Privacy Policy

This Privacy Policy explains how Monielender (“we”, “us”) collects, uses, stores, and shares personal information when you use our website and lending services. It should be read together with our Terms & Conditions.

• Identity and contact details (name, email, phone, date of birth)
• KYC data (BVN, NIN where provided, address, ID documents, proof of address)
• Employment and income information you submit
• Loan application, offer, disbursement, and repayment records
• Technical data such as device, browser, and approximate usage logs

We use personal data to:

• Create and secure your account
• Verify identity and prevent fraud
• Assess, offer, disburse, and service loans
• Communicate about your application, repayments, and account
• Meet legal, regulatory, and audit obligations
• Improve the Service and keep it reliable

We may share data with payment and identity partners, cloud infrastructure providers, professional advisers, and regulators or law enforcement when required. We do not sell your personal information.

We retain information for as long as needed for the purposes above and as required by law (including loan and KYC record-keeping). We apply reasonable technical and organizational measures to protect data, though no system is perfectly secure.

You may request access to or correction of your personal data, or ask questions about this policy, via the contact channels on the Monielender website. Some data must be kept for legal or lending reasons even if you close your account.

We may update this policy periodically. Continued use of the Service after changes become effective constitutes acceptance of the revised policy where permitted by law.