Privacy Policy

The following Privacy Policy describes how we at FundsCredit collect, store, use, transfer, disclose and protect your personal information.

Please read the following carefully to understand our views and practices regarding your personal information and how we will treat it. 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 in the manner set out in this Privacy Policy. This Privacy Policy, together with our Terms of Use and any Additional Terms, applies to your use of the System and Services.

Personal Information We Collect

We collect certain personal information about you. The personal information we collect may be provided directly by you (for example, when you open an account to use the Services through the App, or you otherwise provide us with personal information) or by a third party, or automatically accessed when you use the App. We may collect information in various forms and for various purposes, including purposes permitted by applicable law.

When you register and create an account using the App, you must provide us with certain personal information, including your name, Ghana Card or Voter Card number, date of birth, gender, education background, photo, physical address, email address, work information, marital status, emergency contact information (including emergency contact relationship, name and contact number), your phone number.

SMS

We will only collect your financial SMS data to identify and analyze your multi-loan behavior and risks, assess whether the loan can be processed by helping to prevent fraudulent collections and monitoring the transaction details and amounts of financial and non-personal SMS. It will be used to calculate eligibility and assess customer risk. The collected data will be encrypted and transmitted to our server: https://api.fundscredits.com/, and we will not share it with third parties without user permission.

Device

We will collect specific information about your device, including but not limited to your phone number, device name, model, region and language settings, device identifier, device hardware and software information, IP address,Screen Brightness, Gyroscope, Battery Level, status, usage habits, unique device identifiers (including IMEI and serial number), Phone Count, Active Modem Count, Active SubscriptionInfo Count. This data is collected to uniquely identify the device and ensure that unauthorized devices do not act on your behalf to prevent fraud. The collected data will be encrypted and transmitted to our server:https://api.fundscredits.com/, https://jadr.fundscredits.com/, and we will not share it with third parties without user permission.

Approximate location

We will collect your location information to confirm whether your real-time location is within the service area to ensure account security. The collected data will be encrypted and transmitted to our server: https://api.fundscredits.com/, and we will not share it with third parties without user permission.

Camera

We will obtain your camera permissions so that you can take photos of your face and ID when applying for a loan so that we can authenticate your identity and prevent fraud. The collected data will be encrypted and transmitted to our server:https://api.fundscredits.com/, and we will not share it with third parties without user permission.

Photos and videos

To verify user identity information, we will obtain your photo or video permissions to upload ID photos for anti-fraud detection. The collected data will be encrypted and transmitted to our server:https://api.fundscredits.com/, and we will not share it with third parties without user permission.

Installed APP list

We will access the list of applications in your phone, and we will use this data to ensure that there are no non-Google trusted applications or virus applications installed on your phone, as these may affect the security of your funds. The collected data will be encrypted and transmitted to our server: https://api.fundscredits.com/, and we will not share it with third parties without user permission.

Storage

We need permission to store information so that you can upload photos. This permission can save the photos you take to the local phone or upload them to the server. The collected data will be encrypted and transmitted to our server: https://api.fundscredits.com/, and we will not share it with third parties without user permission.

Third-party cooperation agencies:

Due to the nature of the services we provide, we need to cooperate with many third parties (including credit reference agencies, banks, mobile network providers, collection agencies, our agents, suppliers, contractors, partners and any other person who provides services to us, performs functions on our behalf or cooperates with us), and we may receive information about you from them. In this case, we will only access your personal information for or related to the purpose of our participation in such third parties or the purpose of our cooperation with such third parties (as the case may be), provided that we have taken reasonable steps to ensure that such third parties will promise to obtain your consent from us to disclose your personal information to us in accordance with this Privacy Policy and applicable laws.

Here are the privacy policies of the third parties we work with:

Appsflyer: https://www.appsflyer.com/legal/privacy-policy/

Firebase: https://firebase.google.com/support/privacy

Google Play: https://policies.google.com/privacy

Play-Services-Location: https://policies.google.com/privacy

Use of Personal Information We Collect

We may use the personal information we collect for any of the following purposes and other purposes permitted by applicable law:

a. We may use your personal information to:

· Identify you and register you as a user and manage, administer or verify your account and your credit terms;

· Facilitate or enable any checks we deem necessary before we register you as a user;

· Make loans and charge you for using the Services;

· Build credit models and perform credit scoring;

· Comply with applicable laws, regulations and rules, including those related to “know your customer” and anti-money laundering requirements;

· Communicate with you and send you information related to the use of the Application;

· Notify you of any updates to the App or changes to the Services (including interest rates, transaction fees.);

· Process and respond to inquiries and feedback from you;

· Maintain, develop, test, enhance and personalize the App to suit your needs and preferences as a user;

· Contact you by telephone via autodialed or prerecorded calls or text (SMS) messages (as applicable) for the purposes described in this Privacy Policy and Terms of Use;

· Monitor and analyze user activity and demographic data, including trends and usage of the Services offered on the App; and

· Send you direct marketing communications and information about special offers or promotions. b. We may also use your personal information more broadly for the following purposes (although we will act reasonably in each case and will not use personal information beyond what is necessary for a specific purpose):

· Undertake relevant business processes and functions;

· Monitor the use of the application and manage, support and improve the performance efficiency, user experience and functionality of the application;

· Provide assistance with any technical difficulties or operational problems related to the application and resolve these issues;

· Generate statistical information and anonymous analytical data for the purposes of testing, research, analysis and product development;

· Prevent, detect and investigate any prohibited, illegal, unauthorized or fraudulent activities;

· Facilitate business asset transactions involving us and/or any of our affiliates (which may extend to any merger, acquisition or asset sale); and

· Enable us to fulfill our obligations under any applicable law (including but not limited to responding to regulatory inquiries, investigations or orders) and conducting audit inspections, due diligence and investigations.

Access and update/correct personal information

a. You can contact us through the customer service email to request us to access and/or correct your personal information in our possession and control. In accordance with applicable law, we reserve the right to charge an administrative fee for such requests.

b. We reserve the right to deny your request to access or correct some or all of your Personal Information in our possession or control if permitted or required by applicable law. This may include situations where the Personal Information may contain references to other individuals or where the access or correction request is for reasons we reasonably deem to be trivial, frivolous or vexatious.

Changes to this Privacy Policy

We may review and amend this Privacy Policy from time to time at our sole discretion to ensure that it remains consistent with our future developments and/or changes in legal or regulatory requirements. If we decide to amend this Privacy Policy, we will notify you of any such amendments by a general notice posted on the App and/or Website or otherwise to the email address listed in your account. You agree that it is your responsibility to review this Privacy Policy periodically for the latest information on our data processing and data protection practices and that your continued use of the App or Website, communication with us or access and use of the Services after any amendment to this Privacy Policy will constitute your acceptance of the amendments.

Acknowledgement and Consent

a. By accepting this Privacy Policy, you acknowledge that you have read and understood this Privacy Policy and accept all of its terms. In particular, you consent and allow us to collect, use, disclose, store, transfer or otherwise process your Personal Information in accordance with this Privacy Policy.

b. Where you provide us with the personal information of other individuals (e.g., the personal information of your spouse, family, friends or emergency contacts), you represent and warrant that you have obtained the consent of that individual and consent on that individual's behalf to our collection, use, disclosure and processing of their personal information.

c. You also agree and expressly authorize us to contact you and the emergency contacts you have expressly consented to verify your information, or when we are unable to contact you by other means or when we have not received payment related to the loan.

d. You may withdraw your consent to the collection, use or disclosure of your personal information in whole or in part at any time by giving us reasonable written notice at the contact information below. You may also withdraw your consent for us to send you certain communications and information through any "opt-out" or "unsubscribe" function contained in the information we send you. Depending on the circumstances and nature of the consent you are withdrawing, you must understand and acknowledge that you may no longer be able to use the Application or certain Services after withdrawing your consent. Your withdrawal of consent may result in the termination of your account or your contractual relationship with us, and all accumulated rights and obligations remain in full. After receiving notice that you have withdrawn your consent to the collection, use or disclosure of your personal information, we will inform you of the possible consequences of your withdrawal so that you can decide whether you really wish to withdraw your consent.

Limitation of Liability

We are not liable for any indirect, incidental, consequential, special, exemplary or punitive damages arising out of:

a. your use of or reliance on the App, or your inability to access or use the App; or

b. any transaction or relationship between you and any other third party, even if we have been advised of the possibility of such damages.

We are not responsible for delays or failures in performance due to causes beyond our reasonable control.

How to Contact Us

If you have any questions about this Privacy Policy, or wish to access and/or correct your personal information, please contact our customer service email:service@fundscredits.com