Privacy Policy

This Privacy Policy describes the types of information collected, recorded, processed, shared, and how these are done, when you visit and/or use this website. This is in furtherance of our quest to protect your personal information. If you have more questions or require additional clarifications about our Privacy Policy, please do not hesitate to reach out to us.

This Privacy Policy is relevant only to activities on our website and applies solely to those visiting our website in respect of information they share and/or that is collected on our website. To be clear, this Privacy Policy does not apply to information collected in our physical branches or on our electronic platforms other than this website. www.livingtrustng.com is not an email service, but a corporate website. While it is not required that you sign up, you may send us general enquiries, facility applications, whistleblower complaints, and other information. LivingTrust Mortgage Bank is dedicated to protecting your information always.

The customers of LivingTrust Mortgage Bank have the option to elect how their personal information can be shared, and we urge you to make choices that would assist us in meeting your financial needs through our various products and services.

By using www.livingtrustng.com, you hereby consent to our Privacy Policy and agree to our terms.

The information we collect

LivingTrust Mortgage Bank collects your information in accordance with extant regulations and statutes. If you reach out to us, we may receive personal information such as your name, email address, phone number, the content of your message, and any other information you may choose to provide.

How we collect information

We collect information through our website from visitors, customers, and/or users. Specifically, we collect personal information in the following instances:

• When you request a loan facility through our website application form
• When you request to open an account through our website
• When you send us a whistleblower complaint
• When you make general enquiries
• When you make use of the mortgage calculator on our website
• When you complete our Loan Pre-Assessment Form
• When you make enquiries about our products and services

How we use your information

We use the information collected from you in several ways, including:

• To render personalized services to you
• To treat your requests, carry out your instructions, and manage your transactions
• To investigate your complaints
• To assess your capacity towards accessing our services and products
• To provide guides and clarifications to you
• To improve, personalize, and expand our services/products and website
• To develop new products, services, features, and functionalities, and to generally improve customer/user satisfaction
• To send you emails and to generally communicate with you
• To log files
• For marketing and promotional purposes, and updates on special promotions that may be of interest to you, until you express the wish to stop receiving such
• To provide you with information and updates relating to our products/services and website, and to ensure such information is relevant to your needs and interests
• To understand and analyze how our customers use our website
• To uncover and prevent financial crimes including fraud, money laundering, and financing for terrorism, in order to ensure sustainability and security
• To comply with regulatory and statutory obligations, and to share with regulators when required
• To operate and maintain our website

The information collected by log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), Operating System (OS), date and time stamp, referring/exit pages, and in some cases, the number of clicks. These are not linked to any information that identifies individuals. Rather, the purpose is to analyze trends, administer the website, gain market insights for our own business purposes, track users' movement on the website, and gather demographic information. Notwithstanding the foregoing, LivingTrust Mortgage Bank will only use your information upon your consent or as allowed or mandated by statute or regulations.

How we share your information

In our bid to ensure that our products and services continue to be relevant to your needs, LivingTrust Mortgage Bank may outsource its product delivery. Whenever this is done, it will be carried out in line with extant laws and regulations. Your information may also be shared in order to provide you with services or products requested by you. Whenever we have a legal or public duty to do so, we will share your information.

Security of Personal Information

Protection of your personal information is our priority. To secure your information, safeguard it from inadvertent/illegal/destructive alteration and/or destruction, and prevent unauthorized access and usage, we ensure online, offline, and process-based security measures in compliance with relevant statutes and regulations. We also engage in creating regular awareness for our employees in respect of appropriate management of personal information. When we engage third parties to render services, we take legal measures to ensure they protect personal information received by them.

Data Protection Rights

Based on our commitment to transparency and user privacy, we wish to ensure that you are aware of your data protection rights. Each user of our website is entitled to the following:

• The right to access — Users have the right to access their personal data held by the Bank. If you request copies of your personal data, the cost may be borne by you.
• The right to rectification — Users have the right to request that we correct any inaccurate or incomplete information. If the information has been disclosed to third parties prior to rectification, such receiving party will be notified of the rectification, if possible. Users also have a right to know the third parties to whom their data was disclosed, where appropriate.
• The right to erasure — Users have the right to request that we delete or remove their personal data, under certain conditions. While the Bank will ensure the protection of this right, it may not apply where there is a compelling legal or regulatory requirement to continue processing or storage of such information.
• The right to restrict processing — Users have the right to request that we restrict the processing of their personal data, under certain conditions.
• The right to object to processing — Users have the right to object to our processing of their personal data, under certain conditions.
• The right to be informed — Users have a right to be informed about what we do with their personal data.
• The right to data portability — Users have the right to request that we transfer the data that we have collected to another organization, or directly to them, under certain conditions. When this right is exercised, we will ensure safe and secure transmission of the data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please reach out to us.

Cookies and Web Beacons

Cookies are placed on your hard drive to store information including visitors' preferences and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information. They also allow our website to identify when you log on to our site and to analyze web traffic.

Beyond the data you choose to disclose to us, we cannot access your computer or any other information about you with cookies. While most browsers accept cookies without prompting you, you can amend your browser settings to disable cookies. However, when you do this, your experience while using our website may not be optimal.

Cookies we use on this website

When you first visit, we ask whether you agree to analytics cookies. Nothing beyond the strictly necessary items below is used unless you choose to allow it, and you can change your choice at any time.

To change your choice, use Cookie settings (also in the footer of every page). Withdrawing consent stops analytics immediately and removes the analytics cookies from this website.

Individual Responsibility

Users have an obligation to ensure that the information shared with the Bank is accurate and complete. In the event of changes to information disclosed, such user should notify the Bank to enable us to give effect to such changes.

If you require further clarification on this Privacy Policy, contact us at our office at Kilometer 2, Gbongan Expressway, Osogbo, Osun State, or send us a mail via info@livingtrustng.com.

This Privacy Policy is subject to periodic review, and the updated version can be accessed at www.livingtrustng.com/privacy_policy.