Privacy Policy

Who we are

Company Name:

Dignity Finance and Investment Ltd

Head Office: 5, B.O.W Maferi Close, Off O.P. Fingesi Street, Utako, Abuja, Nigeria.

RC Number: 340571

1. Introduction

Dignity Finance and Investment Ltd (“Dignity Finance,” “DFIL”, “we,” “our,” or “us”) is committed to protecting your privacy and personal data in accordance with the Nigeria Data Protection Act (NDPA) 2023. This policy outlines how we collect, use, disclose, retain, and secure your personal information.

By interacting with us, you agree to the terms of this Privacy Policy.

2. Scope

This policy applies to all individuals whose personal data we collect and process in the course of providing financial and investment services, including:

Clients and prospective clients
Website users
Employees and job applicants
Vendors and service providers

3. Legal Basis for Processing

We process personal data in accordance with the Nigeria Data Protection Act (NDPA) 2023 and based on the following lawful bases:

Consent
Contractual necessity
Legal obligation
Legitimate interest
Vital interest

4. Personal Data We Collect

We collect the following categories of personal data:

a. Identification and Contact Data:

Full name, date of birth, nationality
National Identification Number (NIN), BVN
Residential and business addresses
Phone number and email

b. Financial Data:

Bank account information
Credit history and credit score
Investment and loan details
Income and employment status

c. Online Data:

IP address and browser data
Device information and location
Website usage behavior (via cookies)

d. Sensitive Data (when required):

Biometric data (e.g., for KYC compliance)
Religion, gender, and health (only if relevant and with consent)

5. How We Collect Your Data

We may collect your data through:

Application forms and KYC processes
Direct communications (calls, emails, messages)
Our website and digital platforms
Third-party credit bureaus and financial institutions
CCTV footage within our premises

6. Purpose of Data Collection

We use your personal data for the following purposes:

To verify identity and perform KYC/AML compliance
To assess creditworthiness and provide loans or investments
To manage your accounts and transactions
To communicate service updates, offers, or account status
To meet regulatory and legal obligations
To analyze market trends and improve our services
To detect and prevent fraud or unauthorized activity

7. Sharing and Disclosure

We may share your data with:

Regulatory authorities (e.g., CBN, NFIU, NDPC, EFCC)
Credit bureaus (e.g., CRC, FirstCentral)
Partner financial institutions or cooperative societies
Third-party service providers (IT, legal, audit)
Our affiliates, agents, or subsidiaries (if applicable)

All third parties are contractually obligated to handle your data with confidentiality and in accordance with data protection laws.

8. International Data Transfers

We do not transfer your personal data outside Nigeria unless:

You have given explicit consent
The receiving country offers adequate data protection
Appropriate safeguards (e.g., standard contractual clauses) are in place

9. Data Retention

We retain your personal data:

For as long as is necessary to fulfill the purpose for which it was collected
As required by applicable financial, legal, and regulatory obligations
Typically, financial and transaction records are retained for 6 years

After this period, data is securely deleted or anonymized.

10. Your Rights Under Nigeria Data Protection Act (NDPA) 2023

You have the following rights:

Right to Access – Request copies of your personal data
Right to Rectification – Correct inaccurate or incomplete data
Right to Erasure – Request deletion of your data (subject to legal obligations)
Right to Object – Object to processing based on legitimate interest or marketing
Right to Data Portability – Obtain your data in a structured format
Right to Withdraw Consent – Withdraw consent at any time

To exercise these rights, email us at: info@dignityfinanceltd.com

11. Data Security Measures

We implement appropriate technical and organizational measures to protect your data, including:

Secure servers and encrypted databases
Firewalls and intrusion detection systems
Access control and data classification
Employee confidentiality agreements and training

12. Data Breach Notification

In the event of a data breach that is likely to result in significant risk to your rights, we will notify the Nigeria Data Protection Commission (NDPC) and affected individuals within the timelines required by law.

13. Use of Cookies (Website Visitors)

We use cookies to personalize content, improve user experience, and analyze traffic on our website. By using our site, you consent to our use of cookies as detailed in our Cookie Policy.

You may disable cookies in your browser settings.

14. Third-Party Links

Our website may include links to external sites. We are not responsible for the privacy practices of these third parties. We recommend reviewing their respective privacy policies.

15. Changes to This Policy

We reserve the right to amend this Privacy Policy. Updates will be posted on our website with a revised effective date. Continued use of our services constitutes your acceptance of any changes.

16. Contact Information

If you have any questions or complaints regarding this policy or your data rights, contact:

Data Protection Officer