Introduction
Welcome to Credlock. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you use our services, whether accessed via our website, mobile applications, or any other platform. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.
Information We Collect
We collect various types of information, including:
- Personal Identification Information: Name, email address, phone number, and other personal identifiers.
- Financial Information: Bank account details, payment history, and credit information.
- Transaction Information: Details about purchases, device financing, and loan management activities.
- Technical Data: IP address, browser type, operating system, and other technical details when you access our services.
- Usage Data: Information about how you use our website and services, including page views, links clicked, and features accessed.
How We Use Your Information
We use the information we collect for various purposes, including:
- To Provide Services: Facilitate device financing, manage loans, and provide customer support.
- To Process Payments: Ensure accurate processing of payments and financial transactions.
- To Improve Our Services: Analyze usage patterns and feedback to enhance user experience.
- To Communicate: Send transactional emails, notifications, and updates related to your account.
- To Comply with Legal Obligations: Fulfill our obligations under applicable laws and regulations.
Sharing Your Information
We may share your personal data with:
- Service Providers: Third-party vendors who assist us in providing services, such as payment processors and analytics providers.
- Business Partners: Partners who help us deliver our services, including mobile device retailers and financial institutions.
- Legal Authorities: If required by law or in response to legal requests.
- Successors: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
Security of Your Information
We take the security of your data seriously and implement appropriate measures to protect your personal information. This includes encryption, access controls, and regular security audits. However, please be aware that no security measures are perfect, and we cannot guarantee absolute security.
Your Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the personal data we hold about you.
- Correction: Request corrections to any inaccuracies in your personal data.
- Deletion: Request the deletion of your personal data in certain circumstances.
- Restriction: Request the restriction of processing of your personal data.
- Objection: Object to the processing of your personal data for specific purposes.
- Portability: Request the transfer of your personal data to another service provider.
To exercise any of these rights, please contact us at [email protected].
Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or as required by law. Once the retention period expires, we will securely delete or anonymize your data.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us understand how you interact with our services and allow us to provide a more personalized experience. You can control cookie settings through your browser, but disabling cookies may affect your ability to use certain features of our services.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or the content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
International Data Transfers
As part of our global operations, your personal data may be transferred to and processed in countries outside of your home country. We ensure that such transfers comply with applicable data protection laws and that your data is protected to the same standard as required in your home country.
Children's Privacy
Our services are not intended for children under the age of 13. We do not knowingly collect personal data from children under 13. If you believe that a child under 13 has provided us with personal data, please contact us immediately, and we will take steps to delete such information.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. We will notify you of any significant changes by posting the new policy on our website and updating the "Last Updated" date at the top of the policy. We encourage you to review this policy periodically to stay informed about how we protect your data.
Your Consent
By using our services, you consent to our collection and use of your personal information as described in this Privacy Policy. If you do not agree with this policy, please do not use our services.
Dispute Resolution
In the event of any dispute arising out of or relating to this Privacy Policy, you agree to resolve the matter through arbitration in accordance with the rules of the federal republic of Nigeria. The arbitration will take place in Nigeria, and the decision of the arbitrator will be final and binding.
Governing Law
This Privacy Policy is governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles.