Privacy Policy

IntroductionIntroduction

This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the services and tells you about your privacy rights and how the law protects you. If you do not agree with these policies, please do not use our application or services.

We use your personal data to provide and improve the service. Using the Service means that you agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and DefinitionsInterpretation and Definitions

2.1 Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

2.2 Definitions

For the purposes of this Privacy Policy:

- Account means a unique account created for you to access our Service or parts of our Service.
- Application means the software program provided by the Company downloaded by You on any electronic device, named flexfund.
- Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
- Country refers to: Nigiera
- Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
- Personal Data is any information that relates to an identified or identifiable individual.
- Service refers to the Application or the Website or both.
- Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
- Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
- You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal DataCollecting and Using Your Personal Data

3.1 Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

- Email address
- First name and last name
- Phone number
- Address, State, Province, ZIP/Postal code, City
- Gender
- Date of birth
- BVN type/number
- Marital status
- Level of education
- Company details
- Bank information

3.2 Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

3.3 Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

- Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
- Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

- Necessary / Essential Cookies
- Type: Session Cookies
- Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
- Cookies Policy / Notice Acceptance Cookies
- Type: Persistent Cookies
- Administered by: Us
- Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
- Functionality Cookies
- Type: Persistent Cookies
- Administered by: Us
- Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

3.4: Personalised ads that is provided by Google Advertising ID

We show you personalised ads based on Google Advertising ID. Google Advertising ID is an unknown identifier that is provided by Google to show more targeted ads on mobile devices.

-Purpose

We will only collect and use Google Advertising ID with the explicit authorization and consent of the user. Users can reset or turn off Google Advertising ID at any time using the device’s settings app. Google Advertising ID is not associated with users' personal information, protecting your privacy and security of data. It is recommended that users read and understand Google's Privacy Policy in detail to learn more about the information of Google Advertising ID and how to use it.

-Information usage:

Our purpose in using Google Advertising ID is to provide advertisers with more accurate advertising placement and user interest analysis. Google Advertising ID is not associated with the user's personal information. We promise to protect your privacy and security of data.

-Security measures: We take reasonable security measures to protect user information from unauthorized access, use, or data leakage. We will do our best to protect the security of user information, but we cannot guarantee its absolute security.

Use of Your Personal DataUse of Your Personal Data

Personal information will not be used or treated for purposes other than those indicated here.

- APP permissions:

To assess your eligibility and facilitate faster disbursement of your loan, we need permissions to access your Contact, SMS, location, phone status, storage, calender, camera and installed APP list.

- Contact

Allow to collect and monitor specific information about your Contact to identify and analyze your multiple loan behavior and risk to evaluate whether we can process the loan or not and help us to prevent fraud.This information will be encrypted and uploaded to our server https://api.flexfund.com

- Call Log

Allow to obtain Call log permissions to Collect and monitor your Call log to build your social and financial profile. Our credit evaluation relies on this information so as to provide you with pre-approved loan offers. This information will be encrypted and uploaded to our server https://api.flexfund.com

- Location

Your device data helps determine your eligibility for a loan, prevent fraud and ensure authenticity. This information will be encrypted and transmitted to our server https://api.flexfund.com

- Phone Status

Obtain the IMEI of your mobile phone for fraud prediction when providing financial services. We can ensure that no unauthorized device acts on your behalf to prevent frauds. This information will be encrypted and transmitted to our server https://api.flexfund.com

- Storage

We require storage permission so that your KYC and other relevant documents can be securely downloaded and saved on your phone. You can easily download the right KYC related documents for filling and disbursement.

- Calender

Allow to edit and add activities to follow and as reminders for repayment dates. Once the activity reminder service is set, the user is reminded to participate in the activity. When the payment cycle starts, the user is reminded to pay. This information will be encrypted and transmitted to our server https://api.flexfund.com

- Camera

Allow to take photos or record videos. Identity verification through videos or photos is required to avoid fraudulent activities.

- Installed APP list

Collect and monitor specific information about your installed application on the app to identify and analyze your multiple loan behavior and risk to evaluate whether we can process the loan or not and help us to prevent fraud. This information will be encrypted and uploaded to our server https://api.flexfund.com

Retention of Your Personal DataRetention of Your Personal Data

We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal DataTransfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

We will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal DataDisclosure of Your Personal Data

7.1 Business Transactions

If we are involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

7.2 Law enforcement

Under certain circumstances, We may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

7.3 Other legal requirements

We may disclose Your Personal Data in the good faith belief that such action is necessary to:

- Comply with a legal obligation
- Protect and defend the rights or property of the Company
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect the personal safety of Users of the Service or the public
- Protect against legal liability

Security of Your Personal DataSecurity of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Links to Other Websites and ApplicationsLinks to Other Websites and Applications

Our Service may contain links to other websites and Apps that are not operated by Us. If You visit any websites through the links on the Website, please ensure You go through the privacy policies of each of those websites. Their data collection practices, and their policies might be different from this Policy and We do not have control over any of their policies neither do we have any liability in this regard.

Your RightsYour Rights

You have rights under this Privacy Policy. These rights include:

- Request access to Your Personal Data. The right to access, update or delete the information We have on You. Whenever made possible, you can access, update or request deletion of Your Personal Data directly within Your account settings section. If you are unable to perform these actions yourself, please contact Us to assist You. This also enables You to receive a copy of the Personal Data We hold about You.
- Request correction of the Personal Data that We hold about You. You have the right to have any incomplete or inaccurate information we hold about You corrected.
- Object to processing of Your Personal Data. This right exists where We are relying on a legitimate interest as the legal basis for our processing and there is something about Your particular situation, which makes You want to object to our processing of Your Personal Data on this ground. You also have the right to object where We are processing Your Personal Data for direct marketing purposes.
- Request erasure of Your Personal Data. You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.
- Request the transfer of Your Personal Data. We will provide to You, or to a third-party You have chosen, Your Personal Data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which You initially provided consent for Us to use or where We used the information to perform a contract with You.