This policy sets out how we use and protect any personal information that you give us when you use this website.
In this policy, "we", "us" and "our" means SHOWAL and "you" means the person using the Site.
We may change these conditions at any time without notice and, where appropriate, notified to you by e-mail.
INFORMATION WE MAY COLLECT FROM YOU
SHOWAL takes the protection of our customers’ information seriously. We employ a number of technologies to protect your information, including McAfee, among others. To protect yourself against potential scammers who might present themselves as SHOWAL or another lender, remember you should:
Information that you provide by filling the application form on our Site
Email and letter exchanges with us
Information you provide during telephone calls and conversations with us
If you contact our customer services team or use our feedback form, We may keep a record of that correspondence or call
We may also ask you for information when you report a problem with the Site
The details of your visits to our Site including but not limited to:
IP Address that connect your device to the internet
Your Location this is in form of country, county, city and town
Full Uniform Resource Locators (URL)
Browsers Information include version
Session Information to identity users
Date, time of visit and visit duration
From transaction analysis of your payments and other transactions, from your use of our services and what we know from operating your account; and
Information we receive from our business partners and from other organisations such as credit reference agencies, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers and fraud prevention agencies.
We will not retain your personal information for longer than is necessary for the maintenance of your account, or for legal or regulatory requirements.
WE MAY USE YOUR PERSONAL INFORMATION FOR A NUMBER OF PURPOSE
to provide you with the requested services such as processing loan transactions, treating complaint, receiving payments and updating your account records
To ensure that content from our Site is presented in the most effective manner for you and for your computer (or mobile device)
To respond to your enquiries and complaints
To provide you with information, which we feel may interest you, where you have consented to be contacted for such purposes and may contact you about these by post, telephone, email or text message.
To administering offers, competitions and promotions
undertaking financial reviews; and also for the following data processing activities:
updating, consolidating, and improving the accuracy of our records;
undertaking transactional analysis;
arrears and debt recovery activities;
testing new systems and checking upgrades to existing systems
to identify you when you contact us or visit Our Sites;
to identify which of our products, or our partners' products, might interest you;
to prevent and detect fraud, crime detection, prevention, and prosecution;
for regulatory checks including credit assessment;
aggregated information about users for editorial or feedback purposes for our advertisers
evaluating the effectiveness of marketing and for market research and training;
customer modelling, statistical and trend analysis, with the aim of developing and improving products and services;
assessing lending risks;
managing your relationship with us
To carry out our obligations arising from any contracts entered into between you and us
To allow you to participate in any interactive features of our Site, when you choose to do so
To notify you about changes to our Site
WHO DO WE SHARE YOUR INFORMATION WITH
to any person to whom we transfer our rights or obligations under the agreement
If we are compelled to do so by law and for fraud prevention purposes
To licensed credit reference agencies to help us and others make credit decisions
To third parties to enable them to provide details of products or services you may be interested in with your consent
to our authorised direct marketing or other agents unless you tell us that you do not wish this to happen
with a purchaser, in the event our business is acquired by a third party in which case personal information held about customers will be one of the transferred assets
We may monitor or record phone calls for training and/or security purposes.
We may also use interactive voice recognition technology to help us manage your account and provide you with the services you require.
MARKETING AND OPT-OUT RIGHTS
When you visit our Site, you agree that we may contact you through the email address and phone number on your loan application to assist you with your loan or to discuss other products and services that SHOWAL may provide for you.
In the case of marketing communication, you may opt-out of receiving these from us or from our associated companies by sending us an e-mail to email@example.com with the subject line: unsubscribe. we will make reasonable efforts to honour such choice within 15 business days.
SECURITY OF INFORMATION
We maintain strict security standards and procedures with a view to preventing unauthorised access to your data by anyone. We use advanced technologies such as (but not limited to) data encryption, firewalls and server authentication to protect the security of your data
In addition, we train our employees in the proper handling of personal information and when we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
The data that we collect from you may be transferred to, and stored at, a destination outside of Nigeria. The data may also be processed by staff operating outside of Nigeria who work for us, or for one of our partners. Such staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. by submitting your data, you agree to this transfer, storing and/or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Data Policy.
We only keep your personal information for as long as necessary, for the purposes for which it was collected, to provide you with services and to conduct our legitimate business interests or where otherwise required by law. In addition, we take reasonable steps to ensure that the data we collect is relevant for its intended purposes, and is accurate, and up to date.
ACCESS TO YOUR DATA
You have the right of access to your personal data but we will charge a fee of ₦10000 for this. You will also need to provide identification so that we may verify that you authorised to access the personal information you have requested.
If you have any query, concerns and questions of If your personal information changes, you may update or correct it by making the change by emailing us at firstname.lastname@example.org