Privacy Policy

Background

We're Kilofe Nigeria Limited ("we", "our", "us") operating as BAFF, registered with the Corporate Affairs Commission. This policy explains:

• What information we collect about you.
• How we collect and use the information you share with us.
• With whom we share that information.

You are not required to share your information, but using our services may depend on it. This policy also explains when we share your personal information with third parties like service providers and credit bureaus.

What Information Do We Collect?

Information you give us on BAFF Applications: This includes your full name, BVN, ID documents, address, profile picture, and transaction details. We may also request access to your address book, location, photos, or camera when needed.

• Information required for regulatory compliance (e.g. BVN, date of birth, address).
• Profile photos and liveness video for identity verification (shared with a third-party).
• Messages sent via in-app chat.

How Do We Use Your Information?

We process your data based on legal grounds defined by the NDPR 2019, including legal obligations, legitimate interest, public interest, or your consent.

Who Do We Share Your Information With?

We may securely share your data with third-party service providers, credit bureaus, or law enforcement agencies as legally required or to provide services.

How Long Do We Keep Your Data?

We retain your information while you're a customer, and afterward as required by law or regulation.

What Are Your Rights?

You can request access to your data, ask for updates, deletion, or restrict how it’s used. You may also object to marketing uses or withdraw any previously given consent.

How to Make a Complaint

If you have any concerns about your personal data, contact our Data Protection Officer via the app or email at support@baffapp.com.