Privacy Policy

Overview

AccessBridge Capital Limited ("AccessBridge," "we," "us," or "our") provides specialty financing solutions including Insurance Premium Financing, Travel & Airfare Financing, and Inheritance & Probate Financing to individuals and businesses across Nigeria. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit our website, apply for a financing product, or otherwise interact with us.

By using our website or services, you consent to the practices described in this Policy. If you do not agree with this Policy, please do not use our website or services.

Information We Collect

We may collect the following categories of information:

• Identity Data: full name, date of birth, government-issued ID (e.g. NIN, BVN, passport), and photograph.
• Contact Data: email address, phone number, residential and business address.
• Financial Data: income details, bank account and payment information, insurance policy details, travel itinerary or probate documentation relevant to the financing product requested.
• Technical Data: IP address, browser type, device identifiers, and usage data collected via cookies (see our Cookie Policy).
• Communications Data: records of correspondence when you contact us via the website, email, or phone.

How We Use Your Information

We use personal information to:

• Assess and process applications for financing products;
• Verify identity and conduct fraud, credit, and anti-money-laundering checks;
• Administer and service active financing facilities, including billing and collections;
• Respond to enquiries submitted through our contact form;
• Send transactional communications, receipts, and (where you have opted in) our market outlook newsletter;
• Improve our website, products, and customer experience;
• Comply with applicable legal and regulatory obligations.

Legal Basis for Processing

Where the Nigeria Data Protection Act 2023 (NDPA) and the Nigeria Data Protection Regulation (NDPR) apply, we rely on one or more of the following legal bases to process personal data: your consent, the necessity of processing to perform a contract with you (e.g. a financing agreement), compliance with a legal obligation, and our legitimate interests in operating and improving our business, provided such interests do not override your fundamental rights.

Sharing & Disclosure of Information

We do not sell personal information. We may share information with:

• Underwriting, credit reference, and fraud-prevention partners engaged to assess applications;
• Insurance carriers, travel partners, or probate/estate professionals directly connected to the financing product you request;
• Regulators, law enforcement, or courts where required by law;
• Service providers who support our IT infrastructure, payment processing, and email delivery, under contractual confidentiality obligations;
• A successor entity in the event of a merger, acquisition, or restructuring of AccessBridge Capital.

Data Retention

We retain personal data for as long as necessary to fulfil the purposes described in this Policy, including satisfying legal, accounting, or regulatory retention requirements applicable to specialty finance providers in Nigeria. When information is no longer required, we securely delete or anonymize it.

Your Rights

Subject to applicable law, you may have the right to: request access to the personal data we hold about you; request correction of inaccurate data; request deletion of your data; object to or restrict certain processing; request portability of your data; and withdraw consent at any time where processing is based on consent. To exercise any of these rights, contact us using the details in the Contact Us section below.

Cookies

Our website uses cookies and similar technologies to operate core functionality and understand how visitors use our site. Full details are set out in our Cookie Policy.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, alteration, disclosure, or destruction. Further detail is available on our Security page. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

International Transfers

Where personal data is transferred outside Nigeria (for example, to a cloud hosting or email delivery provider), we take steps to ensure the recipient provides an adequate level of protection consistent with the NDPA/NDPR, including the use of contractual safeguards where required.

Children's Privacy

Our services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us so we can take appropriate action.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last updated" date at the top of this page indicates when this Policy was last revised. Material changes will be highlighted on our website.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us at:

This page is a general-purpose template summarizing common privacy practices for a Nigerian specialty finance company and does not constitute legal advice. AccessBridge Capital should have this Policy reviewed and finalized by qualified legal counsel prior to relying on it, to ensure full compliance with the Nigeria Data Protection Act 2023, sector-specific regulations, and any other applicable law.