1. Information We Collect
We collect the following types of personal information when you use our platform:
- Personal Identification Information:Name, email address, phone number, date of birth, and government-issued identification (e.g., passport, driver’s license).
- Financial Information:Bank account details, BVN, credit scores, transaction history, loan applications, payment records, and other financial data.
- User Profile Information:Profile details, such as user preferences, activity on the platform, and other voluntarily submitted information.
- Usage Data:IP address, browser type, device information, and other data related to your use of the platform, such as pages visited and timestamps.
2. How We Use Your Information
We use your personal information for the following purposes:
- Account Creation and Management: To create and manage your account, verify your identity, and provide customer support.
- Lending and Borrowing Services: To facilitate peer-to-peer lending, including processing loan applications, managing payments, and conducting credit checks.
- Communication: To send important notifications about your account, loan activity, platform updates, and other relevant information.
- Security: To protect the integrity of the platform, prevent fraud, and ensure the safety of transactions.
- Legal Compliance: To comply with applicable legal obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.
3. Sharing Your Information
We do not sell, rent, or trade your personal information to third parties. However, we may share your information in the following circumstances:
- With service providers: We may share your information with third-party service providers who assist in the operation of the platform (e.g., payment processors, IT services, credit bureaus).
- For legal reasons: We may disclose your information if required by law, such as to comply with subpoenas, regulatory requirements, or legal processes.
- In case of business transfers: If we are involved in a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.
4. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law, whichever is longer. When your information is no longer required, we will securely delete or anonymize it.
5. Your Rights
Depending on your jurisdiction, you may have certain rights regarding your personal information, including:
- The right to access, correct, or delete your personal data.
- The right to object to or restrict the processing of your data.
- The right to withdraw consent where processing is based on consent.
To exercise these rights, please contact us at admin@pruviatrading.com.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.
7. Cookies and Tracking Technologies
We use cookies and other tracking technologies to enhance your experience on our platform. These technologies allow us to remember your preferences, analyze usage patterns, and provide a personalized experience. You can control cookies through your browser settings, but disabling cookies may affect your ability to use certain features of the platform.
8. Third-Party Links
Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before submitting any personal information.
9. Children’s Privacy
Our platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete it as soon as possible.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. We will notify you of any significant changes by posting a notice on our platform or sending you an email. Please review this Privacy Policy periodically to stay informed about how we are protecting your information.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at admin@pruviatrading.com.