Privacy Notice

1. Who we are

Auxilium Credit Services Limited provides money-lending, credit-advancement and related credit-support services.

2. Information we may collect

Depending on your interaction with us, information may include:

• •Identity information — Name, date of birth and identity-verification information.
• •Contact information — Telephone number, email address and contact address.
• •Employment information — Employer or MDA and information relevant to employment verification.
• •Financial and credit information — Income information, existing obligations and credit information relevant to a lending assessment.
• •Application and loan information — Information relating to loan requests, decisions, disbursement and repayment.
• •Website and support information — Website activity, enquiries, complaints and fraud reports.

3. How we collect information

Information may be received:

• •Directly from you
• •Through an approved application channel such as WACS
• •Through authorised service providers
• •Through credit and identity-verification processes
• •When you contact Auxilium or use this website

4. How we use information

Information may be used to:

• •Verify identity
• •Assess eligibility
• •Assess creditworthiness and repayment capacity
• •Process and administer lending services
• •Communicate with customers
• •Support repayment and customer service
• •Prevent fraud
• •Handle enquiries and complaints
• •Maintain website and service security
• •Meet applicable legal obligations

5. Lawful basis for processing

We process personal information only where an applicable lawful basis permits the processing.

6. When information may be shared

Where appropriate, information may be shared with service providers and other organisations involved in identity verification, credit assessment, application processing, insurance, disbursement, repayment, professional advice or legal / regulatory requirements.

7. Data retention

Personal information is retained only for as long as reasonably necessary for the relevant purpose and applicable legal or regulatory requirements.

8. Your rights

Subject to applicable law, individuals may have rights concerning access, correction, deletion, restriction, objection, withdrawal of consent and complaints regarding their personal data. The NDP Act expressly addresses access, correction, erasure, restriction, consent withdrawal, objections and certain automated decisions.

9. Credit assessment and automated processing

Data may be used as part of the assessment of a loan application.

Where applicable, information about automated processing and relevant customer rights will be provided in accordance with applicable data-protection requirements.

10. Security

Auxilium uses appropriate organisational and technical measures intended to protect personal information.

Customers should also keep passwords, PINs and OTPs confidential.

11. Cookies and website information

The website may use cookies or similar technologies necessary for website functionality, security and approved analytics or preferences.

12. Changes to this notice

This notice may be updated when services, processing activities or applicable requirements change.

13. Contact us

Auxilium Credit Services Limited

Plot CP3723, Lugbe 1 Extension, Abuja, F.C.T., Nigeria

Privacy enquiries: privacy@auxilium.com