Privacy Policy

Information We Collect

We may collect and process the following categories of personal data:

(a) Identification & Contact Data

• Full name, date of birth, gender, nationality;
• Identification documents (BVN, NIN, passport, driver’s license, voter’s card, etc.);
• Contact information (address, email, phone number).

(b) Financial & Transaction Data

• Bank account details;
• Credit history, repayment records, income information;
• Loan applications and related documents.

(c) Digital Data

• IP address, device information, browser type, geolocation data;
• Cookies and online identifiers;
• Login activity and usage patterns.

(d) Communication Data

• Emails, calls, messages, or other correspondence with us;
• Complaints, inquiries, or feedback records.

How We Use Your Information

Generation Capital Limited may use your personal information to:

• Process and evaluate applications for loans, or other financial products;
• Conduct identity verification, KYC (Know Your Customer), and credit checks;
• Manage customer relationships and provide support;
• Send service-related updates, notifications, and alerts;
• Prevent fraud, money laundering, and terrorist financing;
• Comply with regulatory and legal requirements;
• Improve our website functionality and digital services;
• Send marketing and promotional materials (where lawful).

Data Sharing & Disclosure

We may disclose your personal data to:

• Third-party service providers (e.g., IT, payment processors, cloud hosting) under confidentiality agreements;
• Legal authorities where disclosure is required by law, regulation, or court order;
• Business partners where necessary to deliver joint services (subject to safeguards).

We will never sell or rent your personal data to third parties. We may disclose your data to these third-party services provided you have given us the permission.

Data Security

We implement industry-standard technical and organizational security measures, including:

• Encryption of sensitive data;
• Firewalls, intrusion detection, and secure hosting environments;
• Access controls and staff confidentiality obligations;
• Regular monitoring, audits, and incident response protocols.

However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of your data.

Data Retention

We retain your personal data only for as long as necessary to:

• Fulfil the purposes described in this Policy;
• Maintain records required under applicable laws and regulations;
• Defend against potential legal claims.

When no longer required, your personal data will be securely deleted, anonymized, or archived in compliance with regulatory requirements.

Third-Party Websites

Our website may contain links to or integrations with third-party websites, applications, or services that are not operated or controlled by Generation Capital Limited. Please note that we are not responsible for the privacy practices, security standards, content, or policies of such external websites.

When you follow a link to a third-party site, you do so at your own discretion and risk. We encourage you to review the privacy policies and terms of any third-party website you visit before providing any personal information.

Generation Capital Limited shall not be liable for any loss, damage, or consequences arising from your use of, or reliance on, content, services, or policies of third-party websites.

Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience, analyze traffic, and improve services. You may manage or disable cookies in your browser settings, though this may affect website functionality.

Compliance with Children’s Online Privacy Act

Generation Capital Limited is committed to protecting the privacy of children and complying with the Children’s Online Privacy Protection Act (COPPA) and other relevant child protection laws.

Our website, products, and services are not directed to or intended for individuals under the age of 18. We do not knowingly collect, use, or disclose personal information from children.

Disclaimer on Accuracy of Information

The information on this website, including descriptions of financial products and services, is provided for general informational purposes only. While we take reasonable steps to ensure accuracy and currency, we make no warranties that all details are always correct, complete, or up to date. Customers are encouraged to verify specific terms directly with our representatives before making financial decisions.

Acceptance of Terms

By accessing or using this website, submitting personal information, or engaging with any of our digital services, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

If you do not agree with any part of this Policy, please discontinue use of our website and refrain from providing any personal information. Your continued use of our website following updates or modifications to this Policy constitutes acceptance of those changes.

Changes to this Privacy Policy

Generation Capital Limited reserve the right to amend or update this Privacy Policy at any time to reflect changes in legal, regulatory, or business requirements. Updated versions will be posted on this page with the “Last Updated” date revised.

Where changes are material, we may provide additional notice (e.g., email or website notice). Continued use of our website after such changes constitutes acceptance of the updated Policy.

Contact Us

If you have questions, concerns, or wish to exercise your data rights, please contact us at:
Email:Info@generationmoney.ng
Phone: +2347041116000