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

The Policy applies to all information collected through our Services, 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.

The information we collect may include personal identification details such as your name, email address, phone number, residential address, date of birth, and profile information. Depending on the nature of the service being provided, we may also collect identity verification information including Tax Identification Numbers (TIN), National Identification Numbers (NIN), Bank Verification Numbers (BVN), government-issued identification documents, CAC registration information, business documents, utility bills, and other verification materials.

As a tax and compliance platform, Taxable may also process tax-related and financial information provided by users. This may include income details, filing records, employment information, business financials, VAT records, expense schedules, trial balances, asset registers, tax computations, uploaded filing documents, and other information relevant to tax preparation or compliance operations.

For users participating in the accountant marketplace, we may collect information relating to job postings, bids, proposals, engagements, uploaded documents, communications between parties, ratings, reviews, and transaction-related activity.

We also automatically collect certain technical and device-related information when you interact with our Services. This may include IP address, browser information, operating system, device identifiers, session activity, timestamps, usage analytics, and log information used to improve functionality, security, and performance.

In some cases, we may receive information from third-party service providers, verification partners, payment processors, analytics providers, government agencies, or professional verification services where necessary to support our operations.

Taxable uses information collected through the Services to provide and improve our products and operations.

We use your information primarily to facilitate tax preparation, filing coordination, compliance workflows, marketplace engagements, user authentication, account administration, payment processing, customer support, fraud prevention, and regulatory compliance.

Your information may also be used to:

• Generate tax computations and filing summaries
• Create filing packs and supporting documentation
• Coordinate accountant and auditor engagements
• Enable communication between marketplace participants
• Verify identity and professional credentials
• Detect and prevent fraudulent or suspicious activity
• Improve platform functionality and user experience
• Maintain operational records and audit trails
• Respond to support requests and technical issues
• Comply with legal, regulatory, and governmental obligations

Where required, we may also use your information to communicate important notices relating to filings, deadlines, platform updates, security notifications, payment confirmations, compliance matters, or changes to our Services.

We recognize that tax, financial, and identity-related information is highly sensitive in nature. Taxable treats all tax-related information submitted through the platform as confidential and implements measures designed to protect such information from unauthorized access, misuse, or disclosure.

Access to sensitive filing information is restricted to authorized personnel, service providers, or professionals who require such access strictly for operational, compliance, support, or engagement-related purposes.

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 engagement or filing service.

We do not sell personal or tax-related information to advertisers, data brokers, or unrelated third parties.

Taxable processes personal information in accordance with applicable laws and on lawful grounds including:

• User consent
• Performance of contractual obligations
• Compliance with legal or regulatory obligations
• Legitimate business interests
• Fraud prevention and security protection
• The establishment, exercise, or defense of legal claims where necessary

We may disclose or share information under limited circumstances and only where necessary to provide our Services, comply with legal obligations, or protect the integrity of the platform.

Information may be shared with trusted third-party service providers who support our operations, including cloud infrastructure providers, analytics providers, identity verification services, communication systems, payment processors, and customer support tools.

Where required as part of tax filing or compliance operations, information may also be disclosed to relevant government agencies, tax authorities, regulators, or law enforcement bodies, including the Nigeria Revenue Service (NRS) or State Internal Revenue Services.

If users engage accountants or auditors through the marketplace, information relevant to the engagement may be shared between participating parties to facilitate the requested service.

We may also disclose information where disclosure is reasonably necessary to:

• Comply with applicable laws
• Respond to lawful requests
• Enforce our agreements or policies
• Investigate fraud, abuse, or security incidents
• Protect the rights, safety, and integrity of Taxable, our users, or the public

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

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

Security measures may include encryption, secure cloud infrastructure, restricted access controls, audit logging, monitoring systems, authentication protocols, role-based permissions, and fraud detection measures.

Information processed through Taxable 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 acceptable means to protect information, no method of transmission over the internet or method of electronic storage is completely secure. Accordingly, we cannot guarantee absolute security.

We retain information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including compliance with legal, regulatory, tax, accounting, audit, dispute resolution, fraud prevention, and operational obligations.

Retention periods may vary depending on the type of information involved, the nature of the service provided, and applicable legal requirements.

Where information is no longer required, we may securely delete, anonymize, or archive such information in accordance with our internal policies and applicable laws.

Subject to applicable law, users may have rights relating to their personal information, including:

• Right to access personal information
• Right to correction of inaccurate information
• Right to deletion of information where applicable
• Right to data portability (where applicable)
• Right to object to certain processing activities
• Right to withdraw consent where processing is based on consent
• Right to request restriction of certain forms of processing
• Right to lodge a complaint with the Nigeria Data Protection Commission (NDPC)

Requests relating to personal information may be directed to us using the contact information provided at the end of this Policy.

For security and compliance purposes, we may require verification of identity before processing certain requests.

Taxable may use cookies, tracking technologies, and analytics tools to improve functionality, monitor platform usage, enhance security, remember user preferences, and optimize user experience.

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

Communications, files, and interactions exchanged through the accountant marketplace may be stored and monitored for purposes relating to service delivery, engagement management, dispute resolution, compliance oversight, fraud prevention, platform security, and operational quality assurance.

Users are responsible for ensuring that information and documents uploaded to the platform are accurate, lawful, and appropriate for sharing.

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

Taxable is not responsible for the privacy practices, content, or policies of third-party services. Users are encouraged to review the privacy policies of such third parties independently before interacting with them.

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. If we become aware that information has been collected improperly from a child, we may take steps to delete such information.

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

Where material changes are made, we may notify users through the platform, by email, or through 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, you may contact us at:

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

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