Privacy Policy

1. Introduction
This privacy policy tells you about the information we collect from you when you use our website. In collecting this information, we are acting as a data controller and, by law, we are required to provide you with information about us, about why and how we use your data, and about the rights you have over your data.

1.1 Who are we?
Whitecrust Finance Company Ltd is a finance company. Our office is located at 402, Ikorodu Road Ojota, Lagos Nigeria. You can contact us by post at the above address, by email at info@whitecrust.co or by telephone on 07026198185
We are required to have a data protection officer, for any enquiries about our use of your personal data should be addressed to the contact details below.
The contact details of our Data Protection Officer are:
Michael Abegunde
mabegunde@whitecrustfinance.com
402, Ikorodu Road Ojota Lagos
0805-331-3850

2. How we use your information

2.1 When you use our website
When you use our website to browse our products and services and view the information, we make available, a number of cookies are used by us and by third parties to allow the website to function, to collect useful information about visitors and to help to make your user experience better. Some of the cookies we use are strictly necessary for our website to function, and we do not ask for your consent to place these on your computer. These cookies are shown below.

However, for those cookies that are useful but not strictly necessary we will always ask for your consent before placing them.
As well as the cookies we use, various third parties also place them on your computer, again with your consent.

2.2 When you submit an enquiry via our website
When you submit an enquiry via our website, we ask you for your name, contact telephone number and email address.

We use this information to respond to your query, including providing you with any requested information about our products and services. We may also email you several times after your enquiry in order to follow up on your interest and ensure that we have answered your it to your satisfaction.

We will do this based on our legitimate interest in providing accurate information prior to a sale. Your enquiry is stored and processed and may be disclosed to:

Other Branches of Whitecrust Finance Company Ltd.

Any regulatory, supervisory, governmental, or quasi-governmental authority with jurisdiction over Whitecrust Finance Company Ltd.
Any agent, contractor or third-party service provider, professional adviser, or any other person under a duty of confidentiality to Whitecrust Finance Company Ltd.
Credit reference agencies and, in the event of default, debt collection agencies.
Any actual or potential participant or sub-participant in, assignee, novate or transferee of any of the Whitecrust Finance Company Ltd rights and/or obligations in relation to you.
Any financial institution with which Whitecrust Finance Company Ltd. has or proposes to have dealings.

We do not use the information you provide to make any automated decisions that might affect you. We keep enquiry emails for two years, after which they are securely archived and kept for seven years, when we delete them. CRM records are kept for three years after the last contact with you.

2.3 When you apply for loan from our website
When you apply for loan online, we ask you for your name, address, contact telephone number, email address and card information. We also record your IP (Internet Protocol) address, which is the address of your computer on the Internet.

We will use your information to verify your employment details to process your loan before disbursement. We will also send you an offer letter via email and we may use your telephone number to contact you regarding your loan.
We require this information in order to process your request, deliver your products or services and fulfil our contract with you.

Your information is stored on our website and on our cloud server, both of which are based within the Nigerian Union. Your card details are passed to a third-party payment processor (NIBSS) which is based in the Nigeria and with whom we have a contractual agreement which provides effective safeguards for your information.

We do not retain your card information. We do not use the information you provide to make any automated decisions that might affect you.
We keep your loan information for the period that is allowed by law.

2.4 When you make enquiry about investment on our website
When you make an investment enquiry online, we ask you for your name, address, contact telephone number and email address. We also record your IP (Internet Protocol) address, which is the address of your computer on the Internet.

2.5 Your rights as a data subject
By law, you can ask us what information we hold about you, and you can ask us to correct it if it is inaccurate. If we have asked for your consent to process your personal data, you may withdraw that consent at any time.

If we are processing your personal data for reasons of consent or to fulfil a contract, you can ask us to give you a copy of the information in a machine-readable format so that you can transfer it to another provider.

If we are processing your personal data for reasons of consent or legitimate interest, you can request that your data be erased. You have the right to ask us to stop using your information for a period of time if you believe we are not doing so lawfully.

Finally, in some circumstances you can ask us not to reach decisions affecting you using automated processing or profiling. To exercise these rights, kindly contact us on the contact details provided above in the ‘Who we are section’ of the privacy policy.

2.6 Your right to complain
If you have a complaint about our use of your information, we would prefer you to contact us directly in the first instance so that we can address your complaint. However, you can also contact the Data Protection Commission via their website https://ndpc.gov.ng or write to them at:

Data Protection Commission
No.12 Clement Isong Street,
Asokoro,
Abuja.

2.7 Updates to this privacy policy
We regularly review and, if appropriate, update this privacy policy from time to time, and as our services and use of personal data evolves. If we want to make use of your personal data in a way that we have not previously identified, we will contact you to provide information about this and, if necessary, to ask for your consent.

This document was updated on 20/06/2024