This privacy policy (“This Policy”) is written in accordance with the applicable laws and regulations regarding data protection in Nigeria.

ACETECH FINANCE LTD is our company registered with the Corporate Affairs Commission (“CAC”)and licensed by the Magistrate Court, FCT, Abuja. We are located at our designated registered office in Abuja.

OUR POLICIES AND PROCEDURES FOR THE COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION ARE EXPLAINED IN THIS POLICY . THIS INCLUDES BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER WHILE USING THE PLATFORM. USER SHALL INCLUDE ANY PERSON WHO VISITS, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE PLATFORM OR USE/BENEFIT FROM OUR SERVICES AND INCLUDES A BROWSER.

THIS POLICY IS MADE TO ESTABLISH A LEGAL AGREEMENT BETWEEN YOU(THE USER OF THE PLATFORM) AND THE COMPANY(THE LICENSED OWNER OF THE PLATFORM). USER MUST BE A NIGERIAN CITIZEN OF AT LEAST 18 YEARS OF AGE AND ABOVE.

BY VISITING/ ACCESSING THE PLATFORM, THROUGH THE WEBSITE OR THE APP AND WILLINGLY PROVIDING US WITH INFORMATION (PERSONAL AND/ OR NON- PERSONAL) FOR THE PRODUCTS OR OTHERWISE, YOU ARE CONSENTING TO OUR USE OF IT IN COMPLIANCE WITH THIS POLICY. THIS POLICY DOES NOT APPLY TO THIRD-PARTY WEBSITES/APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE PLATFORM. IF YOU DISAGREE WITH THIS PRIVACY POLICY, PLEASE DO NOT PROCEED FURTHER TO THE USE/ ACCESS OF THIS PLATFORM.

AS PERTINENT TO THE PLATFORM TOGETHER , YOUR USE OF THE PLATFORM WILL BE GOVERNED BY THIS POLICY WITH ALL POLICIES, NOTICES, GUIDELINES, DISCLAIMERS THAT ARE PUBLISHED AND SHARED WITH YOU FROM TIME TO TIME WHICH ARE EMBODIED HEREIN BY WAY OF REFERENCE INCLUDING BUT NOT LIMITED TO OUR TERMS & CONDITIONS AND SUCH OTHER TERMS AS MAY BE PERTINENT TO YOU IN YOUR CAPACITY AS A USER OF OUR WEBSITES OR APPLICATIONS. THIS POLICY SHALL BE ENFORCEABLE AGAINST YOU IN THE SAME MANNER AS ANY OTHER WRITTEN AGREEMENT.

WE MAY UPDATE THIS POLICY FROM TIME TO TIME. IF WE MAKE ANY CHANGES, WE WILL NOTIFY YOU BY REVISING THE DATE ON THIS PRIVACY POLICY. WE ENCOURAGE YOU TO REVIEW THIS POLICY FREQUENTLY TO STAY INFORMED ABOUT OUR PRIVACY PRACTICES.

1. COLLECTION OF INFORMATION

During your use of the Platform, we will collect information and data including but not limited to your personal information and sensitive personal information/data and all other information as may be required In order to provide you with a safe, personal smooth and continuous access to our App and the services. We may collect and process the following types of personal information:

1.1 Personal data such as name, age, email address, phone number, contact information, personal description, photograph, username, password, other registration information and (depending on the service used) sometimes financial information, such as Bank Verification Number(BVN), credit card or bank account numbers etc. will be authorized to acquire;

1.2 Usage data may contain information such as the pages of our service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data which are collected automatically when using our service, like the type of mobile device being used, mobile device unique ID, the IP address of your mobile device, mobile operating system, the type of mobile Internet browser used, geo-location information etc.

1.3 Information obtained from third parties or other companies such as credit check information, and additional information about you from a credit bureau in accordance with the applicable laws and regulations and also the social media information like your name, your email address and your activities etc. are all included in the third-party data.

1.4 In other to improve and analyze our services, other supplementary information such as device's camera, camera permissions and tracking technologies and cookies will be required.

We use the information given to provide features of our services, to improve and customize our services. The data may be collected but not limited to filling forms on the App, corresponding with us (for example, by e-mail or chat), registering to use the App, subscribing to any of our Services, sharing data via the App’s social media functions, and reporting an issue with the App or our Services. The information may be uploaded to the company's servers and/or a Service Provider's server or it may be simply stored on your device. You can enable or disable access to this information at any time, through your device settings. We will never communicate with any person from your contact list. In case you are putting forward a person as your guarantor, you are also affirming that you have sought approval from the named person with regards to processing their data (name and contact details) and that they are inclined to act as a guarantor for this loan facility. From the credit information companies, we also collect your personal information, including financial information, from the registration or other completed forms / questionnaires that you provide to us or documents like the credit report you authorized us to obtain on your behalf(as specified above). The information we collect about you will depend on the products and services we offer, on an ongoing basis. The information collected from you will be used in order to effectively provide services to you. If you do not allow us to collect all the information, we may not be able to deliver all of these services effectively. You hereby provide us explicit permission to use the data specified above as per the terms of this Policy.

2. INFORMATION USES

You hereby provide explicit permission to us for the use of your information provided by you(as specified above) and share such information with third parties for the following purposes:

2.1 Improve, manage and monitor our Platform;

2.2 Control our risks including the risk of fraud that may be committed against our organization or our partners;

2.3 Analyze how the Platform is used, diagnose service or technical problems and maintain security;

2.4 Send communications notifications, information regarding the products or services requested by you or process queries and applications that you have made on the Platform, including marketing and promotion of our Services or our Platform by way of tele-messages or emails or calls;

2.5 Manage our relationship with you and provide you with or inform you about other products or services we think you might find of some use;

2.6 Conduct data analysis in order to improve the services provided to the user;

2.7 Use the user information in order to comply with country laws and regulations;

2.8 To conduct KYC based on the information shared by you. This may include conducting analysis of your bank statements and BVN. Company, may directly or through third parties, conduct the KYC on its customers. In the event the KYC as detailed under this clause is being conducted by its third-party service providers, the Company shall share Your relevant information with such third-party service providers for availing the said services;

2.9 Use the user information in other ways permitted by law.

2.10 To provide you with better services, control risk, and detect fraud. We use the information obtained from your Device.

2.11 We will use and retain Your information for such periods as necessary to comply with Our legal obligations, resolve disputes, and enforce Our agreements.

3. INFORMATION DISCLOSURE

You hereby provide explicit permission to the disclosure of your information by us to our aligned partners, employees and to third parties as per the terms of this Policy. You provide us explicit consent to share Your information with third parties only in such manner and for the purposes as described below:

3.1 We may disclose Your information to other financial service providers, banks or credit bureaus and Our third-party partners and service providers for providing the Services and offering the Products as detailed under the Terms & Conditions, late payments, missed payments, or other defaults on your account may be reflected in your credit report.

3.2 In order to conduct data analysis for the purpose of improving the services and analyzing your use of the Platform, and to service you better,We may share the details of the Product and your information with our third party partners and service providers.

3.3 For fraud detection, risk assessment and/or for sending promotional tele-messages and email;

We may also disclose your information to our third-party service providers.

3.4 We contract with third-party advertising networks, publishers and other entities to advertise Our Products and Services on Platform which are not associated with us and we shall share the information provided by you and the same shall not be used for any purpose but to assist us in Our advertising efforts.

3.5 If we are under a duty to comply with any legal obligation or an order from the government and/or a statutory authority, or in order to enforce or apply our terms of use or assign such information in the course of corporate divestitures, mergers, or to protect the rights, property, or safety of us, our users, or others, we may disclose your information, without prior notice. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. We will use and retain your information for such periods as necessary to comply with Our legal obligations, resolve disputes, and enforce our agreements.

4. INFORMATION SECURITY AND STORAGE

Your personal information, including the information received from your device on Amazon Cloud Servers and other secure cloud service providers are stored and processed by us . All information received by us, either directly from you or through your device is protected and secured by us. We adopt multiple safeguards like firewalls and data encryption using SSL, and information access authorization controls to protect the security of the information and data provided by you To preserve the integrity and security of your information against loss, theft, unauthorized access, disclosure, reproduction, use or amendment. We use reasonable safeguards . To achieve the same, for practices and procedures as mandated under applicable laws for the protection of your information we use reasonable security. Information you provide to us may be stored on our secure servers located within Nigeria or be transferred to, and stored at, a destination outside Nigeria. However, you understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that you transmit to us is at your own risk. We assume no liability whatsoever for any information disclosure due to errors in transmission, unauthorized third-party access to our platform and data bases or other acts of third parties, or acts or omissions beyond our reasonable control and the company responsible for any breach of security.

5. PHISHING

"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal data by using fraudulent websites and/ or e-mail addresses. In the event of you providing information to a website or responding to an e-mail which does not belong to us or is not connected with us in any manner, you will be a victim of phishing. We don’t send e-mails requesting a user for payment information, user name or passwords. However, we may verify the user name, password etc. provided by you from time to time.

6. SEVERABILITY AND EXCLUSION

We have taken every effort to ensure that this Policy comply with the applicable laws. The illegitimate or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the information collected by us through the Platform. This Policy shall be inapplicable to any spontaneous information You provide us through the Platform or through any other means. This includes but is not limited to, information posted in any public areas of the platform. All spontaneous information shall be deemed to be nonconfidential and the Company shall be free to use and/ or disclose such spontaneous information without any limitations.

7. GOVERNING LAW AND DISPUTE RESOLUTION

This Policy shall be administered by and elucidated in accordance with the applicable laws and regulations regarding data protection in Nigeria

8. CHANGES TO THIS PRIVACY POLICY

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our service, prior to the change becoming effective. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Your continued use of the service after we make changes is deemed to be acceptance of those changes.

9.YOUR RIGHTS

You have the right to make a request to access and delete the personal data we hold about you, to rectify any personal data held about you that is inaccurate, the right to data portability and the right to request the suspension of the processing of your personal data. In case you wish to exercise your rights or you have other questions, comments and requests regarding this policy, you can contact us at info@acetechfinanceltd.com

10. CONTACT US

If you require any information or clarification regarding the use of your personal information or this Privacy Policy, or if you have any disservice with respect to use of your personal information, You can contact us at info@acetechfinanceltd.com

The Company is Nigerian based. By browsing/using the Platform, You hereby agree that the company is not responsible or liable in any manner to comply with any local laws of Your territory except Nigeria.