Privacy Policy

At Tasere Loan, accessible from www.tasereloan.com, one of our main priorities is the privacy of our visitors and customers. This Privacy Policy is designed to help you to understand what information we gather about you, what we use that information for, and with whom we share that information. It also sets out your rights in relation to your information. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us. Please read the following carefully to understand our processes and practices regarding your personal data and how we will treat it.

This Privacy Policy applies to Tasere Loan (“we” or “us” or “our”). We recognize the importance of protecting your personal and financial information and are committed to doing this. This Privacy Policy sets out how we collect, handle, store and protect information about you when we provide products or services to you, when you visit or use our website; and/or when performing any other activities that form part of our business. This Privacy Policy also contains information about when we share your personal information with third parties (including, but not limited to, our service providers and credit bureau agencies). In this Privacy Policy, we may sometimes collectively refer to handling, collecting, protecting and storing your personal information as “processing” such personal information

Please note that other websites that may be linked to this website/App are not governed by this Privacy Policy. We encourage visitors to review the privacy policy on each of these other websites before disclosing any personal information

You agree with the contents of this Privacy Policy when you give consent upon access to our website or use our services, content, features, technologies or functions offered on our website. Note that you can withdraw your consent at any time, however such withdrawal of consent would not affect the lawfulness of processing information based on consent given before its withdrawal.

In the course of your application for our services via our website and while performing due diligence checks in connection with our services, we generally collect personal information about you. We typically collect or obtain your personal information because you give it to us or because other people give that information to us (for example, third party service providers that we use to conduct due diligence).

The personal information that we may collect typically includes: Your Name, Age, Date Of Birth, Gender, Home Address, Email Address, Bank Verification Number (BVN), Telephone Number, Other Contact Details, Passport Number, National Identification Number (NIN), Driver’s Licence Number, Voter’s Identification Number, Employment Details (for example, the organization you work for, your job title), Marital Status, Financial Information (for example, your income, bank statements, where you enter such information on our website or authorize us to access them from your bank and financial institutions).

Like any other website, Tasere Loan uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information. Below are additional information about how we use cookies and other tracking technologies and how you can control these.

Cookies are small text files. They are commonly downloaded to your computer or mobile device by websites that you visit. They enable the website to tag your device and recognize it as you move around the site (and potentially when you return at a later date) so that, for example, you do not have to re-enter your password each time you move between pages of the website.

If you do not wish to receive cookies, you can set your web browser to disable cookies. As explained above, cookies help you to get the most out of our website. If you decide to disable cookies, you may find that certain aspects of our website do not work as expected. Where you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies.

Tasere Loan follows a standard procedure of using log files. These files log visitors when they visit websites. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. Our website and services are directed to people from the ages of 18 and above. Tasere Loan does not knowingly collect any Personal Identifiable Information from anyone under the age of 18. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Tasere Loan. This policy is not applicable to any information collected offline or via channels other than this website.

We will use your personal information to provide you with our services. As part of this, we may use them in the course of correspondence with you, our service providers or public or judicial authorities with the necessary authorization. In many cases, we also use your personal information to conduct due diligence checks in advance of providing services to you, and to process an application from you. We could also use your personal information for the purposes of, or in connection with:

• applicable legal or regulatory requirements
• requests and communications from public or judicial authorities with the necessary authorisation financial accounting, invoicing and risk analysis purposes
• operational management such as credit and risk management, audit, training and other administrative purposes
• client relationship purposes, including email marketing and business development purposes·

We generally use your personal information for the purposes outlined above because:

• it is necessary for our legitimate interests and does not unduly affect your interests or fundamental rights and freedoms;
• it is necessary for legal and/or regulatory obligations or requests that we are subject to, such as keeping records in accordance with applicable regulations or providing information to a public body or law enforcement agency;
• it is necessary to perform contractual obligations that we owe towards you, or to take pre-contractual steps at the request of you;
• in some cases, we have obtained your prior consent.

To the extent that we process any sensitive personal information relating to you for any of the purposes outlined above, we will do so because either:

1. you have given us your explicit consent to process that information;
2. the processing is necessary for reasons of substantial public interest on the basis of applicable law (for example where we are required by law or regulatory requirements to process that information in order to ensure we meet our KYC and ‘anti money laundering’ obligations); or
3. the processing is necessary for the establishment, exercise or defense of legal claims.

The legal grounds for processing sensitive personal information outlined above are contained in the Nigeria Data Protection Regulation (NGDPR) 2019. If you do not want to continue receiving any marketing materials from us, you may communicate this to us via recommended options.

To whom we disclose your information We generally disclose details about you to third parties that provide services to us (such as IT systems providers and identity verification services providers), competent authorities, credit bureau agencies or other organizations that help us detect criminal activity and incidence of fraud, and any federal, state or local government departments and other statutory or public bodies.

We will hold your personal information on our systems for as long as is necessary to fulfil the purpose for which it was collected or to comply with applicable legal, regulatory or internal policy requirements.

We use a range of physical, electronic and managerial measures to ensure that we keep your personal information secure, accurate and up to date. These measures include:· education and training of relevant staff to ensure they are aware of our privacy obligations when handling personal information as well as training around social engineering, phishing, spear phishing, and password risks, administrative and technical controls to restrict access to personal information to a “need to know basis”, technological security measures, including fire walls, encryption and anti-virus software, physical security measures, such as staff security passes to access our premises, external technical assessments, security audits and vendor due diligence endpoint security, anti-virus, portable storage device lockdown, restricted administrative privileges, real-time monitoring of data leakage controls, layered and comprehensive cybersecurity defences, security incident reporting and management. Although we use appropriate security measures once we have received your personal information, the transmission of data over the internet (including by e-mail) is never completely secure. We endeavour to protect personal information, but we cannot guarantee the security of data transmitted to us or by us.

By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us are stored on our secure cloud-based data storage as well as on premises and a network accessible storage which includes external drives only for authorized users. We erase/delete personal data in the event of any of the following:

• The personal data is no longer necessary in relation to the purposes for which they were collected or processed;
• You withdraw your consent or object to the processing and there is no overriding lawful basis for the processing;
• The personal data was unlawfully collected or processed in the first place;
• In compliance with National Information Technology Development Agency (NITDA)’s or any other lawful directive.

If you are unhappy with the way we handled your personal information or any privacy query or request that you have raised with us, you have a right to complain to the data protection regulator