Privacy Policy

1. Introduction

At Liquidity, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our micro-mortgage platform and services. By using Liquidity, you consent to the practices described in this policy.

2. Information We Collect

3. How We Use Your Information

We use your information to:

• Process and evaluate loan applications
• Verify your identity and prevent fraud
• Manage loan accounts and process repayments
• Communicate with you about your account and services
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Conduct risk assessment and credit checks
• Send marketing communications (with your consent)

4. Information Sharing

We may share your information with:

• Credit bureaus for credit checks and reporting
• Financial institutions for payment processing
• Legal and regulatory authorities when required by law
• Service providers who assist in our operations (under strict confidentiality agreements)
• Landlords or developers for loan disbursement purposes

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption of sensitive data in transit and at rest
• Secure servers with regular security audits
• Access controls and authentication protocols
• Regular security training for our staff
• Monitoring systems to detect and prevent unauthorized access

We implement appropriate technical and organizational security measures to protect your personal information. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. After your loan is fully repaid, we may retain certain information for up to 7 years as required by Nigerian financial regulations. You may request deletion of your data, subject to our legal and regulatory obligations.

7. Your Rights

You have the right to:

• Access your personal information held by us
• Request correction of inaccurate data
• Request deletion of your data (subject to legal requirements)
• Object to processing of your data for marketing purposes
• Withdraw consent for data processing (where applicable)
• Lodge a complaint with the Nigeria Data Protection Bureau

8. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and deliver personalized content. You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our platform.

9. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will take steps to delete it promptly.

11. Changes to This Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

13. Compliance

This Privacy Policy is designed to comply with the Nigeria Data Protection Regulation (NDPR) and other applicable data protection laws. We are committed to protecting your privacy and handling your data responsibly.