This Privacy Policy outlines the methods we use to collect, store, utilize, transfer, disclose, and safeguard your Personal Information. Please review the following information carefully to understand our perspectives and practices regarding your Personal Information and how we handle it. By downloading the App, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy. You also agree to the collection, usage, storage, processing, and disclosure of your Personal Information as described in this Privacy Policy. This Privacy Policy, along with our Terms of Use and any additional terms, governs your use of the System and the Service.
This product is operated and loaned by a Nigerian company as shown below:
Company Name: ANDES NETWORK SPA LTD
RC Number: 7456631
Date of Registration: April 19, 2024
Company Type: Private Company Limited by Shares
Registered Address:
Suite A12, Wing B, Busy Mart Plaza No.
44, Ebitu Ukiwe Street, Jabi, Abuja, FCT, Nigeria
Head Office Address: NIL
Post Code: NIL
Email: gildaogbonna@gmail.com
Status: Active
Principal Business Activity: Money Lending
Due Date of Accounts:
Made up to October 19, 2024 / Due by October 19, 2025
DEFINITION
Unless specified otherwise, all capitalized terms used in this Privacy Policy will imply what is stated in our Terms of Use, if any.
THE PERSONAL DATA THAT WE GATHER
We gather specific personal data about you. The Personal Information that we gather can come from you directly (for instance, when you create an account to use the app or in any other way give us personal information), from third parties, or it can come from the App itself when you use it. We may gather data for a variety of reasons and in a variety of ways (including those allowed by applicable law).
DATA COLLECTED DIRECTLY FROM YOUR MOBILE DEVICE OR FROM YOU
Your name, ID number, date of birth, gender, educational background, relationship, photo, physical address, email address, working information, marital status, emergence contact, phone number, SIM card details, financial and credit information (including details from your bank account and mobile money account, if applicable), and an Account ID and/or password that you will use to access the App after registration are among the Personal Information you must give us when you register and create an Account with us using the App.
You must give us any pertinent information that we may reasonably need in order for the app to function when using it. For instance, you will provide us with information about payments made through the App's electronic money feature, including the kind of payment card or mobile wallet account used, the name of the account holder, the issuer, the account number, and the amount of money paid.
DATA THAT IS GATHERED EACH TIME YOU USE THE APP OR GO TO OUR WEBSITE
When you use the app or visit our website, we may gather certain technical information about how you use it. This information may include your internet protocol (IP) address, the webpages you have viewed in the past or currently view, the length of each visit or session, the internet device identity (ID) or media access control address, and details about the make, model, and operating system of the device you are using to access the app or website.
Every time you use the app or go to our website, cookies may also be used to automatically gather some information. Cookies are little application files that are kept on your mobile device or computer. In order to improve the user interface and experience, we utilize cookies to track user behavior. The majority of mobile devices and internet browsers allow cookies to be used; however, you can change the settings on either device or browser to prevent some types of cookies or certain types of cookies altogether. You can also remove any previously saved cookies at any time using your mobile device and/or browser. However, doing so can have an impact on the features that the app and our website offer.
We will track and gather your geolocation data in real time each time you use the app on your mobile device. To help us provide you with an improved App experience, you may occasionally be asked to enable the Global Positioning System (GPS) on your mobile device.
In the meantime, while using the app, you will be required to give us technical information about the kind of mobile device you use, its unique device identifier (such as its IMEI number, MAC address, or phone number), information about the mobile network, its operating system, the kind of mobile browser it uses, and its time zone. In addition, we will gather data from your mobile device, such as contact lists, call and SMS logs, Facebook and other social media account information, contact lists from other social media accounts, images, videos, and other digital material.
We gather data from all SMS texts, not simply those pertaining to financial transactions. To be more precise, in order to estimate credit risk, we will gather the sender's name, the transaction's description, and its total amount. This makes loan disbursement ever-faster possible. No private SMS information is tracked, seen, kept, or shared.
In order to improve your credit profile, we compile all of your phonebook contacts, including their names, phone numbers, and contact added dates. This also makes it easier for you to invite friends to use our app or select references for your loan application.
When the application is open in the foreground, we gather your geolocation data. Although we try not to gather your geolocation data when the app is running in the background, it is nevertheless possible for such data to be inadvertently obtained. On your mobile device, you always have the option to temporarily turn off geolocation tracking information. Nevertheless, this can have an impact on the App's functions.
Information collected from third parties
Given the nature of the Services we offer, we need to collaborate with various third parties (such as Banks, Mobile Network Providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and others who provide services to us, perform tasks on our behalf, or work with us). Consequently, we may receive information about you from these third parties. In these instances, we will only gather your Personal Information for purposes related to the services these third parties are engaged in or our collaboration with them (as applicable). We will ensure that reasonable steps are taken to make certain that these third parties commit to obtaining your consent for sharing your Personal Information with us in accordance with this Privacy Policy and Applicable Law.
INFORMATION ABOUT THIRD PARTIES YOU PROVIDE TO US
You may share Personal Information concerning other individuals (such as your spouse, family members, friends, or emergency contacts) with us. Naturally, you must obtain their consent to do so—refer to the “Acknowledgement and Consent” section below for more details. We may utilize the Personal Information we collect for any of the following purposes, as well as for other purposes allowed by Applicable Law:
1. We may use your Personal Information to: identify and register you; manage and verify your Account; conduct checks before registration; disburse loans and collect payments; perform credit scoring; comply with laws; communicate updates and changes; respond to inquiries; enhance and personalize the App; contact you via phone or SMS; analyze user activities; and send marketing communications and special offers.
b. We may use your Personal Information to: carry out business processes; monitor and improve App performance and user experience; resolve technical issues; generate statistical and analytics data; prevent and investigate illegal activities; facilitate business transactions; and comply with legal obligations, including regulatory inquiries and audits. We will always act reasonably and use no more information than necessary for each purpose.
SHARING OF PERSONAL INFORMATION WHICH WE COLLECT
a. If allowed by law, we may disclose your personal information to Affiliates and other parties. If necessary, we will only disclose information with third parties (banks, mobile network providers, collection agencies, agents, vendors, suppliers, contractors, partners) for their engagement or our collaboration, including marketing and research; with Affiliates for providing the App, running our business, or data processing, including direct marketing if subscribed; and for legal requirements (including regulatory inquiries and compliance); legal proceedings related to the Service; and business transactions, even if they are not completed. In order to comply with legal requirements, avoid harm, and publish aggregated, anonymized statistics, affiliates must treat information in accordance with this privacy policy and the law.
b. If there is no need for the Personal Information we reveal or share to be connected to you, we will try our best to eliminate any way that the data can be connected to you personally before sharing or disclosing it.
c. In addition to what is stated in this Privacy Policy, we may divulge or share your Personal Information if we get your permission and give you advance notice.
CROSS-BORDER TRANSFERS OF PERSONAL INFORMATION
Your home country or location may not be the only jurisdiction in which your personal information is transferred, kept, used, or processed. This covers transfers to businesses within the Andesloan group as well as places where our servers, partners, and service providers are located outside of your country of residence. We'll make sure that the protection of your personal information is in par with Ugandan laws and our privacy statement. You understand and agree that your Personal Information may be transferred as specified from your home or another country.
RETENTION OF PERSONAL INFORMATION
Your Personal Information will only be kept by us for as long as is required to accomplish the goals for which it was gathered, or for as long as is allowed or mandated by applicable law. When it is reasonable to assume that the purpose for which the Personal Information was collected is no longer being served by its retention and it is no longer necessary for legal or business purposes, we will stop collecting Personal Information or remove the means by which it can be associated with you personally.
ACCESS AND UPDATE/CORRECTION OF PERSONAL INFORMATION
a. By contacting us using the information below, you may seek access to and/or correction of any Personal Information that is under our control or ownership. We retain the right to impose an administrative fee for such requests, according to Applicable Law.
b. If allowed or required by any applicable law, we reserve the right to deny your requests for access to or correction of any or all of your personal information that is under our control. This may apply in cases where there are references to other people in the Personal Information or when we consider the request to be pointless, frivolous, or vexatious.
WHERE WE STORE YOUR PERSONAL INFORMATION
a. We may keep, handle, or receive the Personal Information we gather from you. We shall make every effort to guarantee that these outside service providers offer a degree of security that is commensurate with our promises made in this Privacy Policy.
b. To the extent permitted by applicable law, our employees working abroad as well as third-party service providers, suppliers, contractors, or Affiliates may store or process your personal information outside of your nation. In such circumstances, we will make sure that your Personal Information is safeguarded in accordance with our Privacy Policy's promises and to the extent required by the laws of your nation.
SECURITY OF YOUR PERSONAL INFORMATION
For us, maintaining the privacy of your personal information is essential. We will make a good faith attempt to guard it against unlawful processing, loss, destruction, or damage, as well as against unauthorized access, use, or disclosure. Transmission across the Internet is not entirely secure, though. Despite our best efforts, we are unable to ensure the security and integrity of your personal information while it is being transmitted or to stop unauthorized parties from accessing or intercepting it. You are in charge of protecting the privacy of your account information, not disclosing your password, and keeping your mobile device secure.
CHANGES TO THIS PRIVACY POLICY
This Privacy Policy may be reviewed and amended at any time, at our sole discretion, to make sure it still reflects our current and future developments as well as any changes to applicable laws and regulations. You acknowledge and agree that it is your responsibility to periodically check this Privacy Policy for the most recent details on our data processing and protection policies. You also agree that any changes to this Privacy Policy will be deemed accepted by you if you continue to use the App or Website, communicate with us, or access and use the Service after they have been made.
LANGUAGE
Should there be any discrepancies between this Privacy Policy's English and other language versions, the English version will take precedence.
ACKNOWLEDGEMENT AND CONSENT
a. By accepting this privacy statement, you attest to having read it, comprehending its contents, and giving us permission to gather, use, disclose, store, transfer, or otherwise handle your personal data in line with this privacy statement.
b. If you give us Personal Information about another person (your spouse, family, friends, or emergency contact, for example), you represent and warrant that you have their consent, and that they hereby give us permission to collect, use, disclose, and process their Personal Information.
c. In addition, you give us permission to reach out to you and your emergency contact (if they have given their consent) for the purpose of verifying your information in the event that we are unable to get in touch with you through other channels or in the event that we have not received your payment in relation to a loan.
MARKETING AND PROMOTIONAL MATERIAL
a. We may notify you about special offers, promotions, or events that we, our partners, sponsors, or advertisers are organizing or hosting, or we may send you updates about our App and/or the goods and services it contains. We may do this by mail, phone calls, short message service (SMS), email, online messaging, or push notifications through the App.
b. You can always choose not to receive these marketing messages by contacting us using the information below, or by clicking the "unsubscribe" link that is included in each relevant message. We may continue send you non-promotional notifications, such as details about your account or the app, loan disbursement or payback receipts, even if you choose to opt out.
THIRD PARTY WEBSITES
a. Links to websites run by third parties may be found on the app and website. We disclaim all obligation and responsibility for these websites, their contents, and the methods by which these third parties gather, utilize, preserve, distribute, or disclose data and information. To learn how such third-party websites manage your Personal Information, please refer to their terms and conditions and privacy policies.
b. Links to the advertiser's website can be found in the advertisements that appear on our app or website. Therefore, the advertiser's privacy policy will apply to any information they acquire from you as a result of your engagement with such links.
LIMITATION OF LIABILITY
We disclaim all liability for any punitive, exemplary, special, incidental, consequential, or other damages arising from:
a. Your access to or use of the App, or your incapacity to use it; or
b. Any interaction or transaction you have with a third party, even if we have been made aware that there may be damages. Any performance lapses or delays resulting from events outside of our reasonable control are not our responsibility.
OUR METHODS OF CONTACT
If you have any questions about this privacy statement or wish to review and/or update your personal data, please contact us at help@andesloan.com`
