Account & Data Deletion Request

At Lendswap (operated by Wiam Nigeria Limited), we value your privacy and give you full control over your personal information. If you wish to close your account and delete your associated personal data, please follow the instructions below.

1. Important Prerequisites Before Requesting Deletion

To ensure smooth processing of your request and compliance with local financial regulations, please note:

• No Outstanding Obligations: Your account must not have any active loans, accrued interest, pending fees, or active transactions. Accounts with outstanding debts cannot be deleted until all financial obligations are fully settled.
• Identity Verification: Deletion requests must originate from the email address or phone number linked to your registered account to prevent unauthorized requests.

2. How to Request Account Deletion

You can initiate the account deletion process by contacting our customer support team:

1. Send an email to: support@lendswap.com
2. Subject line: Account Deletion Request - [Your Registered Phone Number]
3. In the body of your email, please provide:
   • Full Name (as registered on your Lendswap account)
   • Registered Phone Number
   • Bank Verification Number (BVN) / National Identification Number (NIN) - Last 4 digits only (for identity verification)
   • Optional: Reason for leaving (helps us improve our service)

3. What Happens Next?

• Step 1: Verification & Audit (1-3 Business Days) Our team will confirm your identity and verify that there are no active loans or pending financial obligations tied to your profile.
• Step 2: Account Deactivation Once verified, your account will be permanently deactivated. You will no longer be able to log in, apply for loans, or access past account history.
• Step 3: Confirmation You will receive a final confirmation email once the process is complete.

4. Data Retention & Legal Compliance Notice

In compliance with Apple App Store & Google Play Developer Policies, as well as Nigerian financial and data protection laws (including the Central Bank of Nigeria (CBN) regulations and the Nigeria Data Protection Act (NDPA)):

What is Deleted:

• Login credentials and access tokens
• Personal profile details and marketing preferences
• App usage preferences and notification logs

What We Are Legally Required to Retain:

As a financial service provider in Nigeria, Wiam Nigeria Limited (Lendswap) is legally mandated to securely retain basic transaction records, identity verification data, and loan history for a mandatory statutory period (typically 5 to 7 years). This is required for:

• Anti-Money Laundering (AML) & Counter-Financing of Terrorism (CFT) compliance
• Regulatory audits and financial record-keeping
• Fraud prevention and legal dispute resolution

Note: All retained data is safely archived in encrypted storage and will never be used for commercial or marketing purposes.

Contact & Legal Information

If you have any questions regarding your data privacy or need help with your account deletion request, please contact us:

• Company: Wiam Nigeria Limited (Lendswap)
• Support Email: support@lendswap.com
• Phone: +234 806 046 1429 (080 6046 14 29)
• Address: 16, Idowu Martins, Victoria Island, Lagos, Nigeria
• Office Hours: Monday to Friday, 9:00 a.m. - 6:00 p.m.