Effective Date: April 15, 2026
Lendjet is a digital financial services application operated by LUMINARY ASSIST LTD.
We value your personal data and are committed to handling it lawfully, fairly, and transparently. This Privacy Policy explains how Lendjet collects, uses, stores, shares, and protects your information when you access or use our services. Our data handling practices are designed to align with applicable Nigerian data protection and consumer protection requirements. By using Lendjet, you acknowledge this Privacy Policy. If you do not agree with it, please discontinue use of the application.
We may collect:
Purpose of use: To verify your identity and account information, evaluate your eligibility for our services, conduct fraud prevention and risk control checks, support responsible credit assessment and lending decisions, facilitate loan disbursement, manage repayment processing, comply with applicable legal and regulatory obligations, improve service security and operational reliability, and provide customer support where necessary.
We may collect limited technical information such as:
Purpose of use: To maintain system and account security by monitoring the operating and risk environment, detecting and preventing fraud, abuse, and unauthorized activities, diagnosing and resolving technical issues, ensuring service stability and reliability, and improving overall product performance and user experience.
We may use limited non-precise location indicators, such as IP address and mobile network information, where permitted by applicable law. We do not rely on precise GPS location for this purpose unless separately disclosed and authorized where required.
Purpose of use: To help detect and prevent fraud or suspicious activities, conduct jurisdiction and service eligibility checks, support security reviews and risk monitoring, ensure appropriate service availability based on regional requirements, and maintain the safety, reliability, and integrity of our services.
If voluntarily provided by the user, we may store the name and phone number of a trusted contact designated by the user.
Purpose of use: This information is used only for limited account support, identity confirmation, or account recovery purposes where direct communication with the user is not reasonably possible. We do not use this contact information for general marketing purposes. We will not disclose loan details, repayment information, or other sensitive personal data to the trusted contact except where such disclosure is permitted or required by applicable law.
To ensure your account security and efficiently complete the loan service assessment, we will, upon your explicit authorization, access finance-related data contained within your device's SMS messages.
Purpose of Permission
Auto-Verification: Identify dynamic verification codes sent by our platform to improve SMS delivery success rates and optimize user experience.
Risk Assessment: Analyze financial transaction records to assist in evaluating repayment capacity and credit standing.
Data Scope
Only SMS messages containing the following keywords will be collected:
WALLET / FUND / KASH / EQUITY / RATIONING / CASH / DEBT / REDI / NAIRA / LAIRA / MONEY / MONI / DUE / FINANCE / PAY / AMORTIZING / LOAN / LEND
All other non-financial content (such as personal communications or social media verification codes) will be automatically filtered and never read.
Security Assurance
Financial SMS data is encrypted during transmission and storage. It is used solely for internal risk control purposes and will not be shared or sold to any third party.
We may access your camera for identity verification purposes, including facial recognition and ID card capture, where permitted by applicable law. We do not retain or upload the captured data unless otherwise disclosed and authorized where required.
Purpose of use:
We may send service-related notifications to your device, including repayment reminders, loan approval results, and disbursement alerts, where permitted by applicable law. We do not upload the content of your notifications or use this channel for unrelated marketing unless separately disclosed and authorized where required.
Purpose of use:
We use collected information for legitimate service-related purposes, including:
If required by law or policy, consent-based marketing or personalized offers will be presented on an opt-in basis, and users may opt out at any time.
Lendjet does not share or sell personal data for non-necessary and lawful purposes, including with:
We use appropriate administrative, technical, and organizational safeguards to protect personal data, including:
Personal data is retained only for as long as reasonably necessary for service delivery, fraud prevention, dispute management, audit, accounting, tax, security, and compliance with applicable legal or regulatory obligations. When data is no longer required for these purposes, it will be deleted or anonymized in accordance with applicable procedures.
Users may request account deletion through the following methods:
Visit https://www.luminaryltd.space, select "Remove Account", and follow the instructions.
Send a deletion request from your registered email address to luminaryass@outlook.com, including your registered phone number or username for verification.
After a verified deletion request:
Subject to applicable law, users may request to:
Requests will be handled in accordance with applicable law and reasonable verification procedures.
Lendjet is intended only for adults. Individuals who do not meet the minimum eligibility age (20 and above) for our services must not use the application.
We may update this Privacy Policy from time to time. Material updates may be communicated through in-app notices, website publication, or registered contact details. Continued use of the service after an update takes effect constitutes acceptance of the revised policy.
Company
LUMINARY ASSIST LTD
Address
NO. 3, BALOGUN OYERO, IKOSI KETU, LAGOS STATE
luminaryass@outlook.com
Phone
+234 7010697291
Service Hours
Monday through Friday, 9:00 AM to 6:00 PM
This Privacy Policy shall be governed by applicable Nigerian laws. Any dispute arising from this Policy will first be addressed through good-faith discussions. Where unresolved, the matter may be referred to a court or authority of competent jurisdiction.