Privacy Policy
Effective Date: Jan 4, 2025
1. Introduction
Welcome to ntloss.com (the "Site"), operated by ("Company," "we," "us," or "our"). We are committed to protecting the privacy and security of the personal data of our website visitors ("you").
This Privacy Policy explains how we collect, use, process, share, and protect your Personal Data when you visit or use our Site. It also outlines your data protection rights under applicable laws, including the Nigeria Data Protection Act (NDPA) 2023.
By using this Site, you acknowledge that you have read and understood this Privacy Policy.
2. Data Controller
For the purpose of the NDPA 2023 and other applicable data protection laws, the Data Controller is:
New Trend Loss Adjusters Limited
legal@ntloss.com
3. Information We Collect
We may collect and process the following types of Personal Data about you:
- Personal Identification Information: Data you voluntarily provide to us, such as your name, email address, phone number, company name, job title, and any other information you choose to provide when you fill out contact forms, subscribe to newsletters (if applicable), or otherwise communicate with us through the Site.
- Usage Data: Information collected automatically when you access the Site. This may include your IP address, browser type and version, operating system, referral source, pages visited, time spent on pages, dates and times of access, and other diagnostic data related to your interaction with our Site.
- Cookies and Tracking Technologies: We use cookies and similar tracking technologies (like web beacons) to track activity on our Site, store certain information, and improve your user experience. See Section 9 ("Cookies and Tracking Technologies") for more details.
4. Lawful Basis for Processing Personal Data
We collect and process your Personal Data based on one or more of the following lawful bases under the NDPA 2023:
- Consent: Where you have given clear consent for us to process your Personal Data for a specific purpose (e.g., subscribing to a newsletter).
- Legitimate Interests: Where the processing is necessary for our legitimate interests (or those of a third party), such as operating and improving our Site, responding to your inquiries, ensuring network security, or preventing fraud, provided your fundamental rights do not override those interests.
- Legal Obligation: Where the processing is necessary for us to comply with the law.
- Contract: Where processing is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract (less likely for a purely informational site, but may apply if specific services are contracted via the site).
5. How We Use Your Information
We use the Personal Data we collect for various purposes, including:
- To provide, operate, and maintain our Site.
- To respond to your inquiries, comments, or questions submitted through contact forms or email.
- To improve the Site, analyze usage patterns, and enhance user experience (using aggregated or anonymized data where possible).
- To send you informational or promotional communications, only if you have explicitly consented to receive them.
- To ensure the security and integrity of our Site.
- To comply with applicable legal and regulatory obligations.
- To enforce our Terms of Use.
6. Data Sharing and Disclosure
We do not sell your Personal Data. We may share your Personal Data in the following limited circumstances:
- Service Providers: With trusted third-party vendors, consultants, and other service providers who perform services on our behalf (e.g., website hosting, data analytics, email delivery) and need access to such information to carry out their work for us. These providers are contractually obligated to protect your data and use it only for the purposes we specify.
- Legal Requirements: If required to do so by law or in response to valid requests by public authorities (e.g., a court, government agency, or the Nigeria Data Protection Commission - NDPC).
- Protection of Rights: To protect and defend our rights or property, enforce our Terms of Use, or protect the personal safety of users of the Site or the public.
- Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company. You will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your Personal Data.
7. Data Security
We implement appropriate technical and organizational security measures designed to protect the security of any Personal Data we process. These measures aim to prevent unauthorized access, disclosure, alteration, or destruction of your data. However, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
8. Data Retention
We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). We will delete or anonymize your Personal Data when it is no longer needed for these purposes. The criteria used to determine our retention periods include the nature of the data, the purposes for which it was collected, and applicable legal or operational retention needs.
9. Cookies and Tracking Technologies
Our Site uses cookies (small text files placed on your device) and similar technologies to enhance user experience, analyze site traffic, and for other functions. We may use essential cookies (necessary for site functionality) and non-essential cookies (e.g., for analytics or performance).
You can control and manage cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of the Site. For more detailed information on the cookies we use, please see our [Link to Cookie Policy if you have one - otherwise, you can add more detail here or state you only use essential cookies]. By using our Site, you consent to the use of essential cookies. For non-essential cookies, we will seek your explicit consent where required by law.
10. International Data Transfers
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of Nigeria where the data protection laws may differ. This may occur if our service providers (e.g., hosting providers, analytics services) are based outside Nigeria.
If we transfer your Personal Data outside Nigeria, we will ensure that appropriate safeguards are in place as required by the NDPA 2023 to protect your data, such as ensuring the recipient country has an adequate level of data protection as determined by the relevant authorities, or by using Standard Contractual Clauses approved by the NDPC or other legally permitted transfer mechanisms.
11. Your Data Protection Rights under NDPA 2023
Under the Nigeria Data Protection Act 2023, you have certain rights regarding your Personal Data. Subject to legal limitations and requirements, these rights include:
- Right to Access: You can request copies of your Personal Data that we hold.
- Right to Rectification: You can request correction of inaccurate or incomplete Personal Data.
- Right to Erasure ('Right to be Forgotten'): You can request the deletion of your Personal Data under certain conditions.
- Right to Restrict Processing: You can request the restriction of processing your Personal Data under certain conditions.
- Right to Object to Processing: You can object to our processing of your Personal Data under certain conditions, particularly where processing is based on legitimate interests.
- Right to Data Portability: You can request the transfer of your Personal Data to another organization, or directly to you, under certain conditions.
- Right to Withdraw Consent: If we rely on your consent to process your data, you have the right to withdraw that consent at any time.
- Right to Lodge a Complaint: You have the right to lodge a complaint with the Nigeria Data Protection Commission (NDPC) if you believe your data protection rights have been violated.
12. How to Exercise Your Rights
To exercise any of these rights, please contact us using the contact details provided in Section 2 ("Data Controller") or Section 16 ("Contact Us"). We may need to verify your identity before responding to your request. We will respond to your request within the timeframes stipulated by the NDPA 2023 (typically one month).
13. Links to Other Websites
Our Site may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
15. Contact Us
If you have any questions about this Privacy Policy, our data practices, or wish to exercise your data protection rights, please contact us:
By email:
New Trend Loss Adjusters Limited
legal@ntloss.com
