AAB Credit Privacy Policy

1. Information We Collect

We may collect the following information when you use AAB Credit:

• Personal details such as your name, phone number, date of birth, gender, and address.
• Identity information including your BVN, NIN, and verification results.
• Documents and images you upload, including selfies, identity documents, and guarantor documents.
• Loan application details, repayment records, wallet transactions, and customer support history.
• Device, login, and usage information needed to secure your account and improve our services.

2. How We Use Your Information

We use your information to:

• Verify your identity and eligibility.
• Assess loan applications and manage approved loans.
• Process disbursements, wallet funding, and repayments.
• Prevent fraud, unauthorized access, and misuse of our platform.
• Send service messages, repayment reminders, and account notifications.
• Respond to enquiries, complaints, and support requests.
• Meet legal, regulatory, audit, and record-keeping obligations.

3. Sharing Your Information

We may share your information with trusted service providers and partners where necessary to provide our services. These may include identity verification providers, payment processors, credit bureaus, storage providers, communication providers, regulators, law enforcement agencies, and professional advisers.

We do not sell your personal information.

4. Credit Checks and Reporting

By applying for a loan, you authorize AAB Credit to carry out identity, credit, and affordability checks. We may report repayment performance, defaults, fraud, or account status to licensed credit bureaus and relevant authorities as permitted by applicable law.

5. Data Security

We use reasonable administrative, technical, and organizational safeguards to protect your personal information from unauthorized access, loss, misuse, or disclosure. You are responsible for keeping your login credentials secure.

6. Data Retention

We retain your information for as long as needed to provide our services, manage your account, comply with legal and regulatory obligations, resolve disputes, prevent fraud, and enforce our agreements.

7. Your Rights

Subject to applicable law, you may request access to your personal information, ask that inaccurate information be corrected, or request information about how your data is processed. Some requests may be limited where we must retain information for legal, regulatory, fraud prevention, or contractual reasons.

8. Cookies and Website Data

Our website may use cookies or similar technologies to support basic site functionality, improve performance, understand usage, and protect the platform from abuse.

9. Changes to This Policy

AAB Credit may update this Privacy Policy from time to time. Continued use of our website or mobile application after an update means you accept the revised policy.

10. Contact Us

For privacy enquiries or complaints, contact: