Information We Collect
We collect various types of information to provide our digital
lending, Buy Now, Pay Later (BNPL), Merchant Acquisition, and
Agent Acquisition services across all channels. These types of
information include:
1. Personal Information: We may collect personal
information, including but not limited to your name, contact
details, date of birth, Bank Verification Number (BVN), National
Identification Number (NIN), and other identification information
when you interact with us. This information helps us identify and
authenticate you as a user, regardless of the channel.
2. Financial Information:
To evaluate your eligibility for our loan and BNPL services, we
may collect financial information, including bank account details,
credit history, and transaction data, through any of our channels.
This information is essential for assessing your financial
capability and ensuring responsible lending practices.
3. Website Usage Information:
When you visit our website or engage with us on social media
channels (such as Instagram or Facebook), we may automatically
collect information about your interactions with our platform.
This may include your IP address, browser type, device
information, and the pages you visit. We use this information to
enhance your user experience and to optimize our website's
performance.
4. USSD and Email Interactions:
If you engage with us through USSD or email, we may collect
relevant information to process your requests and provide customer
support.
5. Merchant and Agent Information:
If you are a merchant or agent partnering with us, we may collect
business-related information such as your business name, tax
identification number, financial transactions, and performance
data through any of our channels. This data is crucial for
managing our partnerships effectively.
How We Use Your Information
We use the information we collect for various purposes across all
channels, including, but not limited to:
1. Providing Financial Services:
We process loan applications, offer BNPL services, and facilitate
financial transactions through various channels. Your personal and
financial information is used to assess eligibility, underwrite
loans, and manage repayment.
2. Improving Our Services:
We analyze information collected from all channels to enhance and
optimize our website, products, and services based on user
preferences and feedback. This includes improving our user
interface, introducing new features, and addressing technical
issues.
3. Compliance and Security:
We take data privacy and security seriously across all channels.
Your information is used to comply with legal requirements, detect
and prevent fraud, and protect the security of our users and our
platform. This includes monitoring and auditing transactions for
unusual activiy
4. Communication:
We may communicate with you through email, social media channels
(such as Instagram or Facebook), USSD, or other channels about
your account, provide updates to our services, and offer
promotional information related to our financial products and
services. You have the option to opt-out of marketing
communications.
Sharing Your Information
We may share your personal information with third parties across
all channels under the following circumstances:
1. Service Providers:
We may share your information with trusted third-party service
providers who assist us in providing our services through various
channels. These include payment processors, credit bureaus,
customer support providers, and data analytics firms. We ensure
that these third parties adhere to strict data protection and
security standards.
2. Business Partners:
If you are a merchant or agent partnering with us, we may share
your information with our business partners for purposes related
to your partnership with Prime Avis across all channels. This may
include sharing performance data and transaction information.
3. Legal Obligations:
We may disclose your information to comply with legal
requirements, respond to subpoenas, court orders, or other legal
processes.
Your Choices
You have certain rights and choices regarding your personal
information across all channels:
1. Access and Correction:
You have the right to request access to and correction of your
personal information in our possession. We will make reasonable
efforts to ensure the accuracy of your data.
2. Opt-out:
You can opt-out of receiving marketing communications from us
across all channels at any time. We respect your preferences
regarding promotional material.
3. Data Deletion:
You can request the deletion of your account and associated
personal data across all channels, subject to legal obligations.
Upon account deletion, we will securely dispose of your
information, as permitted by law.
Security
We employ robust security measures to protect your personal
information from unauthorized access, disclosure, alteration, or
destruction across all channels. Our security practices include
encryption, access controls, regular security audits, and employee
training. However, it's important to note that no data
transmission over the internet or storage method is entirely
secure, and we cannot guarantee absolute security.
Changes to this Privacy Policy
We may update this Privacy Policy periodically to reflect changes
in our practices and services across all channels. We will notify
you of any significant changes through our website, social media
channels, email, USSD, or other means.
Contact Us
If you have questions or concerns about this Privacy Policy or our
data practices across all channels, please contact us at:
Prime Avis Investment Services Limited Address:
Conclusion
By using any of our channels and services, you acknowledge that
you have read and understood this Privacy Policy. Your continued
use of our services across all channels constitutes your
acceptance of this Privacy Policy and any updates made to it. We
appreciate your trust in Prime Avis, and we are dedicated to
safeguarding your privacy and providing a secure and transparent
digital lending experience across all channels in Nigeria.
Terms of Use
Acceptance of Terms
By accessing or using Prime Avis Investment Services Limited's
website, products, and services (referred to as "Prime Avis,"
"we," "our," or "us"), you agree to comply with and be bound by
the following Terms of Use ("Terms"). If you do not agree to these
Terms, please do not use our website or services.
Use of Services
1. Eligibility:
You must be at least [insert age] years old and capable of
entering into legally binding agreements to use our services. If
you are using our services on behalf of a company or organization,
you represent that you have the authority to bind that entity to
these Terms.
2. Account:
To access certain features and services, you may need to create an
account with Prime Avis. You are responsible for maintaining the
security of your account credentials and for all activities that
occur under your account.
3. Prohibited Activities:
You agree not to engage in any of the following activities:
Violating any applicable laws or regulations.
Attempting to interfere with the proper functioning of our
services.
Accessing or using our services in any way that could harm,
damage, or impair our systems or other users.
·Using our services for any unlawful, fraudulent, or malicious
purposes.
4. User Content: Any content you submit, post, or transmit through
our services, including comments, reviews, or other interactions,
must comply with our content guidelines. We reserve the right to
remove or modify user content that violates these guidelines.
Privacy and Data Protection
Please refer to our Privacy Policy for information about how we
collect, use, and protect your personal information.
Intellectual Property
1. Ownership:
All content, trademarks, logos, and intellectual property displayed
on our website or provided through our services are the property of
Prime Avis or its licensors and are protected by copyright and other
intellectual property laws.
2. Use of Content:
You may access and use our content for personal, non-commercial
purposes. Any other use, including reproduction, modification,
distribution, or public display, is prohibited without our prior
written consent.
Termination
We reserve the right to terminate or suspend your access to our
services at our sole discretion, without notice, for any reason,
including but not limited to violation of these Terms.
Disclaimers
1. No Warranty:
We provide our services "as is" and "as available" without any
warranties or guarantees. We do not warrant that our services will
be error-free, secure, or continuously available.
2. Limitation of Liability:
Prime Avis shall not be liable for any direct, indirect,
incidental, special, consequential, or punitive damages, or any
loss of profits or revenues, whether incurred directly or
indirectly, arising from your use or inability to use our
services.
Governing Law
These Terms are governed by and construed in accordance with the
laws of Nigeria. Any disputes arising from or relating to these
Terms shall be subject to the exclusive jurisdiction of the courts
in Nigeria.
Changes to Terms
We reserve the right to update and modify these Terms at any time.
Any changes will be posted on our website, and it is your
responsibility to review these Terms periodically. Your continued
use of our services after the posting of changes constitutes your
acceptance of those changes.
Conclusion
By using our website and services, you acknowledge that you have
read, understood, and agreed to these Terms of Use. Your
compliance with these Terms is essential for a positive and secure
experience with Prime Avis Investment Services Limited.
Cookie Policy
This Cookie Policy explains how Prime Avis Investment Services
Limited ("Prime Avis," "we," "our," or "us") uses cookies and
similar technologies on our website. By using our website, you
consent to the use of cookies as described in this policy.
What Are Cookies?
Cookies are small text files that are stored on your computer or
mobile device when you visit a website. They are widely used to
enhance your browsing experience by remembering your preferences,
analyzing website performance, and providing personalized content.
Types of Cookies We Use
1. Essential Cookies:
These cookies are necessary for the proper functioning of our
website and cannot be disabled. They enable you to navigate the
site and use its essential features, such as accessing secure
areas and making transactions.
2. Analytical/Performance Cookies:
These cookies help us understand how visitors interact with our
website by collecting information about page views, the number of
visitors, and user behavior. We use this data to improve our
website's performance and user experience.
3. Functional Cookies:
These cookies allow our website to remember your choices and
preferences, such as language settings and user-specific features.
They enhance your experience by providing personalized content.
4. Targeting/Advertising Cookies:
We may use these cookies to display targeted advertisements based
on your browsing habits and interests. These cookies may also be
used by third-party advertisers to track the effectiveness of
their ads.
How to Manage Cookies
You can control and manage cookies through your browser settings.
Most browsers allow you to accept, reject, or delete cookies.
Please note that if you choose to disable cookies, certain
features of our website may not function correctly. For specific
instructions on how to manage cookies in your browser, please
refer to your browser's documentation.
Third-Party Cookies
Some cookies used on our website may be placed by third-party
service providers, such as analytics providers and advertisers.
These third parties may collect information about your online
activities over time and across different websites.
We do not control these third-party cookies, and their use is
subject to the privacy policies and cookie policies of the
respective third parties. We recommend reviewing these policies
for more information on how your data is processed.
Changes to this Cookie Policy
We may update this Cookie Policy to reflect changes in our
practices or for other operational, legal, or regulatory reasons.
Any changes will be posted on our website with an updated
"Effective Date."
Contact Us
If you have any questions or concerns about this Cookie Policy or
our use of cookies,please contact us at:
Prime Avis Investment Services Limited
Conclusion
By using our website, you acknowledge that you have read and
understood this Cookie Policy. Your continued use of our website
constitutes your acceptance of the use of cookies as described
herein. We value your privacy and are committed to providing you
with a transparent and enjoyable online experience.
