Privacy Policy

At PMI Capital Limited, we value your trust and are committed to protecting your personal information. This Privacy Policy details how we collect, use, store, share, and protect your data when you use our website, mobile application, virtual accounts, and loan facilities.

1. Information We Collect

We collect information that identifies you, helps us verify your identity, and assess your credit limit:

• Bio Data: Full name, phone number, email address, physical address.
• Financial Data: Bank Account Details, Bank Verification Number (BVN), Credit Bureau scores, bank statements, and transaction histories.
• Verification Data: National Identification Number (NIN) and government ID details.
• Employer Details: Current employment status, salary details, job title, and company name.

2. How We Use Your Data

Your personal details are used to perform necessary credit underwriting, verify identity via Prembly and PebbleScore API services, fund virtual wallets, issue loans, handle repayments, and satisfy regulatory reporting obligations.

3. Data Sharing & Security

We do not sell your personal data. We only share your data with authorized financial clearing networks, credit reference bureaus, identity verification partners, and our bank partners (like Wema Bank / Providus Bank) to establish dedicated virtual accounts or disburse credit.

4. Your Privacy Rights

Under the Nigeria Data Protection Act (NDPA), you have the right to request access to, correction of, or erasure of your personal data stored within our systems. For data inquiries, please reach out to our Data Protection Officer at privacy@pmicapitalltd.com.