Your Privacy Matters to Us

1.1 Personal Information You Provide

When you create an account, apply for rent financing or rent to own, use our services, we would collect:

• Contact Information: Name, email address, phone number, residential address.
• Financial Information: Bank account details, income information, employment details, credit history.
• Identification Information: Government-issued ID (e.g., National ID, Driver's License, BVN), date of birth.
• Rental Information: Desired apartment details, landlord information, rental agreement documents.
• Account Credentials: Username, password, and security questions.

1.2 Information We Collect Automatically

When you use the ULE platform, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages viewed, features used, time spent on the platform, click patterns
• Location Data: Approximate geographic location based on IP address (with your consent, precise location if enabled)

1.3 Information from Third Parties

We may receive information about you from:

• Credit Bureaus: To assess your creditworthiness and eligibility for rent financing
• Identity Verification Services: To confirm your identity and prevent fraud
• Partners and Affiliates: Property owners, landlords, and financial institutions with whom we work.
• Social Media Platforms: If you choose to link your social media accounts.

2.1 To Provide and Improve Our Services

• Process your housing finance applications and manage your account
• Match you with suitable rental properties and landlords
• Facilitate credit disbursement and repayment
• Provide customer support and respond to your inquiries
• Improve our platform's functionality and user experience

2.2 To Assess Your Eligibility

• Evaluate your creditworthiness and ability to repay credit.
• Verify your identity and prevent fraud
• Determine appropriate credit amounts, interest rates, and repayment terms

2.3 For Communication and Marketing

• Send you important updates about your account, credit, and transactions.
• Notify you of new features, promotions, and financing options
• Request feedback and conduct surveys to improve our services
• Send marketing communications (you can opt out at any time)

2.4 For Legal and Security Purposes

• Comply with applicable laws, regulations, and legal obligations
• Detect, prevent, and address fraud, security breaches, and illegal activities
• Enforce our Terms of Service and protect our rights and property
• Respond to legal requests from authorities or courts

2.5 For Analytics and Research

• Analyze user behavior and platform performance
• Conduct research to improve our financing products and services
• Create aggregated, anonymized data for business insights (which does not identify you personally).

3.1 Service Providers and Partners

We work with trusted third-party service providers to help us operate our platform, including:

• Payment Processors: To facilitate credit disbursements and repayments
• Credit Bureaus and Verification Services: To assess creditworthiness and verify your identity
• Technology and Hosting Providers: To maintain our platform and secure your data.
• Customer Support Tools: To provide efficient assistance
• Marketing and Analytics Platforms: To improve our services and communicate with you

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.2 Landlords and Property Owners

With your consent, we may share relevant information with landlords and property owners to facilitate your rental application and lease agreement.

3.3 Financial Institutions

We may share your financial information with banks and lending partners to process your housing financing requests.

3.4 Legal and Regulatory Authorities

We may disclose your information when required by law or in response to:

• Legal processes (subpoenas, court orders, government requests)
• Investigations into fraud, illegal activities, or violations of our Terms of Service
• Protecting the rights, safety, and property of ULE, our users, or the public

3.5 Business Transfers

If ULE is involved in a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We will notify you before your information is transferred and becomes subject to a different privacy policy.

3.6 With Your Consent

We may share your information with other parties when you explicitly consent or direct us to do so.

Types of Cookies We Use:

• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

Managing Cookies:

You can control and manage cookies through your browser settings. However, disabling certain cookies may affect your ability to use some features of the ULE platform.