookies and similar technologies for the purposes we describe in this Policy. If you prefer not to receive cookies or web beacons, then you should stop using Services, or consult your browsing and third party cookie settings. We use cookies and other technologies for analysing and optimising our websites as well as for marketing purposes. Our partners may also assign their own cookies to your browser, a process that we do not control.

How We Share Your Personal Data
Third Party Agents:
We may share data collected, with entities that process that information on our behalf for our business purposes. For this reason, we require Third Party Agents to assist us with services such as payment processing, data analytics, marketing and advertising, website hosting, fraud prevention and detection, communication services, and technical support. We warrant that our Third Party Agents are prohibited from retaining, using, or disclosing information about you for any purposes other than performing the services for us, although we may permit them to use information that does not identify you for any purpose except those prohibited by law. We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information. (

Other users:
Lave primarily facilitates contact between users for the purpose of aiding said users to enter into legal binding agreements for services provided. As such, the Company reserves the right to share a User’s contact information (e.g. name, phone number, email, or postal address) with another User, or with their legal or other representative, in order to achieve this primary function and also to facilitate the resolution of a dispute related to or arising from an interaction between two or more Users and the performance of a service request.

Children’s Privacy:
We do not knowingly collect, maintain, or use personal data from children under 18 years of age, and no part of the Services are directed to children. If you learn that a child has provided us with personal data in violation of this Privacy Policy, please contact us.

Legal Obligations:
Lave and its Third Party Agents may disclose information if required or permitted to do so by required by law, order of a court, tribunal or regulator and where it appears to it that a User is causing injury or interference with the use of the app/website by another user or otherwise infringing on the rights of other users, the Company or its affilliates, or the general public; disclose the personal information of that user.