Privacy Policy

1. Information We Collect

We collect the following categories of information:

1. a. Personal Information
   Full name, date of birth, contact address, phone number, email address, BVN, NIN, government-issued IDs, employment information, and next of kin details.
2. b. Financial Information
   Bank account details, income information, card details, transaction history, and credit information necessary to process and manage your travel loan.
3. c. Travel Information
   Travel preferences, booking details, destination, airline, itinerary, visa information, and passport details.
4. d. Technical & Device Information
   IP address, browser type, cookies, log data, and device identifiers.

2. Legal Basis for Processing

Under the Nigeria Data Protection Act 2023, we process your personal data based on:

• Consent: You have given clear consent for specific purposes.
• Contract Performance: Processing is necessary to fulfill our loan agreement with you.
• Legal Obligation: Required to comply with Nigerian laws and regulations.
• Legitimate Interests: Fraud prevention, service improvement, and business operations.

3. How We Use Your Information

We use the information we collect to:

• Process and manage travel loan applications.
• Verify your identity and perform credit assessments.
• Facilitate bookings with airlines and travel agencies.
• Communicate with you about your account, payments, and travel details.
• Improve our platform, products, and services.
• Comply with legal and regulatory obligations, including Central Bank of Nigeria (CBN) regulations, Nigeria Data Protection Commission (NDPC) requirements, Consumer protection regulations.

4. Information Sharing and Disclosure

We do not sell your personal data. However, we may share information as follows:

• a. With Travel Partners (Airlines, Travel Agencies):
  Airlines and travel agencies for processing your bookings.
• b. With Banking Partners:
  For credit assessment, loan disbursement, and repayment processing.
• c. With Service Providers: Third-party vendors who support our operations (e.g., IT support, payment processors, analytics tools).
• d. When Required by Law: To comply with court orders, law enforcement requests, or regulatory requirements.

5. Data Storage and Security

We store data securely using encryption, firewalls, and restricted access controls. We retain your data only as long as necessary to fulfill the purpose for which it was collected or as required by law. If a data breach occurs, we will notify you and the Nigeria Data Protection Commission (NDPC) as required under the NDPR.

Data Retention
We retain your personal information in accordance with Nigerian regulations:

• Active accounts: Throughout the duration of your relationship with us
• Loan records: Minimum of 6 years after loan closure (as required by CBN)
• Financial records: As required by FIRS and CBN regulations
• KYC documents: As required by AML/CFT regulations
• Marketing data: Until you withdraw consent

After the retention period, we securely delete or anonymize your data.

6. Your Rights

Under the NDPR, you have the right to:

• Request access to your personal data.
• Request correction or deletion of inaccurate or incomplete data.
• Request deletion of your personal data in certain circumstances. Note: We may retain data if required by law or for legitimate purposes (e.g., outstanding loan obligations).
• Object to processing based on legitimate interests, direct marketing (we will stop immediately) and automated decision-making.
• Withdraw consent for processing (where applicable).
• Request data portability.
• Lodge complaints with the Nigeria Data Protection Bureau (NDPB).

To exercise these rights, contact us via info@go-trip.com.ng or support@go-trip.com.ng.

We will respond within 30 days as required by NDPA.

7. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and preferences.
• Analyze usage and improve our services.
• Provide personalized content and improve user experience.
• Conduct advertising (with your consent).

Cookie Types:

• Essential cookies: Required for service functionality
• Analytics cookies: Help us understand usage patterns
• Marketing cookies: Used for advertising (with consent)

You can control cookies through your browser settings. Rejecting cookies may affect functionality.

8. Data Transfer

We primarily store and process data in Nigeria. If data is transferred outside Nigeria (e.g., for cloud hosting), we ensure appropriate data protection safeguards consistent with the NDPR.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from minors. If we discover we have collected data from a minor, we will delete it promptly.

10. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted on our website with a revised “Last Updated” date.

11. Contact Us

If you have any questions, complaints, or requests related to your privacy, please contact us at:

• 📧 info@go-trip.com.ng | support@go-trip.com.ng
• 📞 0816 056 8680
• 📍 Lagos, Nigeria

12. Regulatory Contact

Nigeria Data Protection Commission (NDPC)

• Address: 4 Blantyre Street, Wuse II, Abuja, Nigeria
• Email info@ndpc.gov.ng
• Website www.ndpc.gov.ng
• You may lodge a complaint with NDPC if you believe your rights have been violated.

IMPORTANT NOTICE: By using Gotrip's services, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree, please do not use our services.