This privacy policy is specifically for the protection of the users of the Loans and Credit app (the "App") and to describe how user privacy is safeguarded.

DATA REQUIRED BY THE APP

The Personal and Sensitive User Data that may be collected by the App with the user's consent and is protected by this policy is limited to, personally identifiable information, financial and payment information, authentication information, contacts actively provided by the user, credit references and country of residence..

We collect this information with the user's consent to enable our third party lenders, who are all vetted, to make lending decisions. Access to this Personal and Sensitive User Data is secured from non lenders (within the Loans Applications section of the App) and a vetting process for lenders.

HANDLING OF DATA

The app handles Personal and Sensitive User Data securely over HTTPS. The app is secure, using google sign in only to allow access to any section of the app.

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

We personally identifiable information such as your image, email address, name and telephone number, financial and payment information, authentication information, contacts actively provided by the user, credit references and country of residence. When you submit posts or communicate using the site or apps your image as saved in your Google profile is uploaded to our servers.

We collect information personally identifiable information when you sign in to the app. Financial information is collected whent the user actively submits it to the App. There is no surreptitious or nonconsensual collection of user data by the App. When you submit posts or communicate using the site or apps your image as saved in your Google profile is uploaded to our servers.

We provide your information to third party lenders to enable them analyse your credit risk and make lending decisions.

All data in the App is transmitted over HTTPS

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

Our app is published on Google Play

We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

We do not use cookies for tracking purposes

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off .

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety. 

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

We use Facebook Audience Network Advertising, Inmobi ads, Unity ads and Appodeal Ads (https://appodeal.com/privacy-policy/), Chartboost (https://answers.chartboost.com/en-us/200780269#:~:text=The%20EU%20and%20Swiss%20and,for%20employees%20working%20for%20a), Mopub (https://www.mopub.com/en/legal/privacy) and Tapjoy (https://www.tapjoy.com/legal/players/privacy-policy/) on the App.

We have implemented the following:

We, along with third-party vendors such as Facebook Audience use first-party cookies or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

You will be notified of any Privacy Policy changes:

      • On our Privacy Policy Page

Can change your personal information:

      • By logging in to your account

Does our site allow third-party behavioral tracking?

It's also important to note that we do not allow third-party behavioral tracking

When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under the age of 13 years old.

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

We will notify you via email

      • Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

      • Process orders and to send information and updates pertaining to orders.

To be in accordance with CANSPAM, we agree to the following:

      • Not use false or misleading subjects or email addresses.

      • Identify the message as an advertisement in some reasonable way.

      • Include the physical address of our business or site headquarters.

      • Monitor third-party email marketing services for compliance, if one is used.

      • Honor opt-out/unsubscribe requests quickly.

      • Allow users to unsubscribe by using the link at the bottom of each email.

      • Follow the instructions at the bottom of each email.