Privacy Policy & Terms of Use

Last updated: April 22, 2023

Introduction

Credit Cliq Technologies LTD ("we", "us", "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and disclose your personal information in connection with our website, mobile application, and other digital services (collectively, "Services").

Collection of Personal Information

We collect personal information that you provide to us when you use our Services. This includes:

Contact information: We may collect your name, email address, postal address, and phone number when you register for an account or contact us for support.
Financial information: We may collect your credit score, income, and other financial information when you apply for a loan or other financial product.
Usage information: We may collect information about how you use our Services, including your IP address, device type, and browser type.

Use of Personal Information

We use your personal information for the following purposes:

To provide our Services: We use your personal information to provide our Services, including processing your loan applications and providing customer support.
To improve our Services: We use your personal information to analyze usage patterns and improve the quality of our Services.
To communicate with you: We use your personal information to communicate with you about your account, loan applications, and other important information related to our Services.
For marketing purposes: We may use your personal information to send you marketing materials about our Services, or to deliver relevant advertisements to you based on your interests.
For legal purposes: We may use your personal information to comply with applicable laws, regulations, or legal requests.

Disclosure of Personal Information

We may disclose your personal information to the following parties:

Service providers: We may share your personal information with third-party service providers who assist us in providing our Services, such as payment processors and customer support providers.
Affiliates: We may share your personal information with our affiliates, such as our parent company or subsidiaries, to provide you with relevant products or services.
Business partners: We may share your personal information with business partners who offer products or services that may be of interest to you.
Legal purposes: We may disclose your personal information to comply with applicable laws, regulations, or legal requests.

Security of Personal Information

We take reasonable measures to protect your personal information from unauthorized access, disclosure, or destruction. However, no data transmission over the Internet or electronic storage system can be guaranteed to be 100% secure.

Your Rights

You have the right to access, correct, and delete your personal information, as well as the right to object to or restrict the processing of your personal information. You may also have the right to data portability and to lodge a complaint with a supervisory authority. To exercise your rights, please contact us at hello@creditcliq.com.

We use cookies and similar technologies on our Services to provide you with a better user experience and improve the quality of our Services. For more information about how we use cookies, please see our Cookie Policy.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. If we make any material changes, we will notify you by posting the updated policy on our website or by sending you an email.

If you have any questions or concerns about our use of your personal information, please contact us at hello@creditcliq.com.

Last updated: April 22, 2023

These terms and conditions ("Terms of Use") govern your use of the services provided by Credit Cliq Technologies LTD ("Credit Cliq", "we", "us", or "our"), including the Credit Cliq website (the "Site"), mobile applications, and any other related services (collectively, the "Services"). By using the Services, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you may not use the Services.

Use of Services

You may use the Services only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Services:

In any way that violates any applicable federal, state, local, or international law or regulation.
To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by Credit Cliq, may harm Credit Cliq or users of the Services or expose them to liability.
To impersonate or attempt to impersonate Credit Cliq, a Credit Cliq employee, another user, or any other person or entity.
To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitation.
To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by Credit Cliq, may harm Credit Cliq or users of the Services or expose them to liability.

User Accounts

In order to access certain features of the Services, you may be required to register for an account ("User Account"). When creating a User Account, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your User Account login credentials and for all activities that occur under your User Account.

Credit Cliq reserves the right to terminate or suspend your User Account at any time, with or without notice, for any reason or no reason.

Intellectual Property Rights

The Services and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by Credit Cliq, its licensors, or other providers of such material and are protected by Nigeria and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your Web browser for display enhancement purposes.
You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

Disclaimer of Warranties

The Services are provided "as is" and "as available" basis, without any warranties of any kind, either express or implied. Credit Cliq disclaims all warranties, express or implied, including, but not limited to,