At Stremvans Investment LTD ("SIL," "we," "our," or "us"), we are committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you use our digital lending services ("Services") via our website, applications, or any other platform that we operate.

By using our Services, you consent to the collection and use of your information as described in this Privacy Policy. Please read this Privacy Policy carefully to understand how we handle your personal data.

1. Information We Collect

We collect personal information from you when you use our Services, apply for a loan, or interact with our website or application. The types of information we collect include:

●       Personal Identification Information:

○       Name

○       Address

○       Date of birth

○       Email address

○       Phone number

○       National Identification Number (or other government-issued IDs)

○       Social security number (where applicable)

○       Employment details

●       Financial Information:

○       Bank account details

○       Income and employment history

○       Credit history and score

○       Loan application details (amount requested, loan term, etc.)

○       Repayment history

●       Device and Usage Information:

○       IP address

○       Browser type and version

○       Operating system

○       Device identifiers

○       Usage data (such as pages visited, time spent, and interactions with our Services)

○       Cookies and tracking technologies

●       Other Information:

○       Any other information you provide directly to us, including in response to customer service inquiries or feedback.

2. How We Collect Information

We collect personal information in the following ways:

●       Directly from You:
 When you apply for a loan, create an account, or communicate with us through forms, emails, or customer service interactions.

●       Automatically via Technology:
 When you visit our website or use our mobile applications, we may automatically collect certain technical information, including device and usage data through cookies, web beacons, or other tracking technologies.

●       From Third Parties:
 We may also receive personal information from third-party sources, including credit reporting agencies, data providers, or other financial institutions to help assess your creditworthiness or process your loan application.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

●       Loan Application Processing: To evaluate your loan application, assess your creditworthiness, and approve or deny loans.

●       Account Management: To create, manage, and maintain your user account.

●       Customer Support: To respond to your inquiries, complaints, or requests for assistance.

●       Personalization and Service Improvement: To improve and customize our services, content, and customer experience.

●       Compliance with Legal and Regulatory Obligations: To comply with applicable laws, regulations, and industry standards, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

●       Communication: To send important updates regarding your loan, account, or changes to our policies, terms, or services.

●       Marketing and Promotions (with Consent): To send you promotional emails, offers, or other marketing materials that may be of interest to you. You can opt out of receiving marketing communications at any time.

4. How We Share Your Information

We may share your personal information with third parties in the following situations:

●       Service Providers and Partners: We may share information with third-party vendors, service providers, or business partners who help us operate our business, process payments, conduct credit checks, or provide technical support.

●       Legal and Regulatory Compliance: We may disclose your information if required by law or regulation, or to comply with a legal process such as a subpoena, court order, or government inquiry.

●       Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction.

●       Credit Reporting Agencies: We may share information with credit bureaus to report loan application results, payment history, and other relevant financial data.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

5. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this Privacy Policy, including to comply with legal obligations, resolve disputes, and enforce our agreements. Once your information is no longer needed, we will securely delete or anonymize it.

6. Security of Your Information

We implement reasonable physical, electronic, and managerial safeguards to protect your personal information from unauthorized access, use, or disclosure. While we take steps to secure your data, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee the absolute security of your data.

7. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal data:

●       Access: You can request a copy of the personal information we hold about you.

●       Correction: You can request that we update or correct any inaccurate or incomplete information.

●       Deletion: You can request that we delete your personal information, subject to certain legal exceptions.

●       Opt-out of Marketing Communications: You can opt-out of receiving marketing emails or promotional communications by following the unsubscribe instructions in those communications or by contacting us directly.

●       Withdrawal of Consent: If we rely on your consent to process certain data, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the contact details below.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies (such as web beacons) to improve the functionality of our website and to personalize your experience. Cookies are small data files stored on your device that help us remember your preferences and track your usage patterns. You can control the use of cookies through your browser settings, but disabling cookies may affect your ability to use certain features of our Services.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information as soon as possible.

10. Third-Party Links

Our website may contain links to third-party websites or services. This Privacy Policy applies only to our Services, and we are not responsible for the privacy practices of other websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the "Effective Date" will be updated. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal information.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, or if you would like to exercise your rights, please contact us at:

Stremvans Investment LTD (SIL)
Address: Suite 1024-1025, 3rd Floor Los Angeles Mall along Ahmadu Bello way Mabushi,Abuja

Email: ilesanmi@sticltd.com

Phone No: 08023654085

By using our Services, you acknowledge that you have read, understood, and agree to this Privacy Policy.