Privacy Policy

1. Who We Are

DI Organic Herbal Ltd is an indigenous direct selling company registered in Nigeria (CAC Reg. No. 7361973), offering NAFDAC-registered herbal and personal care products through a membership-based income and rewards system.

2. Information We Collect

2.1 Information You Provide Directly

• Account/Registration Information: Full name, email address, phone number, physical address, date of birth, gender, and username/password when you sign in, join as a member, or register as a stockist.
• Identity Verification: Government-issued ID details or other verification information where required for compliance (e.g., KYC checks tied to payouts).
• Payment and Banking Information: Bank account details, transfer/payout information, and transaction history related to product purchases, retail profit, referral bonuses, matching bonuses, unilevel commissions, and rank award payouts. Payments and transfers are processed through our third-party payment processor (Paystack); we do not store your full card details.
• Referral/Team Information: Details of your upline, downline, referral links, and team structure (binary tree placement) used to calculate bonuses.
• Communications: Information you provide when contacting customer support, submitting inquiries, or leaving testimonials/reviews.
• Stockist Applications: Business details submitted through the Stockist Portal, including business name, location, and contact information.

2.2 Information Collected Automatically

• Usage Data: Pages visited, time spent on site, links clicked, and referring/exit pages.
• Device Information: IP address, browser type, operating system, and device identifiers.
• Cookies and Tracking Technologies: Used to operate the website, remember preferences, and analyze site traffic (see Section 7).

2.3 Information from Third Parties

• Payment confirmation and transfer status data from Paystack.
• Information from members who refer you or place you within their team structure.

3. How We Use Your Information

We use the information we collect to:

• Create and manage your member or stockist account
• Process product orders, retail profit, and commission payments
• Calculate and disburse referral bonuses, matching bonuses, unilevel commissions, and rank/career path awards
• Verify your identity and prevent fraud
• Communicate with you about your account, transactions, promotions, and company updates
• Operate, maintain, and improve our website and services
• Comply with legal, tax, and regulatory obligations (including NAFDAC and CAC requirements where applicable)
• Respond to inquiries and provide customer support
• Send marketing communications, where you have consented to receive them

4. Legal Basis for Processing

Where applicable under the Nigeria Data Protection Act (NDPA) 2023, we process your personal data based on one or more of the following:

• Consent — where you have given clear permission (e.g., marketing communications)
• Contractual necessity — to fulfill our obligations to you as a member, customer, or stockist
• Legal obligation — to comply with applicable Nigerian laws and regulations
• Legitimate interest — to operate and improve our business, provided this does not override your rights

5. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Payment Processors: Paystack and other payment/transfer providers, to process payments, wallet funding, and payouts.
• Your Referral Network: Limited information (e.g., name, registration status, team placement) may be visible to your upline/downline as part of the binary/unilevel compensation structure.
• Service Providers: Third parties who help us operate our website, hosting, email delivery, or customer support, under confidentiality obligations.
• Regulatory and Government Authorities: Where required by law, including NAFDAC, CAC, tax authorities, or law enforcement.
• Business Transfers: In connection with a merger, acquisition, or sale of company assets, subject to this Policy or a comparable one.

6. Data Retention

We retain your personal information for as long as your account is active, and thereafter as necessary to comply with legal, tax, accounting, or regulatory requirements, resolve disputes, and enforce our agreements.

7. Cookies and Tracking Technologies

Our website uses cookies to:

• Keep you signed in
• Remember your preferences
• Understand site usage and improve performance

You can control or disable cookies through your browser settings. Disabling cookies may affect certain features of the website, such as staying logged in.

8. Data Security

We implement reasonable technical and organizational measures to protect your personal information, including secure storage and restricted access to sensitive data such as banking and payout details. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

9. Your Rights

Subject to applicable Nigerian data protection law, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Request deletion of your data, subject to legal and contractual retention requirements
• Withdraw consent for marketing communications at any time
• Object to or restrict certain processing of your data
• Lodge a complaint with the Nigeria Data Protection Commission (NDPC) if you believe your data has been mishandled

To exercise these rights, contact us at info@diohltd.com.

10. Children's Privacy

Our website and membership program are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected data from a minor without appropriate consent, we will take steps to delete it.

11. International Data Transfers

If your information is transferred or stored outside Nigeria (for example, through a third-party service provider's servers), we will take reasonable steps to ensure it receives an equivalent level of protection, in line with applicable data protection law.

12. Income and Earnings Disclaimer Reference

As noted throughout our website, income figures (including matching bonus illustrations and rank award amounts) are illustrative only and not guaranteed. This Privacy Policy governs how we handle your personal data and does not constitute a guarantee of earnings. Please refer to our full Earnings Disclaimer for more information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of our website after changes take effect constitutes acceptance of the revised Policy.

14. Contact Us

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