Privacy Policy

Osb Finance ("we," "our," "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains our practices regarding the collection, use, disclosure, and protection of your information when you visit our website, use our services, or engage with us in any way.

1. Information We Collect

We collect various types of information to provide and improve our services. The information we collect includes:

1.1 Personal Information:

  • Identification Details: Name, date of birth, national identification number.
  • Contact Information: Email address, phone number, postal address.
  • Financial Information: Bank account details, credit card information, transaction history.
  • Employment Information: Job title, employer, salary details.

1.2 Technical Information:

  • Device Information: IP address, browser type, device type, operating system.
  • Usage Data: Pages visited, time spent on pages, navigation paths, service usage patterns.

1.3 Sensitive Personal Data:

  • Special Categories: Data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, health data, or data concerning a natural person's sex life or sexual orientation.
  • Legal Compliance: Any other information required by law or necessary to fulfill legal obligations.

1.4 Cookies and Tracking Technologies:

  • Cookies: Small data files stored on your device to collect standard internet log information and visitor behavior information.
  • Web Beacons: Electronic images used to deliver cookies, count visits, and understand usage and campaign effectiveness.

2. How We Use Your Information

We use the information we collect for various purposes, including:

2.1 Providing and Enhancing Services:

  • Processing transactions and managing accounts.
  • Providing customer support and responding to inquiries.
  • Personalizing user experience and tailoring services to individual preferences.

2.2 Communication:

  • Sending administrative information, updates, and service-related notifications.
  • Delivering promotional materials, newsletters, and other information that may interest you.
  • Conducting surveys and gathering feedback to improve our services.

2.3 Legal and Compliance:

  • Complying with legal obligations and regulatory requirements.
  • Detecting, preventing, and addressing fraud, security, or technical issues.
  • Enforcing our terms and conditions and protecting our rights.

2.4 Data Analysis and Research:

  • Analyzing usage trends and user behavior to improve our services.
  • Conducting market research and developing new products and services.
  • Aggregating data for statistical analysis and business insights.

3. Sharing Your Information

We may share your information with third parties under certain circumstances, including:

3.1 Service Providers:

  • Engaging third-party vendors to perform services on our behalf, such as payment processing, data analysis, email delivery, and customer service.
  • Ensuring that these providers access and use your information solely for the purposes specified by us and maintain its confidentiality and security.

3.2 Business Transfers:

  • Disclosing your information in connection with or during negotiations of any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.

3.3 Legal Obligations:

  • Sharing your information to comply with legal processes, court orders, or governmental requests.
  • Disclosing your information to protect our rights, privacy, safety, or property, and/or that of our affiliates, you, or others.

3.4 With Your Consent:

  • Sharing your information with third parties when you have provided your explicit consent for us to do so.

4. Data Security

We take appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption: Using encryption to protect sensitive data during transmission and storage.
  • Access Controls: Restricting access to personal information to authorized personnel only.
  • Monitoring: Regularly monitoring our systems for potential vulnerabilities and attacks.
  • Training: Providing ongoing privacy and security training to our employees.

Despite these measures, please note that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Your Data Protection Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

5.1 Right to Access:

  • Request access to your personal data and obtain a copy of it.

5.2 Right to Rectification:

  • Request correction of inaccurate or incomplete personal data.

5.3 Right to Erasure:

  • Request the deletion of your personal data under certain conditions.

5.4 Right to Restrict Processing:

  • Request restriction of the processing of your personal data under certain circumstances.

5.5 Right to Data Portability:

  • Request transfer of your personal data to another organization or directly to you, in a structured, commonly used, and machine-readable format.

5.6 Right to Object:

  • Object to the processing of your personal data under certain conditions, including for direct marketing purposes.

5.7 Right to Withdraw Consent:

  • Withdraw your consent at any time where we are relying on consent to process your personal data.

5.8 Right to Lodge a Complaint:

  • Lodge a complaint with a supervisory authority if you believe that our processing of your personal data infringes data protection laws.

To exercise these rights, please contact us using the contact information provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable laws.

6. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently received personal information from a child under 18, we will take steps to delete such information from our records.

7. International Data Transfers

We may transfer your personal information to countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country. We will ensure that appropriate safeguards are in place to protect your personal information in accordance with this Privacy Policy.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, and other factors. When we make changes to this Privacy Policy, we will revise the "Effective Date" at the top of this page and provide notice as required by applicable law. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Osb Finance

Email: []

Phone: [0706 299 4448]

Address: [Shop F4-111 Eastline Shopping Complex, HFP, Abraham Adesanya, Ajah, Lagos State, Nigeria.]

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.