Nirra Privacy Policy

Updated: August 2023

Protecting your privacy is important to us at Nirra. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our lifestyle, savings, and loan mobile application ("Nirra" or "App") and its related services (collectively, the "Services") which complies with the Nigerian Data Protection Act (NDPA) and other relevant data protection regulations. By using Nirra, you consent to the practices described in this Privacy Policy. If you do not agree with any part of this policy, you should not use Nirra.

1. Information We Collect

  • Personal Information: When you register for an account or use certain features of Nirra, we may collect personal information such as your name, email address, phone number, and financial information (e.g., bank account details). Providing this information is voluntary, but some features of Nirra may not be accessible without it.
  • Usage Information: We collect information about your use of Nirra, including your interactions with the App, features accessed, and device information (e.g., IP address, device type, operating system). This information helps us analyze usage patterns, improve our Services, and personalize your experience.
  • Location Information: With your consent, Nirra may collect and use your location information to provide location-based services, such as identifying nearby offers or financial institutions.
  • Cookies and Similar Technologies: Nirra uses cookies and similar technologies to enhance your user experience, collect usage information, and improve our Services. You can manage your cookie preferences through your browser settings.

2. Use of Information

  • Provide and Improve Services: We use your personal information to deliver and improve Nirra's functionality, personalize your experience, and respond to your inquiries and support requests
  • Communications: We may use your contact information to send you important notices, updates, promotional materials, or other communications related to Nirra. You can opt-out of promotional communications at any time.
  • Analytics and Research: We analyze aggregated usage data to understand user behaviour, preferences, and trends, which helps us improve Nirra and develop new features.
  • Legal Compliance and Protection: We may use and disclose your information to comply with applicable laws, regulations, and legal processes, and to protect our rights, privacy, safety, and property, or that of others.

3. Data Sharing and Disclosure

  • Service Providers: We may share your personal information with trusted third-party service providers who assist us in delivering and improving our Services. These providers are obligated to protect your information and use it solely for the purposes specified by Nirra.
  • Business Transfers: In the event of a merger, acquisition, or any other change in ownership or control of Nirra, your personal information may be transferred to the new entity or its affiliates, subject to this Privacy Policy.
  • Legal Requirements: We may disclose your personal information if required to do so by law, or in response to valid legal requests, such as subpoenas, court orders, or government investigations.
  • Aggregated and Non-Identifiable Information: We may share aggregated and non-identifiable information with third parties for various purposes, including analytics, marketing, and research.

4. Your Rights as Data Subjects

We recognize your rights as data subjects under the NDPA and other applicable data protection regulations. This includes the right to:
  • Access Your Data: You have the right to request access to the personal information we hold about you.
  • Rectification: If your personal information is inaccurate or incomplete, you can request corrections.
  • Erasure: You can request the deletion of your personal information under certain circumstances.
  • Objection: You can object to the processing of your personal information for specific purposes.
  • Restriction of Processing: You have the right to limit the processing of your personal information.
  • Data Portability: You can request the transfer of your personal information to another organization in a structured format.

5. Retention Period

We understand the importance of transparency in data handling, including the retention period of your personal information. We will retain your data only for as long as required by applicable laws and regulations or as necessary for the purposes for which it was collected.

6. Data Security

Nirra implements reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no data transmission or storage system can be guaranteed to be 100% secure. Please keep in mind that any information you transmit through Nirra is at your own risk.

7. Third-Party Links and Services

Nirra may contain links to third-party websites or services that are not operated or controlled by us. This Privacy Policy does not apply to such third-party platforms. We encourage you to review the privacy policies of those third parties before providing any personal information.

8. Children's Privacy

Nirra is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will promptly delete it from our records.

9. Changes to this Privacy Policy

Nirra may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website or through other reasonable means. Please review this Privacy Policy periodically to stay informed about how we handle your information.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the privacy practices of Nirra, please contact us at We will endeavour to address and resolve your inquiries as soon as reasonably possible.
By using Nirra, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.