Mr K - KiaKia - Seamless and quick access to credit

If you continue to browse and use this website, you agree to comply with and be bound by the following terms and conditions of use, which together with our privacy policy governs KiaKia's relationship with you. If you disagree with any part of these terms and conditions, please do not use our website. It is the responsibility of the user to read the sections below and to ensure that they fully understand the conditions, and by no means will KiaKia or any representative of KiaKia be held accountable for failure by a user to do so. If you have queries or you are unsure of the content, please feel free to contact us before you commence any activity on the website. Also note that accessing each product adds further unique terms and conditions that impacts your relationship with KiaKia. KiaKia promotes responsible borrowing and lending, please DO NOT expose yourself to credit if you know you cannot afford it.

1.1 Introduction

KiaKia^TM respects the privacy of each Visitor. KiaKia^TM has established this Privacy Policy to explain how Data is collected by KiaKia, and how this Data is used and disclosed. KiaKia^TM takes the protection of Personal Information very seriously. KiaKia^TM may process (for example, collect, use or disclose) Personal Information only as described in this Privacy Policy.

1.2 Collection

COLLECTION ON USE.
Once a Visitor visits this web site, a Visitor is not anonymous to KiaKia^TM. When visiting, each Visitor provides Data, which may include an ID number, a contact number, a street address, and an email address. KiaKia^TM may also record the IP address of a Visitor when adding Data.

CHILDREN.
KiaKia^TM does not intentionally gather Personal Information about visitors who are under the age of 13.

COLLECTION FROM BROWSER.
KiaKia^TM automatically receives and records information on the server logs of KiaKia^TM from the browser of a Visitor, including an IP address, KiaKia^TM cookie information, and the page requested. Each Visitor should be aware that other web sites visited before entering the web site might place Personal Information within a URL of a Visitor during a visit to it, and KiaKia^TM has no control over such web sites. Accordingly, a subsequent web site that collects URL information may log some Personal Information.

Use

MESSAGES AND UPDATES.
KiaKia^TM may send to a Visitor administrative messages and email updates regarding the web site, or its Services. In some cases, KiaKia may also send a Visitor, primarily promotional, messages.

COOKIES.
Personal Information may be used to improve the web site. KiaKia^TM may use cookies to save the session validators of a Visitor on its browsers and hard drives, and may use cookies to provide a tailored web site. IP addresses also help KiaKia^TM to diagnose problems with and to administer the web site.

UPDATING OR REMOVING.
A Visitor may choose to correct or update some of the Data they have submitted to KiaKia^TM. The client area also provides the user with an interface where details can be updated. If details change that impact the collectability or contractibility for an active product, the client is responsible for contacting KiaKia^TM to ensure that the correct details are present on the system.

UNAUTHORIZED USE.
Any unauthorised use of KiaKia^TM information systems is a violation of the Agreement and certain laws. Such violations may subject the person to civil and criminal penalties. Use of the services of this website is limited to residents of Nigeria or any individual residing in Nigeria with the proper clearance documentation and temporary identification documentation.

INTERCEPT AND MONITOR.
KiaKia^TM may intercept, monitor, block, filter, read, delete, and disclose any communication over its information system. This includes, but is not limited to the tracking of user Internet Protocol addresses (IP Addresses) and users agree that KiaKia may request their personal information from their Internet Service Provider for whatever reason the site sees fit in order to ensure a safe and trusted relationship with the user.

LIMITATION.
KiaKia^TM is not responsible for, gives no warranties, nor makes any representations in respect of the privacy policies or practices of linked or any third party web sites. KiaKia^TM information systems is provided to users and used by KiaKia^TM “as is” without warranty of any kind, either expresses or implied, including but not limited to the implied warranties of merchantability and/or fitness for a particular purpose. KiaKia^TM cannot be held liable for any mistakes that arise from use of the information systems that govern the administration of products including but not limited to the unintentional disclosure of personal information.

TRANSFER ACROSS BORDERS.
KiaKia^TM may transmit or transfer Personal Information outside the resident jurisdiction of the Visitor and therefore across borders. Personal Information may be processed by KiaKia^TM in the country where it was collected as well as other countries where laws regarding processing of Personal Information may be less stringent.

Disclosure

MARKETING PURPOSE.
KiaKia^TM may disclose aggregate statistics (information about the customer population in general terms) about the Data to advertisers or business partners.

THIRD-PARTY SUPPLIERS OR AGENTS.
KiaKia^TM may need to provide Data to a third-party supplier to supply or provide specific Services to a Visitor (such as providing a quote or contacting a Visitor). Each third party supplier is required to only disclose or use the Data to supply or provide the specific Services requested.

LAW ENFORCEMENT.
KiaKia^TM may disclose Data if required:

by a subpoena or other legislative or administrative order by law;
to protect the safety of any individual or the general public;
to prevent violation of the Agreement, or the rights of KiaKia^TM or any third party.

An IP address may be disclosed to a third party:

if the law or a legal process requires it;
to protect the rights or property of KiaKia^TM, a Visitor, or the general public.

AFFILIATES.
KiaKia^TM may share Data with an Affiliate, in which case KiaKia^TM will seek to require the Affiliates to abide by this Privacy Policy.

CHANGE OF OWNERSHIP.
If KiaKia^TM undergoes a change in ownership, or a merger with, acquisition by, or sale of assets to, another entity, KiaKia^TM may assign its rights to the Data it processes to a successor, purchaser, or separate entity. KiaKia^TM will notify each Visitor of the transfer and the Visitor may choose to modify its Personal Data at that time. If a Visitor is concerned about its Data migrating to a new owner, the User may deactivate or delete its account.

EMPLOYEES.
KiaKia^TM may need to disclose Data to its employees that require the Data to do their jobs.

ABUSE.
KiaKia^TM may disclose Data to designated third parties to resolve or investigate abuse complaints. KiaKia^TM may release Data to assist in attempting to block an abusive Visitor or complain to its Internet Service Provider of an abusive Visitor.

SECURITY OF DATA.
KiaKia^TM uses some of the most advanced security measures to protect the Data under its control. All Data is safe, secure, and available only to the Visitor and those to whom Visitor has granted permissions. In addition, the web site is hosted in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders.

ENQUIRIES.
If anyone has any questions or concerns arising from this Privacy Policy or the way in which KiaKia^TM handles Personal Information, please contact KiaKia^TM.