Privacy Policy Instant Loan
Welcome to the Instant Loan Privacy Agreement. This APP is developed by DE FINTEK NIGERIA INVESTMENT LIMITED. Please read the following privacy agreement carefully. Please note that this privacy agreement only applies to Instant Loan
We will provide you with Personal loan and Payday loans,Apply for a loan through your credit,Meet daily needs.
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 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. By visiting Kash Loan, also referred to “our site”, you are accepting the practices described in this policy. 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 and app.
What personal data we collect and why we collect it
Your Information
You may give us information about you by completing forms on our site, app, by allowing us to access your information on social media sites or by corresponding with us by phone, e-mail or otherwise. This includes information on app login, applying for a loan and activity on social media. The information you give us may include your name, current and previous address, e-mail, phone number, social networks data, financial information, personal status information, employment information, educational status, contacts and family information, applications and messages.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
We use cookies for tracking purposes only. 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, some features will be disabled. That makes your site experience more efficient and may not function properly.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Data
How we use your data
We may use the information we collect from you in the following ways:
To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested;
To provide products, services, and information regarding your request;
To create a credit score based on your information;
To notify about recent changes in the product or services provided;
To follow up with them after correspondence (live chat, email or phone inquiries).
The following information is collected/shared/transmitted whenever you use the app or visit our website:
Personal information：
When you use the app, we will ask you to enter some necessary personal information to identify your true identity and verify your credit score, etc. The purpose of doing so is to better identify and provide you with exclusive credit limits. At the same time, in order to protect your fund security, the information we need to collect includes but is not limited to: your name, bank card information, BVN number, your emergency contact number, your work situation, your address, etc. You can rest assured that we will not use this information for any non-compliant operations without your permission, nor will we provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
Location：
When you use the app, we will apply for permission to obtain your location and obtain your current location. The purpose of doing so is to ensure that you apply for a loan in a safe environment (within Nigeria), and also to protect your funds. Similarly, when you fill in the information and apply for a loan, we will once again request permission to obtain your location to ensure the safety of your funds. You can rest assured that we will not use this information for any non-compliant operations without your permission, nor will we provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
Camera:
When you use the app, we will ask you to grant us the permission to open the mobile phone camera (album), the purpose of the request is for you to better fill in your personal information, so that we can confirm that you are the person applying for a loan, and evaluate your credit score. This permission will only take effect when you fill in your personal information and take a photo. You can rest assured that without your permission, we will not use this information for any non-compliant operations or provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
Calendar:
We collect and use your calendar data.
Purpose: To remind users before they are due and to avoid a drop in their credit score due to overdue payments.
You can rest assured that without your permission, we will not use this information for any non-compliant operations or provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
SMS Information:
We will collect your SMS permissions with your consent. The information collected includes the sender's content and the date it was sent. We also collect and process your mobile phone data, such as SMS logs. Your data will not be shared with any third party without your permission. We only screen out certain financial information that we can use to detect possible fraud or
illegal use of our services, which helps us identify the various accounts you hold and your cash flow patterns as a user, helping us to conduct a credit risk assessment, determine your risk profile and provide you with appropriate credit analysis. This allow you to obtain financial services from regulated financial entities and other service providers on the Platform. You may refuse or consent to the license, if you refuse to provide SMS permission, it will cause a lack of your SMS information and we will be unable to properly assess your risk and credit.You can rest assured that without your permission, we will not use this information for any non-compliant operations or provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
Contact:
In order to ensure the safety of your and our funds, when you apply for a loan, we will ask you to fill in several contact information of your friends or family members to help you complete the loan process. You can rest assured that without your permission, we will not use this information for any non-compliant operations or provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
Device：
We will obtain your device information. Collect and monitor specific information about your device including your device name, model, region and language settings, device identification code, device hardware and software information, status, usage habits, unique device identifiers like IMEI and serial number to uniquely identify the device and ensure that unauthorized devices are not to act on your behalf to prevent frauds.This will help us to identify your user portrait and preferences and to recommend the suitable products.You can rest assured that without your permission, we will not use this information for any non-compliant operations or provide it to third parties. We will upload it to a dedicated server: https://aping.credpayfintech.cc for encryption protection
What rights you have over your data
If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service. We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice.
Your contact information
We collect information from you when you enter it on our site or our app.
Additional information
How we protect your data
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. We implement a variety of security measures when a user asks for a loan, submits data, 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.
Industry regulatory disclosure requirements
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.
Contact
29 BIDA BIDI GAMAJIGO, OPPOSITE ELCOTEZ HOTEL, ZARIA ROAD , JOS, JOS-NORTH,PLATEAU STATE
for@definteknigeria.online
5.8 You agree to indemnify and hold DE FINTEK NIGERIA INVESTMENT LIMITED and the Third-Party Partners harmless with respect to any claims, losses, liabilities and expenses (including legal fees and expenses) that may arise as a result of the disclosure and reliance on such Personal Information and/or Relevant Information.
5.9 DE FINTEK NIGERIA INVESTMENT LIMITED reserves the right to request for further information from you pertaining to your use of the Services at any time. Failure to provide such information within the time required by DE FINTEK NIGERIA INVESTMENT LIMITED may result in DE FINTEK NIGERIA INVESTMENT LIMITED declining to accept your application for an Account or access to the Services.
5.10 You acknowledge and agree that when DE FINTEK NIGERIA INVESTMENT LIMITED or our third-party service providers access and retrieve information from such third-party websites, DE FINTEK NIGERIA INVESTMENT LIMITED and our third-party service providers are acting as your agent, and not the agent of, or on behalf of the third party.
5.11 DE FINTEK NIGERIA INVESTMENT LIMITED advises its customers not to give their financial details, such as BVN (Bank Verification Numbers), OTP (One Time Password) and other sensitive financial information to anyone or third party.DE FINTEK NIGERIA INVESTMENT LIMITED will not be liable if such details are compromised.
6.0 Transacting
6.1 You may access the available funds in your Account at any time. While we make every reasonable attempt to provide the services as described in our marketing and educational materials, we offer the services “as is” and without any warranties.
6.2. All payments will be processed in Nigerian local currency i.e. Naira.
6.3. DE FINTEK NIGERIA INVESTMENT LIMITED will send you a receipt of all transactions effected from your DE FINTEK NIGERIA INVESTMENT LIMITED Account; this message may be sent via SMS, email, or another available channel.
6.4 .Some transactions may require you to input your pre-configured PIN, you are solely responsible for maintaining the confidentiality of your PIN and login details of your Account. You must protect the secrecy of your PIN and login details and prevent fraudulent use of the same.
6.6. As required by the CBN, there are daily limits on your Account or Wallet. You can increase or reduce these limits by providing DE FINTEK NIGERIA INVESTMENT LIMITED with the required information, subject to the restrictions listed in section 6.9 of this document and as mandated by the CBN
6.7. Your Account will be credited with any deposits made into it, and the credit will be available for transactions immediately after they are cleared.
6.8. We will verify and confirm any record of a deposit into your Account. Our records will be taken as correct unless the contrary is proved.
6.9. The table below outlines the customer classification DE FINTEK NIGERIA INVESTMENT LIMITED adopts along KYC levels along with the applicable transaction limits. You may not withdraw, transfer or make any payments that together exceed any of the per transaction or daily limits defined for your category. Should you attempt to exceed any applicable limits, your transactions will be declined.
DE FINTEK NIGERIA INVESTMENT LIMITED may, acting reasonably and in accordance with regulations set by the Central Bank of Nigeria, vary the limits at any time and any variation will be notified to customers. Where a deposit exceeding the transaction limit for your category is made to your Account, we will notify you to upgrade your Account to the category that applies to such deposit within seven (7) days. In the event that you fail to upgrade your Account to the required category, we reserve right to place a restriction on your Account until such upgrade to the required category is effected.
*Subject to change
6.10 For the avoidance of doubt, please note that some transaction limits may be further reduced from the approved CBN limits, this may be done based on channels or particular types of transactions as part of our risk control process.
6.11 You undertake throughout the duration of your use of DE FINTEK NIGERIA INVESTMENT LIMITED to comply with anti-fraud and anti-money laundering regulations applicable in Nigeria. In particular, you undertake to respond diligently to any request from DE FINTEK NIGERIA INVESTMENT LIMITED or a regulatory or judicial authority regarding any suspected fraudulent or money laundering activity on your Account.
6.12 Any breach of the anti-fraud and anti-money laundering regulations by you constitutes a serious breach of this Terms of Use and we reserve the right to immediately suspend or close your Account.
6.13 The proceeds from suspected fraudulent or money laundering transactions shall be kept by DE FINTEK NIGERIA INVESTMENT LIMITED pending an internal decision, or a judicial or administrative decision.
6.14 In processing your transactions, DE FINTEK NIGERIA INVESTMENT LIMITED shall comply with the Money Laundering Prohibition Act (as amended) 2011.
7.0 Funding and Transfer out of your Account
7.1 Once you open your account, you will be assigned a Bank Account Number. The account number will be required when you or a third party wants to fund your account. Save for any limits that are applicable to the account, your account may be credited by transfers from other account holders on the DE FINTEK NIGERIA INVESTMENT LIMITED App, through bank transfers to your Account and by cards. Your account may also be funded by DE FINTEK NIGERIA INVESTMENT LIMITED if your approved loan is disbursed into the account.
7.2 You may transfer the funds in your account to other accounts on the DE FINTEK NIGERIA INVESTMENT LIMITED App, and to any bank account with a Nigerian bank.
7.3 We may not process your transfer or payment if:
7.3.1 If your instructions are unclear.
7.3.2 You have insufficient funds.
7.3.3 There is a suspicion of criminal, fraudulent or illegal activity on your DE FINTEK NIGERIA INVESTMENT LIMITED Account.
7.3.4 There is a suspicion of unauthorized access on your DE FINTEK NIGERIA INVESTMENT LIMITED Account.
7.3.5 We (and/or our Partners) are legally restricted from completing the transfers.
7.3.6 It goes over your payment limits (where applicable).
7.3.7 Your account has been dormant for more than 12 months.
7.3.8 We are prohibited or restricted from doing so in accordance with the payment system regulations or any applicable law in Nigeria.
7.4 You are responsible for providing the correct details for the recipient of your transfers or payments. Where payments are made according to your instructions and those instructions were wrong, but authorized, we will work with our partners to assist you in retrieving the amount if you notify us promptly. Where we are unable to retrieve the payment, we will assist you with the relevant information in our possession that you may need to reclaim your funds.
7.5 You may be required to set a password/Personal Identification Number (PIN) to carry out transactions using the account. When you enter your password to confirm a transaction, you confirm that we may treat the transaction as having been authorized.
7.6 Overdrawn amounts from your account may be treated as a Loan which is immediately due and repayable to us.
8.0 Prohibited Transactions
8.1. It is strictly forbidden to send or receive payments as consideration for the sale or supply of:
• • Hard drugs and drug paraphernalia
• • Weapons (including without limitation, knives, guns, firearms or ammunition)
• • Satellite and cable TV descramblers
• • Pornography, adult material, material which incites violence, hatred, racism or which is considered obscene
• • Government IDs and licences including replicas and novelty items and any counterfeit products
• • Unlicensed or illegal lotteries or gambling services (including without limitation