Privacy Policy
Effective Date: 24th September 2025
CJO International (“we,” “our,” “us”) values your privacy and is committed to protecting the personal and business information you share with us. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our Invoice Discounting Platform and related services.
By accessing or using the Platform, you consent to the practices described in this Policy.
1. Information We Collect
We may collect the following types of information:
(a) Personal Information
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Name, contact details (email, phone, address).
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Identification details for account verification (e.g., BVN, CAC records, or government-issued ID).
(b) Business Information
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Company name, registration details, tax identification.
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Invoices, contracts, and transaction records submitted for discounting.
(c) Technical Information
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IP address, browser type, and device information.
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Usage data such as login activity, preferences, and interactions with the Platform.
2. How We Use Your Information
We use collected information to:
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Provide invoice discounting and financial services.
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Verify business legitimacy and prevent fraud.
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Process transactions securely.
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Improve our services and user experience.
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Communicate updates, notifications, or promotional offers (with your consent).
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Comply with legal and regulatory obligations.
3. Sharing of Information
We do not sell or rent your personal information. However, we may share information with:
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Partner Banks and Financial Institutions – to facilitate invoice discounting.
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Corporate Partners – for verification and transaction support.
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Regulatory Authorities – where disclosure is required by law.
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Service Providers – for secure hosting, analytics, or customer support.
All third parties are required to maintain confidentiality and data security.
4. Data Security
We implement appropriate technical, administrative, and organizational measures to safeguard information, including:
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Encrypted data transmission.
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Restricted access to sensitive information.
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Regular system monitoring and risk assessments.
However, no system is completely secure, and we cannot guarantee absolute protection against cyber threats.
5. Data Retention
We retain user data only as long as necessary to:
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Provide services.
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Fulfill legal/regulatory obligations.
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Resolve disputes or enforce agreements.
Once no longer required, data will be securely deleted or anonymized.
6. Your Rights
As a User, you have the right to:
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Access the personal data we hold about you.
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Request corrections to inaccurate or incomplete information.
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Request deletion of data, subject to legal and contractual obligations.
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Opt out of marketing communications at any time.
To exercise these rights, contact us at [Insert Official Email].
7. Cookies and Tracking
Our Platform may use cookies and similar technologies to enhance functionality and user experience. Users can control cookie preferences through browser settings, but disabling cookies may limit platform functionality.
8. International Data Transfers
Where necessary, we may transfer data outside Nigeria. In such cases, we ensure compliance with NDPR and applicable international data protection standards.
9. Children’s Privacy
Our services are intended for businesses and individuals 18 years and older. We do not knowingly collect personal data from minors.
10. Changes to Privacy Policy
We may update this Policy from time to time. Any significant changes will be communicated via email or Platform notice. Continued use of our services indicates acceptance of the updated Policy.
11. Contact Information
If you have any questions, requests, or complaints regarding this Policy, please contact:
CJO International
Email:
Phone: +(234)-803-597-6361
Address: 16 Sotoria Avenue, Akwakkuma Owerri,
Imo State, Nigeria
