Privacy Policy

This Privacy Policy explains how Chakkam Rent Ltd ("Chakkam Rent Ltd", "we", "our", or "us") collects, uses, stores, discloses, and protects personal data obtained from users, customers, landlords, tenants, agents, service providers, and visitors to our website and services.

This Policy is made in compliance with the Nigeria Data Protection Act 2023, applicable regulations issued by the Nigeria Data Protection Commission, and other applicable laws in the Federal Republic of Nigeria.

By accessing our website or using any of our services, you consent to the collection and processing of your personal data in accordance with this Privacy Policy.

1. Information We Collect

We may collect and process the following categories of personal information:

• Full name
• Residential and business address
• Email address
• Telephone number
• Date of birth
• National Identification Number (NIN)
• Employment and salary information
• Bank account details
• Financial and credit information
• Rental and tenancy records
• Means of identification
• Guarantor information
• Device information and IP address
• Website usage and cookies data
• Any other information voluntarily provided to us

2. How We Collect Information

We collect personal data through:

• Our website and online forms
• Rent financing applications
• KYC and on-boarding processes
• Communications via email, phone calls, or social media
• Payment transactions
• Third-party verification providers
• Cookies and website analytics tools
• Landlords, employers, agents, or guarantors where applicable

3. Purpose of Processing Personal Data

We process personal data for lawful purposes including:

• Verifying customer identity
• Processing rent financing applications
• Conducting credit-worthiness assessments
• Facilitating payments and collections
• Customer on-boarding and account management
• Fraud prevention and risk management
• Compliance with legal and regulatory obligations
• Improving our website and services
• Customer support and dispute resolution
• Sending service-related communications
• Internal record keeping and audits

We shall only process personal data where we have a lawful basis to do so under applicable law.

4. Legal Basis for Processing

Our legal basis for processing personal data may include:

• Consent of the data subject
• Performance of a contract
• Compliance with legal obligations
• Legitimate business interests
• Protection of vital interests
• Regulatory compliance requirements

5. Disclosure of Personal Data

We may disclose personal information to:

• Payment processors and financial institutions
• Credit bureaus and verification agencies
• Technology service providers
• Legal advisers and auditors
• Regulatory authorities
• Debt recovery agents where necessary
• Law enforcement agencies pursuant to lawful requests

We shall not sell personal data to third parties.

All third parties engaged by us are required to maintain confidentiality and comply with applicable data protection obligations.

6. Data Retention

We retain personal data only for as long as necessary for the purposes for which it was collected, including compliance with legal, regulatory, tax, accounting, or reporting obligations.

Where personal data is no longer required, we shall securely destroy or anonymize such data.

7. Data Security

We implement reasonable technical, administrative, and organizational safeguards to protect personal data against unauthorized access, loss, misuse, alteration, disclosure, or destruction.

Despite our efforts, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Cookies and Website Tracking

Our website may use cookies and similar technologies to:

• Improve website functionality
• Analyze website traffic and usage
• Enhance user experience
• Remember user preferences

Users may disable cookies through their browser settings, although certain website features may become unavailable.

9. Rights of Data Subjects

Subject to applicable law, users have the right to:

• Request access to their personal data
• Request correction of inaccurate information
• Request deletion of personal data
• Withdraw consent at any time
• Object to certain processing activities
• Request restriction of processing
• Lodge complaints with the relevant data protection authority

Requests relating to personal data may be submitted through the contact details provided below.

10. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third-party platforms.

Users are encouraged to review the privacy policies of external websites before providing personal information.

11. Children's Privacy

Our services are not directed to persons under the age of 18 years. We do not knowingly collect personal data from minors without lawful authorization.

12. International Data Transfers

Where personal data is transferred outside Nigeria, we shall ensure that adequate safeguards are implemented in accordance with applicable data protection laws.

13. Changes to this Privacy Policy

We reserve the right to amend or update this Privacy Policy from time to time without prior notice.

Any revised version shall become effective upon publication on our website.

14. Contact Information

For inquiries, complaints, or requests relating to this Privacy Policy or personal data processing, please contact:

Chakkam Rent Ltd
No. 2 Jolex Plaza, by Double Dollar Junction, Jos North, Plateau State, Nigeria
Email: chakkamrent@gmail.com
Phone: 09050594188

Users may also lodge complaints with the Nigeria Data Protection Commission where they believe their rights have been violated.