Privacy Policy

Welcome to Octa. We have described our Privacy Policy as clearly as possible in the summary below. This Policy outlines how we collect, use, disclose and protect your information from our website and mobile application. It applies to all existing and former customers and may change from time to time.

Your consent

By submitting your details and/or using our service you accept this Privacy Policy and expressly provide voluntary, specific and informed consent to the use and disclosure of your personal information in the manner described below. You have the right to object to our use of your personal information. Depending on the information you object to, we may not be able to proceed with your investment application/s as certain information is required for the conclusion or performance of this contract and we are obliged by law to obtain same

Information collection

Personal information is information that identifies or relates specifically to you including your financial information, for example, your name, age, phone number, email, address, BVN, username, password and bank account and card details. In short, any information that we know about you will be regarded as your personal information. We usually would collect this information when you register to use Octa or when you interact with us about your account.

Collecting your data

We collect information about you in two ways - directly from your online application and from outside sources such as credit bureau and customer service providers. We may use data that identifies your personal information for a number of things including: statistical analysis; to develop and improve our products; to assess lending risks; to update your records; to identify which of our products interest you; to identify and prevent fraud, money laundering and other criminal activities; to carry out regulatory checks, and market research; and in the products and services which we offer on behalf of third parties.

Sharing your data for service provision

We share the data you submit with third parties involved in the process of providing the services you request, such as lenders, credit bureaus, customer service providers and collection agencies. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy. The service provider is required to notify us immediately where there are grounds to believe your personal information has been accessed or acquired by any unauthorized person.

Additional data collection

In addition to the personal information you submit, we may collect information about your computer including, where available, your IP address, operating system and browser type - for system administration and to report aggregate information to our advertising partners which allow us to have a better understanding of our customer requirements and/or preferences by using cookies to track users as they travel from website to website recording what commercial advertisements they view and select while browsing.

This is statistical data about browsing actions and patterns and does not identify any individual. We may also obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies enable us to improve our service to you, estimate our audience size and usage patterns, store information about your preferences and recognize you when you return to our site.

You can set your web browser to refuse cookies, but if you do this you may not be able to enjoy full use of the site and you may not be able to take advantage of certain promotions we may run from time to time. Please note that third parties who advertise on our site may also use cookies, but we do not have access to, or control over them and therefore cannot take responsibility for them. All advertisers are bound by contract to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy. We want to provide you with the best possible service, so calls to Octa will be recorded and/or monitored for quality checks and staff training. Recordings may also be used to help us combat fraud.

“PIN”

When you use the Octa Website or mobile app, you may be given an access number, username, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your username, access card, password and/or personal identification number (“PIN”)

Sharing your data for service provision

We share the data you submit with third parties involved in the process of providing the services you request, such as lenders, credit bureaus, customer service providers and collection agencies. We have trusted relationships with these carefully selected third parties who perform services on our behalf. All service providers are bound by contract to maintain the confidentiality and security of your personal information and are restricted in their use thereof as per this Privacy Policy. The service provider is required to notify us immediately where there are grounds to believe your personal information has been accessed or acquired by any unauthorized person.

Changes to this Privacy Policy

We reserve the right, in our sole discretion to update, modify or amend (including without limitation, by the addition of new terms and conditions) this Privacy Policy from time to time with or without notice. You therefore agree to review the Privacy Policy whenever you visit the Octa website for any such change. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.

Right to request access to your personal information

As aforementioned, we are committed to the protection of your personal information and any information disclosed to third parties is only done so with our knowledge and express authorization. You are entitled to request access to your information at a prescribed fee and to request that inaccurate, irrelevant, excessive, outdated, misleading or unlawfully obtained information be corrected, deleted or in the case of a dispute, indicate that a correction has been requested, but not made.

Security

At Octa, we go all out to ensure the security of your information from loss, theft, unauthorized access, alteration or wrong use. We urge you to notify us immediately of any unauthorized use of your Octa account or any security breach. We also can in our sole discretion, refuse to provide our Services, terminate any Octa account.

Which laws apply?

This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of the Federal Republic of Nigeria.

Who to Contact?

Should you have any queries, please contact us on 01-631-7243 or customer@pagefinancials.com