PRIVACY POLICY

4.1.1 To provide you with access to device financing, solar credit, protection plans, payday loans, and other products

4.1.2 To process applications, verify your identity, assess eligibility, and administer billing or repayments

4.2.1 To respond to enquiries, requests, complaints, or feedback

4.2.2 To send transactional messages, service updates, or account notifications

4.2.3 To manage your profile, preferences, or user settings

4.3.1 To comply with legal, regulatory, or contractual obligations

4.3.2 To enforce agreements and mitigate fraud, misuse, theft, or default

4.3.3 To conduct background checks, identity verification, and KYC/AML screening where applicable

4.4.1 To provide offers, surveys, promotions, or campaigns (with your consent, where required)

4.4.2 To personalise communications and recommend relevant products

4.4.3 To analyse usage trends, audience segments, and improve engagement

4.5.1 To assess platform performance and usage trends

4.5.2 To detect and fix bugs, security issues, or performance gaps

4.5.3 To develop, test, or refine new products, services, or platform features

5.1.1 Payment processors, banks, and financial institutions involved in loan disbursement or repayment

5.1.2 Credit bureaus, verification services, and risk assessment providers

5.1.3 Device vendors, telecom providers, and logistics partners for delivery or activation

5.1.4 Insurance companies and claims processors for protection plans

5.2.1 Government agencies, law enforcement bodies, courts, or regulators in accordance with legal or regulatory requirements

5.2.2 When responding to lawful requests, subpoenas, or court orders

5.3.1 Our authorised agents, subsidiaries, or affiliates that support the delivery of our Services

5.3.2 In the event of a merger, acquisition, restructuring, or sale of assets, where user data may be transferred as part of the transaction

5.4.1 Cloud hosting and IT infrastructure partners

5.4.2 Data analytics, marketing, and communications platforms (subject to applicable consent)

5.4.3 Fraud detection, security monitoring, or recovery service providers

6.1.1 Your data is stored securely on servers located within Nigeria or in jurisdictions that offer adequate data protection, subject to applicable legal safeguards. In some cases, we may use cloud-based infrastructure that complies with international security certifications and legal requirements for data transfer.

6.2.1 Access control and user authentication

6.2.2 Data encryption at rest and in transit

6.2.3 Firewall and intrusion detection systems

6.2.4 Regular system monitoring, vulnerability scanning, and auditing

6.2.5 Physical security for on-premise infrastructure and devices

6.3.1 We retain your personal data only for as long as is necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying legal, regulatory, tax, accounting, or reporting requirements. In some circumstances, we may retain your data for longer periods if required by law or for the establishment, exercise, or defence of legal claims.

6.3.2 Where data is no longer needed, we securely delete or anonymise it in accordance with our data retention policy.

7.1.1 Our Services use cookies and similar technologies (e.g. web beacons, device identifiers) to improve functionality, analyse traffic, personalise content, and enhance user experience.

7.2.1 Cookies may be placed by us or by authorised third parties (e.g. analytics providers). These may include:

7.2.2 Strictly necessary cookies -- for site security and functionality

7.2.3 Performance cookies -- for analytics and traffic monitoring

7.2.4 Functional cookies -- to remember preferences

7.2.5 Advertising cookies -- to deliver targeted content, where applicable

7.3.1 By using our Services, you consent to the placement and use of these cookies, subject to your preferences. You may control or delete cookies through your browser settings or by using opt-out tools where available.