We are dedicated to the protection of your privacy and transparency at NiNiMoney, in compliance with the Nigeria Data Protection Act of 2023 and other relevant regulations. In order to evaluate your eligibility and assure a smooth loan approval process, we require specific permissions to access specific data from your device. All information that is gathered is securely transmitted, stored, and utilized exclusively for the purpose of delivering our services. Without your explicit consent, your data will not be disclosed to third parties.

In order to more accurately evaluate your eligibility for a loan, we must have access to your SMS messages. This allows us to assess your creditworthiness by reviewing all of your SMS records, not just financial SMS data, such as sender names, transaction descriptions, and quantities. Nevertheless, we will only transmit financial SMS data after it has been filtered through a system, and no other data will be transmitted or processed. By conducting an analysis of this data, we can increase the probability of obtaining loans and expedite the approval process.

The Process of Accessing and Utilizing Your SMS Data:

1. Access: After you authorize SMS access and confirm this permissions page, our app will collect several months of recent SMS data, limited to a few thousand messages. It will focus on communications related to financial transactions.

2. Upload: For the purpose of analysis, SMS messages that contain financial-related keywords will be uploaded.

3. Local Storage: SMS data will remain on your device and will not be transferred to our servers if the "Apply" icon is left unclicked.

Our servers securely store all SMS data, which is transmitted using industry-standard encryption. Your privacy is our top priority, and we will never disclose your SMS data to third parties without your pre-approval.

We reserve the right to send you push notifications regarding critical account updates, payment reminders, and exclusive promotions. You have the option to decline these notifications, and your app's functionality will not be impacted.

We are requesting access to two emergency contacts in order to verify identity and prevent future fraud. These contacts may be manually entered.Our servers securely store this data, which is transmitted over HTTPS.

We collect information about your device each time you choose to apply on the homepage to verify your identity and prevent fraud. This includes the model name, settings, and unique identifiers, such as the operating system version, brand, model number, IMEI, serial number, whether it is in Developer Mode, screen width, default language, time zone, and other device environment information, as well as display and luminance settings, and CPU performance details. Additionally, we gather data about the applications installed on your device; however, we limit our use of this information to specific financial applications. The information we collect includes the app's name, version number, first installation date, and most recent update date, as well as whether it is a pre-installed system app. This information helps us identify and assess potential risks, allowing us to protect the financial security of our accounts and prevent the installation of fraudulent software. It is important to note that we do not use information from applications that do not fall under a specific financial category. Furthermore, no data will be transmitted or processed if you do not select "apply" on the homepage. All collected data is securely stored on our servers and protected from unauthorized access.

1. ADID/GAID: In order to enhance your advertising experience and analyze ad data, we access your Google Advertising ID (GAID).

2. ACCESS_WIFI_STATE: In order to assess risk and identify potential network anomalies, we obtain information about your Wi-Fi network.

3. ACCESS_NETWORK_STATE: In order to mitigate data loss during network interruptions and evaluate risk, we accumulate your network information, which encompasses your IP address, connection status, and network type.

4. Additional information: network type, sim country ISO, sim operator, mac address, and so forth

We may request that you provide certain personally identifiable information that can be used to contact or identify you while you are using our services.

- Phone number

- Name

- Gender

- Date of birth

- ID Card Number

- Educational information

- Marital status

- Occupational information

- Address information

- BVN(Bank Verification Number)

Usage of Permissions: We utilize your mobile application list to assess your operating environment in order to prevent fraud and concealed virus software. Virus intrusion may result in the theft of your funds by illegal software. In order to facilitate the processing of loans and to mitigate fraud, it is imperative that we ascertain and evaluate your risk level.

The following information will be collected to prevent the illegal acquisition of your personal information, to more accurately prevent fraud, to protect account security, and to identify whether you are a genuine natural person user: the version number of the installation package, the app name, the installation time, the last update time, and the package name.

Methodology for Data Security:

The HTTPS server will be used to securely upload the collated information, which will be highly encrypted. Your data will not be disclosed to any third party without your consent.

1. Purpose of Permission Usage: In order to guarantee the security of our platform and users' accounts, we require access to their approximate location data. The identification and prevention of potential offshore money laundering, unlawful access, and other offenses can be achieved by determining the approximate location of a user. This permission enables us to safeguard the privacy of our users by preventing the access or storage of their precise location information while concurrently securing our services.

2. The Utilization of Data: The app can identify and flag these unusual behaviors when a user attempts to log in or access the service from a location that is different from their usual area of activity through the use of approximate location data. This safeguards user accounts from fraud or malware by preventing unauthorized offshore access.

3. Methods for Ensuring Data Security: We guarantee that your SMS messages will be transmitted securely via HTTPS for encryption. Your data will not be disclosed to any third party without your consent.

In order to guarantee the seamless progression of our service process, we require your permission to access the camera on your device. We assure you that we will not access or store any additional images or videos on your device. It is important to note that we will be unable to offer image capture and update services without your consent.

All data that has been collected is securely transmitted to our servers using cutting-edge encryption and security protocols. Your data will not be disclosed to any third party without your explicit authorization. Nevertheless, the data will not be uploaded if you do not select to apply.

We gather personal information, including your name, phone number, operating system, and device model. Furthermore, we accumulate SMS, device activity, and address records. In order to improve our credit evaluation, we may incorporate data from financial institutions and credit bureaus. You are granting your consent to the acquisition, processing, and secure storage of data by utilizing our services.

The following two channels are used to acquire your personal information:

1. Directly Contributed Information: We may collect and store the information you provide when using our financial services, such as the information you provide when filling out online forms, applying for products and/or services, participating in feedback, resolving disputes, or contacting us regarding our financial services. Additionally, we may collect and store the information generated about your transactions and activities during your use of our services. While employing the service, usage data is automatically collected.

2. Proactive data collection: We collect information from your computer, mobile phone, and other access devices when you use our website, app, and related services.

Our Approach to Utilizing Your Data

We utilize the data we collect to: - Confirm your identity.

- Develop credit assessment models.

- Manage credit reports and determine loan offers.

- Oversee payment and collection behavior.

This data may be utilized for a variety of purposes, including the evaluation of the risk associated with your credit request, the verification of your identity, the assessment and qualification of your creditworthiness, and statistical analysis, among other things, as outlined in the subsequent section.

The following conditions must be met for NiNiMoney to communicate or transfer personal data:

1. NiNiMoney Group Companies, Subsidiaries, or Affiliates: Purpose: To enhance service quality, conduct statistical analyses, evaluate performance, and develop products.

2. Service Providers (Unrelated Third Parties): Purpose: To facilitate the provision of credit-related services.

3. Government, Judicial, or Administrative Authorities: Purpose: To adhere to legal or judicial mandates.

4. Software Providers, Information Security, or Risk Management: Purpose: To prevent fraud and ensure security.

5. Commercial Affiliates: Purpose: Advertising.

You acknowledge and consent to the data collection, utilization, and sharing practices described in this disclosure by utilizing NiNiMoney. Your consent allows us to offer loan services that are secure, transparent, and efficient in accordance with your financial requirements.

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

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.