This document is prepared in accordance with the provisions of the Nigeria Data Protection Act,2023 and the Nigeria Data Protection Regulation (NDPR). It sets out how Creditpal Limited applies and complies with the principles of the act and regulation in processing the personal data of individuals, clients, vendors, and even third parties that interact with Creditpal Limited. This privacy policy describe how we collect and process your personal information through your use of our data collection forms/website (“the site”) and the account you open with us (“Account”), to create account profile, to ensure security of the website and to enable you use our products. The primary purpose of this policy is to provide you with better understanding of:

1. Collected Information

The following information may be collected: 

1. Personal Data

Personal information you voluntarily provide to us, such as:

1. Name
2. Email address
3. Phone number
4. email address
5. Payment information (where applicable)
6. Academic records
7. Age
8. Gender

1. Non-Personal Data

We may also collect non-personally identifiable information such as:

• Browser type and version
• Device information
• IP address
• Pages visited on our website
• Time spent on pages

2. Use of Information

We may use the information we collect for various purposes, including:

• To provide and maintain our services
• To improve user experience on our website
• To process transactions
• To process student registration, admission and other academic related operations
• To send you marketing and promotional materials 
• To send you educational materials
• To respond to customer service requests or questions
• To comply with legal obligations

3. Sharing Information

We may share your information with third parties, including:

• Service Providers: Third-party vendors that assist us in operating our website, conducting our business, or servicing you.
• Legal Compliance: We may disclose your information if required to do so by law or in response to a valid request by public authorities.

4. Cookies and Tracking Technologies

We may use cookies, web beacons, tracking pixels, and other tracking technologies to collect and store information about your browsing habits. This helps us provide a more personalized experience on our website.

Cookies may be disabled through your browser settings, but this may affect the functionality of our website.

5. Data Security

We use administrative, technical, and physical security measures to protect your personal information. However, no security measures are 100% secure, and we cannot guarantee the security of your information.

6. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of those websites.

7. Your Data Protection Rights

Depending on your location, you may have the following rights:

• Right to Access: You have the right to request copies of your personal data.
• Right to Rectification: You have the right to request correction of inaccurate or incomplete information.
• Right to Erasure: You have the right to request deletion of your personal data under certain conditions.
• Right to Restrict Processing: You have the right to request restriction on the processing of your data.
• Right to Object: You have the right to object to the processing of your data.
• Right to Data Portability: You have the right to request the transfer of your data to another organization or directly to you.
• Right to withdraw consent. You have a right to withdraw your consent for the processing of your data.

To exercise any of these rights, please contact us at:

9. Changes to This Privacy Policy

e may update this Privacy Policy from time to time. We will notify you of any changes by updating the “Last Updated” date at the top of this Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

10. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at hello@prmpdigital.com