1. Introduction
This Privacy Policy applies to the website of ALHERI LENDING COMPANY LTD (“we”, “us”, “our”), operating at https://www.alherilending.com/. This policy explains how we collect, use, store, protect, and disclose your personal data when you visit our website, submit loan inquiries, contact us via WhatsApp, phone, or online forms, and use our vehicle pledge loan services in Nigeria.
This policy complies with the Nigeria Data Protection Act (NDPA), FCCPC consumer protection regulations, and Google Ads financial service compliance requirements. By accessing our website and using our services, you fully agree to the terms of this Privacy Policy.
2. Information We Collect
We only collect necessary personal and business information for loan verification, service delivery, and legal compliance:
– Personal identification data: Full name, valid ID information (NIN/BVN), phone number, email address, residential and business address.
– Vehicle-related data: Vehicle model, year of manufacture, vehicle registration number, ownership documents, and vehicle assessment information.
– Service data: Loan inquiry records, application information, repayment records, and communication records with our customer team.
– Automatic website data: IP address, device type, browser information, website access time, and browsing behavior for website optimization and security monitoring.
3. How We Use Your Information
All collected data is used strictly for legitimate business purposes only:
– Verify user identity and vehicle ownership to complete loan review and approval;
– Process loan applications, complete vehicle valuation, contract signing, and fund disbursement;
– Provide after-sales service, repayment reminder, and customer consultation support;
– Comply with Nigerian financial regulatory laws, tax filing, and regulatory inspection requirements;
– Optimize website functions, service processes, and user experience;
– Prevent fraud, illegal lending, and ensure platform and fund security.
We will never sell, rent, or trade your personal data to any third parties for commercial marketing purposes without your explicit written consent.
4. Data Storage & Security Protection
We adopt industry-standard technical and management measures to protect your personal data from unauthorized access, disclosure, tampering, and loss. All user data is stored on secure encrypted servers and strictly managed by authorized staff only.
User data will be retained for the duration of the service term plus a statutory retention period required by Nigerian laws and financial regulatory rules. After the retention period expires, we will completely delete or anonymize your data.
5. Third-Party Service Providers
Our website may use third-party tools including Google Analytics, Google Ads, WhatsApp Business, and website caching services. These third parties may collect anonymous browsing data for traffic statistics and advertising optimization.
No sensitive personal identification data will be shared with third-party platforms. All third-party services comply with global data protection and Nigerian local regulatory requirements.
6. User Rights
In accordance with the Nigeria Data Protection Act, you have the right to access, check, correct, and request the deletion of your personal data stored by us. You may also withdraw your data usage authorization at any time by contacting our official customer channel.
7. Cookies Policy
Our website uses Cookies to record user browsing preferences, optimize page loading speed, and improve service experience. You can adjust your browser settings to refuse Cookies, but this may affect partial website function access.
8. Policy Updates
We reserve the right to update this Privacy Policy in accordance with regulatory updates and business adjustments. The updated policy will be published on our official website, and the revised content will take effect immediately upon publication.
9. Contact Us
If you have any questions, disputes, or requests regarding our Privacy Policy and data processing, please contact us via:
ALHERI LENDING COMPANY LTD
Office Address: No. 360 Airport Road, Kano State, Nigeria