This Privacy Policy (Policy) together with our Terms of
Use and Loan Account
Agreement as set out at here and any additional terms of
use applies to your use of:
This Policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.
Please read the following carefully to understand our views and practices regarding how we will treat your personal data. By downloading the App, you confirm that you have read, understood and accept the terms of this Policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.
We may collect and process the following data about you.
i. Information you give us about you (Submitted information):
This may include:
This information may include your name, address, e-mail address and phone number, the Device's IP address number, age, username, password and other registration information, financial and credit information (including your mobile money account details, bank account details, and bank verification number, where applicable), personal description and photograph.
Each time you use our App, we may automatically collect the following information:
We also use GPS technology OR other location services to determine your current location. You can withdraw your consent to our collection, processing or use of this information at any time by logging out and uninstalling the App from your Device.
Due to the nature of the Services which we provide, we are required to work with a number of third parties (including credit reference agencies and mobile network providers) and we may receive information about you from them.
When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.
We may use mobile tracking technologies and cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our Service Sites.
We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined.
We may disclose some or all of the data we collect from you when you download or use the App to credit reference bureaus.
To assess your eligibility, determine the best offer for you and disburse your loan faster, we would need the following permissions from you.
Regarding all the collected information, we will store it with high level protection in accordance with the data protection laws in Nigeria
How do we use your data? We collect certain data to be able to provide the Service to you. We also collect data for use in verifying your identity and creating credit scoring models to determine what Loans can be offered to you. We also use this data for purposes of collections and credit reporting.
When you register for the Service, we will collect your bank number and telephone number and may also collect your name, age, email address or other contact information. With this information, we cross-check your identity with third parties including the person you have provided as your emergency contact. We will also collect data from your device for our credit scoring system. This includes information relating to your device, such as device maker and model, operating system, installed software applications, and the unique user identifier. We also collect your email and phone-book contacts and information related to device activity such as SMS logs and GPS location information. To supplement this information, we also collect data from third parties such as credit bureaus and other financial institutions.
By enabling access to Contacts, Calender, Registered Accounts which might include Social Accounts, Storage Information, (Only if correspondent module is used) and Installed Applications, we will collect data to better evaluate your loan application. This information is only accessed once, collected in the form of metadata, is shared and used by credolab only to calculate a more accurate credit score.
By registering for the Service, you authorize the collection and processing of the foregoing data.
We will ensure that your data is protected to a strict standard.
We may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries.
We may disclose your personal information to third parties:
We will process (collect, store and use) the information you provide in a manner compatible with the Nigeria Data Protection Regulation (NDPR). We review our data collection, storage and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services.
We only processes personal information for the purposes as described in our Privacy Policy and/or the supplementary privacy notices for specific services. In addition to the above, such purposes include:
We process personal information by referring to the supplementary privacy notices for particular services.
We collects your personal data in order to provide you with the required loan service. When you sign up for any of the loan products (on line or other service that requires registration, personal information such as your name, email address and account password are required. We use the information you submit under your account to provide you customer centric service. We are committed to ensuring that the information we collect are used appropriately for the purpose they were collected, and does not constitute an invasion of your privacy.
In terms of being contacted for marketing purposes We shall contact you for additional consent.
We will use your personal information based on some legal basis (a valid legal reason). Our legal basis will be one of the following:
You can decide not to disclose any of your information to us but keep in mind that some information may be needed to register with us or take advantage of some features of our products or services.
You have the right to ask us not to process your personal data for marketing purposes and to withdraw your consent at any time. Please note that the withdrawal of your consent will not affect the lawful processing of data which we have obtained based on your previous consent. We will usually inform you (before collecting your data) if we intend to use your data for the aforementioned purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.
You can also opt-out of receiving certain promotional or marketing communications from us at any time by using the unsubscribe link in the emails communications we send, or by filling out any request form we set in place. Please note that if you have an account with us and you opt out of receiving promotional and marketing related communications from us, we may continue to send you non-promotional communications, e.g. service-related emails.
In case you like to access, review, update, rectify, and delete any Personal Information we hold about you, or exercise any other data subject right available to you under the EU General Data Protection Regulation (GDPR), including the right to request a copy of standard contractual clauses, you can send us an email to DPO, e.g. dpo@libertyng.com. Our privacy team will inspect your request and revert back as soon as possible. Please note that we may still use any Personal Information that does not identify any individual and may also retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our Agreements.
We also want you to know that you have a right to lodge a complaint with a supervisory authority (e.g. Nigeria Data Protection Bureau (NDPB)) should you feel unsatisfied with our treatment of your Personal Information.
When you use our website, cookies are used to distinguish you from other users of our website. In this way, we provide you with a good experience when you browse our website and also allows us to improve our site. By visiting our website, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this Privacy Policy.
Your personal information shall only be shared with other companies or individuals in the following limited circumstances:
Information that we collect may be stored, processed in, and transferred between any of the countries in which we operate, in order to enable us to use the information in accordance with this policy. Any such information transferred to other countries shall be in compliance with the Act and the Regulations of NDPR.
We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary, but we depend on our users to update or correct their personal information whenever necessary. We is required to retain information it collects from you in accordance with the law, such as, information needed for audit purposes, information needed for review purposes, information needed for legal purposes, etc. How long certain kind of personal data should be kept may also be governed by specific business-sector requirements and agreed practices. Personal data may be held in addition to these periods depending on individual business needs
We on your request, can confirm what information we hold about you and how it is processed. If we hold personal data about you, you can request the following information:
The data that we collect from you may be transferred to and stored at a destination outside your country of origin or residence (as applicable) where the data protection laws may differ from those in your jurisdiction. It may also be processed by staff operating outside your country of origin or residence (as applicable), who work for us or for one of our suppliers. These staff members may be engaged in the fulfillment of your requests on the Service Sites. By submitting your personal data, you agree to the collection, transfer, storing or processing of your personal data in the manner set out above. We will take all steps reasonably necessary to ensure that your data is treated, stored and processed securely and in accordance with this Policy.
We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy and no transfer of your data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Notwithstanding the undertaking above, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, using global best practices, we cannot guarantee the security of your data transmitted to Our Service Sites; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. If you do share your password with others, you will be responsible for all actions taken in the name of your account and the consequences.
If you lose control of your password, you may lose substantial control over your personal information and other information submitted to us. You could also be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason or if you have grounds to believe that your password has been compromised, you should immediately contact us and change your password. You are reminded to log off from your account and close the browser when finished while using a shared computer.
You have the following privacy rights:
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child or children have provided us with personal data, please contact us at support@libertyng.com. If we become aware that we have collected personal data from children without verification of parental consent, we shall take steps to remove that information from our servers.
The App may provide hypertext links to other sites operated by other people. Using such a link means you are leaving the App. We take no responsibility for, and gives no warranties, endorsements, guarantees or representations in respect of, linked sites. We are not responsible for the privacy practices, nor do we accept any liability in connection with the content of, such websites or applications, which will in some cases have their own privacy policies tailored for the particular business practices in which they operate. Any concerns regarding any external link should be directed to its website or app administrator.
Any changes we may make to this Policy ln the future will be posted on this page and, where appropriate, notified to you when you next start the App or log onto one of the Service Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services. In any event, by continuing to use the App or any Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.
Contact us by sending an e-mail to support@libertyng.com if you have any questions about this Policy
27, Alara Street, Off Commercial Avenue, Off Herbert Macaulay Street, Sabo-Yaba, Lagos State.
hello@libertyng.com
+234 1270 6255
LibertyCredi is a product of LibertyPay Limited. Licensed as a Money Lender by the Lagos State Government of Nigeria.