Effective Date: 23 October 2025
Company: LTR Limited (“LTR”, “we”, “our”, or “us”)
Website: https://app.ltr.ng
1. Introduction
Your privacy is important to us. This Privacy Policy explains how LTR Limited collects, uses, shares, and protects your personal information when you use our website, platform, or any related services.
By creating an account or using our services, you agree to this Privacy Policy and consent to the collection and use of your data as described below.
2. Who We Are
LTR Limited is a financial empowerment and partnership platform that helps users grow wealth through structured savings, access to verified financial products, and partnerships with regulated institutions.
LTR is not a bank or licensed financial institution. All financial services and products accessed through our platform are provided in collaboration with licensed and regulated third-party partners such as banks, insurance providers, and lending institutions.
3. Information We Collect
We collect information to provide safe, efficient, and personalized services. The data we collect includes:
a. Personal Information:
Full name
Email address
Phone number
Date of birth
Residential address
Gender
Identification details (e.g., NIN, driver’s license, international passport)
b. Financial Information:
Bank account details
Transaction history
Savings or payment preferences
c. Technical Information:
Device type, operating system, and browser information
IP address and location data
Log files and usage analytics
d. Other Information:
Communication records with LTR (emails, chats, or calls)
Feedback, surveys, or testimonials
4. How We Use Your Information
We use your information to:
Create and manage your LTR account.
Verify your identity and complete KYC requirements.
Facilitate transactions with our financial partners.
Send important updates, notifications, and promotional offers.
Improve our website and user experience.
Ensure compliance with applicable laws and regulatory standards.
Protect against fraud and unauthorized access.
5. How We Share Your Information
LTR respects your privacy and will never sell your information. However, we may share your data with:
Trusted Financial Partners:
To process savings, withdrawals, loans, or health plan transactions securely.
Regulatory Authorities:
When required by law or to comply with legitimate investigations.
Technical Service Providers:
For secure hosting, payment processing, analytics, and customer support.
Affiliates or Successors:
In the event of a merger, acquisition, or restructuring of the company.
All partners and third parties are required to comply with strict data protection and confidentiality agreements.
6. Data Security
We implement bank-grade security measures to protect your personal and financial data, including:
SSL encryption on all transactions.
Secure server infrastructure and firewalls.
Access control and staff confidentiality agreements.
Regular monitoring to prevent unauthorized access or data breaches.
While we take every precaution, no system is completely secure. By using LTR, you acknowledge and accept the inherent risks of electronic communication and data storage.
7. Cookies and Tracking Technologies
We use cookies to:
Improve your browsing experience.
Save login sessions and preferences.
Collect analytics to improve performance and features.
You can modify your browser settings to refuse cookies, but some parts of the website may not function properly.
8. Data Retention
LTR retains user data for as long as necessary to:
Provide active services.
Comply with legal and regulatory obligations.
Resolve disputes or enforce agreements.
When your account is closed or inactive, we securely delete or anonymize your personal data in accordance with data protection standards.
9. Your Rights
You have the right to:
Access your personal data.
Request correction of inaccurate or incomplete information.
Request deletion of your data where legally permissible.
Withdraw consent to marketing communications at any time.
File a complaint with the Nigeria Data Protection Commission (NDPC) if you believe your rights have been violated.
To exercise these rights, contact us at grow@ltr.ng.
10. Third-Party Links
LTR may include links to third-party websites or services. We are not responsible for the privacy practices or content of those sites. Please review their privacy policies before sharing personal information.
11. Updates to This Policy
LTR may update this Privacy Policy periodically. Any changes will be posted on this page with an updated “Effective Date.” Continued use of our platform after changes are made constitutes your acceptance of the revised policy.
12. Contact Us
For questions, requests, or concerns regarding this Privacy Policy, please contact:
📧 grow@ltr.ng
🌍 https://app.ltr.ng