Privacy Policy

Depending on how you interact with Liquiditti, we may collect the following categories of information.

We may use the information we collect to:

• Respond to enquiries and requests for information.
• Communicate with you about our services.
• Understand your financial, business, lending or technology requirements.
• Assess and process vehicle valuation and lending enquiries.
• Explore potential advisory, structuring or technology engagements.
• Review and respond to career applications.
• Improve our website, services, processes and user experience.
• Send relevant updates, information or marketing communications where permitted and where appropriate consent has been obtained.
• Maintain records of enquiries and business communications.
• Prevent fraud, misuse, unauthorised access and other unlawful activity.
• Comply with applicable legal, regulatory and contractual obligations.
• Establish, exercise or defend legal claims and protect our rights and interests.

We will seek to process personal information for specified and legitimate purposes and limit collection to information reasonably relevant to those purposes.

Depending on the circumstances, Liquiditti may rely on one or more lawful bases for processing personal information, including:

• Your consent, where consent is required.
• Taking steps at your request before entering into a contract.
• Performing a contract or providing a service you have requested.
• Complying with a legal or regulatory obligation.
• Protecting legitimate business interests, where permitted by applicable law and where those interests do not override your applicable rights and interests.

The applicable lawful basis may depend on the nature of the information, the service involved and the circumstances of the processing.

Where processing is based on consent, you may withdraw your consent where applicable. Withdrawal of consent does not affect the lawfulness of processing carried out before withdrawal.

We do not sell your personal information.

We may share personal information where reasonably necessary and permitted by applicable law, including with:

• Service providers supporting our website, communications, hosting, technology or business operations.
• Professional advisers, consultants or authorised representatives where required for a legitimate business purpose.
• Financial, lending, transaction or professional counterparties where necessary for an engagement and permitted by law.
• Payment, identity-verification, credit-assessment or other service providers, where relevant to a service and actually used.
• Government, regulatory or law-enforcement authorities where disclosure is legally required or permitted.
• Other parties where you have provided appropriate consent or where disclosure is otherwise permitted under applicable law.

We aim to limit information shared to what is reasonably necessary for the relevant purpose.

We will not list specific third-party providers, integrations or partners in this policy unless they have been confirmed and approved.

Liquiditti may use third-party providers to support website hosting, form submissions, communication, analytics, security, document management or other business functions.

The specific providers used may change over time.

Where third-party providers process personal information on our behalf, we will seek to use appropriate contractual, organisational and technical safeguards consistent with applicable requirements.

External websites, platforms and services linked from our website may have their own privacy policies. We encourage you to review the privacy information of any third-party service you access.

Our website may use cookies or similar technologies to support essential functionality, remember preferences, understand website usage or improve the user experience.

The types of cookies and technologies used depend on the actual tools configured on the website.

Where required, we will provide appropriate information and choices concerning non-essential cookies and similar technologies.

You can also manage certain cookie settings through your browser. Disabling some cookies may affect the functionality of parts of the website.

We take reasonable organisational and technical measures to protect personal information against unauthorised access, unlawful processing, accidental loss, destruction, alteration or disclosure.

The measures applied may include access controls, appropriate service-provider safeguards and operational procedures relevant to the information we process.

However, no website, transmission method or information-storage system can be guaranteed to be completely secure. You should exercise care when sharing information online.

Where a data breach occurs, we will take steps required under applicable law, including assessment, mitigation and notification where necessary.

We will not describe a particular encryption standard, security certification or technical control unless it has been verified and approved.

We retain personal information for no longer than reasonably necessary for the purposes for which it was collected, unless a longer period is required or permitted by applicable law.

Retention may depend on:

• The nature of the enquiry or relationship.
• Legal, regulatory and reporting obligations.
• Contractual or dispute-resolution requirements.
• Legitimate business and recordkeeping needs.
• Whether the information is required to establish, exercise or defend legal claims.

When personal information is no longer required, we will take reasonable steps to delete it, anonymise it or otherwise dispose of it in accordance with applicable requirements and our internal procedures.

We do not state a fixed retention period unless the relevant period has been confirmed and approved.

Some technology or service providers may store or process information outside Nigeria or outside your country of residence.

Where personal information is transferred across borders, Liquiditti will take steps required by applicable law and seek appropriate safeguards for the transfer and processing of that information.

The countries, providers and safeguards involved will depend on the services actually used by Liquiditti.

Subject to applicable law and relevant conditions, you may have rights relating to your personal information, including the right to:

• Be informed about the processing of your personal information.
• Request access to personal information held about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of personal information where applicable.
• Object to or request restriction of certain processing.
• Withdraw consent where processing is based on consent.
• Request data portability where applicable.
• Lodge a complaint concerning the handling of your personal information.
• Exercise other rights available under applicable data-protection laws.

These rights are not absolute and may be subject to legal exceptions, verification requirements and other applicable conditions.

To make a privacy request, contact us using the privacy contact details provided in Section 12.

We may need to verify your identity before responding to a request.

Our website and services are not intentionally directed at children.

We do not knowingly collect personal information from children through our website for purposes that are not permitted by applicable law.

If you believe that a child has provided personal information to us without appropriate authorisation, please contact us so that we can assess the situation and take appropriate steps.

If you have questions, requests or concerns about this Privacy Policy or the way Liquiditti processes personal information, please contact us.

Please use the approved privacy contact channel for data-subject requests where one has been designated.

We may update this Privacy Policy from time to time to reflect changes in our services, processing activities, legal obligations or privacy practices.

When we make changes, we will update the "Last Updated" date at the beginning of this policy.

Where required, we will provide additional notice or seek consent in accordance with applicable law.

We encourage you to review this page periodically.

Our website may contain links to third-party websites, platforms or services.

This Privacy Policy applies to Liquiditti's website and processing activities covered by this policy. It does not automatically apply to third-party websites or services.

We encourage you to review the privacy policies of any external websites you visit.