Privacy Policy

At Naira Loan ("we", "our", "us"), your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website and related services (the "Service").

1. Information We Collect

We may collect the following types of information:

a. Personal Information

Full name
Email address
Phone number
Home and work address
Bank Verification Number (BVN)
Employment details
Bank account details

b. Financial and Credit Data

Income and expenses
Loan repayment records

c. Device & Usage Information

IP address
Device type and operating system
Browser type
Pages visited and usage patterns

2. How We Use Your Information

We use your data to:

Evaluate your loan eligibility and process applications
Provide customer support
Improve our services and user experience
Comply with legal and regulatory requirements
Send transactional and promotional communications (if you opt in)

3. Data Sharing and Disclosure

We may share your information with:

Affiliated financial institutions for loan disbursement and repayment
Regulatory bodies to comply with applicable laws
Third-party service providers that support our operations (e.g., data storage, customer verification)

We do not sell your personal information to third parties.

4. Your Rights

You have the right to:

Access or correct your personal information
Withdraw your consent at any time
Request data deletion (subject to legal obligations)
Lodge a complaint with a regulatory authority

5. Security

We implement industry-standard safeguards to protect your data from unauthorized access, loss, or misuse. However, no method of transmission over the internet is 100% secure.

6. Cookies and Tracking Technologies

We use cookies to enhance your browsing experience, analyze site usage, and improve functionality. You may disable cookies in your browser settings, but this may affect the website's performance.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law (e.g., financial regulations and record-keeping standards).

Device type and operating system

Browser type
Pages visited and usage patterns

8. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email or through the website. Continued use of the Service after such updates signifies your acceptance.