Introduction

Andray Finance Limited ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website [insert website URL] or use our digital lending services.

By accessing our website or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not use our website or services.

Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, Bank Verification Number (BVN), bank account details, and government-issued identification.
• Financial Information: Income details, credit history, and transaction records.
• Technical Information: IP address, browser type, device information, and browsing behavior.

Location Information: Geolocation data (if you enable location services on your device).

How We Use Information

We use your information for the following purposes:

• To provide and improve our digital lending services.
• To verify your identity and assess your creditworthiness.
• To process loan applications and disburse funds.
• To communicate with you about your account, transactions, and updates.
• To comply with legal and regulatory requirements.
• To detect and prevent fraud, money laundering, and other illegal activities.

Sharing of Information

We may share your information with:

• Third-Party Service Providers: Such as credit bureaus, payment processors, and cloud service providers.
• Regulatory Authorities: As required by Nigerian law or to comply with legal processes.
• Affiliates and Partners: For business purposes, provided they adhere to confidentiality obligations.

We will not sell or rent your personal information to third parties for marketing purposes.

Data Retention

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.

Security Measures

We implement technical and organizational measures to protect your information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Your Rights

Under the Nigeria Data Protection Regulation (NDPR), you have the right to:

• Access, correct, or delete your personal information.
• Object to or restrict the processing of your information.
• Withdraw consent at any time (where applicable).
• Request a copy of your data in a portable format.

To exercise these rights, contact us at [insert contact email].

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. Your continued use of our services constitutes acceptance of the revised policy.

Contact Us

If you have questions or concerns about this Privacy Policy, don't hesitate to get in touch with us at:

• Email: support@andrayfinance.com
• Phone: +234 (01) 234 5678
• Address: Ikoyi Road, Lagos - Nigeria