Privacy Policy

Effective Date: August 05, 2018

Nodcredit is a finance company providing innovative consumer focused lending and wealth management services.

This Privacy Policy is meant to help you understand how we and our affiliates collect, secure, use, and disclose your personal information in connection with our services. This Privacy Policy applies to personal information we collect from you and from third parties, both online and offline. If you are a current Nodcredit customer, you can also use our Privacy Notice as a guide to the ways we use your personal information, as well to understand your choices to limit our use and sharing of your information.

Your use of Nodcredit websites, or otherwise providing us with personal information, you agree to the terms and conditions of this privacy policy and any updates we make. Our Terms of Use take precedent over any provision conflicting with our privacy policy. This is our complete privacy policy, and supersedes all earlier versions.

This Privacy Policy is written to apply to Nodens Nigeria Limited and its affiliates now or in the future.

Changes to Our Privacy Policy

We update our Privacy Policy regularly—this version is effective as of the date indicated above. We will notify you of material changes to the Privacy Policy by email as well as a notice on our website.

1.2. Information We Collect About You
1.2.1. Aggregate Information

Aggregate information, which is data we collect about your use of our or third party websites or services, from which personal information has been removed. Aggregate data is used to help us understand consumer trends, needs, interests, and preferences so we can improve our products and services.

Nodcredit also collects demographic information, which is anonymous, and may include:

Age

Date of Birth

Telephone Number

Income

Geographic Area

In the case of employee-sponsored plans, where we partner with employers to offer our products to their employees, we will collect information from both the employer and employees. This includes, but is not limited to, employer name, plan participant names, length of employment, annual income, addresses, dates of birth, email addresses and other relevant information needed to verify the identity and employment of plan participants.

1.2.2. Consumer Reports

As a company engaged in lending, Nodcredit both receives and transmits data to consumer reporting agencies. We partner with these agencies to assess your creditworthiness and to prevent fraud and identity theft. This is done as part of our regular underwriting, fraud prevention and loan servicing processes.

Information we collect in these reports includes, but is not limited to:

Information about open and closed credit accounts, including the date opened, the date closed (if applicable), the latest reported monthly balance and monthly payment Information about credit inquiries Information about late payments and collection actions occurring on open and closed credit accounts Information regarding public records of bankruptcy, judgements, tax liens, and other payment statuses. The credit score produced by the credit bureau providing the report Information about your transaction history, assets, and account balances

Correcting information maintained by the credit bureaus

Information related to your creditworthiness is maintained by the credit bureaus. If you find that there is an error or you want to dispute the information found in your credit report, please contact the credit reporting bureaus.

www.crccreditbureau.com

www.firstcentralcreditbureau.com

www.creditregistry.ng