CreditPRO Finance Company Limited (“CreditPRO”) is committed to protecting your personal data. We only use your personal information for the purpose of providing services pursuant to our mandate.
This Privacy Policy explains how we collect, use, store, share, and protect your personal data in accordance with the Nigeria Data Protection Act 2023 (NDPA).
Your Privacy Rights
This Privacy Policy outlines your rights regarding the collection, use, storage, sharing, and protection of your personal information.
It applies to:
CreditPRO’s website
Database platforms
Services and digital platforms
Tools and online services
Where you choose to exercise any of your rights regarding your personal information, we will comply within the limits of applicable law.
For more information about exercising your rights, you may contact our Data Protection Officer:
Email: Compliance@creditprosme.com
Consent
By accessing our platforms, using our services, or visiting our offices for official or non-official purposes, you consent to the terms of this Privacy Policy.
CreditPRO reserves the right to update or amend this Privacy Policy at any time. Any changes will be posted on our website or communicated through notices displayed at our office locations.
What Personal Information Do We Process?
Personal information refers to data that can be used to identify an individual.
We may collect personal information when you:
Apply for our services
Submit inquiries or complaints
Apply for employment
Supply goods or services
Engage with us to perform statutory obligations
Personal data we may collect includes:
Full Name
Marital Status
Nationality
Date of Birth (DOB)
Bank Verification Number (BVN)
International Passport Number
Tax Identification Number (TIN)
Home Address
Contact Address
Email Address
Employment History
Financial Statements or Financial Position
Details of Assets Owned or Pledged
Health Information
Criminal Investigation or Prosecution Records
Regulatory Information
Credit Score or Credit Information
Biometric Data
Social Media Conversations
Any other relevant personal information
How We Use Your Personal Information
Personal information collected by CreditPRO is used to provide efficient and secure services.
We may use your information to:
Verify and identify customers
Process financial service requests
Process employment applications
Recover debts owed to financial institutions
Investigate financial misconduct
Comply with statutory obligations
Fulfill other purposes authorized under the Nigeria Data Protection Act
Cookies and Website Tracking
Cookies are small files stored on your device that allow the website to recognize your device as you navigate through different pages.
Our website uses encrypted session cookies to:
Track user activity during a session
Store user preferences
Improve website functionality
Session cookies are automatically deleted when:
The session expires, or
The user logs out and closes the browser.
These cookies do not personally identify users.
You may disable cookies in your browser settings; however, doing so may limit some website functionality.
How We Protect Your Personal Information
CreditPRO stores and processes personal information within Nigeria.
If it becomes necessary to transfer your data outside Nigeria, we ensure the destination country provides adequate data protection standards.
We protect your information using:
Physical security measures
Technical security safeguards
Administrative security controls
Security protections include:
Firewalls
Data encryption
Data center access controls
Authorization and authentication controls
Disclosure of Personal Information
Personal data may be shared with:
Government ministries
Regulatory agencies
Public institutions
where required by law, regulation, or court order.
We may also share personal data with:
International organizations
Crime prevention agencies
Risk management agencies
Approved service providers
Such sharing will always comply with applicable data protection laws and security safeguards.
Data Security
Only authorized CreditPRO personnel are permitted to access personal information.
This website uses SSL/TLS encryption to protect data transmitted between your device and our servers.
SSL encryption ensures that data transmitted during a session:
Is encrypted before transmission
Cannot be intercepted or read by unauthorized parties
CreditPRO also follows Information Security Management System (ISMS) best practices including ISO 27001:2022 standards to reduce the likelihood of data breaches.
Data Confidentiality Rights
Your personal information is treated as confidential and will only be disclosed when required by law or regulation.
You have the right to:
Request access to your personal data
Obtain copies of personal information held about you
Requests must comply with the Freedom of Information Act and other relevant legislation.
Cross-Border Data Transfers
Personal data may be transferred or processed outside the jurisdiction where it was collected.
Such transfers will only occur where:
The receiving country has adequate data protection laws.
Appropriate safeguards are implemented, such as standard contractual clauses or binding corporate rules.
Data subjects are informed and their legal rights remain protected.
All cross-border transfers comply with the Nigeria Data Protection Act 2023.
Links to Other Websites
Our website may contain links to websites operated by:
Government ministries
Departments and agencies
Other organizations
This Privacy Policy applies only to the CreditPRO website.
External websites may have privacy policies that differ from ours. Users are encouraged to review those policies when visiting third-party websites.
CreditPRO also maintains social media accounts. Information shared on these platforms may include:
Comments
Questions and responses
Likes
Retweets and interactions
CreditPRO is not responsible for the privacy practices of external websites.
Governing Law
This Privacy Policy is governed by the Nigeria Data Protection Act 2023 and other relevant Nigerian laws and regulations.
Where any provision of this policy conflicts with applicable law, the relevant law will take precedence.
Questions, Requests or Complaints
If you have questions or concerns about this Privacy Policy or the handling of your personal information, please contact our Data Protection Officer:
Address
CITC House
25 Wemco Road
Off Agidingbi
Ogba, Ikeja
Lagos, Nigeria
Email
Compliance@creditprosme.com
