By using the Jara Cash App, you agree to our Services and the conditions set forth for applying for a consumer loan.
As a Customer, it is crucial that you thoroughly read, understand, and accept all the terms and conditions outlined in this Privacy Policy, which governs your use of the services provided through our website or application. This Privacy Policy represents a legal agreement between you and Jara Cash, clarifying the manner in which your personal information is collected, used, stored, shared, and protected when you access or utilize the products and services offered by Jara Cash or its Partners. Your consent to this Privacy Policy is explicitly given when you engage in activities such as clicking the "Loan Registration" button, creating an account, providing personal data, or initiating any transaction through our platform.
By accepting this Privacy Policy, you authorize Jara Cash and its Partners to collect personal information, including but not limited to your name, contact details, financial data, and any other necessary information required to provide you with our services. We are committed to safeguarding your personal data and adhere to applicable laws and regulations concerning data protection, privacy, and confidentiality. Your data may be used for purposes such as verifying your identity, evaluating your eligibility for our services, processing transactions, managing customer relationships, and complying with legal obligations.
In addition, we may use your data to communicate with you about our services, special offers, updates, and promotions that may be of interest to you. Your personal information may be shared with our Partners, third-party service providers, or regulatory authorities as required by law, or for the purposes outlined in this Privacy Policy. We implement strict security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, while we strive to safeguard your information, we cannot guarantee its absolute security and encourage you to take necessary precautions to protect your data.
By continuing to use our website or application and availing of our products and services, you confirm that you have read, understood, and agreed to all terms of this Privacy Policy, including any future amendments or updates. Should you disagree with any part of this Privacy Policy, we advise you to discontinue using our services immediately. Your continued use of our services will be deemed as acceptance of our Privacy Policy in its entirety, including any changes made in the future. For any questions or concerns regarding your privacy or the terms of this agreement, please contact our customer service team.
Definitions
Service: Refers to any product or service provided by Jara Cash and/or its Partners, which may be accessed and utilized through our website or application. This includes, but is not limited to, financial products, digital services, promotional offers, and customer support services available on Jara Cash's platform. The availability of these products and services is maintained through our online channels, such as the website and the mobile application ("Application"), which can be downloaded or streamed from digital distribution services like the Google Play Store or directly from the Application Site.
Once you have downloaded or streamed a copy of the Application onto your device, Jara Cash and its Partners will provide you with ongoing access to our suite of services. This involves continuous updates, maintenance, and support to ensure that the Application remains functional, secure, and up to date. As a user, you may use the Application to manage your account, apply for loans, track transactions, receive notifications, and engage with other services that Jara Cash and its Partners may offer from time to time.
By utilizing the Application, you acknowledge and agree that Jara Cash may periodically update the Application, which may involve automatic installation of software updates, bug fixes, security patches, new features, and enhancements designed to improve your user experience. You further agree that Jara Cash and its Partners maintain the right to modify, restrict, or discontinue any aspect of the products and services available through the website or Application at any time, with or without prior notice, to comply with legal requirements or for other reasons deemed necessary by Jara Cash.
Additionally, your use of the Application is subject to Jara Cash’s Terms of Service and this Privacy Policy, which govern the collection, use, and protection of your personal data. By downloading or streaming the Application, you consent to these terms and commit to using our services in accordance with all applicable laws and regulations. If you disagree with these terms or wish to discontinue the use of the Application, you should delete it from your device and refrain from accessing our services.
Partner: Refers to any organization, company, or entity that has established a formal partnership or collaborative agreement with Jara Cash to deliver a range of products and services to you through our website or application. These partners may include, but are not limited to, financial institutions, credit providers, data processors, technology service providers, marketing agencies, customer support services, payment processors, and other third-party entities that contribute to or facilitate the offerings available on Jara Cash’s platform.
Each Partner is carefully selected based on their expertise, reliability, and commitment to providing high-quality services that align with Jara Cash’s standards and values. The collaboration with these Partners enables Jara Cash to enhance its service offerings, improve user experience, and ensure a diverse range of products and services are available to meet your needs. This may involve sharing certain user information with our Partners, as outlined in our Privacy Policy, to enable them to provide services such as loan processing, identity verification, customer support, or tailored marketing communications.
By using the website or application, you acknowledge and consent to the involvement of these Partners in providing services to you. Our Partners are bound by strict confidentiality agreements and data protection regulations to safeguard your personal information and ensure that it is used solely for the intended purposes as described in this Privacy Policy. Jara Cash maintains oversight of its Partners' activities and conducts regular reviews to ensure compliance with our standards, terms, and conditions.
If at any time you have concerns or questions about the role of our Partners in delivering services or the use of your data, you are encouraged to contact Jara Cash's customer service team for further clarification. Your continued use of the website or application constitutes acceptance of these terms and the involvement of our Partners in service delivery. Should you disagree with these terms, we advise discontinuing the use of our products and services.
Customer's Commitment You agree to read, understand, and accept all terms specified in this Privacy Policy. You are fully aware that the information you provide when you log in, access, or use the website/application or any of its features, processes, or functions may be collected, processed, transferred (including to international locations), or stored as outlined in this policy.
To comply with Jara Cash’s internal policies and Data Protection Laws, you acknowledge that Jara Cash and/or its Partners will provide Services only to individuals who are eighteen (18) years or older and reside within the Federal Republic of Nigeria. Therefore, you undertake that the information you provide to Jara Cash is accurate and that you meet the criteria to establish transactions with Jara Cash and/or its Partners. You are solely responsible for the accuracy of the information provided in accordance with this Privacy Policy.
You are aware that you have the right to request that Jara Cash suspend or permanently stop collecting, using, or transferring all or part of the information collected from you, even if you initially agreed to allow the collection, use, and transfer of your information. You can do this by contacting Jara Cash’s Customer Service for guidance.
By downloading the Jara Cash App, you consent to the collection and processing of your personal information for legitimate business purposes, such as determining your credit score and providing a loan. You certify that all the information provided is true and correct to the best of your knowledge. Any misrepresentation or falsity will be considered an act of fraud against Jara Cash and its Partners. You should update your information promptly to maintain accuracy and completeness. Jara Cash reserves the right to suspend or terminate your access to the Services if, in its reasonable opinion, you knowingly provide false, untrue, inaccurate, or incomplete information. You authorize Jara Cash to verify and investigate your statements/information from references provided and other reasonable sources. For this purpose, you waive your rights to the confidentiality of client information and expressly consent to the processing of personal information and records that may be obtained from third parties, including government agencies, employers, credit bureaus, business associates, and other entities as deemed proper and sufficient by Jara Cash.
Personal Information We Collect Jara Cash collects Personal Information about you, which may be provided directly by you (e.g., when you open an account to use the Service via the App), by third parties, or automatically when you use the App. This information is collected in various forms and for various purposes, including those permitted under applicable law.
To better understand your identity and evaluate your credit qualifications, Jara Cash needs your permission to collect certain relevant information. Your information will be encrypted and securely transmitted to our server at https://www.jaracash.com. Unless otherwise stated herein, Jara Cash will not share the collected data with any third party without your consent.
Permission to Access Device Information Jara Cash may collect certain device information, including hardware details such as the device's operating system, Android version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size, and other hardware-related details. This information is collected to uniquely identify the device and ensure that unauthorized devices do not act on your behalf, thereby preventing fraud.
Type of Data Collected: Hardware information, including operating system, Android version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size, and other relevant details.
Security of Data: All collected data will be uploaded to Jara Cash's server at https://www.jaracash.com with high-level protection. Jara Cash will never share data with third parties without your permission.
Contact
When you use the Jara Cash application, we may, with your explicit consent, ask you to provide a backup mobile number or nominate an emergency contact. It is important to note that this process is not performed through system permissions. Instead, it relies entirely on your manual input. We do not access, download, or store your phone’s contact list, and we will never reach out to anyone in your contacts.
The app only gives you the option to manually enter and upload the details of an emergency contact or next of kin into your account profile, strictly for the purpose of supporting your loan facility. By providing this information, you confirm that you have obtained prior consent from the individual, and that they agree to be listed as your emergency contact or next of kin.
You may enable or disable access to this information at any time via your device settings. Jara Cash is committed to transparency by clearly informing users about the data we collect, why it is collected, and how it will be used. While this data may be uploaded to Jara Cash’s secure servers, we will never share it with any third parties.
All data handling is carried out in full compliance with applicable Nigerian data protection laws, including but not limited to the Nigeria Data Protection Act (NDPA), 2023. We always obtain explicit user consent before collecting any information and regularly review and update our privacy policy to ensure compliance and safeguard your data.
SMS Permission:
By using the Jara Cash App, you grant us permission to access SMS messages on your device. We will only collect SMS messages that are related to financial transactions (such as bank alerts, loan notifications, or payment confirmations). We do not collect or access any other personal or unrelated SMS messages.
The collected SMS data will not be shared with any third parties and will be used solely for risk assessment and analysis to help speed up your loan application process and improve your borrowing experience.
Your privacy and data security are our top priorities.
Usage of Personal Information The Personal Information collected may be used for the following purposes and as permitted by Data Protection Legislation and Applicable Law:
To identify you, register you as a user, and manage, administer, or verify your account and credit conditions.
To facilitate necessary checks before registering you as a user.
To disburse loans and collect payments for the use of the Service.
To build credit models and perform credit scoring.
To comply with Applicable Laws, regulations, and rules, such as “know-your-customer” and anti-money laundering requirements.
To communicate with you and provide information about the use of the App.
To notify you of any updates to the App or changes to the Service (including interest rates, transaction fees, etc.).
To respond to your inquiries and feedback.
To develop, test, enhance, and personalize the App to meet your needs and preferences.
To contact you by telephone using auto-dialed or pre-recorded messages or text (SMS) messages, as authorized by this Privacy Policy and the Terms and Conditions.
To analyze user activities and demographic data, including trends and usage patterns of the Service available on the App.
To send direct marketing communications and special offers or promotions.
Sharing of Personal Information By accepting this Privacy Policy, you acknowledge and agree that Jara Cash may share the information collected:
As required or authorized by Applicable Law, such as in response to regulatory inquiries, investigations, or compliance with statutory or regulatory requirements.
During any legal proceedings involving you and Jara Cash or another party concerning the Service.
During negotiations of any business transactions, such as mergers, sales of assets, or acquisitions.
With Jara Cash's employees, officers, representatives, or professional advisers who need to know the information to exercise rights or carry out obligations under the Service.
With third parties, such as Credit Reference Bureaus, Banks, Mobile Network Providers, collection agencies, agents, vendors, suppliers, contractors, partners, and others providing services to Jara Cash or performing functions on its behalf. This sharing is done for purposes related to their engagement or collaboration with Jara Cash.
With Affiliates, for purposes of providing the App, operating Jara Cash's business, or conducting data processing on behalf of Jara Cash.
When publishing usage statistics related to the App and Service, in which case all information will be aggregated and anonymized.
When necessary to comply with Applicable Law, prevent harm or financial loss, report suspected illegal activity, or investigate violations of the Terms of Use.
Storage of Personal Information Personal Information collected may be stored, transferred, or processed by third-party service providers. Jara Cash will ensure that all third-party service providers provide a level of protection that matches its commitments under this Privacy Policy.
Your Personal Information may also be stored or processed outside Nigeria by personnel who work for Jara Cash or its third-party service providers, suppliers, contractors, or Affiliates, as permitted under Applicable Law. Jara Cash will ensure that such Personal Information remains subject to a level of protection comparable to that required under Data Protection Legislation.
Security of Personal Information The confidentiality of your Personal Information is of utmost importance to Jara Cash. All reasonable efforts will be made to protect and secure your Personal Information against unauthorized access, collection, use, or disclosure, as well as against unlawful processing, accidental loss, destruction, and damage. You are responsible for maintaining the security of your account details and must notify Jara Cash of any unauthorized access or use of your account. Jara Cash is not liable for any loss or damage arising from any failure to maintain the confidentiality of your account details.
Data Retention As required by Nigerian laws, Jara Cash is obligated to retain certain records for at least seven (7) years from the date of a relevant transaction or the termination of an account. To comply with these obligations, Jara Cash will retain your personal data for a period of ten (10) years from the closure of your account. In some cases, Jara Cash may anonymize your data, in which case it may use it for legitimate purposes without further notice.
Your Rights Under Data Protection Laws Under data protection laws, you have the following rights:
(a) Request Correction: You may request the correction of any incomplete or inaccurate data held about you, though verification of the accuracy of the new data may be required. (b) Request Deletion: You may request deletion of personal data that Jara Cash has no reason to continue processing. Note that certain legal reasons may prevent Jara Cash from honoring your request. (c) Object to Processing: You may object to the processing of your data based on legitimate interests. Jara Cash may continue processing in certain cases under applicable laws. (d) Request Transfer: You may request a transfer of your personal data in a structured, machine-readable format to you or a third party. (e) Withdraw Consent: You may withdraw consent to data processing at any time; however, this may affect access to certain products or services.
External Links You are responsible for protecting your account information and password. Jara Cash is not responsible for the information you provide to unofficial links or platforms not operated by Jara Cash.
Updates to Privacy Policy Jara Cash reserves the right to amend this Privacy Policy at its discretion and will upload the modified version to the website/application. Continued use of the Services after amendments indicates your agreement to comply with the revised terms.
If you disagree with any amendments, you have the right to terminate this agreement by sending a written notice to Jara Cash seven (7) days in advance.
For any queries or concerns, please contact Jara Cash customer service.