3. Information Disclosure

We may disclose your personal information in the following instances:

• Consent: By using the services, you consent to the disclosure of your information to third parties, including payment service providers such as 9PSB for NGN account and transaction enablement, Unlimit Global for international remittances, and others who provide services to you.

• Compliance and Protection: We may disclose your information if we are required to do so by law, such as regulatory authorities including the Nigerian Data Protection Commission (NDPC), Nigerian Financial Intelligence Unit (NFIU), and Central Bank of Nigeria (CBN); when we believe in good faith that such disclosure is permitted to enforce or apply our Terms of Use and this Privacy Notice; and to protect the rights, property, or personal safety of ImportaPay, our agents and affiliates, our users, and the public.

• Third-party Services: We may disclose your information with authorized and vetted contractors, subcontractors, third-party service providers strictly for the purposes of offering our Services to you. For example, Dojah for secure identity verification.

• Marketing and Analytics: We may use your information to send you promotional emails about our Services and conduct business analytics to improve our Services. For example, we may share information with third-party service providers to identify and send targeted advertisements or provide mailing services, tax and accounting services, contest fulfillment, web hosting, or analytics services.