This page is published as a structural draft. The final text must be completed by legal
counsel to match the actual KUDIKRED data processing activities before launch.
1. Who we are
KUDIKRED NIGERIA LIMITED (CAC Registration No. 9113429) operates the KUDIKRED mobile
application and this website. Contact details are published on our
company information page.
2. What we collect
Identity information you provide during registration and verification.
Bank verification number (BVN) and bank account details required for verification and disbursement.
Device and usage information needed to operate and secure the app.
Communications between you and our support team.
3. Why we use it
To assess eligibility and prevent fraud.
To disburse approved funds and process repayment.
To operate, secure and improve the service.
To meet legal, regulatory and reporting obligations.
4. Device permissions
We only request permissions the KUDIKRED app actually uses, each with a stated purpose,
and only where you have a choice in granting them.
5. Who we share it with
Payment and banking partners needed to disburse and collect repayment.
Identity verification and credit bureau partners, where applicable.
Regulators and authorities where legally required.
Service providers acting under contract on our instructions.
6. How long we keep it
We retain personal data only for as long as needed for the purposes above and for the
periods required by law and regulation.
7. Your rights
You may request access to your personal data, correction of inaccurate data, and — subject
to legal and contractual limits — deletion or restriction of processing. To exercise these
rights, contact us using the official channels on our
contact page.
8. Cookies
This website uses cookies as described in our Cookie Policy.
9. Complaints
If you have a concern about how your data is handled, use our
complaints procedure.
10. Changes
We will publish any material change to this policy on this page with an updated version
number and effective date.