Urgent Money Privacy Statement

This Privacy Statement is made by De Fintek Nigeria Investment Limited (hereinafter referred to as "we" or "the Company") and applies to your use of the Urgent Money application (hereinafter referred to as the "App"). We are fully aware of the importance of protecting user privacy and are committed to ensuring the security of your personal information. This Agreement will explain to you how we collect, use, store and share your personal information, as well as your rights in terms of personal information protection. Please read this Privacy Statement carefully before using this App. If you use this App, you will be deemed to have fully understood and agreed to all of this Agreement.

I. Scope of Application

This Privacy Statement applies to our collection, processing and protection of user personal information during the use of the Urgent Money App.

This Agreement does not apply to the collection, use and processing of your personal information by third parties when you are redirected to third-party services through links in this App. For third-party services, you should follow their own privacy policies.

II. Collection of Personal Information

We only collect personal information necessary to provide loan services and related functions, as follows:

Personal information permissions：

Content obtained: We only collect key data such as name, ID number, contact information, bank card information, etc. that you actively fill in during the loan application process.

Purpose: This information is mainly used for strict identity verification to confirm that your identity is real and valid and meets the basic conditions for loan application. At the same time, we will conduct a comprehensive assessment based on your personal information to accurately match the most suitable loan plan for you. After the loan is issued, we will also use this information to provide you with timely and accurate repayment reminder services.

Protection measures: We use advanced encryption technology to store your personal information to protect your information security from multiple levels. The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

Location Permissions

Content obtained: The APP will obtain the fuzzy location information of your device, such as latitude and longitude, GPS, etc.

Purpose: By obtaining your location, we can accurately determine your location and push loan products and services that are in line with local policies and market environment. In addition, in key links such as risk assessment and post-loan management, location information can help us determine the authenticity and security of transactions.

Protection measures: The APP will only obtain location information when you use specific location-related service functions, and will never use it for any unrelated purposes.The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

Camera Permissions:

Access: The APP will call the camera function of your device.

Purpose: Mainly used to take photos of important documents such as ID cards to help you quickly complete the submission of loan application materials. In some scenarios where security verification needs to be strengthened, camera permissions will also be used for face recognition authentication to further strengthen the account security line and ensure the authenticity of transactions.

Protection measures: Camera permissions will only be called when you actively initiate related operations. The photos taken are only used in the loan application process, and there is no risk of leakage or misappropriation.The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

Calendar permissions:

Access content: The APP will read the schedule information in your device calendar.

Purpose: With your authorization, we will tailor a personalized repayment reminder service for you based on your calendar schedule to avoid overdue fees due to forgotten repayment dates and help you better plan your loan repayment plan.

Protection measures: We only read the calendar information you allow access to and will not modify or abuse your calendar data.The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

App list permission

Get content: APP will get the list of applications actively installed on the user's device.

Purpose: By analyzing the list of applications actively installed on the user's device, identify whether there are dangerous applications and jailbroken applications on the user's device, which may put the user's funds at risk.

Protection measures: We will anonymize the application list information and will never disclose the user's specific installed application names and other private information. The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

SMS permission

In response to Google's new SMS permission policy, we have re-screened SMS access and only obtained financial-related information. This information will be used to evaluate the user's financial status, and the loan AI approval model will grant corresponding loan products and personal credit limits based on the user's financial activities. In order to ensure that the applicant is a real user and prevent loan fraud, this information is also used to determine whether the user uses a real daily mobile device for independent loan operations, rather than a virtual device prepared for loan fraud.

The following are the keywords for the collected financial SMS information screening: ['loan','cash','kash','credit','money','moni','borrow','wallet','overdue','apply','due on','approved', 'disbursed','settle', 'amount','trandsfer','paid','financial','bal','Balance','Desc','Txn','Debit','Acct','amt','withdraw']. The collected information will be encrypted and uploaded to the server: https://api.urgentmoney.store and deleted regularly.

Contact information permission

Access content: The APP will obtain the emergency contact information filled in by the user when applying for a loan.

Purpose: In an emergency, if we cannot contact you directly, we may try to communicate with you through the emergency contact you set in advance. In addition, in some credit assessment models, contact information can be used as an auxiliary reference factor to help us more comprehensively assess your credit status.

Protection measures: We encrypt and store contact information, use it only when necessary, and will not disclose it to third parties. The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

Device permission

Access content: The APP will obtain information such as your device's IMEI, MAC address, device model, operating system version, etc.

Purpose: This information is mainly used for device identification to ensure the security of your account when used on different devices. At the same time, it also helps us optimize the compatibility and performance of the APP on various devices to create a better user experience for you.

Protection measures: We use safe and reliable technical means to collect and store device information, strictly limit access rights, and effectively prevent information from being illegally obtained and used.The data will be encrypted and uploaded to the server: https://api.urgentmoney.store

3. Use of Personal Information

Provide loan services: use your personal information for loan application review, credit assessment, contract signing, loan issuance, repayment reminder, post-loan management and other services.

Personalized services: provide you with personalized product recommendations, service notifications and marketing campaign information based on your usage information and preferences.

Security and risk management: prevent risks such as fraud, money laundering, malicious attacks, etc. by analyzing your personal information and behavioral data, and ensure transaction security and stable operation of the platform.

Service optimization and improvement: use the collected information for data analysis and research, improve the functions and performance of this application, and enhance user experience.

Legal compliance: use your personal information when required by law or in order to comply with regulatory provisions and respond to the requirements of judicial or administrative authorities.

We will not use your personal information for other purposes unrelated to the purposes stated in this Agreement. If personal information is to be used for other purposes, we will obtain your explicit consent in advance.

4. Storage of personal information

Storage location: Your personal information will be stored on servers to ensure compliance with the requirements data protection regulations. In special circumstances, if the data needs to be transferred overseas due to business needs, we will take necessary security measures and obtain your explicit consent in advance, and ensure that the country or region where the data recipient is located has the same level of data protection.

Storage period: We will only retain your personal information for the shortest period necessary to achieve the purposes stated in this Agreement. For loan-related information, we will retain it for a certain period after the loan contract is fulfilled in accordance with Nigerian laws and regulations and business needs. After meeting the storage period requirements, we will delete or anonymize your personal information.

Personal information protection measures

Technical measures: We use encryption technology (such as SSL/TLS encryption) to encrypt the transmitted and stored personal information to prevent the information from being stolen or tampered with during transmission and storage. At the same time, we will take technical measures such as access control, data backup, and security audit to ensure the security of the system and data.

Management measures: We have established a complete internal data management system and operating procedures, provide data protection training for employees, and clarify the data protection responsibilities and permissions of each position. Only authorized employees can access and process your personal information, and the access and processing behaviors will be strictly monitored and audited.

Emergency measures: We have formulated a data security incident emergency plan. If a security incident such as a data leak occurs, we will immediately activate the emergency plan, take remedial measures, and notify the relevant regulatory authorities and affected users within the specified time in accordance with the requirements of the Nigerian Data Protection Ordinance.

Although we have taken the above reasonable security measures, due to technical limitations and various possible malicious means, the network environment is not 100% secure, and we cannot absolutely guarantee the security of your personal information. If you find that your personal information may be leaked, please notify us in time through the contact information provided in this Agreement, and we will try our best to assist you in handling it.

Your rights

According to the Nigerian Data Protection Ordinance, you have the following rights in terms of personal information protection:

Right to know: You have the right to know how we collect, use, store and share your personal information, and you can obtain relevant information through this application or by contacting our customer service.

Right to access: You have the right to access your personal information stored in this application, and you can query and access it through the settings function of this application or by contacting our customer service.

Right to correct: If you find that the personal information we collect and store is wrong or incomplete, you have the right to ask us to correct or supplement it. You can submit a correction or supplement application through the relevant functions of this application or by contacting our customer service.

Right to delete: In compliance with legal provisions, you have the right to ask us to delete your personal information. For example, when the purpose of processing personal information has been achieved, is no longer necessary, or you withdraw your consent. You can submit a deletion application by contacting our customer service.

Right to restrict processing: In some cases, you have the right to restrict our processing of your personal information, such as when you object to the accuracy of personal information or our processing of personal information is illegal. You can request to restrict processing by contacting our customer service.

Right to data portability: You have the right to request that we provide your personal information to you in a structured, commonly used, machine-readable format, or directly to another data controller designated by you, subject to legal requirements.

Right to withdraw consent: You have the right to withdraw your consent at any time for matters in which you have agreed to our collection, use and processing of personal information. After withdrawing your consent, we will no longer continue to process your personal information based on that consent, but this will not affect the validity of the processing that has been carried out before the withdrawal. You can withdraw your consent through the settings function of this application or contact our customer service.

If you want to exercise the above rights, you can contact us through the contact information provided in this Agreement. We will respond within [5] business days of receiving your request and process your request in accordance with legal requirements and reasonable procedures. If you are not satisfied with our processing results, you can also complain to the relevant data protection regulator in Nigeria.

Protection of minors

Our services are intended for adults. If you are a minor, please stop using this application immediately. We will not knowingly collect personal information from minors. If we find that we have collected personal information from minors, we will delete the relevant information as soon as possible.

IX. Changes to the Agreement

We may change this privacy agreement based on business development, changes in laws and regulations, or other reasons. The changed agreement will be posted in this application and notified to you in an appropriate manner. If you continue to use this application, it means that you have accepted the changed agreement. If you do not agree to the changed agreement, you can stop using this application.