Privacy Policy for Vine Lims Limited

Effective Date: 1st of January 2025

Vine Lims Limited is dedicated to safeguarding your privacy and ensuring compliance with all relevant laws and regulations, including the Nigeria Data Protection Regulation (NDPR) and other Nigerian laws governing loans with interest.

1. Information We Collect

We may collect the following types of information:

• Personal Identification: Full name, address, gender, marital status, and identification details (e.g., BVN, national ID).
• Financial Information: Bank details, income records, employment details, and credit history.
• Technical Data: IP address, browser type, and activity on our website.

2. How We Use Your Information

Your information is used to:

• Assess and process loan applications.
• Ensure compliance with legal and regulatory obligations.
• Manage loan accounts and track repayments.
• Improve our services and communicate promotional offers unless you opt out.

3. Information Sharing and Disclosure

Your data may be shared with:

• Regulatory Bodies: To comply with Nigerian laws.
• Credit Bureaus: For creditworthiness evaluation.
• Service Providers: For loan processing and administrative purposes.
• Debt Recovery Agents: In the event of default.

4. Data Retention

We retain your data for 3 years following the termination of your loan agreement, in line with the Nigeria Data Protection Regulation (NDPR).

5. Security Measures

We protect your information using:

• Encryption during data transmission and storage.
• Secure servers and access control measures.

6. Your Rights

You may:

• Request access to your personal data.
• Correct or update your information.
• Opt out of marketing communications via email or SMS.

7. Updates to this Policy

We may revise this policy from time to time. Updates will be communicated through our website or email.

Contact Information

For privacy-related concerns:

• Email: info@vinelimsltd.com
• Phone: +2348168140056
• Address: 4th Floor Adebola House, 38 Opebi Road, Ikeja, Lagos.