Maria Oyinlola Limited ("MOL," "we," "us," or "our") is committed to protecting the privacy and personal data of all individuals who interact with our website and financial services. As a CBN-regulated financial institution, we are subject to enhanced data protection obligations relevant to financial services providers.
1. Who We Are
Maria Oyinlola Limited is a financial services company regulated by the Central Bank of Nigeria, registered with the Corporate Affairs Commission (CAC: RC-7466513), with its registered office at 4, Aderoju Adewuyi Street, Off Alfred Olaiya Street, Awuse Estate, Opebi, Ikeja, Lagos State, Nigeria. We are a member of OA Group Nigeria.
2. Information We Collect
Information you provide directly
- Identity information: name, date of birth, government-issued ID numbers (National ID, BVN, passport)
- Contact information: email address, telephone number, address
- Financial information: income, employment status, account details, credit history (collected for credit assessment purposes)
- Enquiry and application data: submitted through website forms and in-person
Information collected automatically
- Browser and device information
- IP address and approximate geographic location
- Website usage patterns (with consent)
3. How We Use Your Information
- Credit assessment: To evaluate loan applications and determine credit eligibility
- Product delivery: To deliver financial services under formal agreements
- Regulatory compliance: AML/KYC obligations require identity verification for all clients
- Fraud prevention: To detect and prevent fraudulent activity
- Communication: Service-related communications and, where consented, marketing
- Legal obligation: Compliance with CBN, NDIC, and other regulatory requirements
4. Legal Basis for Processing
- Contract performance: Credit assessment, product delivery, and account management
- Legal obligation: AML/KYC compliance, regulatory reporting, CBN requirements
- Legitimate interests: Fraud prevention, website improvement, credit risk management
- Consent: Marketing communications and non-essential analytics cookies
5. Financial Data — Special Category
Financial information collected for credit assessment purposes is processed with enhanced security controls, accessible only to authorised personnel, retained only for the period required by CBN regulations, and not shared with third parties except as required by law or with your explicit consent.
6. Data Sharing
MOL does not sell personal or financial data. We may share data with credit bureaux (for credit assessment), CBN and other regulatory bodies (as required by law), service providers under strict data processing agreements, and other OA Group members where you have specifically requested group services.
7. Data Retention
- Client account records: minimum 7 years from relationship end (CBN requirement)
- AML/KYC records: minimum 5 years from transaction date
- Unsuccessful credit applications: 12 months
- Website enquiries: 12 months unless an application commences
8. Your Rights
Under NDPR and NDPA, you have the right to access, correct, erase, and object to processing of your personal data — subject to our legal and regulatory obligations. To exercise these rights: info@mol.oagroupng.com
9. Cookies
We use essential cookies (required for website function) and analytics cookies (with consent). Manage preferences through the consent banner on first visit.
10. Security
As a regulated financial institution, we implement enhanced security controls — HTTPS across all web services, encryption of financial data at rest and in transit, access controls and staff training on data handling, and regular security assessments.
11. Contact
Maria Oyinlola Limited — Data Protection
4, Aderoju Adewuyi Street, Off Alfred Olaiya Street, Awuse Estate, Opebi, Ikeja, Lagos State, Nigeria
Email: info@mol.oagroupng.com
Phone: 0803 092 5999 · 0805 381 6665
Maria Oyinlola Limited · CAC: RC-7466513 · · A Member of OA Group Nigeria