Introduction

Welcome to Gogetcredit Mobile Application (“Gogetcredit”). We greatly value your privacy. This Privacy Policy is designed to inform you about the personal data we collect from you (“you” or “user”) and how we utilize and share this information when you access or use our Services. By visiting or using our Services, you agree to the data processing practices outlined in this Privacy Policy.

Please read this Privacy Policy carefully prior to providing personal information or using our Services. If you do not agree with this Privacy Policy, please reach out to us.

Gogetcredit may modify this policy periodically with or without notice. We recommend that users and visitors to our website check this policy regularly to stay informed about the most recent changes.

Use of Your Information

The data collected from you and your device may be recorded in our credit scoring system, which you agree to. We may evaluate your credit situation to provide more suitable services. Intellectual property of our credit scoring system remains solely with us. You shall have no claims over intellectual properties for any contents you upload through the App or the Website, and we may use, copy, distribute, store, and derive economic benefit from such contents.

You acknowledge that we reserve the right to track your location during Services provision, even if you uninstall the Mobile App or cease using our Services, until your obligations to pay the outstanding amount to the Lender are fulfilled. Discontinuing our Services shall not release you from the responsibility, obligation, and liability to repay the outstanding amount owed to us.

We may use your information to complete requested services, check your personal credit status, verify account safety, or assist with service. We will not sell, rent, or lease your personal information to any third party. We may also retain and use your personal information to comply with legal obligations, resolve disputes, and fulfill our agreements.

Data Protection

We employ technical measures to safeguard your personal information against accidental or unlawful destruction, unauthorized disclosure or access, and against all other unlawful processing. However, we shall not be responsible for data pilferage due to hacking, virus attacks, etc. Keep your account and password confidential, and promptly notify us if your password or account is compromised.

Information You Provide

Gogetcredit collects personal information you provide us, which may include: (i) contact information, such as your name, company name, job title, address, e-mail address, and phone number; (ii) additional information about you to help us get to know you better, such as your gender, age, date of birth, nationality, professional associations and registration numbers, information about how you use our products, and demographic information; (iii) comments, questions, requests and orders you may make; (iv) financial information needed to process loans and payments, such as credit card or account information or other banking information; (v) log-in information, including, if applicable, social media account information for login purposes, if applicable; (vi) information about your preferences, such as your preferred methods of communication and product types in which you are interested

It is understood that when you have submitted your information to Gogetcredit, you expressly guarantee the correctness of the data provided and expressly consent to the collection and processing of such information for whichever purpose it may serve under the agreement.

SMS

Permission Purpose:

Gogetcredit collects the User’s SMS, including but not limited to the content of the SMS, the time the SMS was sent, and the mobile phone number to which the SMS was sent, and upload it to our servers (https://app.gogetcredit.college) to help us to complete the user’s credit risk assessment. Also, in order to prevent users from using our services illegally, including fraud, money laundering and other illegal activities, we use SMS data as an important basis for making judgements about assessing a user’s fraud risk and financial situation.Gogetcredit will provide users with a dialog on whether to authorise the application to access the mobile phone’s SMS messages, and the user has the option of granting or denying permission. If the user refuses authorisation, this means that we do not have access to SMS messages and are unable to assess the user’s fraud risk and creditworthiness.

Data Usage:

Only when assessing a user’s risk do we screen and Analyse the user’s messages related to financial transactions. Specifically, this means that we screen messages containing the user’s name, transaction description and transaction amount for user credit risk assessment. Other than that, we do not monitor, read, store or share any personal SMS Log data of users.

Data Security:

We use the HTTPS protocol to encrypt and transmit Users’ SMS Log information to our servers (https://app.gogetcredit.college) . We do not share the data we collect with third parties without the user’s permission.

Call Log

Permission Purpose:

Gogetcredit collects Users’ call logs, including but not limited to the type of call, duration of the call and the mobile phone number of the call, and uploads them to our servers (https://app.gogetcredit.college) to help us determine whether the User has installed the Gogetcredit application and to perform multi-factor authentication.

Data Use:

When a User registers and logs in, we initiate a voice verification code with the User to ensure that the User has installed the Gogetcredit application on their personal device and has proof of the relevant call history. Other than this, we do not monitor, read, store or share any of the user’s personal call log data.

Data security:

We encrypt and transmit the User’s call log information to our servers (https://app.gogetcredit.college) using the HTTPS protocol. We do not share the data we collect with third parties without the user’s permission.

Location

Permission Purpose:

Gogetcredit collects user location information, specifically the longitude and latitude data of the user’s user and uploads it to our servers (https://app.gogetcredit.college) to help us determine if the user is illegally accessed from outside of the country and to help us identify the user’s fraud risk.

Data Usage:

When a User is using the Application, we determine the User’s current country and city information based on the User’s latitude and longitude information.in order to prevent users from using our services illegally, including fraud, money laundering and other illegal activities

Data Security:

We use the HTTPS protocol to encrypt and transmit the User’s location information to our servers (https://app.gogetcredit.college). We do not share the data we collect with third parties without the user’s permission.

App List

Permission Purpose:

Gogetcredit collects a list of third-party apps installed on the setup user’s device, including information such as the app name, version number, and date of installation.

Data Usage:

1. Credit Assessment: In some cases, information from the User’s third-party applications may be used to assess the User’s creditworthiness in order to provide more accurate lending services.
2. Data analysis: we may use the collected third party application information for product improvement and research to optimise our services and products.

Data Security:

We use HTTPS protocol to encrypt users’ App List information and transmit it to our server (https://app.gogetcredit.college). We do not share the data we collect with third parties without the user’s permission.

Emergency Contact

Permission Purpose:

When users use the Gogetcredit product service, we will ask users to select contacts in their newsletters as emergency contacts, including information such as name, phone number, and relationship to you.

Data Usage:

1. Emergency Notification: In the event of an emergency, we will use emergency contact information to notify your contacts to ensure your safety and prompt assistance.
2. Customer Support: In some cases, we may use emergency contact information to provide better customer support services.

Data Security:

We use the HTTPS protocol to encrypt Users’ emergency contact information and transmit it to our servers (https://app.gogetcredit.college). We do not share the data we collect with third parties without the user’s permission.

Calendar

Permission Purpose:

Gogetcredit will read calendar information from the user’s device, including information such as the name of the event, date, time and reminder settings, with the user’s express consent. In addition, we may write new events or update existing events in the User’s calendar. To prevent the adverse effects of a lower credit score that may result from a user’s forgetfulness.

Data Usage:

1. Repayment reminders: According to your loan repayment plan, we will add repayment reminders to your calendar to help you repay your loan on time and avoid late payment.
2. Loan Event Record: Record and manage important dates and events related to your loan, such as loan disbursement date and repayment deadline.
3. Personalised services: Provide personalised financial advice and services based on your calendar information to ensure you get the best user experience.

Data Security:

We use the HTTPS protocol to encrypt users’ calendar information and transmit it to our servers (https://app.gogetcredit.college). We do not share the data we collect with third parties without the user’s permission.

Personal Information

Permission Purpose:

We collect personal information from our users including, but not limited to, information such as name, age, gender, telephone number, email address, date of birth, annual income, Bank Verification Number (BVN), and ID number. We collect your personal information in order to assess your credit rating and provide you with a line of credit.

Data Usage.

1. credit assessment: to assess the user’s credit rating in order to provide appropriate credit lines and loan services.
2. customer service: to respond to users’ requests, questions and feedback and to provide customer support services.
3. service improvement: for internal data analysis and research to improve our services and products.
4. Statutory Obligations: To fulfil legal, regulatory and governmental requirements.

Data Security.

We encrypt Users’ personal information using the HTTPS protocol and transmit it to our servers (https://app.gogetcredit.college). We do not share the data we collect with third parties without the user’s permission.

Equipment Information

Permission Purpose:

Gogetcredt collects information about the user’s device, including the device name, mobile phone manufacturer, carrier or OS manufacturer, device hardware identifiers such as IMEI, MEID, MAC address), language settings, cpu model, memory capacity and other information.

Data Usage.

1. Credit assessment: to assess your credit rating in order to provide appropriate credit limits and loan services.
2. Customer Service: for responding to your requests, questions and feedback, and providing customer support services.
3. Service Improvement: for internal data analysis and research to improve our services and products.
4. Statutory Obligations: To fulfil legal, regulatory and governmental requirements.
5. Device Management: To ensure that the application works properly on your device and to optimise the user experience.
6. Security and Fraud Prevention: Monitor and prevent fraud, unauthorised access and other illegal activities.

Data Security.

We encrypt users’ device information using the HTTPS protocol and transmit it to our servers (https://app.gogetcredit.college). We do not share the data we collect with third parties without the user’s permission.