This Privacy Policy ("Policy") outlines the basis on which we collect and process any personal data provided by you, including the types of information we collect, how we collect it, how we use it, how we protect it, and how we may share it with third parties. This Policy applies to all products, subscriber-based services, mobile applications ("services"), and websites provided by Eazy Credit & Assets Limited ("Eazy Credit," "Us," or "We"). We encourage you to review this Privacy Policy regularly to stay informed about our data practices and learn how you can protect your privacy when interacting with our services.

When you use our websites and services, we collect and store your personal information, which you provide from time to time. Personal information in this context shall include all data such as: full legal name, bank verification number, phone number, means of identification, identification number, mailing address, email address, tax ID, a photo, biometric information, occupation, assets, income, location data, an online identifier, and other unique identifiers such as but not limited to MAC address, IP address, IMEI number, IMSI number, and SIM. We collect information when you create an account, subscribe, participate in any interactive features of our services, fill out a form, apply for a loan, use your credit or debit cards, request customer support, or otherwise communicate with us.

We use your personal information which we collect to provide, analyze, administer, enhance and personalize our services and marketing efforts, to manage referrals, to process your loan applications, registration, your orders and your payments, and to communicate with you on these and other topics. For example, we use such information to: • Establish and verify your identity • Create an account for you and to ensure that your account does not duplicate an existing user account • Provide you with our services and products • Maintain and update our database • Fulfil any contractual obligations we may have to you and to fulfil legal obligation we have to government agencies and third parties • Secure our systems, prevent fraud and help us protect the security of your account • Inform you of facts relating to your access to and use of your account and our site • Inform you about our products and services which we think may interest you (as long as you have consented to this) • Inform you about any changes to our site, products, services, our terms of use, this Privacy Notice, or any other changes that may be relevant to you • Request feedback on our site, products and services, address any issues and liaise with customers in that regard • Improve your user experience and overall quality of our services • Keep a record of our communication with you and of your communication with us • Communicate with you concerning our services so that we can send you news about Eazy Credit, details about new features available on our platform, special offers, promotional announcements, consumer surveys, and to assist you with operational requests such as password reset requests • Compile and use statistical information about you and other users and their access to and use of our site, browsing habits, click patterns and preferences, demographics etc. which we may use to develop, provide and improve our platforms, products and services • Other activities not specifically mentioned which are lawful, reasonable and relevant to our business activities, and the minimum necessary and adequate for us to provide you with our services and products We will get your consent before processing your personal information for any other purpose.

The legal basis upon which we rely for the collection and processing of your Personal Information is the following: • When signing up to use our Services, you have given us explicit consent allowing Eazy Credit to provide you with our Services and generally to process your information, in accordance with this Privacy Policy; and the transfer of your data to other jurisdictions as may be required in accordance with applicable law • For entering into, or performing, the obligations of a contract between you and Eazy Credit • For our legitimate interests in the proper administration of our Website, our Service and our business; analysing the use of the website and our Services; assuring the security of our website and Services; maintaining back-ups of our databases; and communicating with you • To send promotional communications that you have consented to receive or have expressed a legitimate interest in receiving • For our legitimate interests in the protection and assertion of our legal rights, and the legal rights of others, including you • For our compliance with certain legal provisions which may require us to process your personal data

During your interaction with our website or services, we may share your information with trusted third parties to deliver our services effectively and securely. This includes data processors such as our technology partners, credit bureaus for assessing your credit eligibility, and partner financial institutions that help us offer our range of products. These entities are subject to our rigorous data protection standards and are authorized to process your information only for specified purposes. We may also share your personal information in compliance with National or international laws, crime prevention and risk management agencies and service providers.

Our websites, products, and services may include links to third-party websites and services. These third-party services may collect information about you, such as your location or contact details. Their privacy practices govern the handling of this information, and we are not responsible for their data practices. We encourage you to review the privacy policies of these third-party services.

Every user is entitled to the following rights: The right to access - You have the right to request our organisation for copies of your personal data in our custody. The right to rectification - You have the right to request that our organisation correct any information you believe is inaccurate. You also have the right to request our organisation to complete information you believe is incomplete, misleading or where there are missing important details. The right to erasure - You have the right to request that our organisation erase your personal data under certain conditions. The right to restrict processing - You have the right to request that our organisation restrict the processing of your personal data, under certain conditions. The right to object to processing - You have the right to object to our organisation's processing of your personal data under certain conditions. The right to data portability - You have the right to request that our organisation transfer the data that we have collected to another organisation, or directly to you, under certain conditions.

We retain the information we collect for as long as your account is active or as needed to provide you services, unless you request that we delete certain information. Following termination or deactivation of your account, we will retain information for at least 1 year or for as long as needed for our legal purposes in accordance with applicable law. We will only retain your Personal Data for as long as we reasonably need to unless a longer retention period is required by law or for other regulatory purposes. We will also retain your personal data to comply with a legal obligation.

Cookies are small text files stored on your device when you visit a website. They help us tailor your experience and analyze website traffic. We use two main types of cookies: 1. Functionality Cookies: These cookies recognize you on our website and remember your preferences, such as language and location. They may be first-party or third-party cookies. 2. Advertising Cookies: We collect information about your website activity, including the pages you visit and the links you click. We may share limited information with third parties for targeted advertising purposes. This means you might see ads on other websites based on your browsing history on our site. You can adjust or decline our cookies as you wish. However, you may not be able to use certain features on our website and mobile application.

We regularly review and update this Privacy Policy to reflect changes in our business and legal requirements. Any changes will be effective immediately upon posting the updated policy. The "Last Updated" date at the bottom of this page indicates the most recent revision. 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.

We implement robust technical and organizational measures to protect your data from unauthorized access, misuse, and disclosure. These measures include encryption, access controls, and other security safeguards. We also require our employees and third-party service providers to adhere to strict security standards and confidentiality obligations. Our security practices are regularly reviewed and updated to maintain the highest standards.

For inquiries or concerns regarding this Privacy Policy, the data we hold on you, or you would like to exercise any of your data privacy rights, please do not hesitate to contact us. Email us at info@eazycredit.ng.com Call us: +234 903 000 0037