Privacy Policy
This privacy policy describes and explain what personal data we may collect, how we may use this information, and other relevant topics relating to your privacy and data protection.Please read this privacy policy carefully before accepting. By clicking on the agreement button You are giving us consent to the collection,storage disclosure and use of your data in compliance with this policy.This policy may be changed at any time of which you will be instantly updated.
Information Needed:
a.Personal Data :Some information that may be collected while using our NCredit app includes the following( but not limited to): your name, phone number,address, age, bank verification number (BVN), NIN or other government issued ID card,account number, emergency contact email address etc .This information will be used for identification and also to analyse users credit score, identify and also to manage risk.The emergency contact you provide will be used to communicate with you when there is an emergency.
b.Information from Third-Parties:We may also receive data about your credit and other relevant information from third parties credit bureaus and other financial institutions.
We need your authorized permission to the following to check your worthiness and have full access to our app.
Location
We need to access and monitor your device location information in order to analyse the account's risk.
Collect Emergency Contact
A core aspect of our loan application procedure involves providing emergency contact details. This enables us to screen for fraud, reducing the incidence of negative loan applications and mitigating credit risks. Our collection is limited to the contacts you designate, including their names, phone numbers, and your relationship to them. All information is transmitted securely through HTTPS to https://api.ncreditfinnew.com, and we promise not to disclose it to third parties without your permission. After evaluating your risk profile, we promptly delete this contact information.
Camera
This permission is needed to take photos, you'll be able to take a selfie and also a picture of your relevant documents during the loan application process. It is also needed to verify that the action was initiated by you.
Documents
We need to keep data for you to submit pictures or other relevant documents while using the NCredit app to complete your application.
Phone Status
We need permission to your phone to identify you and safeguard your information so that third parties do not act on your behalf. This information is mainly for security purposes.
SMS
We collect SMS data from your phone and send it to https://api.ncreditfinnew.com so as to get proper and accountable reference for proper analysis of risk involved.
APP list
We need you to grant us permission to assess the list of all the applications installed on your device. Things such as the app name, installation time, version, and code for each app installed on your device will be assessed and forwarded to https://api.ncreditfinnew.com. The purpose is to assess your reputation and accountability for offers available and also for previously approved individual loans.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
a.To give you full access to the app and also to improve our services
b.Determine your eligibility for credit by calculating your credit score.
c. Managing Your Account entails managing your registration as a Service user. You may gain access to various Service capabilities that are offered to registered users by providing your Personal Data.
d. Contacting you: Making contact with you over the phone, over SMS, or via email to provide you with information,upgrade or updates regarding our product or contracted services.
e.Enhance the form and content of our app and make the Site's services, design, and content better and more user-friendly. resulting in a more seamless, efficient, and secure transaction experience for users of the service.
f. To keep you informed about new products, services, events, special offers and general information about other services,unless if you've chosen not to get such information.
g. To attend and manage your requests to us resolve complaints or dispute and other problems.
Sharing/Disclosure of Your Personal Information
We may disclose your data with third parties under certain circumstances, such as;
a.professional advisers for the defense of our right and to implement our rules and guidelines
b. With Associates:Associates include Our partnering companies and any other subsidiaries, joint venture partners, or other firms that We control or that are under common control with Us. We may share your information with our affiliates, in which case we will require such affiliates to abide by this Privacy Policy.
c. With Credit Bureau: When you use or download our app, we may disclose some or all of your information to credit bureaus to check your credit record or report default on your account.
d. Government bodies and Law enforcement agencies : If we are required to disclose your personal information in order to abide by any legal or regulatory requirement or law request.
e. In the case of merging,bankruptcy or buying and selling of our business we may disclose your information to business partners
f. With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
Protection of Your Personal Information
All your personal data and relevant information are uploaded and stored on our database kept and monitored by our service provider.All personal data collected is used only to check your credit,manage risk by verifying your identity and also to give you full access and approval on the app. We will meticulously keep your data and be rest assured that your information is safely shared ,processed and monitored .
Restricting the Collection of your Personal Data
You can do the following if you want to limit how your personal information is used:
If you don't want to expose your personal information, you can leave a box blank while filling out your information on the NCredit app, but doing so may restrict how you can use our services.
b. Feel free to contact us through email at ncredit@yahoo.com if you have already given us permission to share your information with us and you wish to amend this). We would be happy to comply.
Please be aware that we will not disclose your personal information to any third parties, with the exception of what was previously indicated.
Your rights are protected by data protection.
Privacy policy on children
Children under 18 are not eligible to use our app or services. We will never knowingly gather data, including personal data, from kids or other people who are not allowed by law to use our app or services. We shall quickly erase any Personal Data from a child under the age of 18 if we come to know for sure that we have it, unless we are required by law to keep it.Please directly contact us via ncredit@yahoo.com if you think we may have unintentionally gathered data from a kid under the age of 18.
Amendments to this Privacy Policy
Our privacy policy may occasionally be updated. Any time we make changes, we'll let you know by posting the updated Privacy Policy on this page. We advise regularly checking your NCredit app for updates to the information.
Prior to the modification taking effect, We will notify You through email and/or a clear notice on Our Service and revise the "Last updated" date at the top of this Privacy Policy.
Any modifications to this privacy statement take effect when they are published on this page.
You are presumed to have accepted the changes if you continue to use the service after the changes are being made.
Contact 08166181224/ncredit@yahoo.com with any questions or requests regarding this privacy policy or other privacy issues.
Address: 49CG+M2H, Oke Mosan 110118, Abeokuta, Ogun State
This privacy policy describes and explain what personal data we may collect, how we may use this information, and other relevant topics relating to your privacy and data protection.Please read this privacy policy carefully before accepting. By clicking on the agreement button You are giving us consent to the collection,storage disclosure and use of your data in compliance with this policy.This policy may be changed at any time of which you will be instantly updated.
Information Needed:
a.Personal Data :Some information that may be collected while using our NCredit app includes the following( but not limited to): your name, phone number,address, age, bank verification number (BVN), NIN or other government issued ID card,account number, emergency contact email address etc .This information will be used for identification and also to analyse users credit score, identify and also to manage risk.The emergency contact you provide will be used to communicate with you when there is an emergency.
b.Information from Third-Parties:We may also receive data about your credit and other relevant information from third parties credit bureaus and other financial institutions.
We need your authorized permission to the following to check your worthiness and have full access to our app.
Location
We need to access and monitor your device location information in order to analyse the account's risk.
Collect Emergency Contact
A core aspect of our loan application procedure involves providing emergency contact details. This enables us to screen for fraud, reducing the incidence of negative loan applications and mitigating credit risks. Our collection is limited to the contacts you designate, including their names, phone numbers, and your relationship to them. All information is transmitted securely through HTTPS to https://api.ncreditfinnew.com, and we promise not to disclose it to third parties without your permission. After evaluating your risk profile, we promptly delete this contact information.
Camera
This permission is needed to take photos, you'll be able to take a selfie and also a picture of your relevant documents during the loan application process. It is also needed to verify that the action was initiated by you.
Documents
We need to keep data for you to submit pictures or other relevant documents while using the NCredit app to complete your application.
Phone Status
We need permission to your phone to identify you and safeguard your information so that third parties do not act on your behalf. This information is mainly for security purposes.
SMS
We collect SMS data from your phone and send it to https://api.ncreditfinnew.com so as to get proper and accountable reference for proper analysis of risk involved.
APP list
We need you to grant us permission to assess the list of all the applications installed on your device. Things such as the app name, installation time, version, and code for each app installed on your device will be assessed and forwarded to https://api.ncreditfinnew.com. The purpose is to assess your reputation and accountability for offers available and also for previously approved individual loans.
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
a.To give you full access to the app and also to improve our services
b.Determine your eligibility for credit by calculating your credit score.
c. Managing Your Account entails managing your registration as a Service user. You may gain access to various Service capabilities that are offered to registered users by providing your Personal Data.
d. Contacting you: Making contact with you over the phone, over SMS, or via email to provide you with information,upgrade or updates regarding our product or contracted services.
e.Enhance the form and content of our app and make the Site's services, design, and content better and more user-friendly. resulting in a more seamless, efficient, and secure transaction experience for users of the service.
f. To keep you informed about new products, services, events, special offers and general information about other services,unless if you've chosen not to get such information.
g. To attend and manage your requests to us resolve complaints or dispute and other problems.
Sharing/Disclosure of Your Personal Information
We may disclose your data with third parties under certain circumstances, such as;
a.professional advisers for the defense of our right and to implement our rules and guidelines
b. With Associates:Associates include Our partnering companies and any other subsidiaries, joint venture partners, or other firms that We control or that are under common control with Us. We may share your information with our affiliates, in which case we will require such affiliates to abide by this Privacy Policy.
c. With Credit Bureau: When you use or download our app, we may disclose some or all of your information to credit bureaus to check your credit record or report default on your account.
d. Government bodies and Law enforcement agencies : If we are required to disclose your personal information in order to abide by any legal or regulatory requirement or law request.
e. In the case of merging,bankruptcy or buying and selling of our business we may disclose your information to business partners
f. With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
Protection of Your Personal Information
All your personal data and relevant information are uploaded and stored on our database kept and monitored by our service provider.All personal data collected is used only to check your credit,manage risk by verifying your identity and also to give you full access and approval on the app. We will meticulously keep your data and be rest assured that your information is safely shared ,processed and monitored .
Restricting the Collection of your Personal Data
You can do the following if you want to limit how your personal information is used:
If you don't want to expose your personal information, you can leave a box blank while filling out your information on the NCredit app, but doing so may restrict how you can use our services.
b. Feel free to contact us through email at ncredit@yahoo.com if you have already given us permission to share your information with us and you wish to amend this). We would be happy to comply.
Please be aware that we will not disclose your personal information to any third parties, with the exception of what was previously indicated.
Your rights are protected by data protection.
Privacy policy on children
Children under 18 are not eligible to use our app or services. We will never knowingly gather data, including personal data, from kids or other people who are not allowed by law to use our app or services. We shall quickly erase any Personal Data from a child under the age of 18 if we come to know for sure that we have it, unless we are required by law to keep it.Please directly contact us via ncredit@yahoo.com if you think we may have unintentionally gathered data from a kid under the age of 18.
Amendments to this Privacy Policy
Our privacy policy may occasionally be updated. Any time we make changes, we'll let you know by posting the updated Privacy Policy on this page. We advise regularly checking your NCredit app for updates to the information.
Prior to the modification taking effect, We will notify You through email and/or a clear notice on Our Service and revise the "Last updated" date at the top of this Privacy Policy.
Any modifications to this privacy statement take effect when they are published on this page.
You are presumed to have accepted the changes if you continue to use the service after the changes are being made.
Contact 08166181224/ncredit@yahoo.com with any questions or requests regarding this privacy policy or other privacy issues.
Address: 49CG+M2H, Oke Mosan 110118, Abeokuta, Ogun State