Privacy Policy

Credenz and our commitment to your privacy

Credenz provides a platform where users can buy or rent a home at an affordable price with no stress. Homeowners and vendors can also sell their properties using our platform. We provide a Flexible Payment System for people who can’t afford to pay at once. Our company is duly registered under the Companies and Allied matters Act of Nigeria. We have developed this privacy policy to show our commitment to keeping your data safe and secure. This Privacy Policy describes our company’s policies and procedures on the collection, use, retention, processing, transfer and disclosure of Your information when You use our application or visit our website and tells You about Your privacy rights and how the law protects You. This privacy policy is issued by Credenz Trading Limited. The use of the pronouns "we", "us" or "our" in this privacy policy, refers to Credenz Trading Limited. The use of the pronoun ‘’You’’ or ‘’Your’’ refers to any user of our services.

Consent Notice

By using our application or website, You consent to the collecting and use of your data in accordance with our Privacy Policy, and you authorize us to use your data to provide you with exceptional service.

Scope of our policy

This privacy policy applies to information collected on our mobile application, website and to our business in general.

Changes to our Privacy Policy

We shall update Our Privacy Policy from time to time since we appreciate your privacy and need to stay current with regulations. We will make every effort to advise you of any forthcoming changes through email or by putting a notice on Our application and website before they take effect. We recommend that you examine this Privacy Policy on a regular basis for any updates. When modifications are made, we will update our policy with the date of the change.

What Information do we collect about you?

While accessing our services, as you visit our website and use our application, in the course of performing due diligence checks in connection with your request for our services we may collect some of these information from you:

• Identification Data: includes data such as identity card, first name, middle name, last name, social media username or similar identifier, marital status, title, date of birth, next-of-kin data, and gender.
• Biographical Data: includes data such as current address, residential type, state of residence, local government, email address and telephone number.
• Employment Data: includes employment status, company name, time of appointment, employer’s name, net monthly income.
• Financial Data: includes data such as Bank Verification Number (BVN), phone number (linked to BVN), bank name, account number, account name, income structure, bank statement.
• Technical Data: includes data such as internet protocol (IP) address, your login data, time zone setting, location, browser plug-in types and versions, operating system and platform browser type and version, and other technology on the devices you use to access this website
• Usage Data: includes data such as information about how you use our application, products, and services.
• Marketing and Communications Data includes data such as regarding your preferences in receiving marketing from us and our third parties and your communication preferences.

How do we make use of your data?

1. To manage Your Account and provide You access to different functionalities of the Services available to our registered user.
2. To manage our website and for internal operations such as product development, troubleshooting, data analysis, testing, research, and surveying.
3. To contact You: from time to time, we may need to contact through your contact information to notify of updates, necessary communications regarding the functionalities of our services, security updates or privacy policy update, when necessary or reasonable for their implementation.
4. For the performance of a contract between you and the company
5. To provide You with news, special offers and general information any new services, promotional offers or events relevant to the service you have purchased or enquired about unless You have opted not to receive such information.
6. To carry out due diligence/ background checks.

Who do we share your information with? / Who can we disclose your data to?

1. With Service Providers: We may share Your personal information with payment service providers for payment processing.
2. With business partners: We may share Your information with Our business partners who would like to offer You certain services or promotions.
3. Legal/enforcement agencies
   • we may disclose your personal data to comply with a legal obligation
   • Prevent or investigate suspected crime in connection with the Service
   • Protect the personal safety of Users of the Service or the public
4. A new entity: where our Company is involved in a merger or acquisition transaction or sells its asset to another entity, we may need to transfer your Personal Data in this case. We will provide adequate notice on such transfer.

How we store and secure your personal data

We ensure that we store data securely and ensure that we make use of data minimization, anonymization and we limit data access to internal members on a need-to-know basis. We treat the security of Your Data with utmost priority. We have also endeavored to set in place measures to deal with any suspected personal data breach incident. We will notify you and the relevant regulatory body of a breach where such occurs and when we are required to do so in law. Notwithstanding we understand that storage measures cannot be 100% secure and therefore do not guarantee its absolute security. We encourage users to refrain from handling their passwords and other sensitive data in a carefree manner.

How long do we retain your data?

The Company does not retain your data perpetually. We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy or where necessary to comply with our legal obligations or enforce our legal agreements and policies with you. Where we notice inactivity of a user on Our application for a period exceeding six months you will be sent a follow-up email to determine if you would like to continue using Our services. Inactive users’ profile will be archived after 2 years of inactivity and thereafter deleted after one year of archiving the profile.

The legal basis for dealing with your personal data

1. When you give us consent to process your personal data
2. Where you are entering a contract with us
3. Where processing is necessary for compliance with a legal obligation
4. To protect your vital interests and the interest of other persons
5. To perform a task carried out in the public interest or in exercise of official public mandate vested in the controller

Your right as a data subject dealing with us

1. You have the right to request access to your personal information which we possess.
2. You have the right to request correction of personal information that you have given us to keep them accurate or to reflect any change in the personal information
3. You have the right to know the information about all of your personal data which we are processing
4. You can refrain us from using your data in a particular manner or restrict the extent of our collection or processing of your data.
5. You can object to our processing of your personal information for direct marketing purposes.
6. You can request partial or complete erasure of your personal information in particular circumstances.
7. You can request a copy of your personal data or request us to transfer your personal information to another party.

Your duty to update your personal Information

It is your duty to ensure that the information you provide to us is complete, accurate, and up to date, as well as to notify us if any of that information changes so that we can make the appropriate modifications.

Our use of Cookies

Cookies are required for our website to function properly. A cookie is a small file (or record within a file) that a website can send to your browser, which can then save it on your computer's hard drive. Cookies enable us to analyze web traffic and save your registration information or passwords to our website. If you are concerned about this, you can configure your browser to accept or reject cookies when you visit our website.

Our website and application make use of session cookies and permanent cookies which would be deleted after 12 months.

Child Privacy

Our Service are not designed for anyone under the age of 18. We do not knowingly collect personal data from anyone under the age of 18. If We become aware that We have collected such data, we shall take steps to remove such information from Our servers.

Caution on link to other websites

Our Service may contain links to visit other websites which are not operated by our company. Because we do not have any authority on what you see on other website, we advise our users to review the Privacy Policy contained on such sites. We do not assume any form of responsibility for the content of any third-party sites.

Exercising your Data Right

To contact us on any issue related to your personal data kindly email our compliance team representative at support@credenz.tech or call 09067793549. We are available to address your questions and requests.