How CredShield Limited collects, uses and protects your personal information.
Last updated: November 2026
1. Introduction
CredShield Limited (“we”, “us”, “our”) is committed to protecting the privacy and security of personal data entrusted to us by clients, applicants and website visitors. This policy explains what information we collect, why we collect it, how we use it, and the rights you have under applicable Nigerian data-protection law.
2. Information We Collect
We may collect:
Identity and contact data (name, address, phone, email, NIN or other ID numbers)
Financial and employment data (income, bank statements, employer details, business records)
Credit and transaction data necessary for assessment and loan administration
Technical data from website use (IP address, browser type, pages visited)
Communications you send to us
3. How We Use Your Information
We use personal data to:
Assess loan applications and make credit decisions
Administer accounts, process payments and manage collections
Comply with legal and regulatory obligations (including KYC/AML)
Communicate with you about your application or account
Improve our services and website experience
Prevent fraud and protect our legitimate interests
4. Sharing of Information
We may share data with credit bureaus, identity-verification providers, payment processors, professional advisors, and regulators when required by law or necessary to perform our contract with you. We do not sell personal data to third parties for marketing.
5. Data Security
We implement appropriate technical and organisational measures to protect personal data against unauthorised access, loss or destruction. Access is limited to staff and partners who need the information to perform their roles.
6. Your Rights
Subject to applicable law, you may have the right to access, correct, delete or restrict processing of your personal data, and to object to certain processing. To exercise these rights, contact us using the details on our Contact page.
7. Contact
For privacy-related enquiries, email privacy@credshield.ng or write to our office at Hi Life Estate, Ogombo Road, Lekki, Lagos, Nigeria.
