Privacy Policy

Finger cash understands the importance of our user’s privacy. We believe in the responsible handling of personal data and information we collect from our users. Please read this Privacy Policy carefully before accessing or using the Service.

The purpose of this Privacy Policy is to inform our users or potential users of our policies on your privacy rights regarding our collection, use, storage, processing, disclosure and security of your information when you use Finger cash. This is in accordance and compliance with the rules and regulations of .

1. Purpose of Collection In order to offer you the Services, we are required to conduct identity and credit worthiness verification. You expressly permit us to analyze your smartphone data to verify your identity and create a personalized credit scoring models to determine what Loans can be offered to you. We also use this data for purposes of collections and credit reporting.

2. Data we collect When you register for the Service, we will collect your basic information as per the below: 

A.SMS

Why we request your device SMS data

Finger cash-personal loan will read the SMS information in your device to measure the user’s credibility and discover and analyze potential fraud and risks.

What you can do

You can choose to refuse the authorization, which will not affect your continued application for loans on the APP.

Data safety

Your SMS data will be encrypted and transmitted to https://www.fingerscash.info. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.

For the collection of your SMS data, it will only be read after you authorize us to obtain the 'READ_SMS' permission in your device. Finger cash-personal loan will not read and collect your SMS data when the app is closed or not in use.

B.PHONE STATE

Finger cash-personal loan require phone state access so that we can ensure that no unauthorized device acts on your behalf to prevent frauds. we will collects and monitors specific information about your device including your hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, line1Number, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices. This also helps us in enriching your credit profile and assessing your credit worthiness.

APPLICATION LIST

Why we request your device APP list data

We querying for specific apps that satisfy our app\'s manifest declaration on your device. These specific apps will help us to know if your device has apps installed with related features such as fraud or cloning (e.g. fake location information, cloned email id and contact information). So that we can judge the authenticity of your information and make a correct judgment on your credit risk.

What you can do

You can choose to refuse the authorization, which will not affect your continued application for loans on the APP.

what data we will collect

We will collect basic information such as the name, version number and package name of the applications installed on the user's device.

Data safety

This limited app information will collects and transmits to Finger cash-personal loan servers https://www.fingerscash.info. Finger cash-personal loan will not read and collect your data when the app is closed or not in use.. Finger cash-personal loan will never share data to any third party. The collection will only be done if you agree to the authorization.

D.Call_log

Why we request your device Call_log data

Finger cash-personal loan will read the Call_log information in your device to measure the user’s credibility and discover and analyze potential fraud and risks.

What you can do

You can choose to refuse the authorization, which will not affect your continued application for loans on the APP.

Data safety

Your Call_log data will be encrypted and transmitted to https://www.fingerscash.info. After analysis, we will permanently delete the Call_log data. We will not share your Call_log data with any third party.

For the collection of your Call_log data, it will only be read after you authorize us to obtain the Call_log permission in your device. Finger cash-personal loan will not read and collect your Call_log data when the app is closed or not in use.

3. How We Use Your Information & Data  We acquire, transmit, store, analyze and use your data for the following purposes verify your identity; Verify user information and uniqueness; Improve borrowing process; To provide more high-quality and efficient loan services; Send reminders of repayment when necessary; To respond to national policies and relevant laws and regulations;

4. Personal Data Sharing We may share your data with third parties in certain circumstances. We may, for example, share data with: (i)credit bureaus, in requesting credit histories or reporting loan defaults; (ii)collections agencies, in seeking to collect overdue Loans; (iii)government bodies and law enforcement agencies, to comply with the law; (iv)professional advisers, to enforce or defend our legal rights; (v)or with a purchasers or sellers in connection with a corporate event such as a merger, business acquisition or insolvency situation.

5.Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third-party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

6. Location Services. You acknowledge and agree that we require access to your GPS location when using our Services. We require access to your GPS location in order to ensure that you are utlising our services within the borders of Ghana only, as required by our license conditions. We furthermore require your GPS location as part of our anti-money laundering and anti-terrorism practices. Failure to authorise use of your GPS location will disqualify you from using our Services. Geolocation services are provided by Google LLC.

7. Changes To Privacy Statement We reserve the right to modify our Privacy Policy at anytime at our sole discretion. Any amendments to our Privacy Policy will be displayed this first time you login into the App after the changes have taken effect and which changes you shall be required to read and accept to keep using the Services. Should you not accept the amendments to our Privacy Policy your access to the Services will be prevented and/or your account suspended.

8. Right to Withdraw Consent You have the right to withdraw consent to receive promotional messages by following the process stated in the Terms and Conditions.

9.Children

The Services are not intended for children who are under 18 years of age and we do not knowingly collect Personal Data from children under 18. If you are under the age of 18, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children's Internet usage and to help enforce our Privacy Policy. If you believe we have collected information from a child who is under 18 please contact us and we will endeavor to delete the information.

10.Security

No Internet or email transmission is ever fully secure or error free. In particular, email sent to or from us in connection with the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to us via the Internet.

11. Contact Information If you have any questions about this privacy policy or other privacy issues, we can be reached at:

Telephone: 976812267

e-mail: NarscashZambiaservice@outlook.com

address:H9F9+48, Lusaka, Zambia