OAKWOOD Group Limited Privacy Policy

About OAKWOOD Group Limited.

Oakwood Group Limited is a professionally managed conglomerate with subsidiaries operating efficiently under its umbrella. overseen by industry experts and professionals with verifiable track records. Oakwood Group Limited.

Oakwood Group Limited is a professionally managed real estate firm overseen by seasoned industry professionals with verifiable track records. We are regulated by the Lagos State Real Estate Regulatory Authority and registered with the Corporate Affairs Commission. Our footprint includes branches in Abuja, Lagos, Port Harcourt, and Calabar, with ongoing expansion in Ghana. Our team comprises over 40 professionals across Nigeria.

Founded to be a top-tier, professionally managed real estate company in Nigeria, Oakwood Group Limited is recognized by REDAN as one of the top 20 real estate firms in Nigeria for estate brokerage. We have facilitated transactions valued at over N10 billion and are expanding into other African countries.

We are committed to sustainable business practices, quality service, rigorous market research, and a customer-driven corporate culture. We aim to add value to the Nigerian real estate sector through superior governance, transparency, and long-term client relationships.

Our core philosophy is to establish enduring client partnerships while staying focused on our principal activities. We offer a comprehensive suite of services:

•  Land investment options
• Land banking
• Partnership to Sponsor (P2S)
• Design and building
• Estate development
• Joint venture options
• Project financing
• Land acquisition and brokerage
• Projects off-taking services

We serve public- and private-sector organizations, corporate clients, institutions, and high-net-worth individuals, delivering excellence across all facets of real estate development and management. across all facets of real estate development and management…

Our Evolution
Our vision is to redefine real estate through innovative, sustainable development. That vision has grown into a comprehensive mission as we’ve honed our expertise and expanded across diverse disciplines. Oakwood Group Limited now stands for holistic solutions that not only meet but exceed the expectations of clients, partners, and stakeholders.

A Symphony of Specialized Services
Oakwood Group Limited comprises diverse, autonomous subsidiaries that collaborate within our broader framework. They form the pillars of our group:

1. Tudion Farms Investment Ltd – Agricultural
2. Five Fingers Restaurant
3. Ibiza Beach Resort Ltd
4. Checkers Cafe
5. Reef Forever Goals
6. Blue Waves Investment Ltd
7. Kangaroo Movers & Logistics Ltd – efficiency and care

We are Oakwood Group Limited: we build value and deliver trust.

Our Commitment to Excellence
We go beyond project execution to create value for clients, empower employees, and contribute to community development. Our culture emphasizes continuous improvement, learning, and adaptation. We are committed to environmental stewardship, integrating green practices across ecological, social, and economic dimensions to promote well-being today and for future generations..

Introduction

OAKWOOD Group Limited conducts business in a responsible and sustainable manner and ensures customer information is securely collected, processed, and stored based on business requirements. In furtherance of this and compliance with industry regulations, OAKWOOD Group Limited has provided appropriate documentation, which includes a privacy policy. OAKWOOD Group Limited, therefore, provides notice about this policy and applicable procedures. It identifies the purposes for which personal information is collected, used, processed, disclosed, retained, and disposed.

Throughout this Privacy Policy, we use the term “personal information or data” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous such that it does not identify a specific user.

Scope and Consent

As a Customer, you accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively referred to as “OAKWOOD Group Limited Services”).

This Privacy Policy is intended to govern the use of OAKWOOD Group Limited Services by users (including, without limitation those who use these OAKWOOD Group Limited Services in the daily course of their trade, practice, or business) unless otherwise agreed through contract. Users reserve the right to exercise their data protection right as listed under the Customer Data Protection Rights.

Collection of Personal Information

We collect Personally Identifiable Information (PII), otherwise known as Personal Information or Personal

Data. They include Name, email address, phone number, contact address, limited financial information,

location data, device data, etc.

How We Collect Personal Information

Customers’ data is collected electronically when they visit our website and register to use any of our services. This is collected electronically with exchanges between your system (Computer, Server, Mobile Device) or service provider’s system and our system.

We collect Customers’ data manually when they complete our product and services registration forms in registering to use any of our services. Similar data are also collected when customers or visitors visit our physical locations for inquiries or business relationships.

We collect information from or about customers from other sources, such as through your contact with us, including our Customer Support interfaces – email, portal, phone calls, social media, and other communication channels; Customer support teams, Customer response to surveys, Training programs, Corporate Social Responsibility events, Promotional events, and interactions with members of the OAKWOOD Group Limited or other companies (subject to their privacy policies and applicable law).

We may also obtain information about you from third parties such as credit bureaus and identity verification services.

How We Use Collected Information

We collect personal information to provide users of our services with a secure, smooth, efficient, and customized experience. Furthermore, the information collected may also be used to provide OAKWOOD Group Limited Services and customer support; process transactions and send notices about your transactions; verify your identity, including during account creation and password reset processes; resolve disputes, collect fees, and troubleshoot problems; manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities; detect, prevent or remediate violations of policies or applicable user agreements.

We also collect personal information to improve Services by customizing your user experience; to measure the performance of OAKWOOD Group Limited Services and improve their content and layout; manage and protect our information technology infrastructure; provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences; contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging; perform creditworthiness and solvency checks, and compare information for accuracy and verify it with third parties.

Additionally, we may contact you via electronic means to notify you regarding your account, troubleshoot problems with your account, resolve a dispute, collect fees or monies owed, poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Furthermore, we may contact you to offer coupons, discounts, and promotions, and inform you about OAKWOOD Group Limited Services or its group services.

Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, auto-dialled or pre-recorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.

Protection and Storage of Personal Information

We store and process your personal information on our computers in Lagos, Nigeria, and anywhere else where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure, and alteration.

Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centres, and information access authorization controls. We have also taken additional measures by ensuring our system complies with industry information security standards.

We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. However, your personal information will remain with the organization until you exercise your right to erasure, subject to any legal or regulatory obligations that require us to retain certain data for a specified period.

Once a valid request for erasure is received, and there is no overriding regulatory or legal requirement for its retention, your data will be securely deleted

Marketing

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine customers’ information with information collected from other companies and use it to improve and personalize OAKWOOD Group Limited Services, content, and advertising.

We have also included the opportunity for customers who had initially subscribed to receive notifications or information about their activities in relation to the use of OAKWOOD Group Limited’s service to unsubscribe or request to be removed from applicable databases.

Sharing Personal Information with Other OAKWOOD Group Limited Users

When transacting with others, we may provide those parties with information to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction.

To facilitate dispute resolution, we may provide a buyer with the seller’s address so that goods can be returned to the seller. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is not authorized by OAKWOOD Group Limited.

We may provide or display customer information to a third-party while consummating transactions to validate those transactions are being exchanged with valid receivers.

We work with third parties, including merchants, to enable them to accept or send payments from or to Customers using OAKWOOD Group Limited Services. In doing so, a third party may share information about customers with us, such as email address or mobile phone number, to inform such customers that a payment has been sent. We use this information to confirm that users are OAKWOOD Group Limited customers and that OAKWOOD Group Limited as a form of payment can be enabled, or to send customer notification of payment status. Also, we may oblige requests to validate that a customer transacts business with OAKWOOD Group Limited.

Customers’ card information may be available for their subsequent reuse if they chose for it to be remembered at previous attempts. Do note that merchants, sellers, and users involved in transactions may have their own privacy policies, and OAKWOOD Group Limited does not allow the other transacting party to use this information for anything other than providing OAKWOOD Group Limited Services, OAKWOOD Group Limited is not responsible for their actions, including their information protection practices.

OAKWOOD Group Limited will not disclose your credit/debit card number or bank account number to anyone or with the third parties that offer or use OAKWOOD Group Limited Services, except with customers’ express permission or if we are required to do so to comply with credit/debit card rules, a subpoena, law enforcement or other legal processes.

Sharing Personal Information with Other Third Parties

We may share customers’ personal information with:

1. Members of the OAKWOOD Group Limited to provide joint content, products, and services (such as registration, transactions, and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications. This information will only be used for marketing communications only if customers have requested the services.
2. Institutions that we partner with to jointly create and offer products, services, promotions, and rewards as well as institutions that we partner with to run events.
3. Credit bureaus and collection agencies to report account information, as permitted by law.
4. Banking partners as required by credit/debit card association rules for inclusion on their list of terminated merchants.
5. Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to customer personal information. Customers will receive prior notice if personal information would be used contrary to this policy).
6. Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to OAKWOOD Group Limited or one of its affiliates; when we need to do so to comply with law or credit/debit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.

Other unaffiliated third parties, for the following purposes:

We may share your personal information with:

• Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.
• Customer Service: for customer service purposes, including to help service your accounts or resolve disputes.
• Shipping in connection with shipping and related services for purchases made using OAKWOOD Group Limited Services.
• Legal Compliance to help them comply with anti-money laundering, counter-terrorist financing verification requirements and the Central Bank of Nigeria regulations on Know Your Customer (KYC).
• Service Providers to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service, address verification and technology services. Our contracts dictate that these service providers only use customer information in connection with the services they perform for us and not for their own benefit.

Other third parties with your consent or direction to do so.

• Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in our country of primary jurisprudence.
• If customers open any of our products and services or related wallet account directly on a third-party website or via a third-party application, any information that is entered on such systems (and not directly on an OAKWOOD Group Limited website) will be shared with the owner of the third-party website or application. These sites are governed by their own privacy policies and customers are encouraged to review their privacy policies before providing them with personal information. OAKWOOD Group Limited is not responsible for the content or information practices of such third parties.

Cross Border Transfers of Personal Information

OAKWOOD Group Limited is committed to protecting customers’ personal information regardless of where the data resides and to providing appropriate protection for where such data is transferred across borders, including outside of Nigeria. We have further taken measures to ensure our relationships are with countries that are governed by similar data protection regulations. OAKWOOD Group Limited conducts assessments of other entities to provide a reasonable assurance of the safety of customers’ information.

Customer Data Protection

Our customers have data protection rights and are entitled to the following:

The right to access – Customers have the right to request copies of their personal data. OAKWOOD Group Limited may charge a fee for this service if it will require a substantial amount of resources to accomplish.

The right to rectification – Customers have the right to request that OAKWOOD Group Limited corrects any information they believe and have proven has been captured inaccurately. Customers also have the right to request OAKWOOD Group Limited to complete the information they believe is incomplete.

The right to erasure – Customers have the right to request that OAKWOOD Group Limited erases their personal data, under certain conditions. These conditions are not limited to regulatory requirements, law enforcement agencies, or where such action may cause disruption to our system.

The right to restrict processing – Customers have the right to request that OAKWOOD Group Limited restricts the processing of their personal data, under certain conditions. (as above)

The right to object to processing – Customers have the right to object to Our Company’s processing of your personal data, under certain conditions. (as above)

The right to data portability – Customers have the right to request that OAKWOOD Group Limited transfer the data that we have collected to another organization, or directly to them, under certain conditions. (as above)

The right to object to automated decision-making – Customers have the right not to be subject to decisions made solely on automated processing of their personal data, including profiling, where such decisions have legal or similarly

significant effects on them. This right does not apply if the decision is necessary for entering into or performing a contract, authorized by law with appropriate safeguards, or based on the customer’s consent.

If we collect your personal data directly from you, please be informed that you have the right to lodge a complaint with the Nigeria Data Protection Commission (NDPC) in accordance with Section 46(1) of the Nigerian Data Protection Act.

However, this right should be exercised only if:

The concern is related to a potential breach of your data privacy rights or if we have used

your personal data in a manner different from the purpose outlined in this Privacy Policy;

You have first raised the concern with us by contacting our Data Protection Office using the

provided communication channel in section 19 of this Privacy Policy, and

We do not respond to your complaint within a period of 2 to 4 working weeks from the date of

your complaint.

Customer requests based on any of the rights above shall be handled between 2 to 4 working weeks.

Customers may contact us by email or writing to details in Section 19.

The Use of Cookies and Similar Technologies

When Customers access our websites or use OAKWOOD Group Limited Services, we may place small data files on your computer or other devices. These data files may be cookies, pixel tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively referred to as “Cookies”). These technologies are used to recognize users as customers; customize OAKWOOD Group Limited Services, content, and advertising; measure promotional effectiveness; help ensure that account security is not compromised; mitigate risk and prevent fraud, and promote trust and safety across OAKWOOD Group Limited Services and related sites.

Users can freely decline our Cookies if the web browser or browser add-on permits unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with users’ use of our websites and OAKWOOD Group Limited Services.

The Privacy Policies of Other Websites

This privacy policy applies to only OAKWOOD Group Limited and not any other brands, though mentioned on our Websites. Neither does it apply to our Merchants, Vendors, or other related partners.

Customer Consent

Please refer to the end of this notice for providing your consent. Your consent to personal data collection and processing may be revoked by notifying us via our contact page. For users below the age of 13, the consent should be provided by the holder of parental responsibility of the child.

Please note, in case you choose to not provide us with the consent or withdraw the consent at any given point in time, we shall not be able to provide the services as detailed in section 4 of this policy.

Available Remedies

In the event of a violation of this Policy by the Company, we shall immediately upon becoming aware of such violation, assess the extent of the violation and take specific actions such as correction, modification, or transfer of the data, subject to the lawful demands of the data subject. The specific actions of correction, modification, and transfer shall be effected within 30 days, subject to external factors not within the reasonable control of the Company.

Changes to Our Privacy Policy

We review our privacy policy periodically and when there is any substantial change to business or regulatory requirements. At the minimum, we shall review this annually and communicate via our communication channels such as Newsletter, on Website, Social Media Accounts.

How to Contact Us

Customers who have concerns, questions about the privacy policy or would like to exercise their protection rights can contact us through the following channels:

Email us at: coretechnology@OAKWOOD Group Limitedgroup.com

Call us: 02016283888

Customer Contact Centre 0700-9065000

Or write to us at OAKWOOD Group Limited Limited, 1648C Oko-Awo Street, Victoria Island Lagos.

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