Goldencredit Limited (“we”, “our”, or “us”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
1. Information We Collect
We may collect the following categories of personal information:
- Personal Identification Information: Name, email address, phone number, date of birth, gender, and national ID or BVN.
- Financial Information: Bank account details, transaction history, credit data, income details.
- Usage Information: IP address, browser type, pages visited, access times, and referring URLs.
- Device Information: Mobile device ID, OS version, and geolocation data (if enabled).
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide financial and credit services.
- To verify your identity and assess creditworthiness.
- To process payments and transactions.
- To communicate with you regarding your account or services.
- To comply with legal and regulatory requirements.
- To improve our website, products, and services.
3. Sharing Your Information
We do not sell your personal information. However, we may share your data with:
- Financial institutions and payment processors.
- Credit bureaus and regulatory authorities.
- Service providers who help us operate our platform (under confidentiality agreements).
- Law enforcement or government bodies if required by law.
4. Data Security
We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, alteration, or loss. However, no internet-based service is 100% secure.
5. Your Rights
Depending on applicable law, you may have the right to:
- Access, correct, or delete your personal data.
- Object to or restrict certain data processing.
- Withdraw consent (where processing is based on consent).
- Lodge a complaint with a data protection authority.
To exercise these rights, contact us at privacy@goldencredit.ng.
6. Data Retention
We retain your data only as long as necessary to fulfill the purposes outlined in this policy, comply with our legal obligations, and resolve disputes.
7. Cookies and Tracking Technologies
Our website may use cookies to enhance your user experience. You can control cookie settings through your browser.
8. Third-Party Links
Our services may contain links to third-party websites. We are not responsible for their privacy practices.
9. Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with a new “Last Updated” date.
10. Contact Us
If you have any questions or concerns about this policy or our data practices, please contact:
Goldencredit Limited
10,SOLU ROAD FATHER BUS STOP IFO OGUN STATE
Email: privacy@goldencredit.ng
Phone: 08072586512