Cookie Policy
1. What Are Cookies?
Cookies are small text files that are placed on your device (computer, tablet, or smartphone) when you visit a website. They are widely used to make websites work efficiently, remember your preferences, and provide information to the site owners.
When you visit litefi.ng, we or our trusted partners may place cookies on your device. These cookies help us deliver a smoother, safer, and more personalised experience as you explore our loan products, investment options, and financial tools.
Cookies do not give us access to your device or any information about you other than the data you choose to share with us. You remain in control of your cookie preferences at all times — see Section 6 for how to manage them.
2. How LiteFi Uses Cookies
LiteFi Limited uses cookies to provide, maintain, and improve our website and financial services. Specifically, we use cookies for the following purposes:
- Security & Fraud Prevention: To protect your account and our platform from unauthorised access, bot traffic, and fraudulent activity. For example, our hCaptcha integration uses cookies to verify that form submissions come from real users.
- Session Management: To keep you logged in securely as you navigate between pages, apply for a loan, or review your investment portfolio.
- User Preferences: To remember choices you make — such as your preferred language, region, or display settings — so you don't have to re-enter them on every visit.
- Performance & Analytics: To understand how visitors interact with litefi.ng — which pages are most popular, where users drop off, and how our tools (like the loan calculator) are used — so we can continuously improve.
- Live Chat Support: Our customer support chat (powered by Tawk.to) uses cookies to maintain your chat session and enable our support agents to assist you without you having to start over.
- Newsletter & Marketing: With your consent, we use cookies to track engagement with our newsletter sign-up and targeted financial content so we can send you relevant updates about loans, investments, and LiteFi promotions.
- Website Functionality: To ensure all interactive features — including the investment return calculator, loan application forms, and mobile navigation — work correctly across different browsers and devices.
3. Types of Cookies We Use
The cookies on litefi.ng fall into the following categories:
Strictly Necessary Cookies
These cookies are essential for litefi.ng to function. They enable core features such as page navigation, secure form submissions, and protection against cross-site request forgery (CSRF) attacks. The website cannot function properly without these cookies.
Examples: Session tokens, CSRF protection tokens, hCaptcha verification cookies
Duration: Session (deleted when browser is closed)
Can be disabled: No — these are required for the site to work
Functionality Cookies
These cookies allow litefi.ng to remember choices you have made in the past, like your cookie consent preference, your live chat session with our support team, or calculator inputs, so you have a richer, more personalised experience.
Examples: Cookie consent status, Tawk.to chat session cookies
Duration: Up to 1 year
Can be disabled: Yes — but some features may not work as expected
Performance & Analytics Cookies
These cookies help us understand how visitors use litefi.ng — for example, which pages they visit most, how long they spend on the loan calculator, and which investment features attract the most interest. This data is collected in aggregate and helps us improve the site experience for all users.
Examples: Google Analytics, page view counters, scroll-depth trackers
Duration: Up to 2 years
Can be disabled: Yes — disabling these does not affect site functionality
Marketing & Targeting Cookies
With your explicit consent, these cookies track your browsing activity across our site to help us show you relevant financial products — such as the loan type that best fits your profile — and measure the effectiveness of our campaigns. We do not sell your data to third parties.
Examples: Newsletter tracking, social media pixel cookies (Facebook, LinkedIn)
Duration: Up to 1 year
Can be disabled: Yes — you will still see content on the site, just not personalised to you
4. Third-Party Cookies
Some cookies on litefi.ng are set by trusted third-party services that we use to deliver a better experience. These third parties have their own privacy and cookie policies, which we encourage you to review:
| Service | Purpose | Privacy Policy |
|---|---|---|
| hCaptcha | Bot prevention & form security (newsletter sign-up) | hcaptcha.com/privacy |
| Tawk.to | Live customer support chat | tawk.to/privacy-policy |
| Google Analytics | Website performance & visitor analytics | policies.google.com/privacy |
| Google Fonts | Typography rendering (Outfit font) | policies.google.com/privacy |
We regularly review our third-party partners to ensure they maintain appropriate data protection standards consistent with the Nigeria Data Protection Act (NDPA) 2023.
5. Cookies and Your Financial Data
LiteFi Limited treats all data — including data collected via cookies — with the highest level of care. In the context of our financial services:
- Cookies do not store your BVN, bank account numbers, salary details, or any sensitive financial information.
- Session cookies used during loan application or investment onboarding are encrypted and automatically deleted when you close your browser.
- We comply with the Nigeria Data Protection Act (NDPA) 2023 and the guidance issued by the Nigeria Data Protection Commission (NDPC) regarding the use of tracking technologies.
- We do not use cookies to make automated lending decisions. Our credit assessment process involves human review and documented criteria.
6. Managing Your Cookie Preferences
You have full control over cookies. There are several ways to manage your cookie preferences:
6.1 LiteFi Cookie Consent Banner
When you first visit litefi.ng, a cookie consent banner will appear at the bottom of your screen. You can choose to Accept All cookies or Decline non-essential cookies. Only strictly necessary cookies will be placed before you make a choice. You can change your mind at any time by revisiting the banner or contacting us.
6.2 Browser Settings
Most browsers allow you to control cookies through their settings. Here is how to access cookie settings in the most common browsers:
- Google Chrome:Settings → Privacy & Security → Cookies and other site data
- Mozilla Firefox:Settings → Privacy & Security → Cookies and Site Data
- Safari: Preferences → Privacy → Manage Website Data
- Microsoft Edge: Settings → Privacy, search and services → Cookies
Please note that restricting or deleting cookies may affect how litefi.ng works — for example, you may need to log in again or re-enter form information.
6.3 Opt-Out of Analytics
You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on. This prevents your data from being used for analytics without affecting your experience on litefi.ng.
7. Cookie Retention Periods
Cookies are retained for different lengths of time depending on their purpose:
- Session cookies are temporary and are deleted automatically when you close your browser.
- Persistent cookies remain on your device for a set period — typically between 30 days and 2 years — unless you delete them manually or they expire.
- Your cookie consent preference is stored for 12 months, after which you will be asked to confirm your preference again.
We comply with the NDPA 2023 storage limitation principle, ensuring that cookies are not retained longer than necessary for their stated purpose.
8. Changes to This Cookie Policy
We may update this Cookie Policy from time to time as our services evolve or regulatory requirements change. When we make material changes, we will:
- Update the effective date at the top of this page
- Display a renewed cookie consent banner on your next visit to litefi.ng
- Notify registered users via email where the changes are significant
We encourage you to review this policy periodically to stay informed about how we use cookies.
9. Contact Us
If you have any questions about how LiteFi uses cookies, or if you wish to exercise your rights under the Nigeria Data Protection Act 2023, please contact us:
📧 Email: dpo@litefi.ng
📧 Support: support@litefi.ng
📍 Address: 41 Faramobi Ajike Street, Maryland, Anthony, Lagos, Nigeria
📞 Phone: +234 810 837 6447
🕐 Business Hours: Monday – Friday, 8:00 AM – 5:00 PM (WAT)
Effective Date: January 1, 2025
Last Updated: January 1, 2025