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
- 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
- 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 data with trusted third-party service providers for payment processing and fraud prevention. We implement strong security measures.
5. Your Rights
- 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
We may update this policy from time to time. Continued use of our services after updates means you accept the changes.
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
- Failed transactions where amount was deducted but service was not provided;
- Duplicate payments made in error;
- Unauthorized charges if reported within 7 days.
3. Non-Refundable Services
- Membership fees for Kubgak Cooperative;
- Loan repayments and processing fees;
- Completed transactions for digital products or services.
4. Refund Process
Contact kubgak@gmail.com within 7 days of the transaction. Provide proof of payment and transaction details. Refunds (if approved) processed within 10 business days via original payment method.
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
Must be 18 years or older for financial services. Users must provide accurate personal information.
3. Financial Services & Cooperative Membership
Members must save for a specified period before applying for loans. Loan approval subject to creditworthiness. Defaulting 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
Not liable for losses due to user negligence or service interruptions caused by technical issues beyond our control.
6. Account Termination
We may suspend or terminate accounts for fraudulent activities, violation of terms, or misuse of services.
7. Governing Law
Governed by the laws of Nigeria. Disputes resolved through arbitration or appropriate legal channels. For support: kubgak@gmail.com.