1. Introduction

1.1       We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.

1.2       We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit www.doobia.com. By using www.doobia.com and agreeing to this policy, you consent to our use of cookies in   accordance with the terms of this policy.

2. Credit

2.1       Our privacy policy was created using a template from SEQ Legal. http://www.seqlegal.com


3. Collecting personal information

3.1       We may collect, store and use the following kinds of personal information:

a.         Information about your computer and about your visits to and use of www.doobia.com including your IP address, geographical location, length of visit, page views and website navigation paths

b.         Information that you provide to us when registering with our website including your email address and telephone number.

c.         Information that you provide when completing your profile on www.doobia.com including your name, profile pictures, gender, date of birth, investment interests, investment clubs, educational details and employment details.

d.         Information that you provide to us when using the services on www.doobia.com, or that is generated in the course of the use of those services including the timing, frequency and pattern of service use, and the content of your posts.

e.         Information contained in or relating to any communication that you send to us or send through our website including the communication content and metadata associated with the communication.

3.2       Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.

4. Using personal information

4.1       Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

4.2       We may use your personal information to:

a.         Administer our website and business

b.         Personalise www.doobia.com for you

c.         Enable your use of the services available on www.doobia.com

d.         Supply to you services purchased through www.doobia.com

e.         Send statements, invoices and payment reminders to you, and collect payments from you.

f.          Send you email notifications that you have specifically requested

g.         Provide third parties with statistical information about our users but those third parties will not be able to identify any individual user from that information.

h.         Deal with enquiries and complaints made by or about you relating to www.doobia.com

i.          Communicate with you when you participate in and win in our competitions.

4.3       We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.

5. Disclosing personal information

5.1       We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.

5.2       We may disclose your personal information:

a.         To the extent that we are required to do so by law.

b.         In connection with any ongoing or prospective legal proceedings.

c.         In order to establish, exercise or defend our legal rights including providing information to others for the purposes of fraud prevention and reducing credit risk.

d.         To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

5.3       Except as provided in this policy, we will not provide your personal information to third parties.

6. International data transfers

6.1       Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.

6.2       Information that we collect may be transferred to the following countries which may not have data protection laws equivalent to those in force in Ghana: Nigeria, Cote d'Ivoire and Kenya.

6.3       Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

6.4       You expressly agree to the transfers of personal information described in this Section 6.

7. Security of personal information

7.1       We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

7.2       We will store all the personal information you provide on our secure servers.

7.3       All electronic financial transactions entered into through our website will be protected by encryption technology.

7.4       You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

7.5       You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password except when you log in to our website.

8. Amendments

8.1       We may update this policy from time to time by publishing a new version on our website.

8.2       You should check this page occasionally to ensure you are happy with any changes to this policy.

8.3       We may notify you of changes to this policy by email or through the private messaging system on our website.

9. Cookies

9.1       We use cookies to enhance the experience of our subscribers on www.doobia.com.

9.2       A cookie is a file containing an identifier a string of letters and numbers that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

9.3       Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

9.4       Third party cookies:

a.         www.doobia.com also uses third party cookies.

b.         We publish Google AdSense interest-based advertisements on our website. Third party vendors, including Google, use cookies to serve ads based on a user's prior visits to www.doobia.com. Google's use of the DoubleClick cookie enables it and its partners to serve ads to our subscribers based on their visit to www.doobia.com and other sites on the Internet. Users may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting http://www.google.com/settings/ads.

c.         You can also opt out of the AdSense partner network cookie using those settings or using the NAI's (Network Advertising Initiative's) multi-cookie opt-out mechanism at: http://www.networkadvertising.org/choices/. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. To ensure that an opt-out is maintained in respect of a particular browser, you may wish to consider using the Google browser plug-in available at:  https://www.google.com/settings/ads/plugin.