App Permissions & Data Usage Policy

Last Updated: April 9, 2025

To provide a secure and optimized experience, our app requires certain permissions and collects necessary data. Below is an explanation of the data we access and the reasons for doing so:

 

 

Installed Apps Information Collection

To ensure service security and prevent potential risks, we collect basic information about the applications installed on your device, including app package names and their categories. This information is encrypted and used solely for risk control purposes, such as identifying abnormal devices, detecting malicious software, and preventing fraudulent activities. We are committed to protecting your privacy. All data is transmitted via HTTPS encryption to https://qinamongdond.ninimoney.com and securely stored on our servers. Your information will not be shared with any third party without your explicit consent or used for any other purpose.

 

 

Device Information

We collect your device information to ensure the app functions correctly and to enhance your user experience. This data helps verify device compatibility, prevent fraudulent activity, and optimize performance based on your hardware configuration.

 Collected data includes:

 (1) Device model and operating system version (e.g., "Pixel 6 / Android 14");

 (2) Network type and signal strength (e.g., Wi-Fi / mobile data);

 (3) Anonymous device identifiers (hashed to protect privacy).

We are committed to protecting your privacy. All data is encrypted via HTTPS and transmitted to https://qinamongdond.ninimoney.com, where it is securely stored. Your data will not be used for other purposes or shared with third parties without your consent.

 

 

Data Use and Privacy Protection Summary

We understand how important your privacy is to you. Rest assured, all the information you provide will only be used to deliver our services, conduct risk assessments, and improve your experience. We will never share your data with third parties without your explicit consent. All collected data is transmitted securely via HTTPS and stored on our secure server at https://qinamongdond.ninimoney.com. We adhere to the highest standards to safeguard your personal data and privacy.

 

Our regulations regarding data collection and utilization are as follows in order to protect your privacy.

 

Unless otherwise specified, all capitalized terms used in this Privacy Policy will have the same meanings as those found in our conditions of use (where applicable).

 

Every time you visit our website or use the app, the following data is gathered:

2.1 Cookies may be used to automatically gather certain information each time you visit our website or use the App. Cookies are little program files that are kept on your computer or mobile device. We use cookies to track user behavior in order to improve the user interface and experience. You can change your device's or browser's settings to either reject particular cookie types or to stop cookies from being used at all, even though most mobile devices and web browsers accept cookies. Furthermore, you may always use your browser or mobile device to remove any cookies that have already been stored. Nevertheless, this can affect how well our application or website works.

2.2 The client must submit their call and SMS logs, photos, videos, and other digital assets in order to use the service. Along with the mobile network, operating system, mobile browser type, and preferred time zone, you also need to give the technical details and unique identifiers of your mobile device, such as its IMEI number, MAC address, and phone number.

 

According to current law, we may use the personal data we have gathered for the following purposes:

3.1 The following uses of your personal data are possible:

3.1.1 recognizing you, adding you as a user, and maintaining or controlling your credit conditions and account;

3.1.2 Before registering you as a user, we have the right to do any necessary checks.

3.1.3 to make loan payments and collect service fees;

3.1.4 ought to abide by all relevant laws, rules, and guidelines, particularly those concerning "know-your-customer" and anti-money laundering requirements.

3.1.5 to get in touch with you and give you details about the application;

3.1.6 to notify you of any updates to the app or changes to the service;

3.1.7 to respond to and settle the questions and comments you have sent in;

3.1.8 to adapt, test, update, and enhance the program to better meet the user's requirements and preferences;

3.1.9 To call you via text messages (SMS), if applicable, or pre-recorded or auto-dialed messages in order to achieve the objectives outlined in this Privacy Policy and the Terms of Use;

3.1.10 to collect and examine user and demographic data, including trends and patterns in the program's usage; and

3.1.11 to deliver direct marketing messages to you that emphasize details about special deals and rewards.

 

3.2 In addition, even while we promise to act responsibly and use no more personal information than is necessary for the particular purpose in each case, we may use your personal information for the following general purposes:

3.2.1 to carry out relevant business procedures and activities;

3.2.2 keeping an eye on how the program is being used and controlling, preserving, and improving its performance, usability, and functionality;

3.2.3 to handle and fix any problems or malfunctions pertaining to the operation of the application;

3.2.4 producing anonymised statistics and analytics data for use in research, analysis, and testing during the product development process;

3.2.5 to look into, expose, and stop any illegal, dishonest, forbidden, or undesirable behavior;

3.2.6 to assist us and/or any of our Affiliates with business asset transactions, such as asset sales, mergers, and acquisitions; and

3.2.7 All applicable laws, as well as regulatory demands, exams, and recommendations, must be followed when performing our obligations. This include conducting investigations, due diligence, and audit evaluations.

 

4.1 For any of the following reasons, as well as for any other purposes allowed by relevant law, including the Nigeria Data Protection Act, 2023, we reserve the right to share or disclose your personal information with Affiliates and other parties. Nonetheless, we will always behave responsibly and only divulge personal information required for the intended purpose:

4.1.1 in compliance with the terms of the relevant law, for the purposes outlined therein (including but not restricted to meeting statutory or regulatory filing and reporting requirements and responding to regulatory inquiries, investigations, or directives);

4.1.2 if any lawsuit affecting the Service involves you, us, or another party;

4.1.3 any financing, asset transfers, mergers, consolidations, reorganizations, or acquisitions of all or a portion of our business by or into another business, even if the agreement is not finalized;

4.1.4 When third parties—banks, mobile network providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and any other individuals who work for us, conduct our business, or are involved in it—provide your personal information to third parties in order to facilitate our cooperation with them (if applicable) or their interaction with us. Giving third parties permission to market or sell your goods or services, as well as to carry out research, assess, and produce things on your behalf, may be one way to do this.

4.1.5 Unless Affiliates are processing data on our behalf, are required to help us run our business, or are delivering the App (including direct marketing if you have signed up for our mailing list), we will not grant them access to personal information. According to this Privacy Policy and all relevant legal requirements, we are committed to making sure that each of our Affiliates handles the Personal Information we give them.

4.1.6 All information will be aggregated and anonymized if we reveal usage data for both the App and the Service.

4.1.7 If we believe that revealing your personal information is necessary to protect you or others, report suspected criminal activity, look into any terms of service violations, or comply with legal requirements;

 

4.2 Before sharing or exchanging Personal Information with third parties, we will, if at all possible, take all reasonable steps to remove any possibility that the information could be individually associated to you.

4.3 With your consent and advance notification, we may divulge or share your personal information with third parties outside the purview of this privacy statement.

 

Your personal information may be transmitted, stored, utilized, and processed in a jurisdiction other than your home country or the jurisdiction of the nation, state, or city where you are presently situated ("Alternate Country") while you are using any of our services. Additionally, information may be sent to Our group's servers, service providers, and coworkers, as well as to companies connected to Our group that are located abroad or in a different country.

 

If such a circumstance occurs, we will ensure that the pertinent personal data is protected to the degree mandated by Nigerian law (and, in any case, in conformity with our responsibilities under this Privacy Policy).

 

By filling out this form, you agree that your personal information may be transferred in the ways specified below, whether or not the transfer takes place in your home country.

 

Your personal information will be kept for as long as required to achieve the goal for which it was gathered or as long as allowed by the relevant legal framework. We will stop storing the personal information or take down the means by which it can be connected to you as soon as it is reasonable to determine that its retention is no longer necessary for legal or financial reasons and that the purpose for which it was obtained is no longer being served.

 

7.1 You can seek access to and/or correction of your personal information that is under our control using the details below. If the requests satisfy all relevant legal requirements, we might charge an administrative fee.

7.2 If required or allowed by law, we reserve the right to refuse requests for access to or correction of any or all of your personal information that we may have. References to other people may be included in the Personal Information, or someone may request access or a change for reasons we deem needless, inconvenient, or irrelevant.

 

8.1 The personal data we gather from you may be processed, transmitted, or stored by third-party service providers. We will do everything we can to ensure that all third-party service providers follow the privacy rules outlined in this policy.

8.2 To the extent allowed by applicable legislation, our foreign workers, affiliates, contractors, third-party suppliers, and service providers may keep or handle your personal data outside of your country. To the extent allowed by your nation's laws (and, in any event, in accordance with our obligations under this Privacy Policy), we promise that the relevant Personal Information will be protected in this situation.

 

Our first goal is to protect the privacy of your personal information. We will take every precaution to protect your personal information from accidental loss, erasure, or damage, as well as from unauthorized access, acquisition, use, or disclosure. Unfortunately, there is no way to guarantee that any data sent over the Internet will be secure. Despite our best security measures, we cannot guarantee that any personal information you provide online will stay accurate and current or that unauthorized individuals won't intercept, access, disclose, edit, or delete it. We hope this has reached you. This is the outcome of outside influences. You are in charge of protecting the confidentiality of your account data, making sure your mobile device is secure, and avoiding password breaches.

 

To make sure it appropriately reflects our current procedures and any changes brought about by changing legal or regulatory requirements, we reserve the right to review and amend this privacy statement on a regular basis. If we decide to change this privacy statement, we will either post a general notice on the App and/or Website. You understand that in order to be informed about our security and data processing procedures, it is your duty to periodically examine our Privacy Policy. You will be deemed to have accepted the changes to this Privacy Policy if you keep using the App or Website, get in touch with us, or access and use the Service after they go into effect.

 

The English version of this privacy statement will be utilized if it varies from those in other languages.

 

12.1 You confirm that you have read, understand, and accept all of the conditions of the Privacy Policy by accepting it. You agree that your personal information will be collected, used, disclosed, stored, transferred, and processed in line with the provisions of this privacy policy by signing this document.

12.2 You testify that you have the consent of others, including your spouse, family, friends, or emergency contact, by granting us authorization to gather, use, disclose, and process the information on their behalf.

12.3 In addition, you specifically give us permission to phone you and your emergency contact (if they have given us permission) to confirm your details in the event that we are unable to reach you in any other way or if your loan payment has not been received.

12.4 At any time, you may contact us using the information below to withdraw your permission to the collection, use, or sharing of your personal information by providing us with a reasonable written notice. Additionally, you can use the "unsubscribe" or "opt-out" option described in our correspondence with you to withdraw your consent for us to send you particular communications and information. You understand and agree that, depending on the particular situation and the kind of permission you are withdrawing, you might not be able to use the App or certain Service features after the withdrawal. Your account and our business relationship may be dissolved if you withdraw your consent, and all accrued rights and obligations will be completely retained. We will promptly notify you of the possible consequences as soon as you express your desire to withdraw your consent for the gathering, use, or disclosure of your personal data. After that, you will have the chance to decide whether or not to withdraw your acceptance.

 

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

13.2 By clicking the "unsubscribe" link in the relevant message or by getting in touch with us using the details below, you can choose not to receive these marketing messages in the future. Even if you choose not to receive them, we may still send you non-promotional notifications regarding your account or the app, loan disbursement or repayment receipts, and other information.

 

14.1 The app and website may contain links to external websites. Since we have no control over these websites, we cannot be held accountable for how these third parties gather, utilize, store, distribute, or disclose data and information. Please review the terms and conditions and privacy policies of these third-party websites to learn how they gather and use your personal data.

14.2 Links to the advertiser's website are included in the ads on our app or website. Consequently, in compliance with its privacy statement, the advertiser will gather and utilize whatever information it obtains from your click on the link.

 

Indirect, incidental, consequential, extraordinary, exemplary, and punitive damages resulting from the following are not covered by us:

15.1 Your dependence on the application, how you use it, or how you are unable to use it; or

15.2 Any correspondence or commercial transactions you conduct with any other third party, even if we are aware that such losses could occur.

 

Any delays or nonperformance resulting from events beyond our reasonable control will not be our responsibility.

 

For any questions about our privacy statement, please email assist@ninimoney.com, our data protection officer. You will have the ability to view and modify your personal data.