We gather specific personal information about you. Third parties may provide us with Personal Information when you use the App, or we may automatically collect it. For instance, you may provide us with Personal Information when you register for an account to access the Service through the App or in other ways. We have the capacity to collect data in a variety of formats and for a variety of purposes, including those that are permissible under the law.

The following data is collected each time you access our website or use the app:

2.1 Certain information may be automatically collected through the use of cookies whenever you use the App or visit our website. Cookies are small program files that are stored on your mobile device or computer. In order to enhance the user interface and experience, we employ cookies to monitor user behavior. Although the majority of mobile devices and web browsers permit the use of cookies, it is possible to modify the settings of your device or browser to reject specific categories of cookies or to prevent the use of certain types of cookies altogether. Additionally, you would always have the ability to eliminate any cookies that were previously stored by utilizing your mobile device and/or browser. However, this could potentially impact the functionality of our website or the application.

2.2 In order to utilize the application, the user must provide their emergency contact list, call and SMS records, images, videos, or other digital content. The technical details and unique identifiers of your mobile device (including the IMEI number, MAC address, and phone number), as well as information about the mobile network, operating system, mobile browser type, and timezone preferences, must also be entered.

2.3 Upon registering with us and establishing an account through the App, you are required to submit specific personal information, such as your name, BVN (Bank Verification Number), date of birth, gender, educational background, physical address, email address, employment information, marital status, emergency contacts, phone number, SIM card details, financial and credit information (including your Mobile Money account details, bank account details, and bank verification code (if applicable), as well as account ID and/or password, which you will use to access the App after registration.

The following are the objectives for which we are authorized by applicable law to use the Personal Information we have collected:

3.1 We may utilize your personal information in the following manners:

3.1.1 managing or administering your Account and credit terms, in addition to identifying and registering you as a user;

3.1.2 we may elect to implement or execute any checks prior to registering you as a user.

3.1.3 to disburse the loan and collect fees for your use of the Service;

3.1.4 to develop credit models and conduct credit evaluations;

3.1.5 to adhere to pertinent laws, regulations, and guidelines, including those related to anti-money laundering and 'know-your-customer' obligations;

3.1.6 to engage in conversation with you and furnish you with information regarding the application;

3.1.7 to inform you of any modifications to the Service or updates to the App;

3.1.8 to respond to and address the inquiries and feedback you have submitted;

3.1.9 to enhance, test, update, and personalize the program to accommodate your preferences and requirements as a user;

3.1.10 to communicate with you via phone calls that utilize pre-recorded or auto-dialed messages, or text messages (SMS) if applicable, for the objectives outlined in this Privacy Policy and the Terms of Use;

3.1.11 to gather and analyze demographic data and user behavior, including the patterns and utilization of the services provided by the application; and

3.1.12 to provide you with direct marketing communications, specifically information about promotions and exclusive offers.

3.2 Furthermore, while we will always act responsibly and utilize no more Personal Information than is required for the specific purpose in each instance, we may also use your Personal Information for the following more general purposes:

3.2.1 to execute pertinent business operations and procedures;

3.2.2 the administration, upkeep, and enhancement of the application's functionality, user experience, and performance efficiency, in addition to the supervision of its usage;

3.2.3 to offer support and resolve any issues or malfunctions associated with the application's functionality;

3.2.4 generating anonymized statistical information and analytics data for the purpose of research, testing, and analysis in the context of product development;

3.2.5 to investigate, identify, and halt any unlawful, dishonest, unapproved, or prohibited activities;

3.2.6 to provide support for business asset transactions that involve us and/or any of our Affiliates, including asset sales, mergers, and acquisitions; and

In addition to conducting regulatory inquiries, investigations, and directions, we are obligated to fulfill our obligations in accordance with any applicable law. This includes conducting audit reviews, due diligence, and investigations.

4.1 We preserve the right to disclose or share your personal information with Affiliates and other parties for any of the following reasons, as well as any other reasons permitted by applicable law (although we will always act reasonably and disclose or share no more Personal Information than is necessary for the specific purpose):

4.1.1 in accordance with the provisions of applicable law, for the purposes specified therein (including, but not limited to, complying with statutory or regulatory filing and reporting requirements, responding to regulatory inquiries, investigations, or directives);

4.1.2 in any legal matter involving you, us, or another individual, in connection with or pertaining to the Service, for the purposes of that legal proceeding;

4.1.3 in conjunction with or during negotiations of any merger, sale of company assets, consolidation or restructuring, financing, or purchase of all or a portion of our business by or into another company, for the purposes of such a transaction, even if it is not ultimately pursued;

4.1.4 when we disclose your Personal Information to external parties (such as banks, mobile network providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and any other individuals who work for us, perform tasks on our behalf, or are involved in our business) in order to facilitate their engagement or our collaboration with them (as applicable). This category may encompass the authorization of third parties to present or sell products or services to you, as well as to study, analyze, and develop items on your behalf.

4.1.5 we will not disclose Personal Information to Affiliates unless it is necessary for them to assist us in the operation of our business or the provision of the App (including direct marketing in the event that you have subscribed to our mailing list) or if they are processing data on our behalf. We are dedicated to ensuring that all of our Affiliates handle Personal Information received from us in accordance with this Privacy Policy and any applicable laws.

4.1.6 in the event that we publish utilization statistics for the App and the Service, all data will be combined and anonymized.

4.1.7 in the event that we are of the firm conviction that disclosing your personal information is essential to prevent injury to yourself or others, to report suspected illicit activity, to investigate potential violations of our terms of use, or to comply with the law;

4.2 Prior to disclosing or sharing Personal Information with other parties, we will take all reasonable measures to eliminate any means by which the information can be personally associated with you, if it is not necessary.

4.3 In addition to the provisions of this Privacy Policy, we may disclose or distribute your personal information with your consent and prior notification.

7.1 By utilizing the information provided below, you may request access to and/or correction of your Personal Information that is in our possession and control. We reserve the right to impose an administrative fee for such requests, provided that they are in accordance with the applicable legal requirements.

7.2 If necessary or permitted by any applicable law, we preserve the right to decline any requests for access to, or correction of, any or all of your Personal Information that is under our possession or control. This may encompass situations in which the Personal Information contains references to other individuals or when the request for access or correction is made for what we consider to be trivial, irrelevant, or bothersome purposes.

8.1 Third-party service providers may process, transmit, or retain the Personal Information we obtain from you. We are committed to making every effort to guarantee that all third-party service providers adhere to the same privacy standards as delineated in this policy.

8.2 Employees employed by us abroad, as well as third-party suppliers, contractors, affiliates, and service providers, may store or handle your personal information outside of your country to the fullest extent permitted by applicable law. In the event that this occurs, we guarantee that the pertinent Personal Information will be safeguarded to the fullest extent permitted by law in your country (and, in any case, in accordance with our obligations under this Privacy Policy).

12.1 You acknowledge that you have read, comprehended, and consent to all of the Privacy Policy's terms by accepting it. You hereby consent to the acquisition, use, disclosure, storage, transfer, and other processing of your Personal Information in accordance with this Privacy Policy.

12.2 You represent and warrant that you have the consent of the individual and hereby consent on their behalf to the collection, use, disclosure, and processing of their Personal Information by us in the event that you provide us with Personal Information about other people, such as your spouse, family, friends, or emergency contact.

12.3 Furthermore, you hereby expressly authorize us to contact you and your emergency contact (provided that they have granted us permission) to verify your information in the event that we are unable to contact you through other channels or if we have not received your payment in the context of the Loan.

12.4 By providing us with a reasonable written notice using the contact information provided below, you may revoke your consent to any or all collection, use, or dissemination of your personal information at any time. In addition, you have the option to revoke your assent for us to send you specific communications and information by utilizing the 'unsubscribe' or 'opt-out' option that is located in our correspondence with you. It is your understanding and agreement that, subject to the circumstances and the type of consent you are withdrawing, you may be unable to utilize the App or specific components of the Service following the withdrawal. If you revoke your consent, our contractual relationship and your Account may be terminated, and all rights and obligations that have accrued will be fully reserved. Upon receipt of your communication regarding your desire to withdraw your consent for the acquisition, use, or disclosure of your personal information, we will inform you of the potential repercussions. Next, you will have the opportunity to determine whether you wish to revoke your consent.

13.1 In order to inform you about special privileges, promotions, or events offered or organized by us, our partners, sponsors, or advertisers, or to provide updates on our App and/or the products and services offered therein, we may send you marketing and promotional communications via mail, phone call, short message service (SMS), email, online messaging, or push notifications via the App.

13.2 You may opt out of receiving these marketing messages at any time by selecting the 'unsubscribe' link in the relevant message or by contacting us using the information provided below. We would like to inform you that we may still send you non-promotional notifications regarding your account or the app, loan disbursement or repayment receipts, and other information, even if you elect to opt out.

14.1 External websites operated by third parties may be linked to the App and Website. We are not responsible or liable for the collection, utilization, maintenance, sharing, or disclosure of data and information by these third parties, and we have no control over these websites. In order to determine the manner in which those third-party websites collect and utilize your personal information, please consult their privacy policies and terms and conditions respectively.

14.2 The advertising on our app or website contains links to the advertiser's website. Consequently, the advertiser in question will collect and utilize any information it acquires as a consequence of your clicking on the link in accordance with the advertiser's privacy policy.

We do not provide coverage for any indirect, incidental, consequential, extraordinary, exemplary, or punitive damages that may result from the following:

15.1 Your inability to access or use the application, or the manner in which you rely on and employ it; or

15.2 Any transaction or relationship between you and any other third party, regardless of whether we have been informed of the potential for such losses.

We will not be held accountable for any delay or nonperformance that is the result of events beyond our reasonable control.