- Overview
This Privacy Notice provides information on how Citizens Pensions Limited (“Citizens Pensions Limited” or “the Company”) collects and processes your personal data when you visit our website and other related platforms (www.citizenspensions.com). It sets out what we do with your personal data and how we keep it secure and explains the rights that you have in relation to your personal data.
- Who We Are
On 25 February 2025, Citizens Pensions Limited became a fully licensed Pension Fund Administrator (PFA) by the National Pension Commission (PenCom). We provide a comprehensive suite of services including Retirement Savings Accounts (RSA), Voluntary Contributions (VC), Personal Pension Plan (PPP), Pension-Backed Mortgage, Benefits Administration, Retirement Advisory Services and Foreign Currency Pension Contributions (FCPC). To ensure a seamless experience, we offer the Citizens Pensions Mobile App and a digital web version that allow you to track your Pension contributions and navigate your financial future with ease.
Vision Statement
To be the trusted partner for a secure and prosperous retirement, driving financial empowerment for all Nigerians.
Mission Statement
To provide retirement solutions that empower individuals and institutions to achieve their long-term financial goals, ensuring a comfortable and dignified retirement for all.
Brand Promise
Building Wealth. Navigating Tomorrow.
Core Values
Integrity | Customer-Centricity | Long-Term Perspective | Accountability | Security
- Nature of Personal Data We Collect and Process
The Company collects the following personal data and non-personal data directly from you when you register your personal details on our Site:
- contact details such as your full name, postal addresses, phone numbers, and email addresses.
- demographic information such as your date of birth and gender.
- online registration information, such as your password and other authentication information.
- payment details such as your credit card information and billing address; in certain cases, your marketing preferences. We automatically collect and store certain types of information regarding your use of our Site, including information about your searches, views, downloads, and purchases.
- Cookies
Cookies enable us to distinguish you from other users of our website, which helps us to provide you with an improved browsing experience. For more information about cookies and how we use them, please read our Cookie Policy.
- Use and Legal Basis for Processing Your Personal Data
We are committed to ensuring that your personal data is processed lawfully, fairly, and transparently in accordance with applicable data protection laws. The purposes for which we use your personal data, and the corresponding lawful bases, are outlined below:
Consent
Where you have provided your explicit consent, we may process your personal data for specific purposes such as:
- Sending you marketing communications, newsletters, or promotional materials.
- Using cookies or other tracking technologies for personalization and analytics.
You may withdraw your consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.
Performance of a Contract
We process your personal data where it is necessary to fulfill our contractual obligations to you or to take steps at your request before entering into a contract. This includes:
- Registering and onboarding you as a new user on our platform.
- Processing your requests and providing our products or services.
- Managing your relationship with us, including account administration and customer support.
Compliance with Legal and Regulatory Obligations
We may process your personal data where required to comply with applicable laws, regulations, or directives. This includes:
- Verifying your identity or carrying out due diligence where necessary.
- Meeting record-keeping, tax, and reporting obligations.
- Responding to lawful requests from public authorities or regulators.
Legitimate Interests
We may process your personal data where it is necessary for our legitimate business interests or those of a third party, provided that such interests are not overridden by your fundamental rights and freedoms. Examples include:
- Improving our website functionalities, products, and services.
- Preventing, detecting, and managing risks relating to fraud, misuse, or illegal activities.
- Enhancing user experience and service quality through feedback and analytics.
Protection of Vital Interests
We may process your personal data where necessary to protect your vital interests or those of another natural person. For example, in situations involving potential harm, safety incidents, or emergencies.
Public Interest
Where applicable, we may process personal data for the performance of a task carried out in the public interest or in the exercise of official authority vested in the Company.
- Sharing of Your Personal Data with Third Parties
We may need to share your personal data with third parties under the following circumstances:
- to provide our services to you, end-to-end.
- to analyze data, provide marketing assistance, process payments, transmit content, and provide customer service.
- to comply with applicable laws and regulations or to respond to valid legal processes, including law enforcement or other government agencies.
- to protect the rights of our customers, operate and maintain the security of our systems and networks to ensure the preservation of life and property, and prevent fraud and cyberattack.
- to protect the rights or property of the Company or others, including enforcing our agreements, terms, and policies.
- Transfer of Personal Data Abroad
The Company shall implement appropriate safeguards to ensure the security of personal data to be transferred to a foreign country in compliance with the provisions of the Nigeria Data Protection Act 2023 (“NDPA”) and the General Application and Implementation Directive, 2025 (“GAID”) or any other applicable data protection legislation. In particular, we shall, among other things, enter into Data Processing Agreements with the recipients of such personal data in the foreign country to ensure protection of your personal data.
Where personal data is to be transferred to a recipient in a foreign country deemed to have inadequate data protection laws, the Company will take all necessary steps to ensure that informed consent is obtained from you, and you are aware of the risks inherent, including ensuring that personal data is transmitted safely and securely.
- Data Security and Retention
We take the security of your personal data in our possession seriously. In line with our commitment to protecting your personal data in our possession, we have developed appropriate organizational, technical, and physical measures to protect the personal data you provide, or we collect against unauthorized access, loss, or theft, as well as against any risk of loss, disclosure, copying, misuse, or modification. Such measures include, but are not limited to, the use of secure servers, firewalls, multiple-factor authentication security, data anonymization and pseudonymization (as may be necessary), data encryption, and granting access on a need-to-know basis only to employees in order to perform their job responsibilities.
The Company will only retain your personal data under the following circumstances:
- as long as reasonably necessary for the purpose of providing our services to you; and
- for the period needed to comply with our legal and statutory obligations under applicable law.
- What are Your Rights in relation to our Collection and Processing of your Personal Data
Users of our Site are entitled to exercise the following rights in relation to their personal data collected and processed by Citizens Pensions Limited:
- right to withdraw consent in relation to the processing of their personal data.
- right to be informed regarding their personal data.
- right to request and access any personal data collected and stored by the Company
- right to request the deletion of their data
- right to be informed about appropriate safeguards in place where data is transferred abroad
- right to request rectification of personal data which is stored by the Company
- right to request the transmission of data from the Company to a third party (right to the portability of data)
- right to object to automated decision-making and processing
- right to object to direct marketing
- right to request the processing of their information; and
- right to complain to the NDPC.
- Review of our Privacy Notice
We may need to review and make necessary updates, modifications, or amendments to our Privacy Notice to ensure compliance with applicable data protection legislations including the NDP Act/GAID, or as a result of changes in our systems and processes arising from the use of technology. We will notify you of any material changes in the way we collect and process your personal data on our Site by placing a notice online or via email. Your continuous use of our services after such notice will be construed as your consent to carry on with the processing of your personal data.
- Dispute Resolution and Complaint Handling Mechanism
In line with our objective of creating a rewarding customer experience on our website and mobile application, the Company has developed a dispute resolution and complaint handling process to ensure the effective management and timely resolution of all complaints relating to this Privacy Notice. If you have any complaints regarding this Privacy Notice, please send us an email via dpo@citizenspensions.com. We will investigate and work towards ensuring the prompt resolution of all disputes and complaints relating to the use and disclosure of personal data in line with the provisions of the NDP Act/GAID.
If the outcome of the resolution of your complaint is unsatisfactory, you are at liberty to complain to the Nigeria Data Protection Commission (NDPC).
- Contact Details of our Data Protection Officer (DPO)
If you have any questions or inquiries relating to the collection and processing of your personal data on our Site or the exercise of your rights as a data subject under the NDP Act/GAID, please send an email to our DPO via email at dpo@citizenspensions.com
