Cookie Policy - Smartloans.ng

Last updated: 22 May 2026

1. Introduction

This Cookie Policy explains how SmartLoans.ng, operated by SmartLoans Integrated Service Limited (“we”, “us”, or “our”), uses cookies and similar tracking technologies when you visit our website at www.smartloans.ng (the “Site”). It also explains your choices regarding cookies.

By using our Site, you agree to the use of cookies as described in this policy. If you do not accept the use of cookies, please disable them as described below or refrain from using our Site.

2. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work more efficiently, to provide a better user experience, and to give website owners information about how their site is being used.

Cookies may be set by the website you are visiting (“first-party cookies”) or by third-party services operating on that website (“third-party cookies”). They can be:

Session cookies — deleted when you close your browser
Persistent cookies — remain on your device for a set period or until manually deleted

3. Types of Cookies We Use

3.1 Necessary Cookies

These cookies are essential for the website to function correctly. They enable core features such as security, account access, and page navigation. Without these cookies, SmartLoans.ng cannot operate properly.

Examples: login session tokens, CSRF protection, fraud prevention.

Legal basis: Legitimate interest (site functionality). These cookies cannot be disabled.

3.2 Analytics Cookies

These cookies help us understand how visitors interact with SmartLoans.ng by collecting anonymous information such as the number of visitors, traffic sources, and pages viewed. This helps us improve site performance and user experience.

Examples: Google Analytics (_ga, _gid), Hotjar.

Legal basis: Your consent.

3.3 Marketing & Advertising Cookies

These cookies are used to track visitors across websites in order to deliver relevant advertisements. They also help measure the effectiveness of our advertising campaigns on platforms such as Google and Meta (Facebook).

Examples: Meta Pixel (_fbp), Google Ads (IDE, _gcl_au).

Legal basis: Your consent.

3.4 Personalization Cookies

These cookies allow SmartLoans.ng to remember your preferences and show you loan products or offers that may be more relevant to you based on your browsing behavior.

Examples: User preference identifiers, previously viewed product IDs.

Legal basis: Your consent.

4. Third-Party Cookies

Some cookies on SmartLoans.ng are set by third-party service providers who help us operate our business. These third parties have their own privacy and cookie policies. We recommend you review those policies independently:

Google Analytics — https://policies.google.com/privacy
Meta (Facebook) Pixel — https://www.facebook.com/privacy/policy/
Google Ads — https://policies.google.com/technologies/ads
Hotjar — https://www.hotjar.com/legal/policies/privacy/

5. How to Manage and Control Cookies

You can control and manage cookies in several ways:

5.1 Cookie Consent Banner

When you first visit SmartLoans.ng, you will be shown a cookie consent banner. You can choose to accept all cookies, reject optional cookies, or manage your preferences individually. You can update your preferences at any time.

5.2 Browser Settings

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse cookies, delete existing cookies, or notify you when cookies are being set. Please note that disabling cookies may affect the functionality of SmartLoans.ng.

For guidance on managing cookies in your browser, visit:

Google Chrome — chrome://settings/cookies
Mozilla Firefox — about:preferences#privacy
Safari — Preferences > Privacy
Microsoft Edge — edge://settings/privacy

5.3 Opt-Out Links

You can opt out of specific third-party tracking cookies using the following tools:

Google Analytics Opt-Out: https://tools.google.com/dlpage/gaoptout
Meta Ad Preferences: https://www.facebook.com/ads/preferences

6. Data Retention

Cookies set by SmartLoans.ng are retained for varying periods depending on their type:

Session cookies: Deleted when you close your browser
Analytics cookies: Up to 24 months
Marketing cookies: Up to 90 days
Personalization cookies: Up to 12 months
Necessary cookies: Duration of your session or as required for security purposes

7. Your Rights Under Nigerian Law

SmartLoans.ng complies with the Nigeria Data Protection Act 2023 (NDPA) and the Nigeria Data Protection Regulation (NDPR). As a user based in Nigeria, you have the right to:

Access the personal data we hold about you
Request correction or deletion of your personal data
Withdraw your consent to non-essential cookies at any time
Lodge a complaint with the Nigeria Data Protection Commission (NDPC)

To exercise your rights, contact us at: privacy@smartloans.ng

8. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or applicable regulations. The “Last updated” date at the top of this page indicates when this policy was last revised. We encourage you to review this page periodically.

9. Contact Us

If you have any questions about our use of cookies or this Cookie Policy, please contact us:

Email: customerservice@lendsafe.ng
Website: https://smartloans.ng/contact-us
Address: No 7 New Hospital Road, Karu, Amac, FCT., Nigeria