Privacy Policy

1. Who We Are

XanderDirect Limited ("we", "us", "our") is a financial services company established in 2021 and operating since 2022, with our head office at First Floor, Apartment 1B, 45 Ekwema Crescent, Same Building as Rennys Foods, Ikenegbu Layout, Owerri, Imo State, Nigeria, and branches in Onitsha and Aba. You can reach us at info@xanderdirect.com.

2. Information We Collect

We collect information you provide directly when you contact us, apply for a loan, subscribe to a thrift programme, make an investor enquiry, or visit our branches. This may include:

• Contact details: name, email address, phone number, postal address
• Identification documents: government-issued ID, photographs
• Business information: business name, type of activity, trading history
• Financial information: bank statements, income details, repayment capacity, references and guarantors
• Application and enquiry details: loan amounts, purposes, tenors, investment ranges
• Automatically collected information: browser type, device information, pages visited, and cookies as described in our Cookie Policy

3. How We Use Your Information

We use your information to:

• Assess and process loan applications, thrift subscriptions and investor enquiries
• Respond to your requests and communicate with you about our services
• Verify your identity and manage risk
• Comply with legal, regulatory and contractual obligations
• Improve our products, services and website

4. Legal Bases and Consent

We process personal information where it is necessary to perform a contract with you, comply with legal obligations, pursue legitimate business interests, or where you have given consent. You may withdraw consent at any time by contacting us.

5. Sharing Your Information

We do not sell your personal information. We may share it with service providers who assist our operations (for example, identity verification and delivery partners), regulators and authorities where required by law, and our professional advisers, always under appropriate safeguards.

6. Data Security

We apply administrative, technical and physical safeguards to protect your information against unauthorised access, loss or misuse. Access to customer records is limited to staff who need them to perform their duties.

7. Data Retention

We retain your information only as long as necessary to fulfil the purposes described in this policy, comply with legal and regulatory retention requirements, and resolve disputes.

8. Your Rights

You may request access to, correction of, or deletion of your personal information, and may object to certain processing. Requests can be sent to info@xanderdirect.com and will be handled in accordance with applicable law.

9. Children and Vulnerable Persons

Our services are intended for adults. We do not knowingly collect information from children, and we apply additional care when serving vulnerable customers.

10. Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Significant changes will be highlighted through our branches or communications where practicable.

11. Contact Us

For any question about this policy or your information, write to info@xanderdirect.com or visit our head office in Owerri or any branch.