Creditswitch is committed to protecting your privacy. This Privacy Policy applies to the personal information and data collected by Creditswitch when you interact with our websites, product and services. This includes when you:

• interact with us on our websites or through other channels (for example, by communicating with us via phone, email, website or attending any of our events)
• use our product and services

This Privacy Policy describes how we collect, receive, use, store, share, transfer, and process your Personal Data. This Privacy Policy also describes your choices and rights with respect to your Personal Data, including your rights of access and correction of your Personal Data. For the purposes of this Privacy Policy "Personal Data" means any information relating to an identified or identifiable individual. If you do not agree with this Privacy Policy, you should not use our websites, products, and services.

We are committed to safeguarding your personal information. Whenever you provide such information, we are legally obliged to use your information in line with all laws concerning the protection of personal information, including the Nigeria Data Protection Act (NDPA) 2023

When you sign up to receive a service from us through our website, email or phone relating to service enquiries, service requests, we may collect personal information about you. This may consist of information such as your name, e-mail address and phone number. We also use cookies.

We will use your personal information for a number of purposes including the following:

• To Communicate with you about the product and services.
When signing up for our services, we use the account information you provide to Creditswitch to send you transactional emails or in-app notifications. We may also send you updates regarding our Terms of Service.  We use your information to provide customer support, such as resolving technical issues you encounter.
• To provide the service.
We use your account information and Customer Data to provide the product and services to you. For example, we use the email address or phone number you provide when signing up for the product to create your user account. We also use this information to authenticate you when you log in.
• To secure and protect our product and users.
We use your account information to investigate and help prevent security incidents. We may also use this information to meet legal requirements. We use your information to verify user accounts, new product sign-ups, and to detect and prevent product abuse.

We may contact you in relation to the functioning of any service you have signed up for in order to ensure that we can deliver the services to you; where you have opted to receive further correspondence; to maintain our internal records for the service provided to you;

We will not contact you for marketing purposes, or promote new services to you unless you specifically agree to be contacted for these purposes. We will not share or sell your information with a third party for marketing purposes.

We will keep your information confidential except where disclosure is required or permitted by law (for example to government bodies and law enforcement agencies). Generally, we will only use your information within our company. However, sometimes we use third parties to process your information. We will require these third parties to comply strictly with these guidelines and we will require that they do not use your personal information for their own business purposes.

Personal Information may only be used or disclosed for the purpose for which it was collected unless you have otherwise consented, or when it is required or permitted by law. Personal Information will only be retained for the period of time required to fulfill the purpose for which we collected it or as may be required by law.

Personal Information will be protected by security safeguards that are appropriate to the sensitivity level of the information. We take all reasonable precautions to protect your Personal Information from any loss or unauthorized use, access or disclosure.

You have the following data protection rights:

• Access, Correction or Deletion. You can request access, correction, updates or deletion of your Personal Data.
• Objection. You can object to our processing of your Personal Data, ask us to restrict processing of your Personal Data or request portability of your Personal Data.
• Withdraw Consent. If we have collected and processed your Personal Data with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your Personal Data conducted in reliance on lawful processing grounds other than consent.

To exercise the privacy rights or if you have any questions about this Privacy Policy please contact us at: dpo@creditswitch.com

We update this Privacy Policy from time to time and we encourage you to review this Privacy Policy periodically.