This Privacy Policy describes how LUMORA EDGE LTD (“we”, “our”, or “us”) collects, uses, stores, and protects personal information when you use the FTcredit mobile application and related services (the “Service”).
We process personal data in accordance with the Nigeria Data Protection Act (NDPA) 2023 and other applicable data protection laws.
By installing, accessing, or using FTcredit, you confirm that you have read and accepted this Privacy Policy. If you do not agree, please stop using the Service.
Depending on your interaction with FTcredit, we may collect the following categories of information:
Certain information, including religious belief, is considered sensitive personal data under the Nigeria Data Protection Act.
Where FTcredit requests such information:
You may choose not to provide sensitive personal data; however, this may limit access to certain services where such information is legally or operationally required.
This notice outlines the types of personal data we may collect and process when delivering our services in Nigeria, the device permissions involved, the purposes for which such data is used, and the legal basis for processing. We handle personal information in compliance with applicable Nigerian laws, including the Nigeria Data Protection Act, 2023 (NDPA), and relevant regulatory frameworks. Where applicable, we also consider the principles under the NDPR 2019.
At FTcredit, we take appropriate steps to safeguard your information during transmission and storage. All data submitted through the application is encrypted via HTTPS and securely maintained on our servers (https://api.lumoraedgeltdng.com). We do not share your personal information with third parties without your consent, except where required by law or necessary to fulfill the requested services.
Information processed may include:
Data sources:
Purpose of processing:
Information processed may include:
Purpose of processing:
Information processed may include:
Purpose of processing:
Important note: This information is not used for advertising or unrelated marketing activities
With your consent, the app may access your device camera for the following purposes:
Purpose: Enhancing identity verification accuracy; Preventing fraudulent applications and document forgery
Safeguards:
In certain situations, you may be asked to provide emergency contact information.
Information processed may include: Contact name, relationship, and phone number
Source: Information manually entered or selected by you
Purpose: Supporting identity verification; Providing contact options in exceptional situations
Note: We do not access or upload your full contact list
Where permitted by your device settings, we may collect limited metadata about installed applications, including: Application package names; General categories; Installation status
Purpose: Device risk analysis and fraud detection; Identifying abnormal usage patterns or high-risk environments; Supporting internal risk control measures
Note: We do not access or collect data from within these applications
During your use of the app, we may collect certain technical details, such as: Device model, operating system version, and display specifications; IP address and network provider; Device identifiers (only where necessary and legally permitted)
Purpose: Maintaining account security and preventing fraud; Ensuring compatibility and system performance; Supporting risk management processes
Note: These identifiers are not used for cross-application tracking or advertising
With your permission, we may collect general location information, including: Approximate coordinates; Accuracy range and timestamps; Region-level location descriptions
Purpose: Detecting unusual activity or inconsistencies; Supporting fraud prevention and compliance-related checks
Note: Location data is not collected in the background without explicit consent
We may process operational and usage-related data, including:
Purpose: Ensuring secure account access; Diagnosing technical issues and maintaining audit trails; Improving product functionality and customer support
Where necessary and permitted by law, we may obtain information from trusted third-party partners, such as: Identity verification and compliance screening providers; Credit bureaus and credit reference agencies; Payment service providers and banking partners; Fraud detection and security service providers
Purpose: Verifying the accuracy of submitted information; Conducting compliance and risk assessments; Preventing fraud and meeting regulatory obligations
Data is transmitted through encrypted channels and processed on secure servers hosted at:
https://api.lumoraedgeltdng.com
Personal data is retained only as long as necessary for business, legal, and regulatory purposes, after which it is securely deleted or anonymized.
We do not sell personal data. Information may be disclosed only where:
You have the right to access, correct, delete (where permitted), or object to certain processing of your personal data, and to withdraw consent at any time. For example, you may contact us through the contact details provided in Section 12 to exercise your rights or request the handling of your personal data.
Where required for service operations, personal data may be processed outside Nigeria using safeguards compliant with NDPA requirements.
This Policy may be updated periodically. The latest version will be made available through the app or official channels.