Welcome to the Urgent Money Privacy Agreement. This APP is developed by De Fintek Nigeria Investment Limited. Please read the privacy agreement below carefully. Please note that this privacy agreement only applies to Urgent Money.
To help users to protect their personal privacy, we have developed the corresponding privacy policy to serve people to ensure that their personally identifiable information can be used correctly and avoid unnecessary privacy disclosure. PII is used to identify, contact or locate individuals. By visiting Urgent Money, also referred to as "Our Site," you accept the practices described in this Policy and give us the right to use your PII. Please read our Privacy Policy carefully for a clear understanding of how we collect, use, protect or otherwise process your personally identifiable information in accordance with our websites and applications.
Information collected whenever you use the App or visit our Website:
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
The ways in which we collect information from you include:
Customize your experience and allow us to provide content and products that may be of interest to you;
· Provide products, services and information at your request;
· Create a credit score based on your information;
· To inform you of the latest changes to the products or services we offer;
· Follow up after contact via live chat, email or phone.
The comments you leave and their metadata will be retained indefinitely. So that we can handle and manage subsequent comments.
For users registered on our website (if any), we also store the personal information they provide in their user profiles. All users can view, edit and delete their personal information at any time, but can not change their user names. The webmaster can also view and edit this information.
For any account or comment you make on this website, you have the right to request that we export the files that we hold about your personal data. You can also ask us to delete any personal data we hold about you. This does not include any data that we are obliged to retain for administrative, legal or security purposes.
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice.
We will collect information from you when you enter our site or our app.
Unless we notify you in advance, we will not sell, trade, or otherwise transfer your personally identifiable information to outside parties other than web hosting partners and other parties who assist us in operating the site, conducting business, or providing services to users, unless those parties agree to keep such information confidential. We may also post information when appropriate, but this is to comply with the law, enforce our site policies, or protect our rights, property, or safety or that of others. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising or other purposes.
We welcome you to contact us with any questions about the above via the contact form on our website or below.
Email: falshsilver563@gmail.com