Privacy Policy

Effective Date: 28th April 2026  |  Last Updated: 28th April 2026

1. Introduction

Sustainable Finance ("Company", "we", "us", or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website sustainablefinance.ng (the "Site") or utilize our services, including financing for CNG conversions, acquisition of CNG vehicles/spare parts, maintenance, hire purchase, and leasing.

We comply with the Nigeria Data Protection Act (NDPA) 2023 and the Nigeria Data Protection Regulation (NDPR).

2. Information We Collect

We collect personal data necessary to facilitate sustainable energy asset financing.

A. Personal Identification Information

  • Full name, date of birth, BVN (Bank Verification Number), NIN, government-issued ID.
  • Residential/business address, phone number, email address.
  • Next of kin details.

B. Financial & Credit Information

  • Bank statements, source of income, credit history.
  • Tax identification number (TIN) and business registration documents (for corporate offtakers).

C. Asset & Transactional Information

  • Details of CNG assets (vehicle, conversion kit, spare parts).
  • Maintenance records and vehicle usage data (for leased assets).
  • Payment history and repayment performance.

D. Technical Data

  • IP address, browser type, cookies, and usage patterns on our Site.

3. How We Collect Your Data

  • Directly from you: Application forms, contracts, customer support.
  • Automatically: Via cookies on our website.
  • Third parties: Credit bureaus (e.g., CRC Credit Bureau), guarantors, and employers.

4. Legal Basis for Processing (Under NDPA)

We process your data based on:

  • Contractual necessity: To underwrite and disburse CNG hire purchase/leases.
  • Legal obligation: KYC (Know Your Customer), tax compliance.
  • Legitimate interests: Fraud prevention, asset tracking, credit scoring.
  • Consent: For marketing communications (you may withdraw anytime).

5. How We Use Your Information

We use your data to:

  • Evaluate eligibility for CNG asset financing (hire purchase or lease).
  • Process loan disbursements, repayments, and maintenance bookings.
  • Track and recover CNG assets (GPS telematics for leased vehicles).
  • Verify identity to prevent money laundering and fraud.
  • Communicate payment reminders, overdue notices, and maintenance alerts.
  • Improve our website and services.

6. Disclosure of Your Information

We may share your data with:

Recipient Purpose
Credit Bureaus Credit reporting and risk assessment.
CNG Partners Vehicle suppliers, conversion centers, spare parts dealers, maintenance workshops.
Payment Processors Collecting installment payments.
Telematics Providers GPS tracking of leased CNG assets.
Law Enforcement If required by Nigerian law or court order.
Collection Agencies For recovery of defaulted hire purchase/lease payments.

We do not sell your personal data to third parties.

7. Data Retention

We retain personal data for 7 years after account closure or loan repayment, or as required by Nigerian financial regulations (e.g., CBN guidelines). After retention expiry, we securely delete or anonymize your data.

8. Data Security

We implement:

  • SSL encryption on our website.
  • Access controls and role-based permissions.
  • Regular security audits.
  • Staff training on NDPA compliance.

However, no internet transmission is 100% secure. You share data at your own risk.

9. Your Rights (Under NDPA 2023)

You have the right to:

  • Access: Request a copy of your data.
  • Rectification: Correct inaccurate data.
  • Erasure: Request deletion (subject to legal retention periods).
  • Object: Opt out of marketing or certain processing.
  • Data portability: Receive your data in a structured format.
  • Lodge a complaint: With the Nigeria Data Protection Commission (NDPC).

To exercise these rights, contact our Data Protection Officer (DPO) below.

10. Cookies & Tracking

Our website uses essential cookies for functionality. We may use analytics cookies (e.g., Google Analytics) to improve user experience. You can disable cookies via browser settings, but some features may break.

11. Third-Party Links

Our Site may link to CNG partners, payment gateways, or credit bureaus. We are not responsible for their privacy practices. Review their policies independently.

12. International Data Transfers

We do not currently transfer data outside Nigeria. If we do in the future (e.g., cloud services), we will ensure adequate safeguards per NDPA standards.

13. Children's Privacy

Our services are for adults (18+). We do not knowingly collect data from minors.

14. Changes to This Policy

We may update this policy. Changes are effective upon posting on this page with a revised "Last Updated" date. Significant changes will be notified via email or website banner.

15. Contact Information (Data Controller)

Sustainable Finance
17 Thaba Tseka Street, Wuse 2, Abuja, Nigeria
Email: info@sustainablefinance.ng
Phone: 09072094868

Data Protection Officer (DPO): info@sustainablefinance.ng

16. Complaints

If unresolved by us, you may complain to:
Nigeria Data Protection Commission (NDPC)
Website: https://ndpc.gov.ng