Privacy Policy

Effective as of: 25 February, 2026

This Privacy Policy describes how BOOST CREST LIMITED (“we,” “us,” “our,” the “Company”) collects, uses, stores, protects, and discloses your personal information when you use the BOOST Credit mobile application (the “App”) and related services (the “Services”). This Privacy Policy forms part of and must be read together with our Terms and Conditions.

By using our Services, you consent to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We collect personal information necessary to provide, verify, secure, and improve our Services, in compliance with the Nigeria Data Protection Act (NDPA) and applicable regulations of the Central Bank of Nigeria (CBN).

1.1 Information You Provide Directly

• Identity Information: Full name, gender, date of birth, phone number, email address, selfie, BVN, NIN, and valid government-issued identification details.
• Contact Information: Emergency or reference contacts voluntarily provided during loan applications, used only for credit risk assessment and emergency communication.
• Financial Information: Bank account details, transaction history, loan application data, repayment records, airtime and data purchase history.
• Account Credentials: Username, password, and security details used to access your account.

1.2 Information Collected Automatically

• Device information, including device model, operating system, unique device identifiers, and network information.
• Usage data, including access time, features used, and transaction logs.
• Location information (to confirm use within Nigeria).

1.3 Information from Third Parties

We may receive information from third-party service providers, including credit bureaus, identity verification services, and payment processors, solely for risk assessment, fraud prevention, and service provision.

2. How We Use Your Information

We use your personal information for the following purposes:

• To create, verify, and maintain your account.
• To provide Services including airtime top-up, data purchase, and digital credit facilities.
• To assess creditworthiness, process loan applications, and manage repayments.
• To detect, prevent, and investigate fraud, unauthorized activity, identity theft, and other illegal conduct.
• To comply with legal, regulatory, and contractual obligations.
• To secure your account and improve the safety and performance of the App.
• To communicate with you regarding your account, transactions, and important updates.

3. Android Device Permissions

To ensure security, functionality, and regulatory compliance, we may request the following permissions on your Android device:

• READ_PHONE_STATE: To secure your account, verify device identity, and prevent unauthorized access.
• ACCESS_NETWORK_STATE & ACCESS_WIFI_STATE: To monitor network stability, confirm geographic location within Nigeria, and reduce fraud risk.
• CAMERA: To capture photos and selfies for identity verification; we do not access your photo gallery.
• READ_SMS: Solely for anti-fraud and risk control, including verifying transaction authenticity, detecting suspicious activity, preventing fraudulent applications, and protecting your account. SMS data is not used for marketing or unrelated purposes.

You may revoke permissions at any time through your device settings, but this may limit service functionality and security.

4. Data Sharing and Disclosure

We may share your personal information only in the following circumstances:

• With authorized third-party service providers who assist in operations, verification, payment processing, and fraud prevention, under strict confidentiality obligations.
• When required by law, regulation, court order, or government request, including to law enforcement authorities such as the EFCC.
• In connection with the protection of our rights, property, safety, or the prevention of illegal activity.
• With your explicit consent.

We do not sell, rent, or lease your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information against unauthorized access, use, alteration, or disclosure. All sensitive data is encrypted during transmission and storage.

However, no electronic storage system or data transmission over the Internet is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. Once no longer required, data is securely deleted or anonymized.

7. Account Deletion / User Account Cancellation Process

You may request to delete or permanently close your BOOST Credit account at any time through the following process:

1. Submit an account deletion request via the in-app settings menu, or by sending a written request to our support email.
2. Ensure that all outstanding loans, fees, or pending transactions have been fully settled before account closure.
3. After receiving your request, we will verify your identity and review your account status within a reasonable period.
4. Once approved, your account will be closed, and you will no longer be able to log in or use the Services.
5. Upon account closure, your personal data will be retained only as required for legal, regulatory, tax, or audit purposes, after which it will be securely deleted or anonymized.

We reserve the right to refuse or delay account deletion if there are unresolved obligations, suspected fraud, or ongoing legal requirements.

8. Your Rights

Under applicable data protection laws, you may have the right to:

• Access the personal information we hold about you.
• Request correction or updating of inaccurate information.
• Request deletion of your personal data, where legally permissible.
• Withdraw consent to data collection and use, where applicable.

To exercise these rights, contact us using the details below.

9. Children’s Privacy

Our Services are not intended for persons under the age of 18. We do not knowingly collect personal information from minors. If you become aware that a minor has provided us with information, contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted within the App with an updated effective date. Your continued use of the Services after changes are posted constitutes acceptance of the revised policy.

11. Contact Us

If you have questions, complaints, or requests regarding this Privacy Policy or our data practices, please contact us at:

• Email: help@boostcrest.online
• Phone: +2349162826987
• Address: 14, ODEWALE STREET, ALAUSA IKEJA. LAGOS, LAGOS STATE, NIGERIA