Claritycare NG LTD (“we”, “our”, “us”) operates the CashKolo mobile app and related digital services.
This Privacy Policy explains how we collect, use, disclose, and protect your information under the Nigeria Data Protection Regulation (NDPR).

We may collect:
Personal details (name, BVN, date of birth, phone number, ID card)
Financial information (bank account, transaction history, income source)
Device & usage data (device type, IP address, app usage)
Location data (with user consent)

To verify identity and assess creditworthiness
To process loan applications and repayments
To detect fraud or unauthorized access
To improve user experience and service quality
To comply with legal and regulatory obligations

We may share data with:
Licensed credit bureaus
Partner financial institutions
Regulatory agencies (when required by law)
We never sell or rent user data.

Your data is securely stored on encrypted servers located in Nigeria and the EEA (where applicable).
We retain personal data only for as long as necessary for legal or operational purposes.

We adhere to the Nigeria Data Protection Regulation (NDPR).
Personal data is used solely for credit assessment, fraud prevention, and regulatory compliance.
We will never sell, lease, or misuse your personal information.

Under NDPR, you have the right to:
Access and correct your personal data
Request deletion of your account
Withdraw consent for certain processing
Lodge complaints with the Nigeria Data Protection Bureau

CashKolo uses cookies for analytics and app optimization. You may disable cookies in your settings, but some functions may be limited.

We may revise this policy periodically. All updates will be published in-app and on our website.