Privacy policy.

1. Who we are

This policy explains how Credence Wealth Group Ltd (RC 1992425), #77, 24th St, NDC Quarters, Gudu, FCT, Nigeria ("CWG", "we") collects and uses personal data through CWG Atlas, our website and customer portal. We are the data controller for that data under the Nigeria Data Protection Act 2023.

Questions or requests about your data go to info@credencewealthgroup.com or +234 809 500 7000.

2. What we collect

We collect only what we need to answer you, sell or let to you, and keep your account secure.

• Contact details you give us: your name, phone number, email address and, for an account, your address and date of birth if you choose to add them.
• Enquiries and inspection requests: what you're interested in, your preferred dates and your message.
• Purchases and tenancies: the plot or home, the agreed price or rent, your payment plan, letters and agreements.
• Payments: amounts, dates, bank names, transfer references and the bank receipts you upload. We never ask for your card details or bank passwords.
• Account security: sign-in times, the device and browser used, and the phone number used to confirm a new device.

3. How we use it

We use your data to:

• Reply to enquiries and arrange inspections.
• Prepare offers, agreements, receipts and allocation letters, and keep your statement of account.
• Check payments against our bank statement and issue receipts.
• Send you messages about your account, payments and inspections by email or text message.
• Keep accounts secure and prevent fraud.
• Meet our legal, tax and accounting duties.

4. Our legal basis

We process your data to take steps you ask for before a contract and to perform it (enquiries, sales, tenancies and payments), to meet legal duties (tax and accounting records), and for our legitimate interest in keeping the platform secure. Where we rely on your consent, you can withdraw it at any time.

5. Who we share it with

Our staff see your data only as far as their role needs. We do not sell personal data. We share it only with:

• Service providers who host our systems and send our emails and text messages for us, under contracts that require them to protect it.
• Our professional advisers, such as lawyers, auditors and surveyors, where a transaction needs them.
• Government bodies and regulators where the law requires it, such as for land registration or tax.

6. How long we keep it

Enquiries that don't lead to a purchase are kept for up to two years. Records of sales, tenancies, payments and receipts are kept for as long as the law requires for accounting and land records, usually at least six years after the last transaction. Every change to these records is logged so they can be trusted.

7. Keeping it safe

Data is encrypted in transit, access is controlled by role, and every change to records is logged. Staff accounts and new devices need a second check at sign-in. If a breach ever puts your data at risk, we will tell you and the Nigeria Data Protection Commission as the law requires.

8. Your rights

Under the Nigeria Data Protection Act 2023 you can ask us, at info@credencewealthgroup.com, to:

• Tell you what data we hold about you and give you a copy.
• Correct anything that is wrong or incomplete.
• Delete data we no longer need, subject to records the law requires us to keep.
• Restrict or object to how we use it, or withdraw consent you have given.
• Move your data to another provider in a common format.

9. Cookies

We use only the cookies needed to keep you signed in and to protect your account. We do not use advertising or tracking cookies.

10. Complaints

If you're unhappy with how we've handled your data, contact us first and we'll try to put it right. You can also complain to the Nigeria Data Protection Commission.