KOLTEM DELIGHT INVESTMENT LTD

Introduction

This Privacy Policy explains how we collect, use, and protect your personal data in compliance with the Nigeria Data Protection Act 2023.

Information We Collect

We may collect:

• Full name
• Phone number
• Email address
• Bank details
• Government-issued ID
• Device & IP data

How We Use Your Data

Your data is used for:

• Account creation & management
• Identity verification (KYC)
• Processing transactions
• Fraud prevention
• Regulatory compliance

Data Sharing

We may share your data with:

• Regulatory authorities
• Payment processors
• Compliance partners

We do not sell your data.

Data Protection

We implement:

• Encryption
• Secure servers
• Restricted access controls

Your Rights

Under Nigerian law, you have the right to:

• Access your data
• Request correction
• Request deletion (where applicable)
• Withdraw consent

Data Retention

Your data will be retained only as long as required for:

• Legal obligations
• Business operations

Cookies

We use cookies to improve user experience and analytics.

Updates

We may update this policy periodically.