CreditNigeria.com | Privacy statement

Privacy statement

This Privacy Policy is designed to help you understand what information we gather about you, what we use that information for, and with whom we share that information. It also sets out your rights in relation to your information and whom you may contact for more information or queries.

To whom this Privacy Policy applies and what it covers 

This Privacy Policy applies to Credit Nigeria. Credit Nigeria recognizes the importance of protecting your personal and financial information and is committed to doing this. This Privacy Policy sets out how we collect, handle, store and protect information about you when: 

This Privacy Policy also contains information about when we share your personal information with third parties (for example, our service providers and credit reference agencies). In this Privacy Policy, we may sometime collectively refer to handling, collecting, protecting and storing your personal information as “processing” such personal information.

Who we are

Our website address is https://creditnigeria.com and https://credit-nigeria.com

Other websites

Please note that other websites that may be linked to this Website/App are not governed by this Privacy Policy. We encourage visitors to review the Privacy Policy on each of these other websites before disclosing any personal information. 

What information we collect 

In the course of providing products or services to you or our client and performing due diligence checks in connection with our products or services (or discussing the possible products or services we might provide), we generally collect personal information about you.  We also typically collect personal information about you when you visit or use our Website. 

We typically collect or obtain your personal information because you give it to us (for example, in a form on our Website) or because other people give that information to us (for example, third-party service providers that we use to help operate our Website). We may also collect or obtain personal information from you because we observe or infer that information about you from the way you interact with us. In order to improve your experience when you use this Website and to ensure that it is functioning effectively, we (or our service providers) also use cookies (small text files stored in a user’s browser) and web beacons (small graphic images that are placed on a website and used to monitor a user’s interaction with that website) which may collect personal information.

Additional information on how we use cookies and other tracking technologies and how you can control these can be found in our Cookies Policy, which is included at the end of this document. 

The personal information that we may collect depends on the specific services, activities or products we undertake but typically includes: your name; age; date of birth; gender; home address; email address; telephone number; other contact details; country of residence; passport number and other national ID numbers; employment details (for example, the organization you work for, your job title); family circumstances (for example, your marital status where you enter it in a form on our Website or it appears in any documentation you provide to us); financial information (for example, your income, where you enter such information in a form on our Website or it appears in any documentation that you provide to us); details of how you use any product or service provided by Credit Nigeria; postings on any blogs, forums, wikis, and any other social media applications and services that we provide; IP address; browser and device type; user name that is used by you for one of our products or services; language; access times and duration; details of how you like to use our Website or the interactive products, tools, other technology or services we provide to you or our clients; websites that you visited before and after visiting our Website; details of how you like to interact with us, and similar information. 

The types of personal information and ‘sensitive’ or ‘special categories’ of personal information that we collect will generally vary depending on the nature of the products and services that we provide to you and how you use our Website.  In some cases, the ‘sensitive’ or ‘special categories’ of personal information that we collect may include information is collected as part of KYC and anti-money laundering checks that we must conduct before accepting you as a customer. 

In some rare circumstances, we will also gather other ‘special categories’ of personal information about you because you volunteer that data to us (for example, it appears in a copy of your resume/CV that you upload to our Website).  In some other circumstances, the personal information we collect from you is needed to meet our legal or regulatory obligations or to provide you with the products or services requested by you. 

In some cases, we may also collect personal information about you indirectly from third parties such as: (i) your employer; (ii) third parties such as providers of ‘know your client’ and anti-money laundering services which we sometimes use to help us meet our legal requirements in this area and to help us verify your identity where we provide you with products or services; (iii) background check providers which we sometimes use to verify your identity when you apply for a product of ours; and (iv) third-party service providers that help us to operate our Website.

How we use information about you 

Use of personal information to provide products and services 

We will use your personal information to provide you with products or services. As part of this, we may use your personal information in the course of correspondence relating to those products or services.  Such correspondence may be with you, our customers, our service providers or public or judicial authorities with the necessary authorisation. 

In many cases, we also use your personal information to conduct due diligence checks in advance of providing products or services to you and to process an application from you or a prospective client to receive products or services from us. If you are referred to us by an intermediary or similar third party, we also typically use your personal information to assess whether to accept or reject your referral to Credit Nigeria by that intermediary or similar third party.

Use of personal information collected via our Website

We generally use your personal information collected via this Website: 

Use of personal information for other activities that form part of the operation of our business

We generally also use your personal information collected via this Website for the purposes of, or in connection with: 

The legal grounds we rely on for processing personal information

We are required by law to set out in this Privacy Policy the legal grounds on which we rely in order to process your personal information.

We generally use your personal information for the purposes outlined above because: (a) it is necessary for our legitimate interests and does not unduly affect your interests or fundamental rights and freedoms; (b) it is necessary for legal and/or regulatory obligations or requests that we are subject to, such as keeping records in accordance with applicable regulations or providing information to a public body or law enforcement agency; (c) it is necessary to perform contractual obligations that we owe towards you, or to take pre-contractual steps at the request of you; (d) in some cases, we have obtained your prior consent.

To the extent that we process any sensitive personal information relating to you for any of the purposes outlined above, we will do so because either: (1) you have given us your explicit consent to process that information; (2) the processing is necessary for reasons of substantial public interest on the basis of applicable law (for example where we are required by law or regulatory requirements to process that information in order to ensure we meet our KYC and ‘anti-money laundering’ obligations); or (3) the processing is necessary for the establishment, exercise or defence of legal claims. The legal grounds for processing sensitive personal information outlined above are contained in the EU’s General Data Protection Regulation.

If you do not want to continue receiving any marketing materials from us, you may communicate this to us via recommended options.

To whom we disclose your information 

We generally disclose details about you to professional advisors and third parties that provide services to us (such as lenders, banks, IT systems providers, platform providers, financial advisors, consultants including lawyers and accountants) and other goods and services providers (such as providers of marketing services where we are permitted to disclose your personal information to them); competent authorities (including any national and/or international regulatory or enforcement body or court or other forms of tribunal, where we are required to do so by applicable law or regulation at their request); a potential buyer, transferee, merger partner or seller and their advisers in connection with any actual or potential transfer or merger of part or all of Credit Nigeria’s business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it; credit reference agencies or other organizations that help us detect criminal activity and incidence of fraud; and any federal, state or local government departments and other statutory or public bodies.

How long we keep your personal information 

We will hold your personal information on Credit Nigeria’s systems for as long as is necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements. 

Protection of your personal information 

We use a range of physical, electronic and managerial measures to ensure that we keep your personal information secure, accurate and up to date. These measures include:

Although we use appropriate security measures once we have received your personal information, the transmission of data over the internet (including by e-mail) is never completely secure.  We endeavour to protect personal information, but we cannot guarantee the security of data transmitted to us or by us.

Your rights and how to contact us

You have various rights in relation to your personal information. In particular, you have a right to:

To exercise any of your rights, or if you have any other questions about our use of your personal information, please e-mail info@creditnigeria.com. You may also use these contact details if you wish to make a complaint to us relating to your privacy. 

If you are unhappy with the way we handled your personal information or any privacy query or request that you have raised with us, you also have a right to complain to a data protection regulator in the place where you live or work, or in the place where you think an issue in relation to your data has arisen.  A list of national data protection regulators can be found here:http://ec.europa.eu/justice/dataprotection/bodies/authorities/index_en.html

Cookies Policy 

We use cookies on our Website in order to improve user experience. We will assume you agree to accept the cookies that we use on our Website if you do not disable or opt out of them as described below. 

What are cookies? 

Cookies are small text files. They are commonly downloaded to your computer or mobile device by websites that you visit. They enable the website to tag your device and recognize it as you move around the site (and potentially when you return at a later date) so that, for example, you do not have to re-enter your password each time you move between pages of the website. 

Can I turn off cookies? 

If you do not wish to receive cookies, you can set your web browser to disable cookies. As explained above, cookies help you to get the most out of our Website. If you decide to disable cookies, you may find that certain aspects of our Website do not work as expected. 

Changes to our Privacy Policy 

This Privacy Policy may be updated from time to time for any reason.

The Privacy Policy was last updated on 29 March 2020.