Privacy Policy
Last Updated: January 1, 2024
SureBucks Business Loans ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Partner Portal.
Important: By using our services, you consent to the collection and use of information in accordance with this policy.
1. Information We Collect
1.1 Personal Information
We collect information that you provide directly to us, including:
- Business name and registration details
- Contact information (email, phone number, address)
- Tax identification numbers
- Bank account details for payment processing
- KYC documentation (ID cards, certificates, etc.)
1.2 Client Information
When you submit loan applications on behalf of clients, we collect:
- Client business information
- Financial data and bank statements
- Credit history information
- Employment and income details
1.3 Technical Information
We automatically collect certain information when you use our platform:
- IP address and device information
- Browser type and version
- Usage patterns and access times
- API usage logs
2. How We Use Your Information
We use the collected information for:
- Processing and managing partner accounts
- Evaluating and processing loan applications
- Verifying identity and preventing fraud
- Communicating about services and updates
- Improving our platform and services
- Complying with legal and regulatory requirements
- Generating analytics and business insights
3. Information Sharing
We may share your information with:
- Credit Bureaus: For credit checks and reporting
- Financial Partners: For loan processing and disbursement
- Service Providers: Who assist in our operations
- Regulatory Authorities: As required by law
- Legal Entities: In response to legal processes
We do not sell your personal information to third parties for marketing purposes.
4. Data Security
We implement robust security measures to protect your data:
- AES-256 encryption for sensitive data
- Secure HTTPS connections
- Regular security audits and penetration testing
- Access controls and authentication mechanisms
- Employee training on data protection
5. Data Retention
We retain your information for as long as:
- Your account remains active
- Required to provide our services
- Necessary to comply with legal obligations
- Needed to resolve disputes and enforce agreements
6. Your Rights
You have the right to:
- Access: Request a copy of your personal data
- Correction: Request correction of inaccurate data
- Deletion: Request deletion of your data (subject to legal requirements)
- Portability: Request transfer of your data
- Objection: Object to certain processing activities
7. Cookies and Tracking
We use cookies and similar technologies to:
- Maintain your session and preferences
- Analyze platform usage
- Enhance security
You can control cookie settings through your browser preferences.
8. Third-Party Services
Our platform integrates with third-party services including:
- Mono (for bank statement analysis)
- Payment processors (Paystack, Flutterwave)
- Analytics services
These services have their own privacy policies governing data use.
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from minors.
10. International Data Transfers
Your information may be transferred to and processed in countries other than Nigeria. We ensure appropriate safeguards are in place for such transfers.
11. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of significant changes via email or platform notification. Continued use of our services after changes constitutes acceptance of the updated policy.
12. Contact Us
For privacy-related inquiries or to exercise your rights, contact us at:
- Email: privacy@surebucks.com
- Phone: +234 800 SUREBUCKS
- Address: SureBucks Business Loans, Lagos, Nigeria
13. Data Protection Officer
Our Data Protection Officer can be reached at: dpo@surebucks.com