1. Who we be
Carcelerate Nigeria Limited, RC 1892044, for 9 Kudirat Abiola Way, Oregun, Ikeja, Lagos. Na we dey in charge of all the data wey we talk about here. You fit reach our data protection officer for 0700 227 2000 or for [email protected].
2. Wetin we dey collect
Who you be: your name, your date of birth, your picture, BVN, NIN and your driver licence.
Money matter: three months of bank or mobile money statement, your bank account details, your record for credit bureau, and every payment wey you pay us.
Documents: the pictures wey you send us, and the result of the checks wey computer run on them.
Location: where the motor dey, while you still dey pay for am. We dey keep the positions for 90 days, then we go delete dem.
Guarantors: the names and phone numbers wey you give us, and wetin dem answer us.
3. Why we dey collect am, and the law wey allow us
To decide on your application — we need am to do wetin you ask before we enter agreement.
To confirm who you be and to stop fraud — na wetin law say we must do, and na correct interest wey we get.
To collect payment — we need am to carry out the agreement.
To know where the motor dey, as e still be our property until the last payment — na correct interest wey we get, and you go agree to am separate before we start.
To contact your guarantors if you fall back — na correct interest wey we get, and you go agree to am separate.
4. Who we dey share am with
CRC Credit Bureau, to check your credit record and to report how you dey pay.
NIBSS and NIMC, to confirm your BVN and NIN.
Paystack, to set up and collect your monthly payment.
Our insurance company, to cover the motor.
Our tracking company, wey dey keep the positions of the motor for us.
Your two guarantors, wey we go only tell say you don fall back, and dem no go ever see your figures.
We no dey sell your data. We no dey share am for advert. Never.
5. How long we dey keep am
Your application and your payment record: seven years after the agreement end, na the time wey law say we must keep am as lender.
Where the motor don dey: 90 days.
Application wey you start but no finish: 30 days, then we go delete am.
Your face picture and your ID documents: seven years after the agreement end.
6. The rights wey NDPR give you
You fit ask for copy of everything wey we get about you. We go answer within 30 days and we no go charge you for am.
You fit ask us to correct anything wey no correct.
You fit ask us to delete your data, and we go do am, except where law say we must keep am.
You fit take back agreement wey you don give — for tracking, or for contacting your guarantors — but if you do am, e fit mean say we no go fit continue the agreement. We go tell you clear clear wetin go happen before you decide.
You fit object to decision wey computer make about you, and ask make person look am instead.
7. How you fit use those rights
Call 0700 227 2000, send us WhatsApp message for 0803 900 4417, email [email protected], or come the office. You no need write formal letter and you no need lawyer.
8. To complain to the government body
If you no happy with how we handle your data, you fit complain to the Nigeria Data Protection Commission. You no must first come meet us, but we go prefer make you come so we fit fix am.
9. If we change this notice
If we change how we dey use your data, we go send you text message before the change start, no be to quietly change this page.