PRIVACY POLICY
Last Updated: June 22, 2026
Mercatum Faciunt Limited ("Mercatum Faciunt Limited", "tenexcel.™", "tenexcel.", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, disclose, and protect personal information when you access or use our websites, products, software applications, educational programs, research publications, communities, and related services, including:
Axiom
Provenance.
Provenance Institute of Artificial Intelligence
tenexcel. Institute of Thought Leadership (TITL)
Community forums, newsletters, and related digital services
By using our Services, you acknowledge that you have read and understood this Privacy Policy.
1. DATA CONTROLLER
The data controller responsible for your personal information is:
Mercatum Faciunt Limited
A6 Kabusa Gardens Estate
Abuja, Federal Capital Territory
Nigeria
Email: bigthinker@tenexcel.org
2. INFORMATION WE COLLECT
We collect information directly from users, automatically through our Services, and from third-party service providers.
Information You Provide
When creating an account, subscribing, participating in communities, purchasing courses, or using Axiom, we may collect:
Full name
Email address
Account credentials
Billing information
Subscription information
Uploaded documents and files
User-generated content
Forum posts and comments
Communications with our support team
Survey responses
Newsletter preferences
Information Collected Automatically
When you use our Services, we may automatically collect:
IP address
Device information
Browser information
Operating system
Location information
Usage statistics
Session information
Log files
Diagnostic information
Cookie data
Analytics information
Payment Information
Payments are processed through third-party payment providers including Paystack.
Mercatum Faciunt Limited does not store complete payment card information on its systems.
Payment information is governed by the privacy and security practices of the applicable payment processor.
3. AI AND PREDICTIVE INTELLIGENCE DATA PROCESSING
Axiom uses proprietary predictive intelligence systems and artificial intelligence technologies to generate productivity insights, recommendations, forecasts, and business intelligence outputs.
To provide these services, Axiom may process:
User prompts
Uploaded documents
Workspace data
User instructions
Contextual business information
AI-generated outputs are produced through automated systems and may involve processing by approved third-party artificial intelligence providers.
Encrypted Conversations
Axiom may store conversation histories and workspace interactions to support user functionality and continuity.
These conversations are encrypted.
Mercatum Faciunt Limited personnel do not routinely access encrypted user conversations and do not review user conversations for AI training purposes.
Access may only occur where required for:
Security investigations
Legal compliance
Abuse prevention
Technical troubleshooting authorized by the user
Protection of platform integrity
AI Training Commitment
Mercatum Faciunt Limited does not use customer prompts, uploaded documents, conversation histories, or generated outputs to train proprietary artificial intelligence models.
User data remains separate from model training activities.
Third-Party AI Providers
Certain AI functionality may be provided through third-party providers, including Google and affiliated artificial intelligence services.
When such providers process information on our behalf, they do so under their own contractual and privacy obligations.
4. HOW WE USE YOUR INFORMATION
We use personal information to:
Create and manage accounts
Deliver Axiom services
Process subscriptions and payments
Provide customer support
Improve platform performance
Conduct analytics and research
Maintain security and fraud prevention systems
Send service notifications
Deliver newsletters and marketing communications
Administer educational programs and courses
Operate community forums
Comply with legal obligations
Develop new features and services
5. LEGAL BASIS FOR PROCESSING
Where applicable, we process information based on:
User consent
Performance of a contract
Legitimate business interests
Compliance with legal obligations
Protection of vital interests
Establishment, exercise, or defense of legal claims
6. COOKIES AND ANALYTICS
We use cookies and similar technologies to improve functionality and understand how users interact with our Services.
These technologies may include:
Essential cookies
Security cookies
Preference cookies
Analytics cookies
Performance monitoring tools
We currently use:
Google Analytics
Vercel Analytics
These services help us understand user behavior, website performance, and platform usage trends.
Users may control cookies through browser settings, although certain functionality may be affected.
7. COMMUNITY FORUMS AND PUBLIC CONTENT
Our Services may include community forums, discussions, comments, and collaborative spaces.
Information voluntarily submitted to public areas may become visible to other users and may be publicly accessible.
Users should exercise caution before sharing personal, confidential, or sensitive information in public forums.
Mercatum Faciunt Limited is not responsible for information users voluntarily disclose in public community spaces.
8. DATA SHARING
We do not sell personal information.
We may share information with:
Service Providers
Including providers supporting:
Hosting infrastructure
Cloud storage
Analytics
Security
Customer support
Email delivery
Artificial intelligence processing
Payment processing
Legal Authorities
We may disclose information where required by:
Applicable law
Court order
Regulatory request
Law enforcement request
Protection of legal rights
Corporate Transactions
Information may be transferred in connection with:
Merger
Acquisition
Restructuring
Asset sale
Corporate reorganization
9. INTERNATIONAL DATA TRANSFERS
Our infrastructure may operate across multiple regions and cloud providers.
Personal information may be processed or stored outside Nigeria, including within Europe and other jurisdictions where our service providers operate.
We take reasonable measures to ensure appropriate safeguards are applied to international transfers.
10. DATA RETENTION
We retain information only as long as reasonably necessary to:
Provide Services
Maintain accounts
Fulfill contractual obligations
Comply with legal requirements
Resolve disputes
Enforce agreements
Retention periods may vary depending on the type of information involved.
When information is no longer required, it will be deleted, anonymized, or securely destroyed.
11. DATA SECURITY
We implement technical, organizational, and administrative safeguards designed to protect personal information.
Security measures may include:
Encryption
Access controls
Monitoring systems
Secure infrastructure
Authentication controls
Security reviews
No system can guarantee absolute security, and users acknowledge that transmission of information over the internet carries inherent risks.
12. USER RIGHTS
Subject to applicable law, users may request:
Access to personal information
Correction of inaccurate information
Deletion of personal information
Restriction of processing
Withdrawal of consent
Information regarding processing activities
Requests may be submitted to:
We may require identity verification before fulfilling requests.
13. CHILDREN'S PRIVACY
The Services are intended solely for individuals eighteen (18) years of age or older.
We do not knowingly collect personal information from children.
If we become aware that a minor has provided personal information, we may remove such information and terminate the associated account.
14. USER CONTENT OWNERSHIP
Users retain ownership of all documents, files, prompts, communications, outputs, and other content submitted through the Services.
Mercatum Faciunt Limited does not claim ownership of user content.
Users remain solely responsible for:
The legality of their content
Compliance with intellectual property laws
Compliance with regulatory obligations
Accuracy of information submitted
Users assume full responsibility and liability for content generated, uploaded, stored, or distributed through the Services.
15. BUSINESS INTELLIGENCE AND DECISION-MAKING DISCLAIMER
Axiom provides productivity assistance, predictive intelligence insights, business intelligence outputs, forecasts, and informational recommendations.
These outputs are generated through proprietary analytical and artificial intelligence systems.
The Services are intended solely to support decision-making and productivity.
The Services do not constitute:
Legal advice
Financial advice
Investment advice
Medical advice
Professional consulting services
Users remain solely responsible for evaluating recommendations and making independent business decisions.
Mercatum Faciunt Limited is not responsible for losses, damages, business outcomes, investment decisions, operational decisions, or strategic decisions arising from reliance on Axiom outputs.
16. CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time.
Material changes will be communicated through appropriate channels, including website notices or email notifications where appropriate.
Continued use of the Services after changes become effective constitutes acceptance of the updated Privacy Policy.
17. CONTACT INFORMATION
Questions regarding this Privacy Policy may be directed to:
Mercatum Faciunt Limited
A6 Kabusa Gardens Estate
Abuja, Federal Capital Territory
Nigeria
Email: bigthinker@tenexcel.org
Website: tenexcel.org