1. Overview & Commitment

Lumoni Digital Technologies Ltd. ("Lumoni Credit", "we", "us", or "our") is committed to protecting the privacy, accuracy, and security of your personal and financial information. This Privacy Policy describes how we collect, process, store, and safeguard data when you use the Lumoni Credit mobile application, virtual card services, and related financial management platforms in Nigeria.

2. Information We Collect

To provide virtual card capabilities, credit limits up to NGN 500,000.00, active bill schedules, and fund disbursements, we collect information during your verification process:

• Personal Identity Data: Full legal name, date of birth, residential status, and contact details.
• Identity Verification Data: Government ID details and contact links required for validation.
• Optional Income Proof: Documents submitted voluntarily to request credit limit boosts.
• Financial Token: Linked debit card tokens used for disbursement and repayment scheduling.

3. How We Use Your Information

• Assigning and managing your Lumoni credit limit and Virtual Platinum Card.
• Processing 3-period installment repayment schedules with principal and interest transparency.
• Authenticating linked debit card tokens for secure fund disbursement.
• Providing customer support, feedback resolution, and account controls.

4. Account Deactivation & 14-Day Cooling-Off Window

You have the right to request account deactivation at any time via our online portal. Requests are subject to a mandatory 14-day cooling-off period during which your account remains inactive while giving you the right to cancel the request at any time to restore access.