Privacy Policy

1 Information We Collect

We collect information you provide directly to us and information generated through your use of our platform:

• Personal Identification: Full name, email address, phone number, and national ID or BVN where required for installment applications.
• Property & Land Information: Survey documents, proof of land ownership, site address, and land coordinates provided during applications.
• Financial Information: Payment details, bank account information, and transaction records processed through our secure payment partners.
• Usage Data: Pages visited, time spent, device type, browser, IP address, and interaction logs collected automatically.
• Communications: Messages sent via contact forms, WhatsApp, email, or our support channels.
• Order & Production Data: Your batch tracking ID, production status, and delivery records linked to your account.

2 How We Use Your Data

We use the information we collect for the following purposes:

• Processing your home purchase or installment application and keeping you updated on its status.
• Generating and managing your production batch tracking ID.
• Communicating with you about orders, deliveries, payments, and support requests.
• Verifying your identity and land documentation as required by law and our internal processes.
• Improving our platform, website experience, and product offerings.
• Sending you relevant updates, offers, and news — you may opt out at any time.
• Complying with legal obligations under Nigerian law, including NDPR requirements.

3 Data Sharing

We do not sell your personal data. We may share your data only in the following circumstances:

• Service Providers: Trusted third parties who help us operate our platform — payment processors, cloud hosting, and SMS/email services — under strict confidentiality agreements.
• Legal Compliance: Where required by Nigerian law, court order, or regulatory authority.
• Business Transfers: In the event of a merger, acquisition, or asset sale, your data may be transferred with appropriate notice to you.
• With Your Consent: Any other sharing will only occur with your explicit permission.

4 Data Storage & Security

Your data is stored on secure cloud servers with encryption at rest and in transit. We implement industry-standard security measures including:

• SSL/TLS encryption for all data transmitted between your device and our servers.
• Access controls limiting who within Bankole can view sensitive personal data.
• Regular security audits and vulnerability assessments.
• Secure deletion of data once it is no longer needed for the purposes collected.

5 Cookies

Our website uses cookies and similar tracking technologies to enhance your experience. These include:

• Essential Cookies: Required for core functionality such as login sessions and the tracking portal.
• Analytics Cookies: Help us understand how visitors use our site (e.g. Google Analytics).
• Preference Cookies: Remember your language and display settings.

You can control cookies through your browser settings. Disabling non-essential cookies will not affect your ability to use our core services.

6 Your Rights

Under the Nigeria Data Protection Regulation (NDPR), you have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Ask us to correct any inaccurate or incomplete data.
• Deletion: Request deletion of your data, subject to legal and contractual obligations.
• Objection: Object to how we process your data in certain circumstances.
• Portability: Request your data in a portable, machine-readable format.
• Withdraw Consent: Withdraw consent for marketing communications at any time.

To exercise any of these rights, contact us at info@bankoleonline.com. We will respond within 30 days.

7 Third-Party Links

Our website may contain links to external websites or social media platforms. We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

8 Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us and we will promptly delete it.

9 Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will notify you via email or a prominent notice on our website. The "Last Updated" date at the top of this page will always reflect the most recent revision.

Continued use of our services after changes are posted constitutes your acceptance of the updated policy.

10 Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please reach out to us: