Privacy Policy

Providence Pay ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard your information when you visit our website or apply for a loan. By using our services, you agree to the practices described here.

1. Information We Collect

We collect information that you provide directly to us, including:

• Identity and contact details such as your name, phone number, email address and residential address.
• Financial information such as bank account details, income, employment status and repayment history.
• Verification data such as a valid means of identification and, where required, your Bank Verification Number (BVN).
• Technical data such as your IP address, device type and browser, collected automatically when you use the website.

2. How We Use Your Information

We use your information to assess loan applications, verify your identity, disburse and recover loans, provide customer support, prevent fraud, comply with legal obligations and improve our products and services.

3. Sharing Your Information

We do not sell your personal data. We may share it with credit bureaus, identity-verification and payment partners, professional advisers, and regulators or law-enforcement agencies where we are legally required to do so. Any third party that processes data on our behalf is bound by contractual confidentiality and security obligations.

4. Data Security

We use administrative, technical and physical safeguards, including encryption in transit and at rest, to protect your information. No method of transmission or storage is completely secure, but we work continuously to protect your data and to notify you and the relevant authorities of any breach that affects you.

5. Data Retention

We keep your information for as long as your account is active and for the period afterwards required to meet legal, regulatory, tax and dispute-resolution obligations. When it is no longer needed, we securely delete or anonymise it.

6. Your Rights

Subject to applicable law, including the Nigeria Data Protection Act, you have the right to access, correct, restrict or object to the processing of your personal data, to request deletion, and to withdraw consent where processing is based on consent. To exercise any of these rights, contact us using the details below.

7. Cookies

Our website uses essential cookies to function and may use analytics cookies to understand how the site is used. You can control cookies through your browser settings; disabling some cookies may affect how the site works.

8. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date above shows when it was last revised, and material changes will be communicated through the website or directly where appropriate.

9. Contact Us

If you have questions about this Privacy Policy or how we handle your data, email [email protected] or write to us at 75 Sarumi Ultra Modern Shopping Complex, Agunlejika, Lagos State.