About This Cookie Policy

This Cookie Policy explains how Gazelle by Sterling (Gazelle, we, us, our), a digital lending platform provided by Sterling Bank Limited, uses cookies and similar technologies on our website and digital platforms (Services) to operate and secure our Services, remember your preferences, manage consent choices, support account access, and improve performance and user experience. It explains what cookies are, why we use them, the types of cookies we use, and how you can manage your preferences.

This Cookie Policy should be read together with our Privacy Policy, which explains how we handle personal data in compliance with the Nigeria Data Protection Act (NDPA) 2023 and other applicable laws.

What Are Cookies?

Cookies are small text files placed on your device (computer, mobile phone, tablet) when you visit a website. Cookies allow the website to remember your device, preferences, and actions, such as language, consent choices, and session status, for a period of time.

We may also use similar technologies such as local storage, tags, pixels, or scripts.

The Specific Cookies We Use

For clarity, cookies on our Services fall into two broad groups:

Essential Cookies (Necessary Cookies)

These cookies are required for the website to function properly, including security, page display, and consent management. They are always active and cannot be switched off through our cookie banner because the website cannot operate properly without them.

Non-Essential Cookies (Optional Cookies)

These cookies are not required for core website function. On Gazelle, they support additional features such as analytics to improve your experience, preference storage for enhanced usability, and security monitoring to protect your account and transactions. These cookies are only used where applicable and subject to your consent.

Why We Use Cookies

On Gazelle, we use cookies to:

• operate and secure our website
• manage your consent preferences and login sessions
• ensure correct page layout and user experience during your loan application
• verify your identity and authenticate your account access
• monitor and prevent fraud to protect your account and transactions
• detect and address technical issues or security threats
• monitor usage and improve our Services where you have consented
• support customer care and internal operations, including troubleshooting and account management

Cookie Categories We Use

Cookies used on our Services may be grouped into the following categories:

Strictly Necessary / Essential Cookies (Compulsory)

These cookies are necessary to:

• enable core website functionality
• manage cookie consent and comply with privacy obligations
• support security features

These cookies are always enabled.

Functional Cookies

These cookies provide additional functionality beyond essential operations, such as embedded services and third-party content.

These cookies are used only when you consent.

Performance / Analytics Cookies

These cookies help us understand website usage and improve user experience, for example through analytics tools.

They are used only when you consent, where applicable.

Managing Your Cookie Preferences

You can manage cookie preferences by:

• using the cookie banner on the website to accept or reject optional cookies
• adjusting browser settings to delete cookies or block cookies completely

Please note: disabling cookies may affect your experience and some Services may not function properly.

Third-Party Cookies

Where third-party services are enabled, such as YouTube or Google Fonts, those third parties may process your data and deploy cookies according to their privacy policies.

For more information on Google's privacy practices:

Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect legal, technical, or operational changes. Updates will be posted on our website and become effective upon publication.

Contact Us

If you have questions about this Cookie Policy or your privacy rights, contact:

Data Protection Officer (DPO)
Sterling Bank Limited
20 Marina, Lagos
Email: dpo@sterling.ng
Phone: 02018888822, 07008220000