Privacy Policy

This Privacy Policy applies to all users of Taxable, including:

• Individual taxpayers
• Business taxpayers
• Accountants
• Auditors
• Marketplace participants
• Visitors to our website and applications

This Policy applies to information collected through our platform, website, communications, support interactions, onboarding processes, filings, marketplace engagements, and third-party integrations used in connection with Taxable.

To provide our services effectively and comply with applicable legal and regulatory obligations, we collect certain categories of information.

Personal Information

This may include:

• Full name
• Email address
• Phone number
• Residential address
• Business address
• Date of birth
• Profile information

Identity Verification Information

Where applicable, we may collect:

• Tax Identification Number (TIN)
• National Identification Number (NIN)
• Bank Verification Number (BVN)
• Government-issued identification documents
• CAC registration information
• Utility bills
• Business verification documents
• Professional verification documents

Tax & Financial Information

As a tax preparation and compliance platform, Taxable may process:

• Tax filing information
• Income information
• Expense information
• VAT records
• Payroll records
• Business financial records
• Trial balances
• Tax computations
• Supporting tax documentation
• Uploaded filing documents

Marketplace Information

Where users engage with accountants or auditors through the platform, we may collect:

• Job requests
• Bid submissions
• Engagement records
• Uploaded files
• Ratings and reviews
• Service delivery information
• Communication records
• Transaction information

Technical & Usage Information

When you interact with our Services, we may automatically collect certain technical information including:

• IP address
• Browser type and version
• Device information
• Operating system
• Device identifiers
• Session activity
• Log information
• Timestamps

Analytics Information

We may also collect information regarding how users interact with the platform, including:

• Pages visited
• Navigation behaviour
• Feature usage
• Click activity
• Session duration
• Referral sources
• Platform performance metrics
• Error and diagnostic information

This information helps us improve platform functionality, security, performance, reliability, and user experience.

Third-Party Information

We may receive information from:

• Payment providers
• Identity verification partners
• Professional verification services
• Analytics providers
• Infrastructure providers
• Government agencies
• Regulatory bodies

where necessary to support our services.

Taxable uses information collected through the platform to provide, operate, improve, and secure our services.

We may use your information to:

• Facilitate tax preparation and filing workflows
• Generate tax computations and filing summaries
• Create filing packs and supporting documentation
• Manage marketplace engagements
• Verify identities and professional credentials
• Process payments
• Provide customer support
• Detect and prevent fraud
• Monitor platform performance
• Improve platform functionality
• Maintain operational records
• Resolve disputes
• Comply with legal and regulatory obligations

We may also use your information to communicate:

• Filing updates
• Service notifications
• Platform announcements
• Payment confirmations
• Security notices
• Compliance-related communications

We recognize that tax, financial, and identity-related information is highly sensitive.

Taxable treats all tax-related information submitted through the platform as confidential and implements safeguards designed to protect such information from unauthorized access, misuse, alteration, or disclosure.

Access to sensitive information is restricted to authorized personnel and approved service providers strictly on a need-to-know basis.

Where users engage accountants or auditors through the marketplace, relevant information may be shared with the selected professional solely for the purpose of fulfilling the requested service.

Taxable does not sell personal, financial, or tax-related information to advertisers, data brokers, or unrelated third parties.

Taxable processes information based on one or more lawful grounds, including:

• User consent
• Performance of contractual obligations
• Compliance with legal obligations
• Legitimate business interests
• Fraud prevention and security protection
• Establishment, exercise, or defence of legal claims

We may share information only where necessary to provide our services, comply with legal obligations, or protect the integrity of the platform.

Information may be shared with trusted service providers including:

• Cloud hosting providers
• Infrastructure providers
• Analytics and monitoring providers
• Identity verification partners
• Communication providers
• Payment processors
• Security providers
• Customer support providers

These providers are granted access only to information necessary to perform their services and are expected to process such information in accordance with applicable privacy and security obligations.

We may also disclose information:

• To comply with applicable laws
• To respond to lawful requests
• To enforce our agreements
• To investigate fraud or abuse
• To protect users and the platform
• To comply with regulatory obligations

Where required as part of tax filing or compliance processes, information may be disclosed to relevant government agencies, tax authorities, regulators, or law enforcement bodies.

In the event of a merger, acquisition, restructuring, financing, or sale of assets, information may form part of the transferred business assets, subject to applicable confidentiality obligations.

Taxable implements administrative, technical, and organizational safeguards designed to protect information against unauthorized access, misuse, loss, disclosure, or destruction.

Security measures may include:

• Encryption
• Secure cloud infrastructure
• Access controls
• Audit logging
• Monitoring systems
• Authentication protocols
• Role-based permissions
• Fraud detection systems

Information may be stored on secure infrastructure operated by reputable third-party cloud providers, including infrastructure located outside Nigeria where appropriate safeguards exist.

While we strive to use commercially reasonable measures to protect information, no method of transmission or storage is completely secure and we cannot guarantee absolute security.

We retain information only for as long as reasonably necessary to:

• Deliver our services
• Maintain tax records
• Comply with legal obligations
• Satisfy regulatory requirements
• Resolve disputes
• Prevent fraud
• Enforce our agreements

Where information is no longer required, we may securely delete, anonymize, or archive such information.

Subject to applicable laws, users may have rights including:

• Right of access
• Right to correction
• Right to deletion
• Right to object to certain processing
• Right to restriction of processing
• Right to withdraw consent
• Right to data portability (where applicable)
• Right to lodge a complaint with the Nigeria Data Protection Commission (NDPC)

We may request verification of identity before processing certain requests.

Taxable uses cookies, analytics tools, tracking technologies, and similar mechanisms to support platform functionality, improve user experience, monitor performance, enhance security, and understand how users interact with our services.

These technologies may collect information such as:

• Browser type and version
• Device information
• IP address
• Session activity
• Pages visited
• Time spent on pages
• Navigation behaviour
• Referral sources
• Performance metrics
• Error information

We use this information to:

• Improve platform functionality
• Monitor reliability and performance
• Detect and prevent fraud
• Understand product usage trends
• Improve user experience
• Support operational and business analytics

We may use trusted third-party analytics and monitoring providers to assist with these activities.

Users may adjust browser settings to refuse or limit cookies; however, some features of the platform may not function properly if cookies are disabled.

Taxable is committed to processing personal information in accordance with the Nigeria Data Protection Act (NDPA) 2023 and applicable data protection regulations.

We implement administrative, technical, and organizational measures designed to protect personal information against unauthorized access, disclosure, alteration, loss, misuse, or destruction.

Access to customer information is restricted to authorized personnel and approved service providers strictly on a need-to-know basis and only where necessary to provide services, maintain platform operations, comply with legal obligations, or support customer requests.

We continuously review and improve our privacy, security, and compliance practices as our services evolve.

Communications, files, and interactions exchanged through the accountant marketplace may be stored and monitored for:

• Service delivery
• Engagement management
• Compliance oversight
• Fraud prevention
• Dispute resolution
• Platform security
• Operational quality assurance

Users remain responsible for ensuring that uploaded information is accurate, lawful, and appropriate for sharing.

The Services may contain integrations, links, or connections to third-party services not operated by Taxable.

We are not responsible for the privacy practices of such third parties and encourage users to review their privacy policies independently.

Taxable is not intended for use by individuals under the age of 18 without appropriate supervision or authorization where required by law.

We do not knowingly collect personal information from children in violation of applicable laws.

We may update this Privacy Policy periodically to reflect legal, regulatory, operational, or technological changes.

Where material changes occur, we may notify users through the platform, email, or other appropriate communication channels.

Continued use of the Services after such updates constitutes acceptance of the revised Privacy Policy.

If you have any questions, concerns, requests, or complaints relating to this Privacy Policy or the handling of your information, please contact us at:

Taxable by Islands Digital Lagos, Nigeria

Taxable is committed to handling information responsibly and in accordance with applicable privacy and data protection laws, including the Nigeria Data Protection Act (NDPA) 2023 and other applicable legal and regulatory requirements.

We continuously review and improve our privacy, security, and compliance practices as our platform evolves.