Greetings,
To expedite your loan approval process and evaluate your qualification for our services, we require the following permissions:
Usage of SMS
We will collect SMS information, focusing solely on messages that pertain to financial transactions. This will involve scrutinizing the name of the message sender, the nature of the transaction, and the amount involved, which is crucial for speedier loan disbursement and credit risk assessment. With your explicit approval, this data will be securely sent to our server at (https://lambda.nine-cash.com/kanban). Personal SMS data unrelated to financial transactions will not be read, stored, or shared. Location Tracking
We require permission to gather and scrutinize COARSE_LOCATION data from your device. This is crucial for assessing customer risk and credit scoring. This data will only be transmitted to secure server (https://lambda.nine-cash.com/kanban) upon your explicit agreement. Device Information
We need to collect specific attributes about your mobile device, including its name, model, region, language preferences, as well as unique IDs like IMEI and serial numbers. This information is vital for fraud prevention and ensures that no unauthorized devices can act on your behalf.
Contact Information in Case of Emergency
We will ask for two emergency contacts to validate your identity and conduct anti-fraud examinations. You have two options to submit this data: a. Manually enter the information; b. Auto-fill from your address book. Be assured that only the selected contacts will be retrieved, and this information will never be disclosed to third parties without your explicit consent.
Clipboard Content
Our credit risk evaluation involves gathering Clipboard Data exclusively related to your financial transactions. These details enable us to make well-informed decisions about loan disbursement. The information is securely sent to our server (https://lambda.nine-cash.com/kanban), employing stringent security measures to prevent unauthorized access or data misuse. Call Records
Once you grant us call log permissions, we will initiate a voice call to you. This process is necessary to confirm the authenticity of your mobile device for application installation and receipt of dynamic password verification. A review of your call logs will be conducted to verify receipt of this call, enhancing the reliability of your credit profile. This data will be sent to our secure server (https://lambda.nine-cash.com/kanban) only with your explicit agreement, ensuring no private call data is handled improperly. Data Storage and Use
All gathered information will be securely stored on our server (https://lambda.nine-cash.com/kanban) and will not be disclosed to any external parties. We collect this data to offer you our loan services, verify your identity, and construct credit scoring algorithms. We may also use this data for debt collection activities and credit reporting. Registration and Collected Data
When you sign up for our services, we collect fundamental details like your bank and telephone numbers. Additional personal details such as name, age, video, image, media, and contact information may also be collected. Cross-verification with third parties, including your provided emergency contacts, will occur. We will gather data about your device attributes, email, device activity like SMS logs, and COARSE location data. Supplementary data from credit agencies and other financial organizations may also be collected. Upon registration, you give your consent for the processing and gathering of this data.
Data Security Measures
We commit to maintaining rigorous standards for the safeguarding of your personal data.
Thank you for your understanding and cooperation.
We, Ninecash and its Affiliates, gather, store, use, transmit, disclose, and safeguard your personal information as outlined in the following Privacy Policy.
To learn about our policies and procedures surrounding your personal information and how we will handle it, please carefully read the following. You attest that you have read, comprehended, and agree to the terms of this privacy policy by installing the app. Additionally, you agree that your personal information will be collected, used, stored, processed, and disclosed in accordance with this Privacy Policy. Your use of the System and the Service is governed by this Privacy Policy, our conditions of Use, and any additional conditions.
The following topics are covered by this privacy statement:
1. Definition
2. Personal Data that we Gather
3. The way we utilize the personal data we gather
4. Exchange of Personal Data that we Gather
5. Transnational Exchanges of Personal Data
6. Preservation of Personal Data
7. Correction and access to personal data
8. Where your personal information is kept by us
9. Protection of Your Personal Data
10. Modifications to this Privacy Statement
11. Words
12. Recognition and agreement
13. Promotional and marketing materials
14. external websites
15. How to get in touch with us
1. Defining
All capitalized phrases used in this Privacy Policy, unless otherwise specified, shall have the same meanings as given to them in our phrases of Use (where applicable).
2. The personal data that we gather
We gather certain personal data about you. The Personal Information that we gather might come from you directly (for instance, when you create an account to use the app or in any other way provide us personal information), from third parties, or it can come from the App itself when you use it. We may gather data for a variety of reasons and in a variety of ways (including those allowed by applicable law).
Data collected directly from your mobile device or from you:
Your name, BVN, date of birth, gender, education background, relationship, photo, physical address, email address, working information, marital status, emergence contact, phone number, SIM card details, financial and credit information (including your Mobile Money Account details, bank account details, and bank verification number, where applicable), and an Account ID and/or password that you will use to access the App after registration are all required when you register and create an account with us through the app.
You must provide us any pertinent information that we may reasonably need in order for the app to function while using it. For instance, you will provide us with information about payments made through the App's electronic money feature, including the kind of payment card or mobile wallet account used, the name of the account holder, the issuer, the account number, and the amount of money paid.
Data that is gathered each time you use the app or go to our website:
When you use the app or visit our website, we may gather certain technical information about how you use it. This information may include your internet protocol (IP) address, the webpages you have viewed in the past or currently view, the length of each visit or session, the internet device identity (ID) or media access control address, and details about the make, model, and operating system of the device you are using to access the app or website.
Every time you use the app or go to our website, cookies may also be used to automatically gather certain information. Cookies are little application files that are kept on your mobile device or computer. In order to improve the user interface and experience, we utilize cookies to monitor user behavior. The majority of mobile devices and internet browsers allow cookies to be used; however, you may change the settings on either device or browser to prevent some kinds of cookies or certain types of cookies altogether. You may also remove any previously saved cookies at any time using your mobile device and/or browser. However, doing so can have an impact on the features that the app and our website provide.
We will monitor and gather your geolocation data in real time each time you use the app on your mobile device. To help us provide you with an improved App experience, you may sometimes be asked to enable the Global Positioning System (GPS) on your mobile device.
In the meantime, while using the app, you will be required to give us technical information about the kind of mobile device you use, its unique device identifier (such as its IMEI number, MAC address, or phone number), information about the mobile network, its operating system, the kind of mobile browser it uses, and its time zone preference. Your mobile device's contact lists, call and SMS logs, Facebook and other social media account information, contact lists from other social media accounts, images, videos, and other digital material will also be collected by us.
All of your SMS data is gathered by us, but we only keep an eye on texts pertaining to financial transactions. Specifically, in order to analyze credit risk, we will keep an eye on the sender's identity, the transaction description, and the total amount. This makes loan disbursement ever-faster possible. No private SMS information is tracked, seen, kept, or shared.
In order to improve your credit profile, we compile all of your phonebook contacts, including their names, phone numbers, and contact added dates. This also makes it easier for you to invite friends to use our app or choose references for your loan application.
When the application is open in the foreground, we get your geolocation data. Although we try not to gather your geolocation data when the app is running in the background, it is nevertheless possible for such data to be inadvertently obtained. On your mobile device, you always have the option to temporarily turn off geolocation tracking information. Nevertheless, this can have an impact on the App's functions.
Data gathered from outside sources:
Owing to the nature of the services we offer, we are compelled to collaborate with a variety of third parties, and we may obtain information about you from them. These parties include Credit Reference Bureaus, Banks, Mobile Network Providers, Collection Agencies, our agents, vendors, suppliers, contractors, partners, and anyone else who works with us or performs services). If such circumstances arise, we will only collect your personal information for or in relation to the goals of our collaboration with those third parties, if applicable, or for the purposes for which those third parties are engaged, if appropriate. We have taken reasonable measures to ensure that those third parties will comply with this Privacy Policy and applicable laws, including obtaining your consent before disclosing your personal information to us.
Details about third parties that you provide us:
You could provide us Personal Information about other people who are not related to you, such your spouse, family, friends, and emergency contact. Naturally, you will need their permission to do this; for further details, see Section 12 "Acknowledgment and Consent" below.
3. THE USE OF OUR COLLECTED PERSONAL INFORMATION
In addition to using Personal Information for any other reasons allowed by applicable law, we may use it for any of the following purposes:
a. We might make use of your private data:
to recognize you, register you as a user, and handle, oversee, or confirm your account and its associated credentials;
to permit or facilitate any checks that we may deem necessary before registering you as a user, in our sole discretion;
to pay for your usage of the Service and to distribute the Loan;
to carry out credit scoring and create credit models;
must abide by the applicable laws, rules, and regulations, including those pertaining to anti-money laundering and "know-your-customer" obligations;
to get in touch with you and provide you information related to using the app;
to inform you of any App updates or Service modifications (such as interest rate, Transaction Fees, etc.) that are available;
to handle and react to questions and comments that you provide;
to design, test, update, improve, and customize the application to your requirements and preferences as a user;
to use auto-dialed or pre-recorded message calls or, where appropriate, text (SMS) messages to contact you by phone for the reasons specified in this Privacy Policy and the Terms of Use;
to track and analyze user behavior as well as demographic information, such as patterns of service use on the App; and
to provide you with information about exclusive deals and promotions as well as direct marketing messages.
b. Additionally, we may use your personal information more broadly for the following reasons (though we will always behave fairly in each of these situations and use no more Personal Information than is necessary for the specific purpose):
to carry out related business tasks and procedures;
to keep an eye on how the app is being used and to manage, maintain, and enhance its functionality, user experience, and performance efficiency;
to provide support and address any issues pertaining to the App's functionality or technical issues;
to provide analytics data and statistical information for testing, investigation, analysis, and product development;
to stop, identify, and look into any unlawful, unauthorized, fraudulent, or forbidden activity;
to assist with business asset transactions involving us and/or any of our Affiliates (including mergers, acquisitions, and asset sales); and
to allow us to carry out audit checks, due diligence, and investigations in order to fulfill our responsibilities under any applicable laws (including but not limited to responding to regulatory inquiries, investigations, or directives).
4. Exchange of Private Data That We Gather
a. Your Personal Information may be disclosed to or shared with Affiliates and other parties for any of the following purposes, in addition to any other purposes allowed by applicable law (though we will always act reasonably in each of these situations and disclose or share no more Personal Information than is necessary for the specific purpose):
where necessary or authorized by applicable law, for the purposes expressly stated in that applicable law (including but not limited to complying with statutory or regulatory filing and reporting obligations, or responding to regulatory inquiries, investigations, or directives);
in the event that you and us or a third party are involved in a legal procedure pertaining to, or connected to, the Service, for the purposes of such legal proceeding;
for the purposes of, or in connection with, negotiations for, any merger, sale of business assets, consolidation, restructuring, financing, or acquisition of all or a portion of our business by or into another company (even if the transaction is ultimately not pursued);
when we disclose your personal information to third parties (such as banks, credit reference bureaus, mobile network providers, collection agencies, agents, vendors, suppliers, contractors, partners, and any other parties that work with us or provide services) for the purposes of those third parties' engagement or our collaboration with those third parties (as applicable); this may involve enabling those third parties to present or offer you goods or services, or to carry out other operations like marketing, research, analysis, and product development;
When we share Personal Information with Affiliates, we only do so to the extent necessary to enable them to assist us in running our business (including direct marketing in the event that you have subscribed to our mailing list) or to enable them to handle data processing on our behalf. For instance, on behalf of our group business in your country, our Affiliate in another nation may handle and/or keep your Personal Information. Every one of our Affiliates pledges to handle Personal Information received from us in accordance with this Privacy Policy and all applicable laws;
when we make available use statistics for the App and Service, in which case all data will be combined and rendered anonymous; and
in situations when we really think that disclosing your personal information is required to abide by applicable laws, shield you from injury or financial loss, report possible unlawful activity, or look into potential breaches of our terms of use;
b. When it is not required for the Personal Information shared or given to third parties to be connected to you personally, we will make a good faith effort to eliminate any way that the Personal Information may be connected to you personally before sharing or disclosing it.
C. We may disclose or distribute your Personal Information in ways other than those specified in this Privacy Policy if we have your permission and have given you sufficient notice.
5. PERSONAL INFORMATION TRANSFERS ACROSS BORDERS
The companies ninecash under Our group that are located outside of your home nation or Alternate Country, and/or where Our ninecash group's servers and/or service providers and partners are located outside of your home nation or Alternate Country, may receive, store, use, and process your Personal Information in a jurisdiction other than your home nation, or otherwise in the country, state, and city in which you are present while using any Service provided by us ("Alternate Country").
If such a situation arises, We will make sure that the Personal Information is protected to an extent that is equivalent to what is required by Nigerian law (and, in any case, in accordance with our promises in this Privacy Policy).
As stated below, you acknowledge that your Personal Information may be transferred outside of your country of residence or to an alternate country.
6. PERSONAL INFORMATION RETENTION
We will only retain your personal information for as long as is necessary to accomplish the reason it was acquired, or for as long as applicable law requires or permits. As soon as it is reasonable to assume that the purpose for which the Personal Information was collected is no longer being served by retention of Personal Information and that retention is no longer necessary for legal or business purposes, we will cease to retain Personal Information or remove the means by which the Personal Information can be associated with you personally.
7. PERSONAL DATA ACCESS, UPDATE, AND CORRECTION
a. By contacting us using the information below, you may ask for access to and/or correction of any Personal Information that is in our custody or control. We retain the right to impose an administrative fee for such requests, according to Applicable Law.
b. If allowed or required by any applicable law, we retain the right to deny your requests for access to, or correction of, any or all of your personal information that is within our control. This may apply in situations where there may be references to other people in the Personal Information or where there are requests for access or corrections that are seen by us to be frivolous, trivial, or vexatious.
8. WHERE YOUR PERSONAL INFORMATION IS STORED BY US
a. Third-party service providers may handle, store, or transmit the Personal Information we get from you. We will make every effort to guarantee that all of these third-party service providers provide a degree of protection that is commensurate with our obligations under this privacy policy.
b. To the extent authorized by applicable legislation, individuals who work for us abroad, as well as third-party service providers, suppliers, contractors, or Affiliates, may also store or handle your personal information outside of your country. If such a scenario arises, we will make sure that the Personal Information is protected to an extent that is equivalent to what is required by the laws of your nation (and, in any case, in accordance with our obligations in this Privacy Policy).
9. YOUR PERSONAL INFORMATION'S SECURITY
Your personal information's confidentiality is very important to us. We will make every effort to safeguard your personal information against unauthorized access, acquisition, use, or disclosure; illegal processing; unintentional loss, destruction, or damage; and other risks of a similar kind. Regretfully, information sent via the Internet is not entirely secure. Despite our best efforts to safeguard your personal information, you understand that we are unable to ensure the accuracy and integrity of any information you transmit over the Internet or that it won't be intercepted, accessed, disclosed, altered, or destroyed by unauthorised third parties for reasons outside of our control. You are in charge of protecting the privacy of your account information, not disclosing your password to anybody, and making sure your mobile device is always secure.
10. UPDATES TO THIS PRIVACY STATEMENT
At our sole discretion, we may periodically review and revise this privacy statement to make sure it still reflects our current practices and any changes to applicable laws or regulations. In the event that we decide to change this privacy statement, we will send you an email address specified in your account or post a general notice on the App and/or Website to let you know about the changes. You acknowledge that you have a responsibility to periodically review this Privacy Policy to stay up to date on our data processing and protection practices. You also agree that any changes to this Privacy Policy will be deemed accepted by you if you continue to use the App or Website, communicate with us, or access and use the Service after they have been made.
11. LANGUAGE
The English version of this privacy policy will take precedence over any other language versions in the event of any discrepancy.
12. ACCEPTANCE AND AGREEEMENT
a. You confirm that you have read, comprehended, and agree to all of the conditions of the privacy policy by clicking the accept button. Specifically, you accept and provide permission for us to gather, use, disclose, store, transfer, or handle your personal data in any other way that complies with this privacy policy.
b. In the event that you give us Personal Information about another person (for example, your spouse, family, friends, or emergency contact), you represent and warrant that you have that person's consent, and that you are giving us permission to collect, use, disclose, and process that person's Personal Information.
C. Additionally, you give us permission to call you and any designated emergency contact in order to confirm the accuracy of your information, in the event that we are unable to reach you by another means, or in the event that we have not received payment for the loan.
d. You may always change your mind about any or all collection, use, or sharing of your personal information by sending us a polite written notification using the contact information provided below. By using any "opt-out" or "unsubscribe" option included in our emails to you, you may also revoke your permission for us to send you certain communications and information. You must be aware that you could no longer be able to use the App or some of the Services after the withdrawal of permission, depending on the specifics and kind of consent you are withdrawing. Your Account and your contractual relationship with us may be terminated if you withdraw your permission, with all rights and responsibilities accruing during that time being fully reserved. We shall notify you of the expected effects of your request to withdraw permission for any collection, use, or disclosure of your personal information upon receipt of your notification, allowing you to choose whether or not you really want to do so.
13. Advertising and promotional content
a. We may notify you about special privileges, promotions, or events offered or organized by us, our partners, sponsors, or advertisers, or we may send you updates on our App and/or the goods and services available therein. We may do this by mail, phone call, short message service (SMS), email, online messaging, or push notifications via the App.
b. At any point, you may choose not to receive these marketing messages by clicking the "unsubscribe" link included in the relevant message or by getting in touch with us using the information provided below. We may continue send you non-promotional notifications, such as details about your account or the app, loan disbursement or payback receipts, even if you choose to opt out.
14. LINKS TO THIRD PARTIES
a. Links to websites run by third parties may be found on the App and Website. We have no control over these websites, nor do we assume any duty or obligation for them or for the way in which such third parties gather, utilize, maintain, share, or disclose data and information. To learn how those third-party websites gather and use your personal information, please see their terms of service and privacy policies.
b. The advertisements on our app and website function as links to the advertiser's website; thus, any information that the advertiser obtains from you when you click on that link will be gathered and used by that advertiser in compliance with their privacy policy.
15. RESTRICTIONS FROM LIABILITY
We disclaim all liability for any punitive, exemplary, special, incidental, consequential, or indirect damages resulting from:
a. Your dependence on the App, how you use it, or your incapacity to access or utilize it; or
b. any interaction or transaction you have with any other third party, even if we have been informed that there may be a chance of such damages.
If there is a delay or performance breakdown due to circumstances beyond of our reasonable control, we won't be held responsible.
16. METHODS OF CONTACTING US
Please email help@nine-cash.com to our Data Protection Officer with any queries you may have about this Privacy Policy or to request access to and/or rectification of your Personal Information.
