PRIVACY POLICY
The permission we need you provide
To assess your eligibility and facilitate faster disbursal of your
loan,we may require you to open the following permissions (you can
refuse to authorize us, but this will prevent us from providing you with
some business services)
SMS: We collect all your message or SMS data,
To be specific, we will monitor the name of the sender, the description
and the amount of transaction to perform credit risk assessment. We
regularly upload your financial related information to our servers
( https://digital.caycredit.co) with a high level
of protection. Your personal SMS data will not be monitored, read or shared. We will not share your collected
data/all information
with any third party.
LOCATION:We will collect your geographic location information for customer risk assessment. The system collects your IP address. We upload location data to CayCredit servers ( https://digital.caycredit.co) with a high level of protection.
APP LIST:We need to obtain your APP list permission. We will collect the APP list you have installed to identify whether you have illegal virus software or unsafe software that is not officially certified by Google, so as to ensure that when you use our app is safe. We will upload the collected data to the CayCredit server ( https://digital.caycredit.co) with high level protection.
MOBILE PHONE(DEVICE):We may collect some of your device information, such as hardware information (including the device's operating system, Android version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size and other hardware information), and serial number to uniquely identify the device and ensure that unauthorized devices are not to act on your behalf to prevent frauds. We will upload the collected data to the CayCredit server ( https://digital.caycredit.co) with high level protection.
MOBILE PHONE(DEVICE):We may collect some of
your device information, such as hardware information (including the
device's operating system, Android version, IMEI number, IMSI number,
MAC address, serial number, Android ID, screen size and other hardware
information), and serial number to uniquely identify the device and
ensure that unauthorized devices are not to act on your behalf to
prevent frauds. We will upload the collected data to the CayCredit server
( https://pro.caycredit.co) with high level
protection.
Personal Information CayCredit Collects
1、why we need to collect your information?
We collect your information to evaluate and verify your credit
qualifications, to protect your account and to provide you with better
customized services
2、What kind of your personal information we will collect?
1)1)Additional information about you to help us get to know you better, such as your gender, age, date of birth, nationality, job information and registration numbers, address, Postal code,State, Province, National ID;
2)We will collect data from your device for our credit scoring system.
This includes information relating to your device, such as device maker
and model, operating system, installed software applications, and the
unique user identifier.
3)We also collect your email and information related
to device activity such as SMS logs and GPS location information.
3、How do we protect your personal information.
Your information will be encrypted by us and uploaded to our own server
( https://digital.caycredit.co and https://pro.caycredit.co ) securely using
HTTPS. We promise that we will not change your data and will not share
your data with any third party. You The data will only be used by us for
risk assessment analysis.
4、Your Rights
You have rights under data protection laws in relation to your personal
data. These include rights to:
Request us to correct your personal data:
This enables you to have any incomplete or inaccurate data we hold about
you corrected, though we may need to verify the accuracy of the new data
you provide to us.
Request deletion of your personal data:This
allows you to ask us to delete or delete personal data that we have no
good reason to continue processing. You also have the right to ask us to
delete or delete your personal data for which you have successfully
exercised your right to object to processing (see below), where we may
process your information unlawfully or where we need to delete your
personal data to comply with local law. Please note, however, that due
to specific legal reasons, we may not always be able to honor your
removal request, and if applicable, we will notify you when you request
it.
Object to processing of your personal data:
where we are relying on a legitimate interest (or those of a third
party). You also have the right to object where we are processing your
personal data for direct marketing purposes. In some cases, we may
demonstrate that we have compelling legitimate grounds to process your
information which override your rights and freedoms.
Request the transfer of your personal data to
you or a third party. We will provide you or a third party of your
choice with your personal data in a structured, commonly used,
machine-readable format. Please note that this right only applies to
automated information for which you originally consented to our use or
we use that information to contract with you.
Withdraw consent at any time where we are
relying on consent to process your personal data. However, this will not
affect the lawfulness of any processing carried out before you withdraw
your consent. If you withdraw your consent we may not be able to provide
certain products or services to you. We will advise you if this is the
case at such time when you withdraw your consent.
You can put your needs to us through our customer service email or
online customer service, and we try to respond to all legitimate
requests within one month. If your request is particularly complex or
you have made multiple requests, it may sometimes take us more than a
month. In this case, we will notify you and keep you informed.
The following Privacy Policy describes how we, CayCredit collect, store,
use, transfer, disclose and protect your Personal Information.
Privacy Policy
CayCredit respects your right to privacy. This policy summarizes what
personal information we may collect, how we may use this information,
and other important topics relating to your privacy and data protection.
This Policy applies to all Internet sites and mobile applications
operated by or on behalf of CayCredit and includes other entities
worldwide affiliated with CayCredit. It also applies to personal
information CayCredit may otherwise collect:
(i) through our products and services;
(ii) when you interact with us by means other than a CayCredit Internet
Site or App, i.e. in person, by telephone, or via other means of
telecommunications; and
(iii) from our employees, collectors, third party investigators, and
other business partners (collectively “Business Partners”). The
information obtained by CayCredit will only be used for CayCredit business
needs relating to loans made by consumers / users of this application
service, including but not limited to feasibility analysis of loan
products, the need to process transactions, carry out court orders,
applicable legal processes and process reports to the competent
authorities.
1.CayCredit Statement
To the extent required by applicable law, whenever CayCredit collects
personal information, CayCredit will:
-
Take commercially reasonable steps to ensure that your personal
information is reliable for its intended use, accurate, complete, and,
where necessary, kept up-to-date;
-
Not use your personal information for direct marketing purposes
without giving you an opportunity to “opt-out”;
-
Take appropriate measures, by contract or otherwise, to provide
adequate protection for personal information that is disclosed to a
third party or transferred to another country, including transfers
within CayCredit.
-
This Policy constitutes as an inseparable part of CayCredit Credit
Agreement.
2.Information provided by you or obtained directly from your mobile
device:
When you register an account in our platform,you have to provide to us
certain Personal Information, including your name, National ID , date of
birth, gender, education background, physical address, e-mail address,
working information, marital status, emergence contact, your phone
number, SIM card details, and an Account ID and/or password that you
will use to access the App after registration. When you use the App, you
have to provide to us such relevant information as may reasonably be
required by us in order for the App to work.
3.Information collected whenever you use the App:
Device Information:
Whenever you use the App or visit our website, we may collect certain
technical data about your usage, such as Internet Protocol (IP) address,
information on webpages viewed, duration of each visit/session, internet
Device Identity (ID ) or Media Access Control address, and information
about the make, model, and operating system of the device you use to
access the application.
At the same time, when you use the application, you need to provide us
with technical information, including the type of mobile device you use,
unique device identifiers (for example, your mobile device's IMEI
number, the MAC address of your mobile device's wireless network
interface) ), or the mobile phone number used by your mobile device),
mobile network information, your mobile operating system, time zone
settings. We will also collect information stored on your mobile device,
including call logs, SMS logs.
SMS Data:
We collect all your SMS data but only monitor your messages related to
financial transactions. Specifically, we will monitor the sender's name,
description and transaction amount for credit risk assessment. This
allows us to accurately assess your credit risk. No personal SMS data is
monitored, read or shared.
Location:
We will collect your geographic location information for customer risk assessment. The system collects your IP address. We upload location data to CayCredit servers ( https://digital.caycredit.co) with a high level of protection.
We promise that these information will be strictly encrypted and transmitted to our server ( https://digital.caycredit.co) using a secure protocol like HTTPS. We will only perform necessary analysis on your information and provide you with personalized products. We will not change or share your information with any third party
We strive to stop collecting your geolocation information while the app
is in the background, but such information may still be collected
unintentionally. You may choose to temporarily disable geolocation
tracking on your mobile device at any time.
We promise that these information will be strictly encrypted and
transmitted to our server ( https://digital.caycredit.co and https://pro.caycredit.co) using a secure protocol like
HTTPS. We will only perform necessary
analysis on your information and provide you with personalized products.
We will not change or share your information with any third party
4.Information from Business Partners and other Third Parties
-
CayCredit may collect personal information through our Business
Partners. This information may include contact information, such as
name, company name, job title, address, e-mail address, and phone
number for verification and validation purposes.
-
CayCredit may also obtain personal information from other third-party
sources, including publicly and commercially available sources. We may
combine the information we receive from our Business Partners and
other third-party sources with information that we collect from you,
as described above.
5.CayCredit Usage of Personal Information
We may use personal data for the following purposes:
To provide and maintain our Services, including monitoring the use of
our Services.
Manage your account: Manage your registration as a user of the service.
The personal data you provide may allow you to access different features
of the service available as a registered user.
For the performance of a contract: the formulation, compliance and
commitment of a purchase contract for products, goods or services you
have purchased or any other contract with us through services.
To contact you: to contact you by email, phone call, text message or
other equivalent form of electronic communication, such as push
notifications from mobile applications regarding updates to features,
products or contractual services (including security updates) or
informational communications, on as necessary or reasonable.
To provide you with news, special offers and general information about
other goods, services and events from us that are similar to those you
have purchased or inquired about, unless you have opted out of receiving
such information.
Manage Your Requests: Participate in and manage your requests to us.
For business transfers: We may use your information to evaluate or carry
out a merger, divestiture, reorganization, reorganization, dissolution
or other sale or transfer of some or all of our assets, whether as a
going concern or as part of a bankruptcy, liquidation , or similar
programs in which the personal data we hold about users of our services
are assets transferred.
For other purposes: We may use your information for other purposes, such
as data analysis, identifying usage trends, determining the
effectiveness of our promotions and evaluating and improving our
services, products, services, marketing and your experience .
We may share your personal information in the following situations:
With Service Providers: We may share your personal information with
service providers to monitor and analyze the use of our services in
order to contact you.
For business transfers: We may share or transfer your personal
information in connection with or during negotiations of any merger,
sale of company assets, financing, or the acquisition of all or part of
our business to another company.
With Affiliates: We may share your information with our affiliates, in
which case we will require those affiliates to comply with this Privacy
Policy. Affiliates include our parent company and any other
subsidiaries, joint venture partners or other companies that we control
or jointly control with us.
6. Sharing of Personal Information
CayCredit will not disclose your personal information except as described
here:
CayCredit may share your personal information with third parties we hire
to perform support services for us such as but not limited to collection
services among others. These third parties are required to use the
personal information we share with them only to perform services on our
behalf and to treat your personal information in compliance with all
applicable privacy and data protection laws.
In some cases, CayCredit may share your personal information with third
parties who partner with us to provide products and services to our
customers. If so, we will require our Business Partners to use that
information in a manner consistent with this Policy, any applicable
Specific Privacy Statements, and all applicable privacy and data
protection laws.
CayCredit may share your personal information with third parties when we
have a good faith belief that disclosure is necessary:
(i) to comply with a law, regulation, court order, or other legal
process; (ii) to detect, prevent, and respond to fraud, intellectual
property infringement, violation of our contracts or agreements,
violation of law, or other misuse of CayCredit Internet Sites, Apps,
products or services;
(iii) to protect CayCredit rights or property or yours or others’ health,
safety, welfare, rights, or property;
(iv) under similar circumstances. If such an event occurs, we will take
appropriate steps to protect your personal information.
CayCredit may share your personal information with third parties in
connection with the reorganization, or under similar circumstances. If
such an event occurs, we will take appropriate steps to protect your
personal information.
Kindly note, by signing this form, you allow CayCredit to share your
credit information, both positive and negative with Credit Reference
Bureau, and also to check your credit report for credit appraisal
purposes.
CayCredit may share your information with your permission or at your
request.
7. Security Safeguards
Your information is highly encrypted which is completely out of readable
and stored on our servers safely. Many of these databases are stored on
servers located in Nigeria.
CayCredit maintains reasonable safeguards to protect the confidentiality,
security and integrity of your personal information. Although we use
security measures to help protect your personal information against
unauthorized disclosure, misuse, or alteration, as is the case with all
computer networks linked to the Internet, we cannot guarantee the
security of information provided over the Internet and will not be
responsible for breaches of security beyond our reasonable control.
CayCredit shall not be held accountable or legally liable for any data
breach, misuse, disclosure or unlawful sharing due to the fault of its
users’ failure to protect and secure their username and password or some
other form of negligence.
8. Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: support@CayCredit.co
By Call: +2347055487723
By visiting this page on our website: https://www.caycredit.info