Privacy Policy
Understand the permissions we need
Version date: February 20, 2025
Hello,
In order to expedite the loan origination process and accurately assess your eligibility, we may need you to provide certain data. Below we have outlined the specific data we require, the information we collect, and how we use it.
App Permissions Description
To ensure the normal operation of the application and provide better services, we may request the following permissions:
Device Information
Purpose: We collect device information to optimize app compatibility, improve user experience, and prevent fraudulent activities.
Data Collected: Device model, operating system version, unique device identifier (e.g., IMEI), IP address, and network information.
How We Use It: This data is used for technical diagnostics, fraud detection, and ensuring the app functions correctly on your device.
Data Storage: All device information is securely stored on our servers at https://narbloanoja.jollofcash.com and is not shared with third parties.
App List
Purpose: We access your installed app list to assess credit risk, understand user behavior, and provide personalized loan recommendations.
Data Collected: The names and types of apps installed on your device.
How We Use It: This information helps us evaluate your financial habits and tailor loan offers to better suit your needs.
Data Storage: App list data is securely stored on our servers at https://narbloanoja.jollofcash.com and is not shared with third parties.
Data Storage
We store all collected information on our secure servers at ( https://narbloanoja.jollofcash.com ) and will not share it with any third party.
How We Use Your Data
We collect data to provide you with services, verify your identity, and create credit scoring models to determine which loans we can provide you with. We also use this data for collection and credit reporting purposes.
Data We Collect
Upon registration for our services, we will collect your phone number. In addition, we may obtain your name, age, address, salary, and emergency contacts. By using our registration services, you consent to the collection and processing of the above data.
In order to safeguard your privacy,we have implemented the following policies regarding data acquisition and utilization.
ITS SPECIAL SECURITY
All capitalized phrases in this Privacy Policy will have the same meaning as those in our conditions of use,unless otherwise noted(where pertinent).
LISTED BELOW IS WHAT WE HAVE DISCOVERED ABOUT YOU
The IMEI number,MAC address,and phone number are among the technical data and IDs that the application necessitates for the user's mobile device.Additionally,they must specify the mobile network,operating system,mobile browser version,and time zone they have chosen.Digital data,including phone records,SMS,emergency contacts,videos,and images,must be incorporated.
INFORMATION OBTAINED FROM EXTERNAL SOURCES
Cooperation with a diverse array of entities,including banks,suppliers,contractors,partners,and collection agencies,is essential for the successful deliverance of our services.Consequently,they may possess any information regarding you.We will only collect your personal information for our purposes in connection with these companies after obtaining your assent and confirming that they will comply with our privacy policy,the 2019 Data Protection and Privacy Act,and other relevant legal obligations.
You are permitted to submit personal information regarding your acquaintances,family,colleagues,and emergency contacts,among other things.In order to accomplish this,you will require their authorization.For additional information,please refer to the"ACCEPTANCE AND ACKNOWLEDGEMENT"section located immediately below.
UTILIZING THE DATA WE HAVE COLLECTED REGARDING SPECIFIC INDIVIDUALS
We are authorized to utilize the personal information we have collected for the purposes specified by law.
1.Your personal data may be utilized for the following purposes:
(1)To verify your identification,register you,and maintain your credit and account status.
(2)We will conduct any required assessments or evaluations prior to establishing an account for you.
(3)Repay the loan and receive compensation for your labor.
(4)To develop methods for evaluating creditworthiness and determining creditworthiness;
(5)To ensure compliance with all pertinent laws,regulations,and directives,including those related to anti-money laundering and"know-your-customer"obligations;
(6)To contact you and furnish you with pertinent application information;
(7)To inform you of any alterations to the application or service,such as the inclusion of transaction fees or interest;
(8)To address your inquiries and feedback;
(9)To enhance,enhance,and upgrade the application to enhance your experience as a user;
(10)In order to achieve the objectives delineated in this Privacy Policy and the Terms of Use,we may send you automated or prerecorded emails or text messages(SMS).
(11)To monitor and analyze user characteristics and behavior,including the manner in which they employ the program's capabilities and any emergent patterns;
(12)To send you promotional materials and notify you of exclusive offers and discounts.
2.We will always ensure that your personal information is managed securely and for the fewest possible purposes,even when it may be used for more general objectives.
(1)To oversee the primary operations of the business;
(2)To supervise the program's operation and offer administration,support,and improvements to its functionality,features,and user satisfaction;
(3)To resolve any technical issues or errors that may occur with the software;
(4)To generate anonymized data for the purpose of product development,testing,and research;
(5)To identify,investigate,and prevent any dishonest,prohibited,disapproved,or illicit conduct;
(6)To provide assistance to us or any affiliated businesses in business transactions,including firm sales,mergers,or acquisitions;
(7)To fulfill our legal obligations,validate audits,and conduct thorough investigations.It is one of your obligations;however,it is not the sole one.This involves responding to inquiries and adhering to police directives.
A COLLECTION OF OUR KNOWLEDGE
1.For legal purposes,we may disclose your personal information to related companies and other parties.We commit to treating all individuals with the same respect and supplying only the minimum amount of personal information necessary to achieve the intended objective.
(1)In the event that you,us,or any other party is involved in a legal action involving the Service;
(2)When discussing financial matters,asset sales,restructuring,mergers,consolidations,or the sale of our business to another entity;
(3)When your personal information is accessible to banks,collection agencies,suppliers,contractors,partners,agents,or any other company that collaborates with us or offers services.
(4)when we fulfill our legal obligations,which include complying with laws and regulations,responding to inquiries,providing instructions,and reporting and submitting.One method to accomplish this is to permit other businesses to promote,investigate,evaluate,and produce products or services on your behalf.
(5)We will only share your information with our collaborators if it is necessary for the administration of the company,data processing(including marketing),or the dispatch of the app.To accomplish this,ensure that your email address is included in our database.For example,your personal information may be managed and stored in a different country by our primary company in your country.Our partners have committed to the responsible management of any personal information they acquire from us,in compliance with our Privacy Policy and all relevant laws.
(6)If we ascertain the manner in which the App and the Service are being employed,we will compile all data and eliminate any personal information.
(7)We will disclose your personal information if we consider it necessary to safeguard you or others,comply with the law,or investigate any policy infractions.
2.Before disclosing the information to others,we will eradicate any potential correlation between it and you.
3.We may disclose or transmit your personal information in a manner that is prohibited by this privacy policy,even if you have provided us with prior notice.
TRANSFER OF PERSONAL INFORMATION BETWEEN COUNTRIES
Your information may be processed,stored,utilized,and transferred outside of your current residence when you utilize our services.The locations of our company's staff,servers,and service providers are also publicly accessible,as are businesses in other countries where our consortium conducts business.
We are committed to protecting personal information in accordance with the Data Protection and Privacy Act of 2019,Ugandan laws,and our privacy policy.
By signing this contract,you consent to the transmission of your personal data on a local and international scale.
SECURITY OF PERSONAL INFORMATION
Personal information will be retained for the duration of time required to fulfill the original purpose for which it was collected or as permitted by law.We will either promptly delete your personal information or ensure that it cannot be associated with you when it is no longer required for legal or business purposes.
ENHANCING THE INTEGRITY AND ACCESSIBILITY OF PERSONAL DATA
We reserve the right to decline requests to update your personal data in accordance with the law.This may occur if we determine that the requests to view or modify the data are superfluous,time-consuming,or irrelevant,or if the personal data contains references to other individuals.
YOU ARE IN CONTROL OF YOUR OWN PERSONAL INFORMATION
The personal information we collect from you may be handled,transferred,or stored by other companies.We will make every effort to guarantee that the privacy guidelines specified in this policy are adhered to by all external service providers.
WE ENSURE THE SECURITY OF YOUR PERSONAL INFORMATION
Our primary objective is to safeguard your personal information.We are dedicated to the protection of your personal information and will take all necessary measures to prevent unauthorized use,injury,or loss.Additionally,we guarantee that no information will be collected,utilized,or disclosed without your explicit consent.Regrettably,there is no assurance that information transmitted via the internet will be secure.We cannot ensure that any information you disclose online will be completely secure from unauthorized access or uncontrolled modifications,despite our most stringent security measures.In order to guarantee the security of your mobile device and password,it is imperative that you safeguard the anonymity of your account information.
DATA ERASING AND RETENTION
The volume,nature,sensitivity,potential harm from unauthorized use or disclosure,the reasons for processing the data,whether those purposes can be achieved through other means,and any applicable legal,regulatory,tax,accounting,or other requirements are all taken into account when determining the appropriate retention period for personal data.Your information will be retained on file for the duration necessary to fulfill the objectives for which it was collected,including meeting reporting,tax,legal,and financial obligations.
We discovered that:
(1)We will retain your financial information for a maximum of six years following the date of your most recent transaction,or for a longer period if it falls within the retention period specified below,in accordance with applicable laws,including anti-money laundering requirements.
(2)All pertinent data,including personal and transactional data,will be permanently deleted six years after the cancellation date.We may retain your personal information for an extended period in connection with our relationship with you and/or your use of the Services if there are reasonable grounds to suspect that a lawsuit or other regulatory enforcement action is imminent,or if a complaint is filed..
THE CHANGES IN THE PRIVACY POLICY
We will conduct routine reviews and updates to our privacy policy to guarantee that it is in accordance with current regulations and applicable laws,such as the Data Protection and Privacy Act of 2019.We recommend that you frequently review our Privacy Policy to ensure that you are aware of the methods we use to manage and safeguard your information.The new privacy policy will be assumed to have been accepted if you continue to use the service,contact us,or visit the website or application after the changes have been implemented.
ACCEPTANCE AND ACKNOWLEDGEMENT
1.By signing the Privacy Policy,you acknowledge that you have reviewed,understood,and consented to its entirety.Your consent to the collection,use,disclosure,retention,transfer,and management of your personal information is granted by your acceptance of this privacy statement.
2.Before disclosing any personal information,you confirm that you have obtained the consent of your family,colleagues,emergency contacts,and any other relevant parties.Additionally,you authorize us to manage,distribute,and utilize their personal information on their behalf.
3.In the event that we are unable to locate you in any other manner,you authorize us to contact you and your emergency contact(provided that they have granted us permission)in order to collect your loan payment or verify your information.
4.By sending a written notice to the contact details specified below,you may halt the collection,use,or disclosure of your personal data.Furthermore,you have the option to"opt-out"or"unsubscribe"from receiving specific information and messages from us by utilizing the"unsubscribe"or"opt-out"option that is prominently displayed in our communications.It is your understanding and agreement that you may be unable to utilize any of the application's or service's features if you choose to revoke your consent.We reserve the right to terminate our partnership and your account in the event that you revoke your consent.Every obligation and entitlement will be maintained.Please be cognizant of the potential repercussions if you choose to revoke your consent after we have received your request to use,acquire,or distribute your personal information.You are permitted to modify your decision at any time.
ADVERTISING AND PROMOTION CONTENT
1.We reserve the right to send you marketing communications via the App,mail,phone,text message,email,online chat,or push notifications in order to inform you of special offers,promotions,or activities from us,our partners,sponsors,or advertisers,or to provide you with updates on the features of our App.
2.You may revoke your consent to receive these marketing messages at any time by choosing the"unsubscribe"link in the email or contacting us using the information provided.
3.Please be advised that you may continue to receive non-promotional alerts regarding loan transactions,your account,the app,and other critical information,even if you elect to unsubscribe.
WEBSITES RELATING TO A SPECIAL ISSUE
1.Other websites may be incorporated with the website and application.We are not responsible for the collection,utilization,storage,distribution,or disclosure of data and information by these other organizations.Furthermore,we are not accountable for the functionality of these websites.It is advisable to examine the privacy policies and terms of service of other websites in order to determine the manner in which they collect and manage your personal data.
2.Links to the advertiser's website may be present in the advertisements that appear on our app or website.The advertiser will collect and utilize any information obtained by clicking on the link in accordance with their privacy statement.
CRITERIA FOR RESPONSIBILITIES
Additional or distinctive obligations that may arise from the subsequent points are not included:
1.how interfering the app is with your life or how dependent you are on it.
2.Even if you were blissfully unaware of the potential repercussions,any arrangement or partnership you had with another individual.
3.We are not accountable for any delays or issues that are beyond our control.
DIRECTIONS FOR CONTACTING US
If you have any inquiries regarding our privacy policy or would like to access your personal information,please send an email to trustworthy@jollofcash.com.
