PLEASE READ THIS PRIVACY NOTICE CAREFULLY. BY ACCESSING, REGISTERING, OR OTHERWISE ENGAGING WITH ANY FUNCTIONALITY OR FEATURE OF THE SERVICES OFFERED BY BLUPRIMVERTEX LIMITED ("BPTL"), YOU ACKNOWLEDGE THAT YOU HAVE THOROUGHLY REVIEWED AND FULLY COMPREHENDED THE TERMS AND CONDITIONS SET FORTH HEREIN, INCLUDING ANY AMENDMENTS THERETO, AND YOU CONSENT TO THE COLLECTION, PROCESSING, RETENTION, SHARING, AND TRANSFER OF YOUR PERSONAL DATA AS DESCRIBED HEREIN.
This Privacy Notice is issued in compliance with the Nigeria Data Protection Act (NDPA) and is applicable to any data subject whose personal data is collected, stored, or processed through the use of services provided via the ChopaCredit mobile application (the "App"), which is operated by BLUPRIMVERTEX Limited, a private limited liability company lawfully incorporated under the laws of the Federal Republic of Nigeria.
"Personal Data" shall be interpreted in accordance with its statutory definition under the NDPA and encompasses all information relating to an identified or identifiable individual, including but not limited to data that can be used, directly or indirectly, to establish or infer the identity of a natural person.
This Notice provides a comprehensive framework that explains:
a. Our legal identity and how you can contact us
b. The legal rights granted to data subjects
c. Our legal grounds for data processing
d. The categories of personal data collected
e. The purposes and methodologies of processing
f. The entities with whom personal data may be disclosed
g. The mechanisms for data protection and retention
h. Revisions to this policy
i. Governing jurisdiction and applicable law
The entity responsible for determining the purposes and means of processing your personal data is BLUPRIMVERTEX Limited (hereinafter referred to as "BPTL", "we", "our", or "us"). The ChopaCredit App is the digital platform through which the lending and related services are accessed.
Any inquiries, grievances, or complaints concerning this Privacy Notice or our data processing practices may be directed to: +234 09168118786 or by emailing help@bluprimvertex.com.
In accordance with applicable data protection legislation, data subjects are entitled to exercise the following rights:
You may initiate the exercise of any of the aforementioned rights by contacting us using the details provided in Section 2. Please note that, while access and other rights are generally provided free of charge, we reserve the right to impose a reasonable fee where a request is manifestly unfounded, excessive, or repetitive in nature.
For verification purposes and to uphold data security standards, we may request specific information to confirm your identity before fulfilling your request. We will endeavor to respond to all valid data subject requests within 30 calendar days. In instances of complexity or high volume, an extension may be applied, and you will be notified accordingly.
Each instance of personal data processing by BPTL is grounded in a legally recognized basis under the NDPA, including but not limited to:
a. The necessity of processing for the performance of a contractual obligation entered into with the data subject
b. Compliance with a legal mandate or regulatory requirement
c. The pursuit of BPTL's legitimate interests, provided such interests do not override your fundamental rights and freedoms
d. Your explicit and informed consent, where applicable
Please note that failure to provide personal data that is deemed necessary for the performance of a contract or for legal compliance may result in the unavailability or termination of certain services.
To enhance your experience and provide you with a tailored service, we will collect certain personal informations Please make sure this information is true and they can be used to contact or identify you.These information may contain:
a. Identity Data: Names, gender, date of birth, BVN, photo,highest education level, Martial Status,Number of Children,E-mail and home address.
b. Contact Data: Your Own mobile numbers,your relationships and their names,phone numbers.
c. Financial Data: Bank account numbers, card details for loan disbursement and repayment.
d. Device & Technical Data: Device identifiers (e.g., IMEI), SIM card metadata, operating system, IP address, and browser configuration.
e. Communication Preferences: Opt-in and opt-out settings regarding marketing or alerts.
Your personal data may be used for the following purposes:
· To enable registration, authentication, and continued access to the App and its services
· To process loan applications and evaluate creditworthiness
· To comply with applicable anti-money laundering, fraud detection, and Know-Your-Customer (KYC) obligations
· To send service updates, promotional messages, and policy notifications (subject to your preferences)
In connection with the provision of services, your data may be shared with authorized third parties, such as financial institutions, payment processors, analytics providers, and governmental authorities, strictly on a need-to-know basis and under appropriate data protection agreements.
We implement and maintain advanced security frameworks—including physical, technical, and administrative controls—to ensure the confidentiality, integrity, and availability of your data. Our security infrastructure includes firewalls, end-to-end encryption, role-based access control, and ISO/IEC 27001-compliant procedures.
We will retain your personal data for as long as is necessary to fulfill the purpose for which it was collected, including to satisfy any legal, regulatory, accounting, or reporting requirements. In certain cases, data may be retained beyond the termination of your account to fulfill obligations relating to dispute, legal compliance, or fraud prevention.
If you wish to delete your personal data, you may do so by selecting the "Delete Your Account" option within the App. Upon receiving your request, we will process and permanently delete your data within three (3) business days. If you have any questions or concerns regarding your data or this process, please contact us through our email help@bluprimvertex.com or our customer hotline +234 09168118786.
In the unfortunate event of a personal data breach likely to result in significant harm to your rights and freedoms, BPTL is obliged to notify the Nigeria Data Protection Commission (NDPC) within 72 hours of becoming aware of such incident. We shall also notify affected individuals in a timely and transparent manner outlining the nature, potential consequences, and remedial measures undertaken.
This Privacy Notice may be reviewed and amended periodically at BPTL's discretion. Any material revisions will be communicated through the App or other appropriate channels. Continued access or use of the App following such updates constitutes acceptance of the modified terms.
This Privacy Notice shall be interpreted and enforced in accordance with the laws of the Federal Republic of Nigeria, and any disputes arising hereunder shall be subject to the exclusive jurisdiction of Nigerian courts or tribunals of competent authority.