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Privacy policy

Our commitment tocustomer privacy 


A. Commitment to your privacy

Zowasel Inc. (“we,” “our” or “us”) recognize/s that your privacy is very important to you and we are committed to protecting your (“your,” “you’) Personal Data.


“Personal Data” means any information relating to an identified or identifiable natural person; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.


Zowasel, which is connecting crop sellers with buyers offers bid to growers through Zowasel Marketplace to purchase quantities of the crop that meet certain quality specifications, as more fully described in your Zowasel Marketplace Agreement or Zowasel Standard Quality Crop Specification (“Zowasel Marketplace”).


This privacy policy (the “Privacy Policy”) applies to Personal Data we receive and handle about participants in connection with:

  • Your use of this website and mobile applications (each, the “Site”);

  • Participation in Zowasel Marketplace;

  • Communication-related to Zowasel Marketplace;

  • Participation in the Zowasel services of binding contract offers and acceptances, market data, price information, messaging;

  • Offers of Zowasel Marketplace of crops;

  • Offers of Zowasel Transport of crops;

  • Offers of Zowasel Finance of crops;

  • Offers of Zowasel Certified Crops;

  • Grower offers;

  • Use of information to improve the flow of the transaction;

  • Market data;

  • Ability to connect with Zowasel representatives or grain market Trustees, Facilitators;

  • Use of the APIs, SMS, USSD, and other platforms through which Zowasel makes the Services (as defined below) available.


“Systems” are any of the existing and future electronic systems, APIs, USSD, SMS platforms, and other platforms through which Zowasel and its affiliates make the Services available to you. “Services” are any of the existing and future services offered by Zowasel or its affiliates and any content including, without limitation, USSD and SMS-based preliminary indications, indication acceptances, binding contract offers and acceptances, market data, price information, connectivity, contract confirmation, and messaging.


By participating in the Zowasel Marketplace or accessing our Sites, Systems and/or Services (collectively, the “Marketplace Platform”), you agree to be bound by the terms of this Privacy Policy.


This policy also includes our credit reporting policy, that is, it additionally covers how we manage your Personal Data collected in connection with a credit application, such as details relating to your credit history, credit standing, credit capacity, and creditworthiness (“credit information”).

A separate policy applies to the collection and use of Personal Data of Zowasel employees, contractors, and other staff. 


B. The kinds of information that we process

The kinds of Personal Data we collect and process, by or on behalf of us, may include:

Contact Information: such as your name, home or business address, email address, telephone number,

Personal Details Information: such as your name, date of birth, employer, profession, and job title. 

Technical Information:  such as technical data collected about your interaction with our websites, mobile applications and email communications including IP address; log files; unique device identifiers; pages viewed; date and time of access; content of request; username; password; usage data; device type; browser type and settings; language settings; aggregate statistical information; the transferred volume of data; and website requesting access.    

Marketing Data: such as cookie data; browsing history; advertising interests; responses to direct marketing and opt-outs from direct marketing. 

Grower Data: such as grower offers; transport offers; crop data; agronomic data; land data; satellite imagery data, and grower management data. 

Financial Information: such as payment information; bank details; card details; purchase interests and purchase history.

Credit Information: If applicable, as based upon your participation in Zowasel Marketplace, we may collect credit information. By applying for our services, you agree that we may obtain this credit information from you or from a credit reporting body. This information may include:

  • Default information;

  • Credit infringement information;

  • Personal solvency information (e.g. bankruptcy information);

  • Court proceedings information (e.g. any default judgments entered against you); and

  • Repayment history information.

You can choose not to provide your Personal Data to us, but generally, the information we request from you is required in order for us to provide you the goods and services we offer.


C. How we collect Personal Data

Generally, we collect Personal Data from:

Direct Interactions: such as when you contact us, inquire about our product or services, provide us with information in connection with our services, participate in surveys or questionnaires,  

Mobile Applications: such as when you download or use one of our apps.  Some apps may have specific privacy statements that include more specific information that you should review. 

Cookies and Automated Technologies: such as when you visit or interact with our Site(s) or click on links on emails. 

Public Sources: such as when we need to collect Personal Data from publicly available sources including, land registries and government agencies. 

Social Media: such as Personal Data that you make available by linking to social media platforms using social media plug-ins, or your social media profile(s). 

Technologies:  such as when you use or receive any service offerings that include, any agronomic, data recording, mapping or satellite technologies, USSD SMS, etc.

Partners: such as when you provide Personal Data to an authorized Zowasel partner, distributor, or reseller. 

Private Third-Party Sources: such as when third parties provide information to us. 


D. Cookies

With regard to Marketplace Platform use, components of our Marketplace Platform may use “cookies” (these are files that are implanted in your hard drive by some websites to store information about your web use patterns) to enhance or personalize our Marketplace Platform.  Cookies allow for the collection information such as:

  • browser type;

  • time spent on the Site;

  • pages visited;

  • language preferences

These cookies may also be used to collect and store information about your usage of certain components of our Marketplace Platform.  We or our service providers may, in any case, collect anonymous information that allows us to review information about the date, time and duration of visits to our components of our Marketplace Platform without identifying you.

Pixel tags, web beacons, clear GIFs, or other similar technologies may be used in connection with our Marketplace Platform to track the way you use our Marketplace Platform and to compile statistics about site usage and response rates. This information is generally automatically provided to us by your web browser.


You may choose to refuse cookies by turning them off in the browser; however, if you do not accept them, you may experience some difficulty in your use of certain components of our Marketplace Platform.

We may use cookies to:

  • Improve the functionality of our Site;

  • Process your purchase orders;

  • Display information more effectively;

  • Personalize your experience while using our Site;

  • Gather information about how our Site is used and compile anonymous and aggregate statistics.


E. How we use Personal Data

The primary purpose(s) we collect your Personal Data is to:

  • enable the creation of bids and offers in Zowasel Marketplace;

  • enable the availability of purchase orders, prices and bid offers

  • enable crop sampling, including crop quality and specifications;

  • verify your identity;

  • respond to your queries;

  • maintain our relationship with you;

  • provide our products and services to you;

  • send you statements and invoices;

  • collect payments from you;

  • provide payments to you

  • provide you with information about our products and services;

  • update you on changes to our Marketplace Platform terms, conditions, policies and other administrative information;

  • conduct research for our own internal purposes;

  • request credit information from a credit-reporting body;

  • send you communications and contact you about our goods and services, programs, events, campaigns, functions or news updates that may be relevant or of interest to you;

  • administering, maintaining, and monitoring Site performance and usage.

You agree that we may use your Personal Data for any of these purposes.


F. Legal basis for Processing Personal Data

The legal basis for processing your Personal Data in connection with the purposes may, depending on the circumstances, rely on any of the following legal bases:

  • The processing is necessary for connection with a contract entered into with you, or for your benefit;

  • We or a partner has obtained your prior written consent to the processing;

  • The processing is required by all laws, statutes or regulations applicable to the respective Zowasel affiliate(s);

  • We have a legitimate interest in carrying out the processing (including our legitimate interest in providing good and services to you, maintaining or improving our products or services, operating our business, alerting you to other products or services that may be of interest to you) and there is no undue risk to your right, freedoms or interests;

  • The processing is necessary to protect the vital interests of any individual;

  • Any other lawful basis.


G. How we use credit information

To the extent applicable for your participation in Zowasel Marketplace, we use the credit information that we obtain from you or a credit reporting body and information we derive from such information strictly for the purpose of assessing your application for credit. If you do not authorize us to obtain credit information about you, we may be unable to assess your creditworthiness and therefore your suitability for our prepayment under our model agreement. In such circumstances, your request for credit may be refused.


To the extent applicable for your participation in Zowasel Marketplace, we may disclose your Personal Data to credit reporting bodies where we are permitted to do so by law, for example, in circumstances where you fail to meet your payment obligations in relation to consumer credit. These credit reporting bodies may include any such information in reports provided to other credit providers to assist them to assess your creditworthiness.


H. The circumstances in which we may disclose Personal Data

So that we may use your information for the purposes identified above, we may disclose it to external providers of services, for example, entities providing crop analysis, providers of security, marketing, financial credit, and IT services. We may also outsource certain functions of our business.

We may disclose Personal Data to related entities and you may receive communications directly from these entities. These communications may include information and marketing communications about their products and services.  We use reasonable endeavors to ensure that these companies do not breach any U.S. laws, however, we disclaim all liability for any unlawful use of your Personal Data by an affiliated or associated company.


We may disclose your Personal Data to the extent that we are required to do so by law, including in connection with any legal proceedings, anticipated legal proceedings or regulatory administrative matters, or in order to comply with any legal obligation or to establish, exercise or defend our legal rights.  We may sell, transfer, or otherwise disclose our database of Personal Data to an actual or potential successor entity, purchaser, or investor in connection with a corporate merger, consolidation, sale of our assets or a substantial part of our assets, share sale, investment transaction or another corporate rearrangement.

We may disclose your Personal Data to a prospective seller or buyer in the event that we sell, merge, or transfer all or a portion of our business or assets. 

If you make a payment via one of our Sites or one of our apps or directly to us or one of our dealers your Personal Data may need to be provided to third parties for the purpose of processing such payments.

You agree that we may disclose your Personal Data in any of these circumstances. We disclaim all liability for any privacy breaches by third parties to whom we have disclosed your Personal Data in accordance with this policy.

Zowasel will assure that any third-party service provider that Zowasel shares or discloses information with will legally be required to provide the same or equal protection of user data as provided by Zowasel.

You may withdraw your consent to use or disclose your Personal Data at any time. To withdraw this consent please contact us at the details below. Please note that withdrawing your consent may mean that we are unable to provide you with any services.


I. International Transfer of Personal Data 

Personal Data that we collect may be transferred and stored in a jurisdiction other than the jurisdiction in which your Personal Data was originally collected and transferred between any of the countries in which we, our related entities or our service providers or international distributors operate.  We do not take any responsibility for the actions of overseas third-party recipients of personal information.  It is not practicable to specify all the countries in which overseas recipients may be located. Your Personal Data may also be transferred to an entity located overseas.


Your Personal Data may be transferred overseas if we sell, transfer, or disclose our database of Personal Data to an actual or potential successor entity, purchaser, or investor who is located or has offices overseas. It is not practicable to specify the likely countries in which recipients of information may be located in this regard.

These transfers of Personal Data are necessary in order to provide our products and services to you in an effective and efficient manner.  The Personal Data will be transferred for the operation of any Site(s) or in connection with any of the processing purposes set forth in this Privacy Policy.   


J. Security of your Personal Data

Once in our possession, we take all reasonable precautions to protect the personal and credit information we hold about you from misuse, interference, and loss, and unauthorized access, modification, or disclosure.

Whilst we endeavor to provide a secure online environment, there are inherent risks associated with the transmission of information via the internet and no data transmission over the internet can be guaranteed to be completely secure. We, therefore, cannot warrant the security of any information you provide to us over the internet and you do so at your own risk.

We encourage you to play an important role in keeping your Personal Data secure, by maintaining the confidentiality of any passwords and account details used on our Marketplace Platform.  It is your sole responsibility to maintain such confidentiality and we will not be liable for any damage, loss, or expense suffered due to such disclosure.

Zowasel processes Personal Data in a manner that ensures appropriate security of the personal information, including protection against unauthorized or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organizational measures. Additionally:

  • Zowasel has imposed disciplinary measures for violations of the comprehensive information security program rules;

  • Zowasel performs regular monitoring to determine if the information security program is operating in a manner to prevent unauthorized access to or unauthorized use of personal information.


K. Third parties

With regard to your use of certain components of the Marketplace Platform, certain components of our Marketplace Platform may contain links to third-party websites and social media features that are hosted by a third party. Links to other websites do not constitute sponsorship, endorsement, or approval of the information found on those websites.  You should evaluate the accuracy, relevance, and suitability for your purposes of any such information.  We are not responsible for the privacy policies or practices of third party websites, and your interactions with any social media features are governed by the privacy policies and practices of the hosting entities.


L.  Access to and correction of your information

We aim to ensure that your personal and credit information is accurate, complete, and up to date. To assist us, please contact us via the details below if any of your details provided have changed or if you believe that the information we hold is inaccurate.

You may request us to provide you with access to the personal or credit information we hold about you at any time. We will respond to your access request as soon as possible, however, prior to disclosing any such information it may be necessary for you to satisfactorily verify your identity.

There are exceptional circumstances where access to or correction of your personal or credit information may be refused by us such as where access would be unlawful. We will advise you of such circumstances if they arise.


M. How You Can Manage Your Privacy

You may limit the collection of certain website information by deleting or disabling cookies. Most computers' Internet browsers enable you to erase stored cookies, block all cookies, or receive a warning before a cookie is stored. Disabling cookies may prevent you from using specific features on the Site or other websites, such as ordering products or services and maintaining an online account.

Please note that many opt outs use browser cookies or device controls and are specific to the device, or browser, you are using. If you buy a new computer, change web browsers or devices, or delete the cookies on your computer, you may need to opt-out again.


N. Privacy of Children

We do not knowingly intend to collect information from or direct Zowasel services to children age 16 and under.  If Zowasel learns that information has been received from a child under 16, then Zowasel will delete such information.


O. Retention of Information

Zowasel Inc. retains Your Personal Data only for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or allowed by law or to otherwise fulfill a legal obligation.  For the purpose of business continuity, Zowasel backs up your data within the Zowasel infrastructure.  As soon as these retention periods are complete, the data will be deleted or properly anonymized in order that you may no longer be identified from it. 


P.  Marketing

Zowasel may contact you by email, text, or via other electronic communication to provide You with marketing materials about Zowasel products or services that may be of interest to You. If you do not wish to receive such communications, you may follow the unsubscribe options provided in such marketing communications.


Q. Privacy Policy Updates

From time to time, we may change and post revisions to this Privacy Policy and such changes to this Privacy Policy will become effective upon the posting of the revised Privacy Policy on the Site. Your use of the Site following these changes means that You accept the revised Privacy Policy.



R. Contact Us

If you have any questions or complaints about this Privacy Policy or our treatment of your personal or credit information, or if you would like to access or amend your personal information, please contact us:

Email address: 

This policy will be reviewed from time to time to take account of new laws and/or changes to our operations.  Any information we hold about you will be governed by our most current policy. We recommend that you periodically review this policy for any changes. 

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