Privacy Policy

This website is owned by Golden Ruby Investment Limited, a data controller.

We adopted this Privacy Policy to determine how we process information collected by Golden Ruby Investment Limited, and the reasons we collect certain personal data. You must read this Privacy Policy before using our website or financial services.

We protect your personal data and guarantee its complete confidentiality and maximum security.

Personal Data We Collect:

When visiting Golden Ruby Investment Limited, we automatically collect specific data about your device, including your browser, IP address, time zone, and installed cookies. As you browse, we collect details on viewed pages or financial products, referring search terms, and site interactions, termed “Device Information.” Additionally, we collect personal data provided during loan applications or investment registrations (including Name, Surname, Address, [BVN], [NIN], and payment information) to fulfill our regulatory and contractual obligations under Nigerian law.

Why We Process Your Data

Our priority is client data security. We process only minimal user data necessary to maintain our platform and deliver financial services like SME loans and fixed-tenor investments. Automatically collected info identifies potential abuse and establishes statistical usage data. This statistical data is never aggregated to identify any specific investor or borrower.

You can browse without revealing identifiable information. However, to access our premium financial advisory, secure an LPO finance facility, or subscribe to our updates, you may provide personal data like your email, name, city in Nigeria, organization, and [Phone number]. You can choose not to provide this data, but it may restrict your access to tailored financial solutions, loan processing, or invoice discounting features. Users unsure about mandatory details can contact us at [Email address].

Your Rights:

Under the NDPA, you possess the following rights regarding your personal financial data:

  • The right to be informed.

  • The right of access.

  • The right to rectification.

  • The right to erasure.

  • Right to restrict processing.

  • Right to data portability.

  • The right to object.

  • Automated decision rights.

To exercise any of these rights, please contact us using the official contact information below.

Additionally, we note that we process your information to fulfill contracts we have with you (e.g., executing a salary loan or fixed investment), or to pursue legitimate financial operations. Please note that data processing complies with Nigerian regulations, though data may be hosted on secure global servers.

Website Links:

Our site may link to external portals not controlled by Golden Ruby. We are not responsible for third-party privacy practices. We encourage you to read the privacy statements of any external site you visit.

Information Security:

We secure your financial data on servers in a controlled, secure environment, protected from unauthorized access. We maintain strict administrative and technical safeguards to prevent unauthorized data modification or disclosure. However, no internet transmission is entirely secure.

Legal Disclosure:

We will disclose information if required by Nigerian law, such as to comply with a subpoena, protect our rights, ensure safety, investigate fraud, or respond to official requests from regulators like the CBN.

Contact Information:

To understand more about this Policy or your Personal Information, send an email to [Email address].