1:"$Sreact.fragment" 2:I[73478,["/_next/static/chunks/44oxwbh__ebkl.js","/_next/static/chunks/41mpijg_f1qf6.js"],"SiteNav"] 17:X 1c:X 1c:C 0:{"buildId":"malX6DgpTdH9kqyJClWf1","data":[{"rsc":["$","$1","c",{"children":[[["$","a",null,{"href":"#main","className":"sr-only focus:not-sr-only focus:absolute focus:left-6 focus:top-6 focus:z-[60] focus:rounded-full focus:bg-forest focus:px-5 focus:py-3 focus:text-sm focus:text-cream","children":"Skip to content"}],["$","$L2",null,{}],["$","main",null,{"id":"main","children":["$","article",null,{"className":"wrap section","children":[["$","p",null,{"className":"label tick","children":"Ogèdí"}],["$","h1",null,{"className":"display display-lg mt-8 max-w-[20ch]","children":"Privacy Policy"}],["$","p",null,{"className":"lead mt-8 max-w-[62ch]","children":"This Privacy Policy explains how Ogedi Solutions Limited (RC 9829367), trading as Ogèdí Finance, collects, uses, discloses and retains personal data in connection with its website and application. 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the data controller in respect of the personal data described in this Policy.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[1,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Ogedi Solutions Limited (RC 9829367), a company incorporated in the Federal Republic of Nigeria with its registered office at 95 Okota Rd, Oshodi-Isolo, Lagos, Nigeria, trading as Ogèdí Finance (“Ogèdí”, “we”, “us”, “our”), is the data controller in respect of the personal data described in this Policy."}]]}]]}],["$","p","This Policy applies to the website at ogedi.com.ng, to the application at app.ogedi.com.ng, and to any other channel through which we deal with you.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums 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2b:I[27201,["/_next/static/chunks/44oxwbh__ebkl.js"],"IconMark"] 2c:I[39756,["/_next/static/chunks/44oxwbh__ebkl.js"],"default"] 2d:I[37457,["/_next/static/chunks/44oxwbh__ebkl.js"],"default"] 2f:I[79520,["/_next/static/chunks/44oxwbh__ebkl.js"],""] :HL["/_next/static/chunks/33gvn5p315314.css","style"] 3:["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[2,"."]}],["$","span",null,{"className":"min-w-0","children":"Personal data we process"}]]}] 4:["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","We process the following categories of personal data:",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[2,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We process the following categories of personal data:"}]]}]]}]],["$","ul",null,{"className":"mt-5 max-w-[62ch]","children":[["$","li","**Identity data** — name, date of birth, gender, occupation and photograph.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","a",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Identity data"}],["$","span","1",{"children":" — name, date of birth, gender, occupation and photograph."}]]}]]}],["$","li","**Contact data** — telephone number, email address and residential address.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","b",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Contact data"}],["$","span","1",{"children":" — telephone number, email address and residential address."}]]}]]}],["$","li","**Verification data** — the type and number of your government-issued identification, including the National Identification Number you provide when you register, images of that document, and the verification recording made before disbursement.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","c",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Verification data"}],["$","span","1",{"children":" — the type and number of your government-issued identification, including the National Identification Number you provide when you register, images of that document, and the verification recording made before disbursement."}]]}]]}],["$","li","**Financial data** — bank account details, income information, applications, loans, payments, receipts and repayment history.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","d",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Financial data"}],["$","span","1",{"children":" — bank account details, income information, applications, loans, payments, receipts and repayment history."}]]}]]}],["$","li","**Guarantor data** — the identity, contact and relationship details of the persons you name as guarantors, and their responses to us.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","e",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Guarantor data"}],["$","span","1",{"children":" — the identity, contact and relationship details of the persons you name as guarantors, and their responses to us."}]]}]]}],["$","li","**Device and usage data** — device identifiers, installation status, notification subscriptions, and records of your activity on the Platform.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","f",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Device and usage data"}],["$","span","1",{"children":" — device identifiers, installation status, notification subscriptions, and records of your activity on the Platform."}]]}]]}],"$L21"]}]]}] 5:["$","li","Where it comes from",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[3,"."]}],["$","span",null,{"className":"min-w-0","children":"Where it comes from"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Most personal data is provided by you. We also generate personal data about you in the course of operating your account, and we may obtain it from licensed credit bureaux, identity verification and fraud prevention providers, payment providers, financial institutions, your guarantors, and publicly available sources.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[3,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Most personal data is provided by you. We also generate personal data about you in the course of operating your account, and we may obtain it from licensed credit bureaux, identity verification and fraud prevention providers, payment providers, financial institutions, your guarantors, and publicly available sources."}]]}]]}],["$","p","Where you provide personal data relating to another person, including a guarantor, you confirm that you are authorised to do so and that you have brought this Policy to that person's attention.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[3,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Where you provide personal data relating to another person, including a guarantor, you confirm that you are authorised to do so and that you have brought this Policy to that person's attention."}]]}]]}]],null]}]]}] 6:["$","li","How and why we use it",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[4,"."]}],["$","span",null,{"className":"min-w-0","children":"How and why we use it"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","We process personal data on the following bases:",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[4,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We process personal data on the following bases:"}]]}]]}]],["$","ul",null,{"className":"mt-5 max-w-[62ch]","children":[["$","li","**Performance of a contract** — to register and administer your account, assess an application, prepare and perform a loan agreement, collect repayment, and provide support.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","a",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Performance of a contract"}],["$","span","1",{"children":" — to register and administer your account, assess an application, prepare and perform a loan agreement, collect repayment, and provide support."}]]}]]}],["$","li","**Compliance with a legal obligation** — to carry out customer due diligence and anti-money-laundering checks, to keep the records a lender is required to keep, and to respond to lawful requests.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","b",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Compliance with a legal obligation"}],["$","span","1",{"children":" — to carry out customer due diligence and anti-money-laundering checks, to keep the records a lender is required to keep, and to respond to lawful requests."}]]}]]}],["$","li","**Our legitimate interests** — to assess creditworthiness, prevent and investigate fraud, including by ensuring that no person holds more than one account, recover sums owed, secure and improve the Platform, develop products, and pursue the commercial purposes described below.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","c",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Our legitimate interests"}],["$","span","1",{"children":" — to assess creditworthiness, prevent and investigate fraud, including by ensuring that no person holds more than one account, recover sums owed, secure and improve the Platform, develop products, and pursue the commercial purposes described below."}]]}]]}],["$","li","**Your consent** — for marketing communications and push notifications, which you may withdraw at any time without affecting anything done before you withdrew it.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","d",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"Your consent"}],["$","span","1",{"children":" — for marketing communications and push notifications, which you may withdraw at any time without affecting anything done before you withdrew it."}]]}]]}]]}]]}]]}] 7:["$","li","Automated processing",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[5,"."]}],["$","span",null,{"className":"min-w-0","children":"Automated processing"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","We use automated processing to assess eligibility, determine credit limits and pricing tiers, and detect fraud. A decision affecting an application may be taken solely by automated means.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[5,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We use automated processing to assess eligibility, determine credit limits and pricing tiers, and detect fraud. A decision affecting an application may be taken solely by automated means."}]]}]]}],["$","p","You may ask for such a decision to be reviewed by a member of our staff by writing to hello@ogedi.com.ng.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[5,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You may ask for such a decision to be reviewed by a member of our staff by writing to hello@ogedi.com.ng."}]]}]]}]],null]}]]}] 8:["$","li","Disclosure to others",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[6,"."]}],["$","span",null,{"className":"min-w-0","children":"Disclosure to others"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","We may disclose personal data to:",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[6,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may disclose personal data to:"}]]}]]}]],["$","ul",null,{"className":"mt-5 max-w-[62ch]","children":[["$","li","our holding company, subsidiaries and affiliates;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","a",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"our holding company, subsidiaries and affiliates;"}]]}]]}],["$","li","service providers who host, operate, secure, support or supply services to the Platform, and who process personal data on our instructions;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","b",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"service providers who host, operate, secure, support or supply services to the Platform, and who process personal data on our instructions;"}]]}]]}],["$","li","payment providers, financial institutions and settlement partners;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","c",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"payment providers, financial institutions and settlement partners;"}]]}]]}],["$","li","identity verification, credit assessment and fraud prevention providers;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","d",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"identity verification, credit assessment and fraud prevention providers;"}]]}]]}],["$","li","licensed credit bureaux, other lenders and industry information-sharing schemes;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","e",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"licensed credit bureaux, other lenders and industry information-sharing schemes;"}]]}]]}],["$","li","debt recovery agents, legal advisers, auditors, insurers and other professional advisers;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","f",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"debt recovery agents, legal advisers, auditors, insurers and other professional advisers;"}]]}]]}],["$","li","your guarantors, where an amount is overdue;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","g",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"your guarantors, where an amount is overdue;"}]]}]]}],["$","li","a regulator, law enforcement agency, court or other authority, where we are required or entitled to disclose; and",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","h",")"]}],["$","span",null,{"className":"min-w-0","children":"$L22"}]]}],"$L23"]}]]}]]}] 9:["$","li","Commercial use, and what we will not trade",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[7,"."]}],["$","span",null,{"className":"min-w-0","children":"Commercial use, and what we will not trade"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","We may share, transfer, license or otherwise make personal data available to third parties, including for commercial consideration and including for marketing, advertising, analytics, credit scoring and product development purposes, in each case where a lawful basis applies and to the extent permitted by law.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[7,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may share, transfer, license or otherwise make personal data available to third parties, including for commercial consideration and including for marketing, advertising, analytics, credit scoring and product development purposes, in each case where a lawful basis applies and to the extent permitted by law."}]]}]]}],["$","p","**We do not sell sensitive personal data.** For the purposes of this Policy sensitive personal data includes your National Identification Number and any other government-issued identifier, images of your identification documents, biometric data, your verification recording, and your bank account credentials.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[7,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"We do not sell sensitive personal data."}],["$","span","1",{"children":" For the purposes of this Policy sensitive personal data includes your National Identification Number and any other government-issued identifier, images of your identification documents, biometric data, your verification recording, and your bank account credentials."}]]}]]}],["$","p","You may object to the processing described in this section at any time by writing to hello@ogedi.com.ng. An objection does not affect processing that is necessary to administer a loan or to meet a legal obligation.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[7,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You may object to the processing described in this section at any time by writing to hello@ogedi.com.ng. 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It is not a means of applying for a loan and nothing entered into it forms part of an application.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[13,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"The chat facility is a support channel only. 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