PRIVACY POLICY

Quickcrd Nigeria LTD

Effective Date: 10/01/2025

1. Introduction

   This Privacy Policy applies to all information collected and processed by Quickcred Nigeria LTD (“Quickcred”), a Nigerian credit card processing company. By using Quickcred, you consent to the collection, use, disclosure, storage, and protection of this information.

   By using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please refrain from using our Services.

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2. Information We Collect

   We collect the following types of personal and financial information:

   2.1. Personal Information

   • Full Name
   • Contact Details (Phone Number, Email Address)
   • Date of Birth
   • Residential and Work Address
   • Government-Issued Identification (BVN and NIN)

   2.2. Financial Information

   • Bank Account Details
   • Credit History
   • Employment and Income Details
   • Loan Repayment Behavior

   2.3. Device and Usage Information

   • IP Address
   • Device ID and Type
   • Geolocation Data
   • App and Website Usage Statistics
   • Browser and Operating System Details

   2.4. Communications and Support Data

   • Customer Service Requests
   • Call, Email, and Chat Correspondence
   • Feedback and Survey Responses

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3. How We Use Your Information

   We use your information for the following purposes:

   • Loan Processing: Assess eligibility, process applications, and manage loan disbursement and repayment.
   • Identity Verification and Security: Confirm your identity and prevent fraud.
   • Customer Support: Respond to inquiries and resolve issues.
   • Regulatory Compliance: Adhere to legal and financial regulations.
   • Marketing and Promotions: Provide you with personalized loan offers and updates (with your consent).
   • Service Improvement: Enhance user experience through analytics and performance monitoring.

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4. How We Share Your Information

   We may share your information with:

   • Financial Institutions & Credit Bureaus: For credit assessment and reporting.
   • Regulatory Authorities: To comply with legal obligations.
   • Service Providers & Partners: For payment processing, fraud prevention, and analytics.
   • Debt Recovery Agencies: In cases of loan default.
   • Legal & Compliance Entities: As required by law or in response to lawful requests.

   We do not sell or rent your personal information to third parties for marketing purposes.

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5. Data Security

   We implement industry-standard security measures to protect your personal and financial data, including:

   • Encryption: Secure transmission and storage of sensitive information.
   • Access Controls: Restricted data access to authorized personnel only.
   • Regular Security Audits: Monitoring for vulnerabilities and threats.

   Despite our efforts, no system is 100% secure. You are responsible for keeping your login credentials confidential.

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6. Your Rights and Choices

   You have the right to:

   • Access: Request a copy of your personal data.
   • Correction: Update inaccurate or incomplete information.
   • Deletion: Request the removal of your data, subject to legal and contractual obligations.
   • Opt-Out: Withdraw consent for marketing communications.
   • Data Portability: Obtain your data in a structured format where applicable.

   To exercise your rights, contact us at [email protected]

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7. Data Retention

   We retain your data for as long as necessary to fulfill our contractual and legal obligations. When no longer required, we securely delete or anonymize your information.

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8. Third-Party Links & Services

   Our Services may contain links to third-party websites or services. We are not responsible for their privacy practices. Please review their policies before providing any information.

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9. Children's Privacy

   Our Services are not intended for individuals under the age of 18. We do not knowingly collect information from minors. If we discover that a minor has provided us with personal data, we will take steps to delete it.

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10. Updates to This Privacy Policy

    We may update this Privacy Policy from time to time. Any changes will be posted with a revised "Effective Date." We encourage you to review this policy periodically.

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11. Contact Us

    If you have any questions about this Privacy Policy or how we handle your data, please contact us:

    • Quickcrd Nigeria LTD
    • Email:[email protected]
    • Address: 2 Allen Avenue Ikeja Lagos

    By using our Services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.