Credably Technologies Limited Privacy Notice

Privacy Notice- Credably Technologies Limited

Effective Date: 01/09/2026
Last Updated: 01/09/2026

Version: 1.0

1. Introduction

Credably Technologies Limited ("Credably", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.

This Privacy Notice explains how we collect, use, store, share, and protect your personal data when you use our website, mobile applications, products, services, platforms, APIs, customer support channels, and other digital services.

By accessing or using our services, you acknowledge that you have read and understood this Privacy Notice.

2. Who We Are

Credably Technologies Limited is a technology-driven financial services company that provides credit infrastructure, lending technology, merchant services, customer onboarding solutions, identity verification services, and related financial technology products.

For the purposes of applicable data protection laws, Credably is the Data Controller of your personal data.

3. Information We Collect

Depending on the products or services you use, we may collect the following categories of personal data:

Identity Information

· Full name

· Date of birth

· National Identification Number (NIN)

· Bank Verification Number (BVN)

· Government-issued identification details

· Photographs and identity verification results

Contact Information

· Email address

· Phone number

· Residential address

· Business address

Financial Information

· Bank account details

· Income information

· Transaction records

· Repayment history

· Loan-related information

· Credit bureau information

Device and Technical Information

· IP address

· Device identifiers

· Browser type

· Operating system

· Mobile device information

· Application usage data

· Authentication logs

Location Information

· GPS location data

· Device location information

· IP-derived location information

Communication Records

· Customer support interactions

· Emails

· Chat messages

· Call recordings where applicable

Usage and Behavioural Information

· Login history

· Platform activities

· User preferences

· Navigation patterns

· Product engagement information

We may also receive information from trusted third parties, including identity verification providers, financial institutions, credit bureaus, open banking providers, regulators, fraud-prevention service providers, and other lawful sources.

4. How We Collect Your Information

We collect personal data:

· Directly from you when you register, apply for services, complete forms, or contact us;

· Automatically when you use our websites, mobile applications, and digital platforms;

· From authorized third parties that assist with identity verification, fraud prevention, credit assessments, regulatory compliance, and service delivery;

5. Why We Use Your Personal Data

We process personal data for legitimate business and regulatory purposes, including to:

· Create and manage your account;

· Verify your identity;

· Conduct customer onboarding and KYC checks;

· Process loan applications and credit requests;

· Assess affordability and creditworthiness;

· Detect and prevent fraud;

· Monitor security and protect our platforms;

· Provide customer support;

· Improve products and services;

· Communicate important service updates;

· Meet legal, regulatory, and compliance obligations;

· Resolve disputes and enforce agreements;

· Conduct analytics and business performance assessments.

6. Legal Basis for Processing

We process your personal data where:

· You have given your consent;

· Processing is necessary to provide our services or perform a contract with you;

· Processing is required by law or regulatory obligations;

· Processing is necessary to protect legitimate interests such as fraud prevention, security, risk management, and service improvement;

· Processing is necessary to establish, exercise, or defend legal claims.

7. Automated Decision-Making and Credit Assessments

Credably uses automated systems, data analytics, and risk-scoring technologies to support:

· Credit assessments;

· Loan eligibility determinations;

· Affordability evaluations;

· Fraud detection;

· Risk management.

These technologies may analyse financial, transactional, behavioural, and identity-related information. We implement safeguards designed to promote fairness, accuracy, transparency, and responsible decision-making.

8. Sharing Your Personal Data

In order to provide the best services, we may share your personal data with:

· Licensed financial institutions;

· Lending partners;

· Credit bureaus;

· Identity verification providers;

· Payment processors;

· Cloud service providers;

· Analytics and technology providers;

· Professional advisers;

· Auditors;

· Regulators and government agencies;

· Law enforcement authorities where legally required.

We do not sell your personal data to any person, institution or organisation.

9. International Transfers

Your personal data may be stored or processed outside Nigeria where we use international technology infrastructure, cloud service providers, or business partners.

Where such transfers are intended to occur, we will make sure to implement appropriate safeguards to ensure that your personal data remains protected in accordance with applicable data protection laws.

10. Data Security

We maintain technical, organizational, and physical safeguards designed to protect personal data from unauthorized access, misuse, disclosure, alteration, or loss.

Our security measures may include:

· Encryption;

· Multi-factor authentication;

· Secure infrastructure;

· Access controls;

· Security monitoring;

· Employee confidentiality obligations;

· Incident response procedures;

· Vendor security assessments.

11. Data Retention

We retain personal data only for as long as reasonably necessary to:

· Provide our services;

· Meet legal and regulatory obligations;

· Resolve disputes;

· Enforce agreements;

· Maintain required business records.

In most cases, customer and financial records are retained for up to seven (7) years after the end of the customer relationship unless a longer period is required by law or regulatory requirements. After the applicable retention period, data is securely deleted, anonymized, or destroyed.

12. Your Privacy Rights

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

· Request access to your personal data;

· Request correction of inaccurate information;

· Request deletion of personal data in certain circumstances;

· Restrict or object to certain processing activities;

· Withdraw consent where processing is based on consent;

· Request portability of your personal data;

· Lodge a complaint regarding the handling of your personal information.

To exercise your rights under this clause, please contact us on:

Email: policy@credably.ng

Phone number: 09065052878

3. Children's Privacy

Our services are not intended for individuals under the age permitted by applicable law to independently access our services. We do not knowingly collect personal data from children without appropriate legal authorization and parental or guardian consent where required.

14. Updates to This Notice

We may update this Privacy Notice from time to time to reflect changes in our products, services, legal obligations, technology, or business practices.

Any updates will be published on this page, together with the revised effective date. Continued use of our services after any update constitutes acknowledgment of the revised Notice.

15. Contact Us

If you have questions, concerns, complaints, or wish to exercise your privacy rights, please contact:

Data Protection Officer (DPO)
Credably Technologies Limited
Email: policy@credably.ng