Privacy Policy

Flexiti Limited

This Privacy Policy explains how Flexiti Limited collects, uses, stores, and protects personal and business information obtained through our website, loan applications, and related services.

Flexiti Limited is a consumer finance company incorporated in Nigeria with RC No. 8631121 and licensed by the Lagos State Government to operate as a Money Lender.

This Privacy Policy is prepared in line with applicable Nigerian data protection laws and regulations.

INFORMATION WE COLLECT

We may collect personal and business information including, but not limited to:

• Full name
• Contact details such as phone number, email address, and residential or business address
• Identification and verification information
• Employment or business information
• Bank account and payment details
• Information provided in loan applications or supporting documents

We may also collect limited technical information when you visit our website, such as IP address or browser type, for security and website improvement purposes.

HOW WE USE YOUR INFORMATION

We use the information collected to:

• Assess loan applications and determine eligibility
• Process and administer approved loans
• Communicate with applicants and borrowers
• Manage repayments and recovery processes
• Comply with legal and regulatory requirements
• Improve our products and services

Your information is processed only where necessary for the performance of a contract, compliance with legal or regulatory obligations, or other legitimate business purposes.

INFORMATION SHARING AND DISCLOSURE

Flexiti Limited does not sell or trade personal information.

We may share information only where necessary and lawful, including:

• With service providers engaged to support our operations
• With financial institutions for payment and disbursement purposes
• With credit bureaus or verification partners where applicable
• Where required by law, regulation, or lawful authority

Any third parties engaged are required to handle information responsibly and confidentially.

DATA SECURITY

We take reasonable steps to protect personal and business information against unauthorized access, loss, misuse, or disclosure. Access to information is restricted to authorized personnel only.

While we implement appropriate safeguards, no system can be completely secure, and we cannot guarantee absolute security of information transmitted electronically.

DATA RETENTION

Personal and business information is retained only for as long as necessary to fulfill the purposes for which it was collected, including legal, regulatory, and operational requirements.

YOUR RIGHTS

You have the right to:

• Request access to your personal information
• Request correction of inaccurate or incomplete information
• Withdraw consent where applicable, subject to legal, regulatory, and contractual obligations

Requests may be subject to verification before processing.

COOKIES AND WEBSITE USE

Our website may use basic cookies or similar technologies to improve user experience, security and website performance. You may adjust your browser settings to manage cookie preferences.

UPDATES TO THIS PRIVACY POLICY

Flexiti Limited may update this Privacy Policy from time to time. Updated versions will be published on our website. Continued use of our services constitutes acceptance of the updated policy.

CONTACT US

If you have questions, concerns, or complaints regarding this Privacy Policy or how your information is handled, please contact us at:

Email: contact@flexiti.com.ng

Office Address: Plot 6 Block 128B, Remi Olowude Way, Lekki, Lagos