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Legal

Privacy Policy

1. Introduction

Kredit Global ("we", "our" or "us") is committed to protecting the privacy and personal information of individuals who visit our website, use our platforms or interact with our services.

This Privacy Policy explains how we collect, use, store, share and protect personal information and the rights available to individuals whose information we process.

This Policy applies to visitors to the Kredit Global corporate website and, where applicable, individuals who interact with our products and services, including BizKredit, Flexbuy, SolarKredit and LeaseKredit.

Certain products may have additional privacy notices or terms that explain their specific data processing activities.

2. Information We Collect

Depending on your interaction with us, we may collect the following categories of information:

  • Identity information: Name, date of birth, identification details and other information needed to verify your identity.
  • Contact information: Email address, telephone number and residential or business address.
  • Business information: Business name, registration details, business activity, revenue and other information relevant to business financing.
  • Financial information: Income, cash flow, transaction history, bank statements, repayment records and other information necessary to assess or administer a financing arrangement.
  • Verification information: Information provided for identity verification, know-your-customer checks, fraud prevention and credit assessment.
  • Communication information: Messages, enquiries, complaints and other communications with our team.

We aim to collect only information that is relevant and necessary for the purposes for which it is required.

3. How We Collect Information

We may collect personal information:

  • Directly from you when you complete a form, contact us or apply for a product.
  • Through your use of our website and digital platforms.
  • From financial institutions, identity verification providers, credit bureau, business partners and other authorised sources, where permitted by law.
  • From other sources where collection is lawful and necessary for providing our services or meeting our legal obligations.

4. Why We Use Your Information

We may process personal information to:

  • Respond to enquiries and provide customer support.
  • Register customers and businesses on our platforms.
  • Assess financing applications and determine eligibility.
  • Verify identities and prevent fraud.
  • Administer financing, payments and repayments.
  • Communicate application updates, payment reminders and service information.
  • Improve our products, website and customer experience.
  • Manage complaints and resolve disputes.
  • Meet applicable legal, regulatory, accounting and reporting obligations.
  • Protect our systems, customers and business from security threats and misuse.
  • Send marketing communications where permitted by law and, where required, with your consent.

5. Lawful Basis for Processing

We process personal information on an appropriate lawful basis under applicable data protection law. Depending on the circumstances, this may include your consent, the performance of a contract or steps taken at your request, compliance with a legal obligation, or legitimate interests that do not override your rights.

Where we rely on consent, you may withdraw it, subject to any legal or contractual limitations. Withdrawal does not affect processing lawfully carried out before the withdrawal.

6. Sharing of Information

We may share relevant information with:

  • Identity verification and KYC service providers.
  • Payment processors and financial institutions.
  • Credit bureau and authorised credit information providers.
  • Technology, hosting, security and customer support providers.
  • Merchants, installers, business partners or service providers involved in delivering a product or financing arrangement.
  • Professional advisers, auditors and insurers where necessary.
  • Regulatory authorities, law enforcement agencies or courts where disclosure is legally required or permitted.

We require appropriate safeguards from service providers handling personal information on our behalf.

We do not authorise third parties to use personal information for purposes unrelated to the services they provide or other lawful purposes.

7. Data Security

We use appropriate technical and organisational measures designed to protect personal information against unauthorised access, disclosure, alteration, loss or destruction.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

9. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including the provision of services, the fulfilment of contractual obligations, dispute resolution and compliance with legal or regulatory retention requirements.

Information may be securely deleted, anonymised or otherwise disposed of when it is no longer required, subject to applicable law.

10. Your Privacy Rights

Subject to applicable law, you may have the right to:

  • Request access to your personal information.
  • Request correction of inaccurate or incomplete information.
  • Request deletion of personal information where legally applicable.
  • Object to or request restriction of certain processing activities.
  • Request the transfer of eligible information to another service provider.
  • Withdraw consent where processing is based on consent.
  • Raise concerns about automated decision-making where applicable.
  • Lodge a complaint with the relevant data protection authority.

Some requests may be subject to legal exceptions, including requirements to retain information relating to financial transactions or regulatory obligations.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, business practices or legal obligations. The latest version will be published on our website with its updated effective date.

15. Contact Us

For privacy-related questions or requests, contact:

Phone number:
+234 702 943 984
Email:
info@kreditglobal.com
Address:
41 Olorunlogbon street, Anthony Village. Lagos State