Welcome to our Privacy Policy page. Here we explain how we handle your personal data when you visit our website.
Cool Financial Services Limited (referred to as "we," "our," "us") respects your privacy and is committed to protecting your Personally Identifiable Information (PII) that may be collected through your use of our website or mobile application (together, "Site") or when applying for or receiving any of our products or services ("Services"). This Privacy Policy ("Policy") outlines how we collect, use, and protect your PII and how you can control its use. By continuing to use our Site, downloading our app, or applying for any of our services, you agree to this Policy.
a. ‘Cool Financial Services Limited’; Refers to the company providing financial services and managing user data as described in this policy.
b. ‘Personally Identifiable Information (PII)’: Refers to any information that can be used to identify an individual, including but not limited to name, address, email address, phone number, financial information, and any other data collected through the use of Cool Financial Services.
c. ‘Services’: Encompasses all products, features, and offerings provided by Cool Financial Services, including but not limited to loan applications, and website usage.
d. ‘Services’: ‘Site’: Refers to the Cool Financial Services website accessible via web browsers.
e. ‘User’: Refers to any individual accessing or using the Cool Financial Services website or services.
f. ‘Terms and Conditions’: Refers to the agreement between the user and Cool Financial Services governing the use of their services, including but not limited to this privacy policy.
g. ‘Transaction’: Refers to any exchange of funds or financial activities conducted through the Cool Financial Services.
h. ‘Data Breach’: Refers to any unauthorized access, disclosure, or acquisition of sensitive user information that may compromise its confidentiality, integrity, or availability.
i. ‘Termination’: The cessation or discontinuation of services provided by Cool Financial Services to the user, either by the user's choice or due to violation of terms and conditions outlined in this policy.
a. This Policy describes how we collect and use your PII and how you can control its use. Please read this Policy carefully.
b. By clicking “Continue” or “Accept” or any other icon indicating agreement with this Privacy Policy, applying for any of our services, you agree to our collection, use, and sharing of your PII as described in this Policy.
c. This Policy applies to visitors to our website and filling of loan forms on the website together with our Terms and Conditions, governs your use of our services.
a. Purpose: We collect PII for specific, legitimate purposes and do not process it in ways incompatible with those purposes.
b. Lawfulness and Fairness: PII is processed lawfully, fairly, transparently, and with respect for individual dignity.
c. Necessity: We collect only the PII necessary for the purposes for which it is processed.
d. Accuracy: We ensure PII is accurate and, where necessary, kept up to date.
e. Duration: We do not retain PII longer than necessary for the purposes for which it was collected.
f. Security: PII is processed securely, using appropriate technical and organizational measures to protect against unauthorized processing and accidental loss.
a. Submitted Information: We collect PII you provide while filling in forms on our Site, corresponding with us, registering to use our Site, downloading or registering the app, subscribing to our services, searching for a service, or participating in promotions or surveys. This may include your name, address, email address, phone number, device information, financial and credit information, personal description, and photograph.
b. Automatically Collected Information: We automatically collect technical information such as your device type, unique device identifiers, mobile network information, operating system, browser type, location data, and usage data from your interactions with our app or Site.
a. We use your information to determine your creditworthiness, provide you with our services, and for internal operations, including troubleshooting, data analysis, testing, research, and statistical purposes.
b. We do not disclose identifiable information to third parties except as required by law or with your consent. We may share anonymous, aggregate data with third parties.
a. To ensure efficient service delivery, we may work with third parties and share information with them as necessary. These include service providers, affiliates, and other companies under common control, as well as entities involved in mergers, acquisitions, or sales of assets.
b. We ensure that any third parties with whom we share PII comply with this Privacy Policy and appropriate confidentiality and security measures.
a. PII may be transferred and stored outside your country of residence. By submitting your PII, you agree to such transfer, storage, and processing.
b. We implement appropriate security measures to protect your PII from unauthorized access, accidental loss, or destruction. However, no internet transmission is completely secure, and any transmission is at your own risk.
a. You have the right to access, correct, or delete your PII. To delete your account, follow our verification procedure by contacting our Data Protection Officer at info@coolfinancials.org
b. Upon deletion of your data/account, we may retain certain information as required by law or for legitimate business purposes. This information may be encrypted or redacted if permitted by law.
a. We may update this Policy to comply with legal requirements and best practices. You will be notified of any changes via email.
b. By continuing to use our services after such changes, you confirm your acceptance of the updated Policy.
If you have questions, comments, or requests regarding this Privacy Policy, please contact us at info@coolfinancials.org or legal@coolgroup.ng
By using our services, you agree to the terms set out in this Privacy Policy.
