Privacy Policy

Last updated: June 2026

Grace Moni LTD is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your personal information.

1. Information We Collect

We collect information you provide directly to us, including your name, email address, phone number, BVN, government-issued ID, payslips, and employment details when you apply for a loan or contact us. We also collect technical data such as IP address, browser type, and pages visited when you use our website.

2. How We Use Your Information

We use your information to process loan applications, verify your identity, assess creditworthiness, communicate with you about your account, improve our services, and comply with legal and regulatory obligations. We may also use aggregated, anonymised data for analytics and service improvement.

3. Information Sharing

We do not sell your personal information. We may share your data with credit bureaus, regulatory authorities, IPPIS payroll administrators (for salary deduction loans), payment processors, and service providers who assist us in operating our business — all under strict confidentiality agreements. We may also disclose information when required by law.

4. Data Security

We implement bank-grade security measures to protect your personal information, including encryption, access controls, and regular security audits. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. Loan records are typically retained for a minimum of seven years after the loan is fully repaid, in accordance with regulatory requirements.

6. Your Rights

Under the Nigeria Data Protection Act (NDPA), you have the right to access, correct, or request deletion of your personal data, subject to legal and contractual obligations. You may also object to certain processing activities or request data portability. To exercise these rights, contact us at gracemoniltd@gmail.com.

7. Cookies

Our website may use cookies and similar technologies to enhance your browsing experience, analyse site traffic, and personalise content. You can control cookie preferences through your browser settings. Disabling cookies may affect some website functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on this page with a revised date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer at gracemoniltd@gmail.com or write to us at No 7 Misau Crescent, Off Birin Kebbi Crescent, Garki 2 Abuja.