Complete Exclusive Package on...
Your data protection
Privacy Policy
Rights and Protection of Your Personal Information
HEAT Money is committed to protecting your privacy and personal data. This privacy policy describes how we collect, use, and safeguard your information when you use our financial services.
Your Data is Protected
We comply with Nigerian data protection laws and industry best practices to ensure your personal information is secure, used lawfully, and your rights are respected.
Data We Collect
Personal information, financial data, identity documents, and usage data necessary for providing our loan services.
How We Use It
To provide financial services, comply with legal obligations, prevent fraud, and improve our services.
Data Sharing
We only share your data when legally required, for fraud prevention, or with your explicit consent.
Your Rights
Access, correct, delete, or restrict processing of your personal data. Withdraw consent at any time.
Privacy Concerns?
Email: customercare@heatfinancials.com
Phone: +234-907-299-4726
Address: HEAT Place, 25B Coker Road, Ilupeju, Lagos
Complete Privacy Policy
Detailed information about how HEAT Money collects, uses, protects, and manages your personal data
This Privacy Policy applies to personal data held by Heat Finance and Investments Limited as data controllers. It explains the types of information we collect about you and how we use this information.
Important: By using our services (www.heatmoney.com.ng and www.heatfinancials.com), you agree to the collection and use of information in accordance with this Privacy Policy.
2.1 Information You Provide to Us
- Email address, first and last name
- Phone number and address details
- Bank Verification Number (BVN)
- Photograph and date of birth
- Government-issued ID documents (NIN, Passport, Driving License, Voter ID)
2.2 Information We Collect About You
- Bank transactional and financial information
- Communication records from our interactions
- Usage data and website navigation information
- Anti-money laundering and fraud prevention checks
- Risk rating and transaction pattern information
- Technical data (IP address, browser type, device information)
We collect your information through:
- Application forms on our websites
- Phone and email correspondence
- Document verification processes
- Website interactions and cookies
Information from Third Parties
We may receive information from:
- Partner companies and clients
- Fraud prevention agencies
- Identity verification agencies
- Credit reference agencies
- Publicly available online sources
We use your information under these circumstances:
Contract Fulfillment
To provide our loan products and financial services as agreed
Legal Obligations
For regulatory compliance, fraud prevention, and anti-money laundering
Your Consent
For marketing communications and additional services you've opted into
Legitimate Business Interests
To improve services, customer experience, and business operations
We retain your information according to our retention schedule, only for as long as necessary to fulfill the purpose for which it was processed or to comply with legal obligations.
Credit Bureau Information
Credit-related information is maintained by credit bureaus. To dispute or correct this information, contact:
- www.creditregistry.ng
- www.crccreditbureau.com
- www.firstcentralcreditbureau.com
Your Data Protection Rights
We respond to requests within one month. For complex requests, we may need additional time and will keep you informed.
Important Notice
Our services are provided "as is, as available" without warranties. While we use reasonable efforts to secure your data, electronic transfers are potentially susceptible to interception. We cannot warrant complete security of data transfers or email communications.
This disclaimer applies to the fullest extent permitted by law. Your statutory consumer rights that cannot be excluded remain unaffected.
Need to Contact Us About Privacy?
Have questions about this privacy policy or want to exercise your data rights? We're here to help.
Email Us
customercare@heatfinancials.com
info@heatfinancials.com
Call Us
+234-907-299-4726
+234-905-344-4113
Visit Us
HEAT Place, 25B Coker Road
Ilupeju, Lagos
Write to Us
P.O. BOX 2207
Ikeja, Lagos, Nigeria
Additional Resources
For concerns about privacy policy violations, you can also contact NITDA (Nigeria Information Technology Development Agency)
Visit our websites:
heatfinancials.com