1. Privacy Policy Statement
“Keltox is committed to protecting the privacy and security of your personal information. We collect, use, and process your data in strict compliance with the Nigeria Data Protection Regulation (NDPR) and other applicable laws. We only collect data that is necessary to provide our services, verify your identity, assess creditworthiness, and prevent fraud. We do not sell your personal data to third parties. Our full Privacy Policy details the types of data we collect, how we use it, who we share it with, and your rights as a data subject.”
2. Ethical Financing & Responsible Lending Policy Statement
“Our mission is to provide a fair and transparent alternative to traditional credit. Keltox operates on a principle of responsible lending. We do not charge compounding interest. Instead, we use a clear, fixed-fee (cost-plus-profit) model where the total repayment amount is disclosed upfront and never changes. We conduct thorough but automated affordability checks to ensure financing is granted responsibly, and our payroll-linked model is designed to prevent users from becoming over-indebted. We are committed to ethical practices and transparent communication in all our dealings.”
3. Data Security Policy Statement
“We treat data security as a top priority. Keltox employs bank-grade security measures to protect our platform and your information from unauthorized access, alteration, or destruction. This includes end-to-end data encryption for information in transit and at rest, secure cloud infrastructure, regular security audits, and strict internal access controls. Our team is trained on best-in-class security protocols to ensure the integrity and confidentiality of the data entrusted to us.”
4. Anti-Money Laundering (AML) & Counter-Financing of Terrorism (CFT) Policy Statement
“Keltox maintains a robust Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) compliance program in line with Nigerian laws and international best practices. We conduct mandatory Know-Your-Customer (KYC) and identity verification for all users and partners. Our platform includes transaction monitoring systems designed to detect and report suspicious activities to the relevant regulatory authorities. We are committed to preventing our platform from being used for illicit purposes.”
5. Dispute Resolution & Customer Protection Policy Statement
“We are dedicated to providing a fair and efficient process for resolving any disputes. This policy covers issues related to transactions, repayments, data privacy, and the quality of goods or services financed through our platform. We have a clear, structured process for submitting complaints and a dedicated support team to investigate and provide timely resolutions. Our goal is to protect our customers’ rights and maintain the trust of all participants in our ecosystem.”