To protect users' privacy, in accordance with Google's policies, our app no longer collects or retrieves users'Storage , contacts List, precise location, local phone numbers or multimedia permissions.
When you want to stop using and cancel your account, you can contact us through online customer service or Submit a cancellation request , and we will ask you to provide your account and relevant certificates to verify your identity; after the verification is passed, we will clear your account and related data.
Kash Kash will collect your information: Personal information,Coarse Location collection, SMS information, installed applications, Camera, Device information and other information we think is necessary to collect. The collection and use of these information will be followed in detail in Privacy Policy below.
The following Privacy Policy describes how "we", KashKash and its affiliates collect, store, use, transfer, disclose and protect your personal information.
Please read the following content carefully to understand our collection, storage, use and protection of your personal information.
By downloading the App, you confirm that you have read, understood and accepted the terms of this Privacy Policy. You also consent to the collection, use, storage, processing and disclosure of your personal information as set forth in this Privacy Policy. This Privacy Policy, together with our Terms of Use and any Additional Terms, governs your use of the Systems and Services.
This Privacy Policy includes the following:
1. Definition
2. Relevant information we collect
3. Use of personal information
4. Sharing the personal information
5. Retention of personal information
6. Access and update/correction of personal information
7. Security of your personal information
8. Changes to this Privacy Policy
9. Third Party Sites
10. Limitation of Liability
11. How to contact us
1. Definition
Unless otherwise defined, all terms used in this Privacy Policy shall have the same meaning ascribed to them in our Terms of Use).
2. Relevant information we collect
2.1 We collect certain personal information about you. We collect personal information through the form you fill out when you register and apply or provided by a third party, or when you use the application. We may collect information in various forms for various purposes, including those permitted by applicable law.
Personal information
2.1.1 When you use the application to register with us and create an account, you must provide us with certain personal information, including your name, BVN, date of birth, gender, educational background, religion, photo, physical address, electronic - Email address, employment details, marital status, emergency contacts, your phone number, SIM card details, financial and credit information (including information such as your mobile money account details, bank account details and bank verification numbers.
2.2 Information collected when you use the App or visit our website:
2.2.1 Whenever you use the App or visit our website, we may collect certain technical data about your usage, such as Internet Protocol (IP) address, previous or subsequent web page information, each visit/ The duration of the session, Internet device identity (ID) or media access control address, and information about the make, model and operating system of the device you use to access the App or our website.
2.2.2 Certain information may also be collected automatically using cookies whenever you use the App or visit our website. Cookies are small application files that are stored on your computer or mobile device. We use cookies to track user activity to enhance the user interface and experience. Most mobile devices and internet browsers support the use of cookies; however, you can adjust the settings on your mobile device or internet browser to refuse certain types of cookies or certain cookies. Your mobile device and/or browser also allows you to delete any previously stored cookies at any time. However, doing so may affect the functionality available on the app or on our website.
2.2.3 Whenever you use this application through your mobile device, we will track and collect your geographic location information in real time. In some cases, you will be prompted or asked to activate the Global Positioning System (GPS) on your mobile device so that we can provide you with a better experience using the App.
2.2.4 At the same time, you need to provide us with technical information when using this App, including the type of mobile device you are using, unique device identifier (for example, the IMEI number of your mobile device, the MAC address of your mobile device, etc. ). wireless network interface, or mobile phone number used by your mobile device), mobile network information, your mobile operating system, the type of mobile browser you use, time zone settings. We also collect information stored on your mobile device including contact lists, call logs, SMS logs, Facebook and other social media details, contact lists from other social media accounts, photos, videos or other digital content .
2.2.5 Coarse Location collection
When the application is running in the foreground, we will collect your geographic location information. While the app is in the background, we do our best to stop collecting your geolocation information, but it is still possible to collect this information unintentionally. You always have the option to temporarily disable geo-location tracking information on your mobile device. However, this may affect the functionality available on the App.
2.2.6 SMS information collection
We will collect information related to your text messages. This helps us identify the various bank accounts you may have, cash flow patterns, descriptions and transaction amounts that you as a user can help with. We carry out credit risk assessments so that we can determine your risk profile and provide you with an appropriate credit analysis. Through this process, you can obtain financing from available regulated financial entities
2.2.7 Collection of installed applications
We collect a list of metadata information of installed applications, including the application name, package name, installation time, update time, version name and version code of each installed application on your device, to assess your reputation and pass Pre-approved to enrich your profile with customized loan offers.
2.2.8 Camera
We require camera info permission in order to provide you with an easy/smooth experience and enable you to click and upload a photo of your KYC document along with other necessary documents to the app during your loan application process.
2.2.9 Device information
When you visit our Services, we collect certain information about your device, including your storage, hardware model, operating system and version, unique device identifiers, mobile network information, and information about your device's interactions with our Services information.
3. Use of personal information
We may use the personal information we collect for any of the following purposes, as well as other purposes permitted by applicable law:
3.1. identify you and register you as a user and manage, manage or verify your account and your credit status;
3.2. Establish a credit model and perform credit scoring;
3.3. Comply with applicable laws, regulations and rules, such as those related to "know your customer" and anti-money laundering requirements;
3.4. Notify you of any updates to the App or changes to the Services (including interest rates, transaction fees, etc.) available;
3.5. To process and respond to inquiries and feedback received from you;
3.6. Maintain, develop, test, enhance and personalize the App to meet your needs and preferences as a user;
3.7. Monitor and analyze user activity and demographic data, including trends and usage of services provided on the App;
3.8. To send you direct marketing communications and special offers or promotions;
3.9. Monitor whether there is a risk of fraud and reduce the possible loss of the platform;
4. Sharing the personal information
4.1. We may disclose or share your personal information with affiliated companies and other parties for any of the following purposes and other purposes permitted by applicable laws:
*where required or authorized by applicable law, for the purposes specified in that applicable law;
*We share information with third parties (including credit bureaus, banks, mobile network providers, collection agencies, our agents, suppliers, suppliers, contractors, partners and any others who provide services to us and perform functions on our behalf) persons) where your personal information is shared with, or with whom we work with), for the purpose of engaging or engaging with such third parties or for the purposes of our cooperation with such third parties, which may include allowing such third parties to introduce or To provide products or services to you, or to otherwise undertake activities, including marketing, research, analysis and product development;
*We publish statistics related to the use of the App and Services, in which case all information will be aggregated and anonymous
4.2. If the personal information disclosed or shared with other parties is not necessarily associated with you, we will use reasonable efforts to eliminate the means by which the personal information can be associated with you before disclosing or sharing such information.
4.3. Except for the circumstances specified in this Privacy Policy, we may disclose or share your personal information if we notify you in advance and we have obtained your consent to the disclosure or sharing.
5. Retention of personal information
Your personal information will only be collected for loan requirements, and the information will be stored in a server in Niger. All information or authorization will be filled in by you or authorized by you. In addition, if you do not want to use our application, or you need to suspend your authorized information for consideration, you can submit the application for revocation of authorization to us according to the contact information below.
6. Access and update/correction of personal information
6.1. You may request access to and/or correction of your personal information in our possession and control by contacting us using the details provided below.
6.2. You must ensure that the personal information you provide to us is true and up-to-date
7. Security of your personal information
The confidentiality of your personal information is important to us. We will use all reasonable efforts to protect your personal information from unauthorized access, collection, use or disclosure and against unlawful processing, accidental loss, destruction and damage or similar risks. Unfortunately, the transmission of information over the Internet is not completely secure. Although we will do our best to protect your personal information, you acknowledge that we cannot guarantee the completeness and accuracy of any personal information you transmit over the Internet, or that such personal information will not be intercepted, accessed, disclosed, altered Or destroyed by an unauthorized third party due to factors beyond our control. You are responsible for keeping your account details confidential, not sharing your password with anyone and you must maintain the security of the mobile device you use at all times.
8. Changes to this Privacy Policy
We may amend this Privacy Policy from time to time to ensure that it complies with our future developments and/or changes in legal or regulatory requirements. It is your responsibility to periodically review this Privacy Policy for the latest information on our data processing and data protection practices, and you Continued use of the App or Website, correspondence with us, or access and use of the following services to any modification of this Privacy Policy will constitute your acceptance of the modification.
9. Third Party Sites
The App and Website may contain links to websites operated by third parties. We do not control and do not accept responsibility or liability for the collection, use, maintenance, sharing or disclosure of data and information by these websites and by such third parties. Please review the terms and conditions and privacy policies of those third-party websites to learn how they collect and use your personal information.
10. Limitation of Liability
10.1 We will not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages arising from:
● your use of or reliance on the App, or your inability to access or use the App; or
● any dealings or relationships between you and any other third party, even if we have been advised of the possibility of such damages.
10.2 We will not be liable for delays or failure to perform due to causes beyond our reasonable control.
11.How to contact us
We are happy to collect voices from our customers! If you have any feedback, questions or concerns, please
Contact us according to the following ways:
• 24/7 online customer service
• Mail:maxwell20231001@gmail.com
• Office Address: CRV6+99M, 802103, Kubacha, Kaduna, Nigeria