Privacy Policy

1. Introduction

Mos Rola Enterprise Limited ("we", "us", "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 visit our website, apply for our services, or interact with us.

We are registered in Nigeria and comply with the Nigeria Data Protection Regulation (NDPR) and all applicable data protection laws.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, residential address, date of birth, and government-issued ID.
• Business Information: Business name, registration number, business address, tax identification number, and business bank details.
• Financial Information: Bank statements, income details, credit history, and transaction data.
• Technical Information: IP address, browser type, device information, cookies, and usage data.
• Communication Data: Records of your interactions with us, including emails, phone calls, and chat messages.

3. How We Use Your Information

We use your information for the following purposes:

• To process and evaluate loan applications
• To provide and manage our services
• To communicate with you about your application and account
• To improve our website and services
• To comply with legal and regulatory requirements
• To detect and prevent fraud
• To send you marketing communications (with your consent)

4. Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Contractual Necessity: To fulfil our obligations to you.
• Legal Compliance: To comply with laws and regulations.
• Legitimate Interest: To improve our services and prevent fraud.
• Consent: For marketing and optional data collection.

5. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Third-party vendors who help us deliver our services (e.g., payment processors, IT support, legal advisors).
• Regulatory Authorities: When required by law or regulation.
• Business Partners: With your explicit consent.
• Credit Bureaus: For credit assessment and reporting.

6. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting, and reporting requirements.

• Active Clients: Data is retained for the duration of your relationship with us and for up to 7 years after your last transaction.
• Prospective Clients: Data is retained for 12 months after your last interaction.
• Marketing Data: Retained until you withdraw your consent.

7. Your Rights

Under the NDPR, you have the following rights:

• Right to Access: Request a copy of your personal data.
• Right to Rectification: Correct inaccurate data.
• Right to Erasure: Request deletion of your data (subject to legal obligations).
• Right to Restriction: Limit how we use your data.
• Right to Object: Object to certain processing activities.
• Right to Data Portability: Request your data in a machine-readable format.
• Right to Withdraw Consent: Withdraw consent for marketing communications.

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These include:

• Encryption of data in transit and at rest
• Access controls and authentication measures
• Regular security assessments and audits
• Staff training on data protection
• Secure data storage and backup systems

9. Cookies

We use cookies to enhance your experience on our website. For detailed information about our use of cookies, please refer to our Cookie Policy.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated policy on this page with a revised "Last Updated" date.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us at: