Privacy Policy

This Privacy Policy describes how PalmYield (“PalmYield,” “we,” “us,” or “our”), the operator of the website at https://www.palmyield.com/ and the associated mobile application (collectively, the “Platform” or “Services”), collects, uses, discloses, stores, and protects personal information when you access or use our Services.

PalmYield is a commodity investment platform that enables users to buy, store, track, and manage palm oil and related assets (including farmland and supply-chain investments) through a digital reserve. By using the Platform, creating an account, making investments, or otherwise interacting with us, you agree to the collection and use of information in accordance with this Privacy Policy.

We collect personal information in the following categories:

Information You Provide Directly

• Account registration details: full name, email address, phone number, username, password, and profile information.
• Identity verification / KYC data: government-issued identification documents, date of birth, nationality, address, biometric data (where required for verification), and related supporting documents.
• Financial and transaction information: bank account details, payment method information, investment amounts, transaction history, withdrawal requests, and related records.
• Communications: information you provide when contacting support, participating in surveys, affiliate programs, or merchant tools.
• Other voluntary information: feedback, referrals, or content you submit through the Platform.

Information Collected Automatically

• Device and technical data: IP address, device type, operating system, browser type, unique device identifiers, mobile network information, and approximate location (derived from IP or device settings).
• Usage data: pages or screens viewed, features used, investment activity, time spent on the Platform, referral sources, and interaction logs.
• Cookies and similar technologies: session cookies, preference cookies, analytics cookies, and tracking technologies used to maintain sessions, remember preferences, analyze performance, and improve the Services.

Information from Third Parties

• Verification and compliance partners (identity verification, fraud prevention, anti-money laundering checks).
• Payment processors and banking partners.
• Storage and logistics partners (for asset-backed reserves).
• Publicly available sources or referral partners (affiliates).

We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it.

We use personal information for the following purposes:

• To create and manage your account and provide the Services (buying, storing, tracking, and selling palm oil or related assets).
• To process transactions, investments, deposits, withdrawals, and returns.
• To perform identity verification, KYC/AML checks, and comply with legal and regulatory obligations.
• To communicate with you about your account, transactions, security alerts, updates, and support requests.
• To operate, maintain, secure, and improve the Platform (including fraud detection, risk management, and analytics).
• To manage affiliate and merchant programs.
• To send marketing communications (where you have consented or where permitted by law); you may opt out at any time.
• To enforce our terms, protect our rights, and respond to legal requests.
• For internal research, auditing of reserves, and business operations consistent with asset-backed security practices.

Legal bases for processing (under NDPA and similar laws) include: performance of a contract with you, compliance with legal obligations, our legitimate interests (e.g., security, improvement of Services, fraud prevention), and your consent (where required).

We do not sell your personal information. We may share information in these limited circumstances:

• Service providers and partners: Payment processors, identity verification providers, cloud hosting, analytics providers, insurers (e.g., EIP), verified storage partners, and auditors who assist in operating the Platform under strict contractual confidentiality and data protection obligations.
• Affiliates and merchants: Limited information necessary to operate the affiliate/referral or merchant supply programs.
• Legal and regulatory requirements: When required by law, court order, or government authority (including anti-money laundering, tax, or securities regulators), or to protect the rights, property, or safety of PalmYield, our users, or others.
• Business transfers: In connection with a merger, acquisition, reorganization, or sale of assets, subject to appropriate safeguards.
• With your consent: Where you explicitly authorize sharing.

All third parties are required to process data only for the purposes we specify and in accordance with applicable data protection laws.

We implement bank-grade technical and organizational security measures, including encryption (in transit and at rest), access controls, secure authentication, regular security assessments, and monitoring. Asset reserves are subject to verification, auditing, and insurance arrangements as described on the Platform.

We retain personal information only for as long as necessary to fulfil the purposes outlined in this Policy, including to provide the Services, comply with legal, tax, accounting, and regulatory obligations (which may require retention for several years after account closure), resolve disputes, and enforce agreements. When no longer needed, we securely delete or anonymize the data.

Subject to applicable law (particularly the NDPA), you have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion or restriction of processing (subject to legal retention requirements).
• Object to certain processing (including direct marketing).
• Request data portability.
• Withdraw consent where processing is based on consent.
• Lodge a complaint with the Nigeria Data Protection Commission (NDPC) or other relevant supervisory authority.

To exercise these rights, contact us using the details below. We may need to verify your identity before responding. We will respond within the timeframes required by law.

You can also manage certain preferences (marketing emails, cookie settings) through your account or device settings.

We use cookies and similar technologies to enable core functionality, remember preferences, analyze usage, and improve the Platform. You can control cookies through your browser or device settings. Disabling certain cookies may affect Platform functionality.

Your information may be processed or stored in Nigeria or other jurisdictions where our service providers operate. Where data is transferred outside Nigeria, we ensure appropriate safeguards (such as contractual clauses or adequacy measures) consistent with applicable law.

The Platform may contain links to third-party websites or services. This Privacy Policy does not apply to those third parties. We encourage you to review their privacy policies.

We may update this Privacy Policy from time to time. The “Last Updated” date at the top will indicate the latest version. Material changes may be notified via the Platform, email, or other appropriate means. Continued use of the Services after changes constitutes acceptance of the updated Policy, so we encourage you to review this page regularly.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

• Email: info@palmyield.com (or the support email available on the Platform)
• Website: https://www.palmyield.com/

For data protection inquiries, you may also contact the relevant authority in your jurisdiction.

Users are advised to review the Platform’s Terms of Service in conjunction with this Policy.