Privacy Policy

1. Introduction

Greenbridge Digital Ventures Ltd ("Greenbridge," "we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our lending platform and services.

We comply with all applicable data protection laws in Nigeria, including the Nigeria Data Protection Regulation (NDPR).

2. Information We Collect

We collect several types of information to provide and improve our services:

Personal Information

• chevron_rightFull name, date of birth, and contact information
• chevron_rightBank Verification Number (BVN) or National Identity Number (NIN)
• chevron_rightBank account details for loan disbursement and repayment
• chevron_rightBusiness registration documents and tax identification
• chevron_rightAddress and location information

Business Information

• chevron_rightBusiness name, type, and registration details
• chevron_rightEvent booking history and client references
• chevron_rightFinancial records and transaction history
• chevron_rightPortfolio photos and work samples

Technical Information

• chevron_rightIP address and device information
• chevron_rightBrowser type and operating system
• chevron_rightUsage patterns and interaction data

3. How We Use Your Information

We use your information for the following purposes:

• chevron_rightLoan Assessment: Evaluate your creditworthiness using our proprietary credit-scoring model
• chevron_rightService Delivery: Process loan applications and disburse funds
• chevron_rightVerification: Verify your identity and business information
• chevron_rightCommunication: Send updates about your loan applications and account
• chevron_rightFraud Prevention: Detect and prevent fraudulent activities
• chevron_rightLegal Compliance: Comply with regulatory requirements and legal obligations
• chevron_rightService Improvement: Analyze data to improve our services

4. Sharing Your Information

We do not sell your personal data. We may share your information only in the following circumstances:

• chevron_rightService Providers: Third parties who assist in operating our platform (with strict data protection agreements)
• chevron_rightCredit Bureaus: Reporting credit information to licensed credit bureaus as required by law
• chevron_rightRegulatory Authorities: When required by law or regulatory authorities
• chevron_rightBusiness Transfers: In connection with a merger, acquisition, or sale of assets
• chevron_rightWith Consent: When you explicitly consent to the sharing

5. Data Security

We implement robust security measures to protect your information:

• chevron_rightSSL/TLS encryption for data transmission
• chevron_rightSecure data centers with restricted access
• chevron_rightRegular security audits and vulnerability assessments
• chevron_rightEmployee training on data protection
• chevron_rightCompliance with NDPR security standards

Despite our efforts, no method of data transmission or storage is completely secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your personal data only as long as necessary for the purposes outlined in this policy, unless required by law to retain it longer. Loan-related records are retained for at least 6 years after loan completion in compliance with regulatory requirements.

When your data is no longer needed, it is securely deleted or anonymized in accordance with applicable laws and regulations.

7. Your Rights

Under the Nigeria Data Protection Regulation, you have the right to:

• chevron_rightAccess: Request access to your personal data
• chevron_rightCorrection: Request correction of inaccurate or incomplete data
• chevron_rightDeletion: Request deletion of your personal data (subject to legal obligations)
• chevron_rightObjection: Object to processing of your personal data
• chevron_rightPortability: Request transfer of your data to another service
• chevron_rightRestriction: Request restriction of data processing

To exercise these rights, please contact us through our platform. We will respond to your request within 30 days as required by law.

8. Cookies and Tracking

We use cookies and similar technologies to improve your experience, analyze usage, and assist in our marketing efforts. You can control cookie settings through your browser preferences.

9. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not intended for persons under 18 years of age. We do not knowingly collect information from children. If you become aware that a child has provided us with personal data, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Last Updated" date. We encourage you to review this policy periodically.