This privacy and data policy discloses the ways Debtors Africa and its associates gather, use, disclose, and manage your data.
We collect personal information directly from you, and where lawful and reasonable, we may collect personal information about you from third parties and publicly available sources, such as financial institutions, service providers, credit reporting and government agencies for the purposes set out below.
We use your personal information to:
Without your personal information, we may not be able to provide or continue to provide you with the products or services that you need.
We will process your personal information as stated above if with your consent or in accordance with the law. We will also act on your consent given through 3rd parties for whom we provide services.
We will only disclose your personal information if:
We ask third-party service providers to agree to our privacy policies if they need access to any Personal Information to carry out their services.
We will not disclose your personal information to external organisations that are not our service providers, unless you gave us your consent, or unless we may do so by law, or if it is necessary for the conclusion or performance of our agreement with you or any of the organisations we provide service to whom you have given your consent.
Sometimes we will process your personal information in other countries, either to carry out your instructions or for ordinary business purposes. These countries may not have the same level of protection. If necessary, we will ask the party to whom we transfer your personal information to agree to our privacy principles, associated policies and practices.
We store personal information as required by law.
Our security systems are designed to prevent loss, unauthorised destruction, damage and/or access to your personal information from unauthorised third parties.
If you give us permission, we may use your personal information to tell you about products, services and special offers from us or other companies that may interest you. We will do this through email, text message (SMS), social media platforms or notify you on your mobile applications. If you later decide that you do not want us to do this, please contact us through our customer service channels to stop this service.
As our customer, you may:
We may, if allowed by law, charge a fee for this.
While you are using our websites or mobile applications, we automatically process certain personal information, such as visits to our websites. We use this information to find out which areas of our websites people visit most and to monitor the use of our websites. This helps us to add more value to our services. This information is gathered in such a way that we do not get personal information about any individual or their online behaviour on other websites.
We use cookie technology on some of our websites. A cookie is small pieces of text that is saved on your Internet browser when you use our websites. The cookie is sent to our computer each time you visit our websites. Cookies make it easier for us to give you a better experience online. You can stop your browser from accepting cookies, but if you do, some parts of our websites or online services may not work. We recommend that you allow cookies.
Our website, related websites and mobile applications may have links to or from other websites. Although we try to link only to websites that also have high privacy standards, we are not responsible for their security, privacy practices or content. We recommend that you always read the privacy and security statements on these websites.
We communicate with you through different methods and channels. If allowed by law, we may record and monitor electronic communications to make sure that they comply with our legal and regulatory responsibilities and internal policies.
We operate and communicate through our designated channels, pages and accounts on some social media sites to inform, help and engage with our customers and clients. We monitor and record comments and posts made about us on these channels so that we can improve our services.
The general public can access and read any information posted on these sites. We are not responsible for any information posted on those sites other than the information posted by our designated officials. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.
We do not give investment, tax, credit or other professional advice on social media sites. You should always get independent advice before making any decisions.
When you engage with us through social media your personal information may be processed by the site owner; this process is outside our control and may be in a country outside Nigeria that may have different privacy principles.
Social media sites are not appropriate forums to discuss our customers' products or financial arrangements. We will not ask you to share personal, account or security information on social media sites.
We regularly update and monitor our social media accounts and welcome feedback and ideas sent to us through these channels. We try to join conversations whenever possible, but may not reply to all messages sent to official Debtors Africa social media accounts.
We will take note of your rights under applicable privacy and data protection laws, especially your right to object, on reasonable grounds, to certain types of processing.
You have the right to query a decision that we make about a product or service that you have applied for and that was made solely by automated means.
You have the right to withdraw consent previously given subject to relevant laws and lodge a complaint with the relevant regulatory authority.
We may change this privacy statement. We will publish all changes on our websites. The latest version of our privacy statement will replace all earlier versions, unless it says differently.