This page informs you about our policy regarding the collection, use and disclosure of personal data when using our Service and the options that you have associated with this data.
This privacy policy applies to the smart.money.toolkit application (hereinafter referred to as the "Application"), created by the developer Ayodele Owoade (hereinafter referred to as the "Service Provider") as a free service.
Definitions of terms
The following terms are used in this Privacy Policy:
"Personal data" means any information relating directly or indirectly to a specific or identifiable natural person (personal data subject).
"Personal data processing" means any action (operation) or set of actions (operations) performed with or without the use of automation tools with personal data, including collection, recording, systematization, accumulation, storage, clarification (updating, modification), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, and destruction of personal data.
"Confidentiality of personal data" is a mandatory requirement for a Service Provider or other person who has access to personal data to prevent their dissemination without the consent of the personal data subject or other legitimate grounds.
"IP address" is a unique network address of a node in a computer network built using the IP protocol.
General provisions
The User's use of the application means acceptance of this Privacy Policy and the terms of processing of the User's personal data.
In case of disagreement with the terms of the Privacy Policy, the User must stop using the application.
This Privacy Policy applies only to the smart.money.toolkit Application. The Service Provider does not control and is not responsible for third-party sites to which the User can click on links.
The Policy contains a description of:
the purposes of processing the User's personal data;
the procedure for processing personal data;
the rights and obligations of personal data subjects.
The service provider processes (including the collection, recording, systematization, accumulation, storage, use, transfer (provision, access), deletion, destruction) of user data.
Collection and use of information
The app collects information when you download and use it. This information may include information such as:
The Internet protocol address of your device (for example, the IP address)
The Application pages that you visit, the time and date of your visit, the time spent on these pages
Time spent on application submission
The operating system that you use on your mobile device
Data transmission
In order to provide loans through the Application, your data can be shared with partners - credit institutions and microfinance companies. The transfer of data is limited only to the information that is necessary for the provision of services. The Partners are required to ensure the confidentiality of the data in accordance with applicable law.
The following user data is transmitted by the service provider:
user name;
email address;
phone number;
actions performed on the website;
device IDs or other identifiers.
Purposes of collecting user's personal information
The service provider processes user data in order to:
prevent fraud and improve security;
account management and user identification;
personalization of services;
service quality analytics;
improve the quality, content, and promotion of services.
The Service Provider uses information, including location information, to provide features such as personalized content, relevant recommendations, and services based on the User's location and country. For Analytics and improvements: Aggregated and anonymized data helps the Service Provider analyze user behavior, identify trends, and improve overall application performance and functionality.
From time to time, the Service Provider may transfer anonymized location data to external services. These services help him improve the application and optimize his offers.
The service provider collects and transmits data in order to provide information about various loan and service offers, as well as to improve the quality of the information provided. This includes the collection and use of Users' personal information such as name, contact information, location data (if authorized by the User), as well as query history and other necessary data for the provision of services. Providing such information allows the Service Provider to personalize loan offers, analyze usage trends, and evaluate the effectiveness of advertising. All this is aimed at improving the User experience, ensuring data security and protecting their interests. The service provider may use the information you provide to contact you from time to time to provide important information, necessary notifications, and marketing promotions.
Disclosure of data
The Service Provider may disclose information provided by the User and automatically collected:
in accordance with the requirements of the law, for example, in accordance with a subpoena or similar judicial process.;
when they believe in good faith that disclosure is necessary to protect their rights, your safety or that of others, investigate fraud, or respond to a government request.;
With their trusted service providers who work on their behalf, they cannot independently use the information we disclose to them, and have agreed to comply with the rules set out in this privacy statement.
The right to refuse
The Service Provider will store the data provided by the User for as long as you use the Application, and for a reasonable period of time thereafter. If you want them to delete the user-provided data that you provided through the App, please contact them by email and they will respond within a reasonable time. User data is collected and processed in a secure manner, including using modern encryption methods. The user has the right to refuse to collect information. You can easily stop the App from collecting information by deleting it. You can also request the deletion of personal data. To delete your personal data, please contact the specified email address: dimarbivou666@gmail.com with the subject of the letter: Personal data
Safety
The service provider takes care of maintaining the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect the information that the Service Provider processes and stores. The service provider takes the necessary organizational and technical measures to protect personal and confidential user data from unauthorized or accidental access, destruction, modification, blocking, copying, distribution, as well as from other illegal actions of third parties. Ensuring the security of user data is achieved by applying organizational and technical measures. All personal and confidential user data is processed in a secure manner, including using modern encryption methods, such as HTTPS protocol.
The service provider does not sell user data, that is, it does not transfer user data to third parties in order to generate monetary income.
User data is depersonalized and does not contain personal or other data related in one way or another to the user's identity.
Children
The Service Provider does not use the App to knowingly request data from children under the age of 18 or to distribute it on the market.
The app is not intended for people under the age of 18. The service provider does not knowingly collect personally identifiable information about children under the age of 18. If the Service Provider discovers that a child under the age of 18 has provided personal information, the Service Provider will immediately delete it from its servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact the Service Provider (by email) so that they can take the necessary action.
Changes
This Privacy Policy may be updated from time to time for any reason. The Service provider will notify you of any changes to the Privacy Policy by updating this page with the new Privacy Policy. We recommend that you review this Privacy Policy regularly for any changes, as continued use is considered acceptance of all changes.
This Privacy Policy is effective from 2025-01-31.
Your consent
By using the App, you consent to the processing of your information as specified in this Privacy Policy currently and as amended by us.
Contact us
If you have any questions about privacy when using the App or about practices, please contact the service provider by email at dimarbivou666@gmail.com .