Privacy Policy

Welcome to AAA Finance and Investment Company Limited website. The AAA Finance and Investment Company Limited privacy policy outlines your rights as a Data Subject, basis for collection of personal data from you on our website and AAA Finance and Investment Company Limited (“AAA Finance” or also “we”, “us”, “our”) personal data processing activities as a Data controller. This Privacy Policy is designed to help you understand what information we gather about you, what we use that information for, and with whom we share that information. It also sets out your rights in relation to your information and who you may contact for more information or queries.  Personal data means any information or details relating to you that we hold or collect whether directly or indirectly which comprises of name, identification number, address, your transactions, transactions you effect, financial information, interactions and dealings with us, including information received from third parties, the public domain, collected through use of our website and our electronic banking services etc. This policy covers the use, storage and dissemination of personal data we obtain from you or about you when you interact with us in the provision of the banking services you request, during your use of the website, and when you complete surveys or register for our webinars. This policy also describes our processing of the personal data of individuals representing our business partners and suppliers.

You agree with the contents of this Privacy Policy when you give consent upon access to our website, digital and non-digital platforms, or use our services, content, features, technologies or functions offered on our website or digital platforms or visit any of our offices for official or non-official purposes. Note that you can withdraw your consent at any time, however such withdrawal of consent would not affect the lawfulness of processing information based on consent given before its withdrawal. Thereinto, depending on the information you object to, we may not be able to proceed with your loan and investment applications as certain information is required for the conclusion or performance of this contract and we are obliged by law to obtain same.

AAA Finance covenants to ensure security and protection of all data and privacy of personal data in line with the requirements of Nigeria Data Protection Act (NDPA). We reserve the right, in our sole discretion to update, modify or amend this Privacy Policy periodically with or without notice. You therefore agree to review the Privacy Policy whenever you visit our 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. The firm shall comply with all legislations and regulations applicable to its business and operations regarding data protection and privacy.

Disclosing personal information for a business purpose to third parties comes with same standards of security and confidentiality. Third parties act are only obligated to act data processors, acting solely on our instructions and on our behalf, and we establish contracts with them to ensure personal data is adequately protected. These contracts prohibit them from retaining, using, or disclosing any personal data for any purpose other than performing services under our direct instructions and in line with the purposes set out in this policy.

Ways we may share your personal data with third parties:

Disclosures on the basis of legal and regulatory purposes

We may share personal data with third parties such as appropriate security agencies and competent legal/regulatory authorities where disclosure is reasonably necessary to:

We may share personal data with third parties such as appropriate security agencies and competent legal/regulatory authorities where disclosure is reasonably necessary to: (a) comply with applicable legislation and regulation; (b) comply with legal process or a regulatory investigation (e.g., a subpoena or court order); (c) investigate potential violations; (d) detect, prevent or otherwise address fraud or security issues; (e) protect against harm to the rights, property, or safety of the Bank, our customers or the public, as required or permitted by law.

Disclosures to vendors and service providers

We may share any personal data we collect with our vendors or service providers, which may include providers involved in cloud services payment processing, card development, conducting credit checks, or delivering advertising. We may also share personal data with service providers who otherwise assist us to manage the applications we process.

Disclosures based on Cross border personal data transfer

Disclosures could occur during business operations wherein personal data that are collected may be hosted, stored or otherwise processed in and transferred to third countries as we manage servers in various locations, and our processors operate worldwide. To ensure that these transfers are in line with permissible conditions outlined by the Nigerian Data Protection Regulation, we have taken appropriate and suitable safeguards to ensure that personal data will remain protected when cross-border transfers occur. These safeguards include transferring personal data to countries with adequate data protection regulations and ensuring that standard contractual clauses are in place to mandate that personal data is secured using best practices.

Cookies are information often including unique identifiers that a website saves on your device or computer when you visit. AAA Finance uses cookies collected to remember you, your preferences to customize and improve your experience on our site. In accordance to NDPR and other applicable regulations, we provide a cookie consent alert which gives you the option to opt-in or out. We will assume you agree to accept the cookies that we use on our website if you do not disable or opt out of them though it may affect how you can use our website.

Persons who are below 18 years may only access our digital platforms under the supervision and consent of parent(s), guardian(s) and subject to existing laws.

AAA Finance will retain and use personal data for as long as is necessary, in any case until the purpose of data collection is achieved and subject to any requirements to retain information in order to comply with any applicable law, regulation, professional requirements or standards.

AAA Finance will ensure security and protection of all data and utmost privacy of personal data in line with the requirements of NDPA. We understand the value of your personal information and therefore will take all reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. We use a range of physical, electronic and managerial measures to ensure that we keep your personal information secure, accurate and up to date. This includes measures to protect personal data from accidental or unauthorized destruction, loss, or alteration, and from unauthorized disclosure or access.

AAA Finance will take all reasonable and practicable security measures to ensure privacy. In the event of a data breach, we shall report such breach to the relevant authority and if necessary, affected individuals of personal data breach (where the personal data breach will likely result in high risks to the freedoms and rights of the individual) within 72 hours of becoming aware of the breach or being notified by any processor of a personal data breach. We will take steps to investigate and recover personal data and will ensure security controls are improved to prevent a re-occurrence of the data breach. Personal data breach refers to a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data. This includes breaches that are the result of both accidental and deliberate causes.

Depending on location and applicable data protection regulation, an individual may be able to exercise some of the following rights regarding their personal data. An individual may be able to:

1. Request further details about how we process personal data 
2. Request for a copy of any personal data which we hold with consent to process personal data, where we rely on consent as a legal basis to justify personal data processing 
3. Restrict/object to the processing of personal data 
4. Request to update or delete personal data which we hold 
5. Request to transfer personal data to a third-party provider of services (data portability)

Please note that we may ask individuals to provide us with the information necessary to confirm their identity before responding. We will aim to acknowledge enquiries within 48 hours and respond within one month unless otherwise required by law. Where permitted to do so, complying with your request may be subject to a fee to meet our associated costs. We will consider all individual requests. However, we may not fulfil requests under circumstances where exemptions exist, which include a need to keep processing information to comply with a legal obligation. If such an exception applies, we will notify individuals when responding to their request.

AAA Finance may periodically change its privacy policy to reflect updates to personal data processing activities conducted. Changes will become effective as of the published effective date. Hence, the current version of our privacy policies will be published to reflect the recent update.

AAA Finance is dedicated to protecting your privacy. If you have any questions or comments regarding this policy or any complaints concerning our compliance to it, please contact our Data Protection Officer at dataprotection@aaafinancegroup.com  or the Customer Experience by:

Phone call/WhatsApp: (09070689999)

Email: info@aaafinancegroup.com