Last updated: April 2026 | Effective: April 2026
EESCREDIT is operated by Life-at-Ease Port-Harcourt Multi-purpose Co-operative Society Limited, a registered cooperative society in Rivers State, Nigeria. We are committed to protecting your personal data and complying with the Nigeria Data Protection Act 2023 (NDPA) and the Nigeria Data Protection Regulation (NDPR).
Data Controller: Life-at-Ease Port-Harcourt Multi-purpose Co-operative Society Limited
Trading as: EESCREDIT
Address: 21 Emekuku Street, DLine, Port Harcourt, Rivers State, Nigeria
Email: support@eescredit.com
Platform: https://user.eescredit.com
We treat NIN and BVN as highly sensitive personal data. They are used solely for identity verification and regulatory compliance — never for marketing, profiling or sale.
Your National Identification Number is required under CBN and cooperative regulatory guidelines to verify your identity before you can access transfers, deposits, loan applications and withdrawals. NIN verification is processed through Prembly IdentityPass, a licensed identity verification provider in Nigeria.
Bank account details are collected to verify your identity at KYC Level 2 and to process approved withdrawals to your verified account. Account resolution is performed via Flutterwave's secure API.
| Provider | Purpose | Data Shared |
|---|---|---|
| Prembly IdentityPass | NIN verification | NIN, name, date of birth |
| Flutterwave | Bank account resolution | Bank account number, bank code |
| Purpose | Legal Basis |
|---|---|
| Create and manage your cooperative account | Contract performance |
| Verify your identity (KYC) | Legal obligation / Contract |
| Process savings, loans, transfers and withdrawals | Contract performance |
| Send SMS and email transaction alerts | Contract performance |
| Manage Esusu/Cooperative Rotation group contributions | Contract performance |
| Detect fraud and prevent unauthorised access | Legitimate interest |
| Comply with regulatory requirements | Legal obligation |
| Respond to your support enquiries | Legitimate interest |
| Send service announcements and policy updates | Legitimate interest |
We do not use your data for third-party advertising, data brokering or automated profiling that produces legal effects without human review.
We share your data only where necessary:
We do not sell, rent or trade your personal data to any third party for their own marketing purposes.
We implement the following security measures to protect your data:
Despite these measures, no system is 100% secure. If you suspect unauthorised access to your account, contact us immediately at support@eescredit.com.
Under the Nigeria Data Protection Act 2023, you have the right to:
To exercise any of these rights, email support@eescredit.com with the subject line "Data Rights Request". We will respond within 30 days.
Our public website (eescredit.com) uses only essential cookies required for the contact form and session management. We do not use advertising or tracking cookies. See our Cookie Policy for full details.
The member portal (user.eescredit.com) uses session cookies necessary for authentication and security. These are strictly necessary and cannot be disabled without breaking platform functionality.
EESCREDIT services are not directed at persons under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has registered an account, please contact us immediately and we will delete the account and associated data.
We may update this Privacy Policy from time to time. When we make significant changes, we will notify active members via email and post a notice on the platform. The "Last updated" date at the top of this page will always reflect the most recent revision. Continued use of EESCREDIT services after changes constitutes acceptance of the updated policy.
For privacy-related questions, data requests or complaints:
If you are not satisfied with our response, you may lodge a complaint with the Nigeria Data Protection Commission (NDPC) at ndpc.gov.ng.