In accordance with the Nigeria Data Protection Act of 2023 and other pertinent legislation, we at Creditjet are committed to transparency and safeguarding your privacy. To assess your eligibility and ensure a smooth loan acceptance process, we require specific permissions to access specific data from your device. Every piece of information we gather is securely stored, moved, and used only to provide our services. Your information won't be shared with third parties without your explicit consent.

We require access to your SMS messages in order to more precisely assess your loan eligibility. This enables us to examine all of your SMS records, not just financial SMS information such sender names, transaction descriptions, and amounts, in order to determine your creditworthiness. However, we will only offer financial SMS data once it has been filtered by a system; no other data will be sent or processed. By analyzing this data, we can improve your chances of obtaining loans and expedite loan approvals.

1. Initial Access: After you authorize SMS access and confirm this permissions page, our application will first look over your SMS data. However, no data will be shared at this time. At this point, only a basic credit check is being conducted.

2. Ongoing Access: Every time you click the "Apply" button to request pre-approval, the app will gather a few thousand messages' worth of recent SMS data, up to several months' worth. Communications pertaining to financial activities will be its main focus.

3. Selective Upload: Only SMS messages with finance-related terms will be sent in for examination. Messages that have already been posted will not be submitted again in order to avoid duplication.

4. Local Storage: If you do not click the "Apply" button, your SMS data will remain on your device rather than being transferred to our servers.

Our servers store all SMS data, and industry-standard encryption ensures secure transmission. We value your privacy above all else, and we will never share your SMS information with any parties without your consent.

You may receive push notifications for important account changes, payment reminders, and special offers. You can choose to ignore these alerts without affecting how your app functions.

To avoid fraud and verify identification, we require access to two emergency contacts. You can manually insert these individuals or select them from your address book. We will only have access to the contacts you specify; we won't collect any more information from your address book without your permission. This data is securely transmitted over HTTPS and stored on our servers.

We collect device information each time you click to apply on the homepage in order to verify your identity and prevent fraud. This includes the model name, specs, and unique identifiers such as OS version, version, code, brand, model number, IMEI, serial number, isDevelopMMode, screen width, default language, age, time zone, other device environment parameters, display and brightness settings, CPU and performance details, and more. Although we only use this information for financial apps, we also get information about the apps that are installed on your smartphone. The app name, version number, installation date, last update date, and if the app is a pre-installed system app are among the details we collect. By using this information to recognize and assess potential risks, we can stop fraudulent software and safeguard the financial stability of our accounts. Importantly, if you don't click to apply on the homepage, no information will be transmitted or processed. We also don't use data from apps that don't fit into a certain financial category. All collected data is securely stored on our systems and shielded from unauthorized access.

1. ADID/GAID: We collect your Google Advertising ID (GAID) to analyze ad data and improve your advertising experience.

2. ACCESS_WIFI_STATE: We gather data about your Wi-Fi network in order to assess risk and spot potential anomalies.

3. ACCESS_NETWORK_STATE: We collect your network data, including IP address, connection status, and network type, to assess risk and avoid data loss during network disruptions.

4. Other information: simCountryIso, simOperator, networkType, macAddress, and so on.

When you use our services, we could ask you for specific personally identifying information that could be used to identify or contact you. Examples of personally identifiable information include, but are not limited to, the following:

- Telephone number

- Email address

- Name

- Gender

-Birthdate

-The ID card number

- Information for education

- Status of marriage

- Information about occupations

- Address details

- BVN (Bank Verification Number)

Permission Usage Goal: We use your mobile application list to analyze your operating environment in order to protect you against fraud and hidden virus software. Illegal software can steal your money through a viral infection. We must ascertain and evaluate your level of risk in order to process loans and help stop fraud.

We will collect the installation package's version number, app name, installation time, last update time, and package name in order to prevent unauthorized access to your personal information, specifically to prevent fraud, protect account security, and verify that you are a legitimate human user.

The collected data will be fully encrypted and securely uploaded via an HTTPS server. No other parties will receive your information without your permission.

1. Permission Usage Goal: We need access to users' approximate location data in order to safeguard user accounts and our platform. Knowing a user's approximate location allows us to identify and prevent potential offshore money laundering, unlawful access, and other violations. This permission enables us to protect our users' privacy by prohibiting us from acquiring or keeping their precise location data while protecting our services.

2. The Use of Data: When a user attempts to log in or use the service from a location different than their usual area of activity, the app can use approximate location data to identify and report unusual activity. By blocking unwanted offshore access, this helps protect user accounts from fraud and hackers.

3. How to Ensure Data Security: We promise that your SMS messages will be encrypted and transmitted via HTTPS. No other parties will receive your information without your permission.

To ensure that our service procedure is completed without a hitch, we need access to the camera on your device. With your consent, you can complete the KYC (Know Your Customer) verification process by taking images of your face and identification documents, which you can then upload directly to our website. We guarantee that we won't view or save any more images or videos on your device. It's crucial to remember that we can't take or update images without your consent.

All collected data is securely transferred to our servers using cutting-edge encryption and security protocols. No third party will have access to your data unless you specifically consent. If you decide not to apply, however, none of the data will be posted.

Your name, phone number, device model, and operating system are among the personal information we collect. We also gather address data, SMS, and device activity records. To enhance our credit assessment, we may incorporate data from credit bureaus and financial organizations. By using our services, you consent to the collection, processing, and secure storage of this data.

1. Information you directly provide to us: When you use our financial services, such as when you apply for goods and/or services, complete online forms, provide feedback, resolve disputes, or contact us regarding our financial services, we may collect and retain the information you provide. Additionally, we might retain the data generated by your transactions and activities while utilizing our services. Utilization information is automatically collected when using the service.

2. Information that we consciously collect: When you use our website, app, and related services, we collect information from your computer, smartphone, and other access devices.

How We Make Use of Your Data

Using the data we collect, we:

-Verify your identification.

- Create credit scoring models.

- Evaluate loan offers and monitor credit histories.

- Monitor collections and payment trends.

This information may be used to assess and qualify your creditworthiness, to verify your identity, to assess the degree of risk associated with your credit request, and for statistical reasons, among other uses described in the section below.

1. Companies, Affiliates, or Subsidiaries of the Creditjet Group: To develop new products, evaluate performance, undertake statistical analysis, and improve services.

2. Unrelated Third Parties (Service Providers): To assist in providing credit-related services.

3. Governmental, judicial, or administrative authorities: To comply with court orders or legal requirements.

4. Information security, risk management, or software providers: To avoid fraud and ensure security.

5. Commercial Affiliates: For marketing purposes.

By using Creditjet, you agree to the data collection, use, and sharing practices outlined in this notice. With your consent, we can provide clear, safe, and efficient lending services that are tailored to your budgetary needs.

All capitalized terms used in this Privacy Policy, unless otherwise noted, will have the same meanings as those given to them in our Terms of Use (where applicable).

The following information is collected each time you use the app or go to our website:

2.1 Every time you visit our website or use the App, cookies may be used to automatically collect specific data. Cookies are small program files stored on your mobile device or computer. To enhance the user interface and experience, we employ cookies to monitor user behavior. Although the majority of mobile devices and web browsers accept cookies, you can modify the settings on your device or browser to either reject specific cookie types or to prevent cookies from being used at all. Additionally, you would always be able to delete any previously stored cookies using your browser and/or mobile device. However, this could have an impact on the functionality of our website or application.

2.2 To use the service, the customer needs to send in their call and SMS logs, images, videos, and other digital assets. You must supply the technical specifications and unique identifiers of your mobile device, including its IMEI number, MAC address, and phone number, in addition to the mobile network, operating system, mobile browser type, and timezone preferences.

We may use the personal information we have collected for the following purposes in accordance with current laws:

3.1 Your personal information may be used for the following purposes:

3.1.1 identifying you, adding you as a user, and managing or supervising your account and credit terms;

3.1.2 We retain the right to do any necessary checks prior to registering you as a user.

3.1.3 to collect service fees and disburse the loan;

3.1.4 shall adhere to all applicable laws, regulations, and policies, including those pertaining to anti-money laundering and "know-your-customer" obligations.

3.1.5 to contact you and provide you with information regarding the application;

3.1.6 to inform you of any modifications to the service or updates to the app;

3.1.7 to address and resolve the queries and remarks you have submitted;

3.1.8 to enhance, test, update, and modify the application to suit your user requirements and preferences;

3.1.9 To call you using pre-recorded or auto-dialed messages, or text messages (SMS), if applicable, in order to accomplish the goals specified in this Privacy Policy and the Terms of Use;

3.1.10 to gather and analyze demographic and user data, including patterns and trends in the way the application uses its services; and

3.1.11 to send you direct marketing messages that highlight information about special offers and incentives.

3.2 In addition, we may use your personal information for the following general objectives, even though we pledge to act responsibly and use no more personal information than is required for the specific purpose in each case:

3.2.1 to execute pertinent business operations and protocols;

3.2.2 monitoring the use of the application and managing, maintaining, and enhancing its usability, performance, and usefulness;

3.2.3 to address and resolve any issues or malfunctions related to the application's functionality;

3.2.4 generating anonymized statistics data and analytics data for use in testing, analysis, and research throughout the product development process;

3.2.5 to investigate, uncover, and put an end to any unlawful, dishonest, prohibited, or disapproved action;

3.2.6 to support business asset transactions, including asset sales, mergers, and acquisitions, for us and/or any of our Affiliates; and

3.2.7 In addition to carrying out regulatory inquiries, investigations, and directives, we must fulfill our obligations in accordance with all applicable laws. This include doing audit assessments, due diligence, and investigations.

4.1 We reserve the right to share or disclose your personal information with Affiliates and other parties for any of the following reasons, as well as for any other purposes permitted by applicable law, including the Nigeria Data Protection Act, 2023. However, we will always act responsibly and share or divulge no more personal information than is necessary for the intended purpose:

4.1.1 in accordance with the terms of the applicable law, for the objectives specified therein (including but not limited to responding to regulatory inquiries, investigations, or directives and fulfilling statutory or regulatory filing and reporting requirements);

4.1.2 for the purposes of any lawsuit involving the Service and involving you, us, or another individual;

4.1.3 while negotiations are underway for any merger, consolidation, reorganization, financing, transfer of company assets, or acquisition of all or a portion of our business by or into another company, even if the deal is not ultimately completed;

4.1.4 when we disclose your Personal Information to third parties (banks, mobile network providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and any other people who work for us, carry out tasks on our behalf, or are involved in our business) to enable their engagement or our collaboration with them (as applicable). This may mean granting third parties permission to market or sell your products or services, as well as to carry out research, evaluate, and manufacture products on your behalf.

4.1.5 We will not give Affiliates access to personal information unless they are processing data on our behalf, are necessary to assist us in operating our business, or providing the App (including direct marketing if you have subscribed to our mailing list). We are dedicated to ensuring that each of our Affiliates manages the Personal Information we provide them in accordance with this Privacy Policy and all applicable legal requirements.

4.1.6 If we disclose usage data for the App and the Service, all data will be combined and anonymized.

4.1.7 If we are convinced that disclosing your personal information is required to keep you or others safe, to report suspected criminal activity, to investigate potential violations of our terms of service, or to stay in accordance with the law;

4.2 If it is not necessary, we will take all reasonable measures to eliminate any way that the information can be personally connected to you before disclosing or exchanging Personal Information with third parties.

4.3 Beyond the scope of this privacy statement, we may disclose or share your personal information with third parties with your permission and prior notice.

While you are using any of our services, your personal information may be sent, stored, used, and processed in a jurisdiction that is different from your home country or the jurisdiction of the country, state, or city in which you are currently located ("Alternate Country"). Information may also be transmitted to servers, service providers, and colleagues of Our group, as well as to businesses affiliated with Our group that are situated outside of your place of residence or another country.

Should such a situation emerge, we would make sure that the relevant personal data is safeguarded to the extent required by Nigerian law (and, in any case, in accordance with our obligations under this Privacy Policy).

By completing this document, you consent to the transfer of your personal data in the ways listed below, regardless of whether the transfer occurs in your country of residence.

Your personal data will be retained for as long as necessary to fulfill the purpose for which it was collected or as long as permitted by the applicable laws. As soon as it is reasonable to believe that the purpose for which the Personal Information was collected is no longer being served by its retention and that it is no longer necessary for legal or business purposes, we shall cease to preserve it or remove the mechanisms by which it can be linked to you.

7.1 You can use the information below to request access to and/or correction of your personal information that is under our control. We have the right to impose an administrative fee if the requests meet all applicable legal criteria.

7.2 We reserve the right to deny requests for access to or correction of any or all of your personal information that is under our control, if mandated or permitted by law. This could include when someone asks for access or a modification for reasons we think are needless, inconvenient, or unnecessary, or when references to other persons are included in the Personal Information.

8.1 Third-party service providers may process, transmit, or store the personal information we receive from you. Every attempt will be taken to guarantee that the privacy policies described in this policy are adhered to by all third-party service providers.

8.2 Our foreign employees, affiliates, contractors, third-party suppliers, and service providers may retain or handle your personal information outside of your nation, to the extent permitted by applicable law. If this occurs, we guarantee that the pertinent Personal Information will be safeguarded to the extent permitted by the laws of your country (and, in any case, in accordance with our obligations under this Privacy Policy).

Protecting the privacy of your personal data is our top priority. To the best of our ability, we will safeguard your personal information from unauthorized access, acquisition, use, or disclosure, as well as from unintentional loss, erasure, or damage. Regretfully, it is impossible to ensure the security of any data transmitted via the Internet. We cannot guarantee that any personal information you provide over the Internet will remain accurate and up-to-date, or that unauthorized parties won't intercept, access, disclose, alter, or delete it, even with our best security measures. We hope you have received this. This is the result of external factors. You are responsible for safeguarding the privacy of your account information, ensuring the security of your mobile device, and preventing password breaches.

We reserve the right to periodically review and update this privacy statement to ensure it accurately reflects our current practices and any modifications brought about by evolving legal or regulatory requirements. We will either send you an email at the address you provided in your account or post a general notice on the App and/or Website if we decide to alter this privacy statement. You are aware that it is your responsibility to regularly review our Privacy Policy for the most up-to-date information on our security and data processing practices. If you continue to use the App or Website, contact us, or access and use the Service after the changes to this Privacy Policy take effect, you will be considered to have accepted them.

If there are any discrepancies between the English and other language versions of this privacy statement, the English version will be applied.

12.1 By adopting the Privacy Policy, you attest that you have read, comprehend, and agree to all of its terms. By signing this document, you consent to the collection, use, disclosure, storage, transfer, and processing of your personal information in accordance with the terms of this privacy policy.

12.2 If you provide us with personal information about other people, such as your spouse, family, friends, or emergency contact, you affirm and guarantee that you have their consent and that you hereby give us permission to collect, use, disclose, and process that information on their behalf.

12.3 Additionally, if we are unable to contact you through other methods or if your loan payment has not been received, you expressly authorize us to call you and your emergency contact (if they have granted us permission) to verify your information.

12.4 You may at any time provide us a reasonable written notice to revoke your consent to the collection, use, or dissemination of your personal information by contacting us using the details below. Additionally, you can revoke your consent for us to send you specific communications and information by using the "unsubscribe" or "opt-out" option detailed in our correspondence with you. You acknowledge and accept that you may not be able to use the App or certain aspects of the Service following the withdrawal, depending on the specific circumstances and the type of permission you are withdrawing. If you withdraw your consent, all accumulated rights and obligations will be fully reserved, and your account and our commercial relationship may be terminated. As soon as we receive your communication expressing your want to revoke your consent for the collection, use, or disclosure of your personal data, we will promptly inform you of the potential repercussions. You will then be given the opportunity to choose whether or not to revoke your consent.

13.1 We may send you marketing and promotional communications by mail, phone, short message service (SMS), email, online messaging, or push notifications through the App to inform you of special offers, promotions, or events that we, our partners, sponsors, or advertisers are hosting or organizing, or to provide you with updates on our App and/or the products and services that are available on it.

13.2 You can opt out of receiving these marketing messages going forward by clicking the "unsubscribe" link in the relevant message or by contacting us using the information below. We may continue send you non-promotional notifications regarding your account or the app, loan disbursement or repayment receipts, and other information even if you opt out.

14.1 Links to third-party websites may be included in the app and website. We cannot be held responsible for how these third parties collect, use, preserve, distribute, or reveal data and information because we have no control over these websites. To find out how these third-party websites collect and use your personal information, please read their terms and conditions and privacy policies.

14.2 The advertisements on our app or website contain links to the advertiser's website. As a result, the advertiser will collect and utilize any information it receives from your click on the link in accordance with its privacy statement.

We do not cover indirect, incidental, consequential, extraordinary, exemplary, or punitive damages brought on by the following:

15.1 Your reliance on and use of the program, or your inability to access or utilize it; or

15.2 Any transaction or correspondence you have with any other third party, even if we have been informed that such losses may occur.

We will not be held accountable for any delays or nonperformance brought on by circumstances beyond our reasonable control.

Please contact our data protection officer at chinedu.okafor@creditjet-nigeria.com with any inquiries you may have regarding our privacy statement. You will be able to see and modify your personal information.