1. Information We Collect

To provide loan services, verify identity, and process requests, we collect the following categories:

A. Personal Identification & KYC

• Full Name (First & Last)
• Demographics: Gender, Date of Birth, Marital Status, Education Level
• Government ID: ID Type, ID Number, Expiry Date, photos (front & back)
• Verification selfie (real‑time photo for identity matching)

B. Contact Information

• Phone Number, Email Address, Physical Address (Province, Street, etc.)
• Optional social media links / identifiers

C. Occupational & Income Information

• Working Type, Business Type, Working Status, Years of Experience
• Monthly Income, Income Date, Payment Method (Bank transfer / Cash)
• Employer: Company Name, Phone, Position, Address

D. Guarantor Information

• Details of designated guarantors (type, contact info) – you must have their consent.

E. Financial & Transactional Data

• Loan amount, term, repayment period, interest period, payment schedules, history, wallet balance

F. Device & Technical Information

• Device model, OS & version, App package & version

2. How We Use Your Information

• Identity Verification & KYC: Confirm identity, prevent fraud.
• Credit Assessment & Underwriting: Evaluate employment, income, guarantor info for loan decisions.
• Loan Management: Disburse loans, track schedules, calculate interest/fees, manage late payments.
• Customer Support: Resolve issues, answer questions.
• Notifications: Payment deadlines, application updates, security alerts.
• Regulatory Compliance: Comply with financial laws, AML, and legal directives.

3. App Permissions & Data Access

The App requests explicit permission for:

• Internet: Secure server connection, loan schedules, application data.
• Camera: Real‑time selfie, ID card photos (front/back).
• Photo Library: Upload supporting documents, save loan statements.
• Push Notifications: Critical alerts (payment deadlines, account status, credit officer messages).

4. Data Sharing and Disclosure

We do not sell or rent your personal information. We may share data under these limited circumstances:

• Internal personnel: Authorized credit officers and administrators.
• Credit reporting agencies & regulators: Where required by national financial regulations.
• Service providers: Trusted partners (hosting, SMS gateways) bound by data protection agreements.
• Legal compliance: When required by law, court order, or governmental authorities.

5. Data Security and Storage

• Encryption in transit: SSL/TLS protocols between App and backend.
• Secure local storage: Key‑value stores for preferences and session tokens.
• Access control: Only authorised personnel involved in loan processing can access your files.

6. Data Retention and Deletion

We retain your data while your account is active, as necessary for the purposes outlined, or as required by applicable laws (financial records may have minimum retention periods).

7. Your Rights

• Access & Portability: Request a copy of your personal information.
• Correction: Request correction of inaccurate or incomplete data.
• Withdrawal of Consent: Withdraw consent for certain processing (may limit App services).