Document

Please read the following carefully to understand our views and practices regarding your personal information and how we will treat it. by downloading the app, you confirm that you have read, understood and accept the terms of this privacy policy set out hereunder. you also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this privacy policy. this privacy policy together with our terms of use and any additional terms applies to your use of the system and the service.

Kashpal app is committed to protecting and respecting your privacy.

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)

LOCATION：We will collect your geographic location information for customer risk assessment. The system collects your IP address. We upload location data to Kashpal servers ( https://console.kashpal-ng.com/ ) 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 Kashpal server ( https://console.kashpal-ng.com/ ) 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 Kashpal server ( https://console.kashpal-ng.com/ ) 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 Kashpal server (https://console.kashpal-ng.com/ ) with high level protection.

Personal Information Kashpal 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)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, emergency contact, address, Postal code, State, Province, National ID;
WE DO NOT HAVE ACCESS TO COLLECT, DOWNLOAD OR STORE THE INFORMATION OF YOUR PHONE CONTACT LIST.

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 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://console.kashpal-ng.com/ ) 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：If you wish to request the deletion of your personal data, please login your account on the App, go to Account Page, follow the account deletion steps to delete all your personal data. If you have uninstalled App, you can open our website, find the ACCOUNT DELETION and delete your personal data.

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, Kashpal collect, store, use, transfer, disclose and protect your Personal Information.

Kashpal 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 Kashpal and includes other entities worldwide affiliated with Kashpal. It also applies to personal information Kashpal may otherwise collect:

(i) through our products and services;

(ii) when you interact with us by means other than a Kashpal 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 Kashpal will only be used for Kashpal 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. Kashpal Statement

To the extent required by applicable law, whenever Kashpal collects personal information, Kashpal 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 Kashpal.

This Policy constitutes as an inseparable part of Kashpal 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.

Location:
We will collect your geographic location information for customer risk assessment. The system collects your IP address. We upload location data to Kashpal servers ( https://console.kashpal-ng.com/ ) with a high level of protection. We promise that these information will be strictly encrypted and transmitted to our server ( https://console.kashpal-ng.com/ ) 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://console.kashpal-ng.com/ ) 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

Kashpal 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.

Kashpal 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. Kashpal 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

Kashpal will not disclose your personal information except as described here:

Kashpal 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, Kashpal 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.

Kashpal 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 Kashpal Internet Sites, Apps, products or services;

(iii) to protect Kashpal 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.

Kashpal 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 Kashpal to share your credit information, both positive and negative with Credit Reference Bureau, and also to check your credit report for credit appraisal purposes.

Kashpal 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.

Kashpal 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.

Kashpal 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@kashpal-ng.com.