Privacy Policy
Privacy Policy
1. Introduction
Kubgak Limited (“we,” “us,” “our”) respects your privacy and is committed to protecting your personal data. This policy explains how we collect, use, and protect your information.
2. Information We Collect
We collect personal information when you interact with our services, including:
- Personal details (name, phone number, email, address)
- Financial information (for cooperative savings and loan applications)
- Transaction data (payments, withdrawals, purchases)
- Technical data (IP address, device information)
3. How We Use Your Information
We use your data to:
- Process transactions and provide services
- Verify your identity for financial services
- Improve our website and customer experience
- Comply with legal and regulatory obligations
4. Data Sharing and Security
- We do not sell or rent your personal data.
- We may share your data with trusted third-party service providers for payment processing and fraud prevention.
- We implement strong security measures to protect your data.
5. Your Rights
You have the right to:
- Access, update, or delete your personal data
- Opt-out of marketing communications
- Request a copy of your stored data
For inquiries, contact [kubgak@gmail.com].
6. Updates to This Policy
We may update this policy from time to time. Continued use of our services after updates means you accept the changes.
Refund Policy
Refund Policy
1. General Policy
Kubgak Limited offers non-refundable services unless stated otherwise. However, we may issue refunds under certain conditions.
2. Refund Eligibility
Refunds are considered in the following cases:
- Failed transactions where the amount was deducted but the service was not provided.
- Duplicate payments made in error.
- Unauthorized charges if reported within 7 days of the transaction.
3. Non-Refundable Services
- Membership fees for Kubgak Cooperative.
- Loan repayments and processing fees.
- Completed transactions for digital products or services.
4. Refund Process
- To request a refund, contact [kubgak@gmail.com] within 7 days of the transaction.
- Provide proof of payment and transaction details.
- Refunds (if approved) will be processed within 10 business days via the original payment method.
Kubgak Limited reserves the right to modify this refund policy at any time
Terms and Conditions
Terms and Conditions
1. Introduction
These Terms and Conditions govern your use of Kubgak Limited’s services. By using our services, you agree to these terms.
2. Eligibility
- You must be 18 years or older to use our financial services.
- Users must provide accurate personal information during registration.
3. Financial Services & Cooperative Membership
- Members of Kubgak Cooperative must save with us for a specified period before applying for loans.
- Loan approval is subject to creditworthiness and internal policies.
- Defaulting on loan payments may result in penalties and legal action.
4. Payments & Transactions
- All payments must be made through approved methods.
- We are not responsible for third-party transaction failures.
5. Limitation of Liability
Kubgak Limited is not liable for:
- Losses due to user negligence (e.g., sharing login details).
- Service interruptions caused by technical issues beyond our control.
6. Account Termination
We may suspend or terminate accounts for:
- Fraudulent activities
- Violation of these terms
- Misuse of our services
7. Governing Law
These terms are governed by the laws of Nigeria. Any disputes shall be resolved through arbitration or the appropriate legal channels.
For support, contact [kubgak@gmail.com].