Terms and Conditionsy

Prime Avis Investment Services Limited ("Prime Avis," "we," "our," or "us") is committed to protecting the privacy and security of your personal information, regardless of the channel through which it is collected. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data when you interact with us through email, Instagram, Facebook, USSD, our website, products, and services. By accessing any of our channels and using our services, you consent to the practices described in this Privacy Policy.

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Information We Collect

We collect various types of information to provide our digital lending, Buy Now, Pay Later (BNPL), Merchant Acquisition, and Agent Acquisition services across all channels. These types of information include:

1. Personal Information: We may collect personal information, including but not limited to your name, contact details, date of birth, Bank Verification Number (BVN), National Identification Number (NIN), and other identification information when you interact with us. This information helps us identify and authenticate you as a user, regardless of the channel.
2. Financial Information: To evaluate your eligibility for our loan and BNPL services, we may collect financial information, including bank account details, credit history, and transaction data, through any of our channels. This information is essential for assessing your financial capability and ensuring responsible lending practices.
3. Website Usage Information: When you visit our website or engage with us on social media channels (such as Instagram or Facebook), we may automatically collect information about your interactions with our platform. This may include your IP address, browser type, device information, and the pages you visit. We use this information to enhance your user experience and to optimize our website's performance.
4. USSD and Email Interactions: If you engage with us through USSD or email, we may collect relevant information to process your requests and provide customer support.
5. Merchant and Agent Information: If you are a merchant or agent partnering with us, we may collect business-related information such as your business name, tax identification number, financial transactions, and performance data through any of our channels. This data is crucial for managing our partnerships effectively.

How We Use Your Information

We use the information we collect for various purposes across all channels, including, but not limited to:

1. Providing Financial Services: We process loan applications, offer BNPL services, and facilitate financial transactions through various channels. Your personal and financial information is used to assess eligibility, underwrite loans, and manage repayment.
2. Improving Our Services: We analyze information collected from all channels to enhance and optimize our website, products, and services based on user preferences and feedback. This includes improving our user interface, introducing new features, and addressing technical issues.
3. Compliance and Security: We take data privacy and security seriously across all channels. Your information is used to comply with legal requirements, detect and prevent fraud, and protect the security of our users and our platform. This includes monitoring and auditing transactions for unusual activiy
4. Communication: We may communicate with you through email, social media channels (such as Instagram or Facebook), USSD, or other channels about your account, provide updates to our services, and offer promotional information related to our financial products and services. You have the option to opt-out of marketing communications.

Sharing Your Information

We may share your personal information with third parties across all channels under the following circumstances:

1. Service Providers: We may share your information with trusted third-party service providers who assist us in providing our services through various channels. These include payment processors, credit bureaus, customer support providers, and data analytics firms. We ensure that these third parties adhere to strict data protection and security standards.
2. Business Partners: If you are a merchant or agent partnering with us, we may share your information with our business partners for purposes related to your partnership with Prime Avis across all channels. This may include sharing performance data and transaction information.
3. Legal Obligations: We may disclose your information to comply with legal requirements, respond to subpoenas, court orders, or other legal processes.

Your Choices

You have certain rights and choices regarding your personal information across all channels:

1. Access and Correction: You have the right to request access to and correction of your personal information in our possession. We will make reasonable efforts to ensure the accuracy of your data.
2. Opt-out: You can opt-out of receiving marketing communications from us across all channels at any time. We respect your preferences regarding promotional material.
3. Data Deletion: You can request the deletion of your account and associated personal data across all channels, subject to legal obligations. Upon account deletion, we will securely dispose of your information, as permitted by law.


We employ robust security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction across all channels. Our security practices include encryption, access controls, regular security audits, and employee training. However, it's important to note that no data transmission over the internet or storage method is entirely secure, and we cannot guarantee absolute security.

Changes to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices and services across all channels. We will notify you of any significant changes through our website, social media channels, email, USSD, or other means.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices across all channels, please contact us at:

Prime Avis Investment Services Limited Address:

  • Address: 7 Bayo Adesina Street, Magodo Phase 1, Isheri, Lagos, Nigeria Email:
  • Email :Info@prime-pay.africa
  • Phone: 08185463333
  • Conclusion

    By using any of our channels and services, you acknowledge that you have read and understood this Privacy Policy. Your continued use of our services across all channels constitutes your acceptance of this Privacy Policy and any updates made to it. We appreciate your trust in Prime Avis, and we are dedicated to safeguarding your privacy and providing a secure and transparent digital lending experience across all channels in Nigeria.

    Terms of Use

    Acceptance of Terms

    By accessing or using Prime Avis Investment Services Limited's website, products, and services (referred to as "Prime Avis," "we," "our," or "us"), you agree to comply with and be bound by the following Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our website or services.

    Use of Services

    1. Eligibility: You must be at least [insert age] years old and capable of entering into legally binding agreements to use our services. If you are using our services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.
    2. Account: To access certain features and services, you may need to create an account with Prime Avis. You are responsible for maintaining the security of your account credentials and for all activities that occur under your account.
    3. Prohibited Activities: You agree not to engage in any of the following activities:
  • Violating any applicable laws or regulations.
  • Attempting to interfere with the proper functioning of our services.
  • Accessing or using our services in any way that could harm, damage, or impair our systems or other users.
  • ·Using our services for any unlawful, fraudulent, or malicious purposes.
  • 4. User Content: Any content you submit, post, or transmit through our services, including comments, reviews, or other interactions, must comply with our content guidelines. We reserve the right to remove or modify user content that violates these guidelines.

    Privacy and Data Protection

    Please refer to our Privacy Policy for information about how we collect, use, and protect your personal information.

    Intellectual Property

    1. Ownership: All content, trademarks, logos, and intellectual property displayed on our website or provided through our services are the property of Prime Avis or its licensors and are protected by copyright and other intellectual property laws.
    2. Use of Content: You may access and use our content for personal, non-commercial purposes. Any other use, including reproduction, modification, distribution, or public display, is prohibited without our prior written consent.


    We reserve the right to terminate or suspend your access to our services at our sole discretion, without notice, for any reason, including but not limited to violation of these Terms.
    1. No Warranty: We provide our services "as is" and "as available" without any warranties or guarantees. We do not warrant that our services will be error-free, secure, or continuously available.
    2. Limitation of Liability: Prime Avis shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use or inability to use our services.

    Governing Law

    These Terms are governed by and construed in accordance with the laws of Nigeria. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts in Nigeria.

    Changes to Terms

    We reserve the right to update and modify these Terms at any time. Any changes will be posted on our website, and it is your responsibility to review these Terms periodically. Your continued use of our services after the posting of changes constitutes your acceptance of those changes.

    Contact Us

  • Address: 7 Bayo Adesina Street, Magodo Phase 1, Isheri, Lagos, Nigeria Email:
  • Email :Info@prime-pay.africa
  • Phone: 08185463333
  • Conclusion

    By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms of Use. Your compliance with these Terms is essential for a positive and secure experience with Prime Avis Investment Services Limited.

    Cookie Policy

    This Cookie Policy explains how Prime Avis Investment Services Limited ("Prime Avis," "we," "our," or "us") uses cookies and similar technologies on our website. By using our website, you consent to the use of cookies as described in this policy.

    What Are Cookies?

    Cookies are small text files that are stored on your computer or mobile device when you visit a website. They are widely used to enhance your browsing experience by remembering your preferences, analyzing website performance, and providing personalized content.

    Types of Cookies We Use

    1. Essential Cookies: These cookies are necessary for the proper functioning of our website and cannot be disabled. They enable you to navigate the site and use its essential features, such as accessing secure areas and making transactions.
    2. Analytical/Performance Cookies: These cookies help us understand how visitors interact with our website by collecting information about page views, the number of visitors, and user behavior. We use this data to improve our website's performance and user experience.
    3. Functional Cookies: These cookies allow our website to remember your choices and preferences, such as language settings and user-specific features. They enhance your experience by providing personalized content.
    4. Targeting/Advertising Cookies: We may use these cookies to display targeted advertisements based on your browsing habits and interests. These cookies may also be used by third-party advertisers to track the effectiveness of their ads.

    How to Manage Cookies

    You can control and manage cookies through your browser settings.

    Most browsers allow you to accept, reject, or delete cookies. Please note that if you choose to disable cookies, certain features of our website may not function correctly. For specific instructions on how to manage cookies in your browser, please refer to your browser's documentation.

    Third-Party Cookies

    Some cookies used on our website may be placed by third-party service providers, such as analytics providers and advertisers. These third parties may collect information about your online activities over time and across different websites.

    We do not control these third-party cookies, and their use is subject to the privacy policies and cookie policies of the respective third parties. We recommend reviewing these policies for more information on how your data is processed.

    Changes to this Cookie Policy

    We may update this Cookie Policy to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on our website with an updated "Effective Date."

    Contact Us

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

    Prime Avis Investment Services Limited

  • Address: 7 Bayo Adesina Street, Magodo Phase 1, Isheri, Lagos, Nigeria Email:
  • Email :Info@prime-pay.africa
  • Phone: 08185463333
  • Conclusion

    By using our website, you acknowledge that you have read and understood this Cookie Policy. Your continued use of our website constitutes your acceptance of the use of cookies as described herein. We value your privacy and are committed to providing you with a transparent and enjoyable online experience.