Ohere Technologies Limited Privacy Policy

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Effective Date: 31st May 2025

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This Privacy Policy explains how Ohere Technologies Limited ("Ohere," "we," "us," or "our") collects, uses, shares, and protects personal information in connection with our credit assessment services, credit card offerings, and mobile application ("Ohere App"). We are committed to safeguarding the privacy of our users and ensuring the security of their personal data. Please read this Privacy Policy carefully.

1. Introduction

Ohere Technologies Limited is a credit card issuer and credit assessment provider. We collect, process, and store your personal information to offer credit services and ensure that our operations comply with applicable laws and regulations. This Privacy Policy explains:

• What personal data we collect and why we collect it.
• How we use and share your data.
• Your rights regarding your personal data.
• How we protect your information.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

We collect various types of information to provide our services effectively. The types of data we collect include:

A. Personal Information

• Identity Information: Full name, date of birth, gender, nationality, identification numbers (e.g., National Identity Number, passport number).
• Contact Information: Email address, phone number, residential address, and postal address.
• Financial Information: Credit card details, Bank Verification Number (BVN), bank account information, income details, credit history, and other financial data necessary to assess your creditworthiness.
• Employment Information: Employer name, employment status, job title, and salary details.
• Credit Information: Your credit report, credit score, payment history, and other data from credit bureaus.