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.
Each time you use our App, we may automatically collect the following information:
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 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:
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.
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.