This Privacy Policy explains how Pixe Finance Limited (“Pixe,” “we,” “us,” “our”) collects, uses, discloses, and protects your personal data when you visit our website or use our services.
1. Information We Collect
We may collect the following types of personal data:
- Identity Data: full name, date of birth, BVN, NIN, government-issued ID details.
- Contact Data: email address, phone number, residential address.
- Financial Data: bank account details, transaction history, income information.
- Technical Data: IP address, browser type, device information, usage data collected automatically when you visit our website.
2. How We Use Your Information
We use your personal data for the following purposes:
- To process your financing application and manage your account.
- To verify your identity through BVN, NIN, and other government-issued ID checks.
- To assess your creditworthiness and determine financing terms.
- To communicate with you about your application, repayments, and account status.
- To comply with legal and regulatory obligations under Nigerian law.
- To detect and prevent fraud, money laundering, and other illegal activities.
3. Legal Basis for Processing
We process your personal data based on the following legal grounds:
- Consent: You have given clear consent for us to process your personal data for a specific purpose.
- Contract: Processing is necessary for the performance of a contract with you (e.g., to provide financing services).
- Legal Obligation: Processing is necessary for compliance with a legal obligation to which we are subject (e.g., CBN regulations, NDPR).
- Legitimate Interests: Processing is necessary for our legitimate business interests, such as fraud prevention and network security.
4. Data Sharing and Disclosure
We may share your personal data with:
- Credit Bureaus: CRC Credit Bureau, CreditRegistry, FirstCentral — for credit assessment and reporting purposes.
- Payment Partners: Paystack, Monnify, and other payment processors for transaction processing.
- Identity Verification Services: Dojah, Diːkrɪpt, and other KYC/AML service providers for identity verification.
- Regulatory Authorities: CBN, FCCPC, NDPC, and other applicable regulatory bodies as required by law.
- Partner Stores: Our network of retail partners for order fulfilment and customer service.
5. Data Retention
We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for the satisfaction of any legal, accounting, or reporting requirements. Generally, we retain customer data for a period of six (6) years after the end of our business relationship, in compliance with Nigerian regulatory requirements.
6. Your Rights
Under the Nigeria Data Protection Regulation (NDPR) and other applicable laws, you have the following rights:
- Right of Access: Request a copy of the personal data we hold about you.
- Right to Rectification: Request correction of inaccurate or incomplete data.
- Right to Erasure: Request deletion of your personal data, subject to legal retention obligations.
- Right to Restrict Processing: Request restriction of processing in certain circumstances.
- Right to Data Portability: Request transfer of your data to another service provider.
- Right to Object: Object to processing based on legitimate interests.
To exercise any of these rights, please contact us at support@pixefinance.com.
7. Data Security
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These include encryption of data in transit and at rest, access controls, regular security audits, and staff training on data protection.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of each website you visit.
9. Cookies
Our website uses essential cookies to ensure proper functionality. We do not use tracking or advertising cookies. You can configure your browser to refuse cookies, but this may affect the functionality of our website.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website and updating the “Last updated” date at the top of this page.
11. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:
Email: support@pixefinance.com
Address: Lagos, Nigeria