Privacy Policy

Update date: 2026-02-14
Effective date: 2026-02-14

Calm Credit is a digital lending application owned and operated by ARZIKI BRIDGE TECHNOLOGY LIMITED ("Company", "we", "us", or "our"). ARZIKI BRIDGE TECHNOLOGY LIMITED is the provider of the loan services made available through Calm Credit. We are committed to protecting your personal information and handling it lawfully, fairly, and securely.

By using our services, you agree to this Privacy Policy.

1. Information We Collect

Personal Information

Full name
Phone number
Email address
Date of birth
Residential address, where required
Identification information and supporting documents submitted for KYC, where required
Photographs, selfies, or camera-captured images used for identity verification, where required

This information is used for account registration, identity verification, loan application review, loan servicing, compliance, fraud prevention, and customer support.

Camera

We may access your device camera only for identity verification, KYC, or document capture purposes where required for our services.

Financial Information

Bank account details
Payment information
Transaction history relating to disbursement and repayment
Repayment records and account status

Such information is processed securely and only to the extent necessary to provide lending, payment, settlement, and repayment services, including through trusted service providers such as Paystack where applicable.

Device and Technical Information

Device model
Operating system
App version
IP address
Android ID
Device usage and log information necessary for security, fraud prevention, diagnostics, and service improvement

We do NOT collect IMEI, SMS messages, contact lists, or call logs.

2. Information We Do NOT Collect

SMS messages
Call logs
Contact lists
Information about unrelated applications on your device

3. How We Use Your Information

Provide and maintain services
Process loans and repayments
Verify identity and eligibility
Prevent fraud and security risks
Improve user experience
Provide customer support

4. Legal Basis for Processing

Performance of a contract
Compliance with legal obligations
Legitimate interests
Consent where required

5. Information Sharing

We do not sell your personal information.

We may share your information only where necessary and only for legitimate business, legal, regulatory, security, or service delivery purposes.

Payment and disbursement service providers
Identity verification and anti-fraud providers
Cloud and infrastructure providers
Professional advisers and auditors
Regulatory and law enforcement authorities
Debt recovery and dispute resolution partners

6. Third-Party Services

Paystack

Purpose: Payment processing and settlement
Data: Name, payment details, transaction data
Usage: Transaction processing only
Website: https://paystack.com
Email: hello@m.paystack.com

7. Data Security

We use industry-standard safeguards including HTTPS/SSL encryption and access controls. However, no system is completely secure.

8. Data Retention

We retain personal information only as long as necessary to provide services, comply with legal obligations, prevent fraud, and resolve disputes.

9. Your Rights

Access your personal data
Request corrections
Request deletion
Withdraw consent
Object to processing
Lodge complaints

Contact: credit@arzikibridge.vip

10. Account Deletion

You may request account deletion via the App or email. Some data may be retained for legal reasons.

11. Children

Services are not intended for individuals under 18.

12. International Processing

Your data may be processed across different jurisdictions with appropriate safeguards.

13. Nigeria Compliance

We comply with applicable Nigerian laws where relevant.

14. Updates to This Policy

We may update this policy and will notify users where required.

15. Contact

ARZIKI BRIDGE TECHNOLOGY LIMITED
NO. 10, VISTULA CLOSE, MAITAMA, ABUJA, FCT, NIGERIA
Post Code: 900271
Website: https://arzikibridge.vip/
Email: credit@arzikibridge.vip
Phone: +2348081136448