Privacy Policy
Last updated: July 2026 · Version 1.0
Your data belongs to you
CredMe is built on transparency. We collect only what's needed to compute your financial identity score and match you with lenders.
What we collect
• Bank account data — transactions, balance, and account identity, read-only via Mono Open Banking • Profile information — name, email, and phone number provided during registration • Financial scores — computed dimensions: income stability, liquidity, spending, repayment behaviour, digital assets • Crypto wallet data — wallet address, balance, and chain activity, if connected • Device & usage data — device type, OS version, and app interaction logs for security purposes
How we use it
Your data is used exclusively to: • Compute your CredMe financial identity score • Match you with eligible loan offers from partner lenders • Improve our scoring algorithms (anonymised and aggregated) • Send you score update notifications, only if enabled We never sell your data to third parties. Lenders only receive an anonymised score profile — never your raw transaction data — and only with your explicit consent.
Your NDPR rights
• Right to Access — download all your personal data at any time • Right to Correct — request corrections to inaccurate personal data • Right to Erasure — delete your account and all associated data permanently • Right to Portability — receive your data in a structured, machine-readable format • Right to Object — opt out of data processing for marketing or profiling purposes
Exercising your rights
Download your data anytime from the app: Profile → Data & Privacy → Download My Data. For any other data-related request, contact our Data Protection Officer directly.
Compliance
CredMe is compliant with Nigeria's NDPR (2019) and the Nigeria Data Protection Act (2023). Data is stored in encrypted form on servers within Nigeria.
Contact
Data Protection Officer: privacy@credme.co — we respond within 72 hours.