Privacy Policy

Welcome to Nmoney, (hereinafter referred to as "App, We, Me, Product"). This App is developed and operated by Finnew Fintech Limited (hereinafter referred to as "we"). We are well aware of the importance of personal information to you, so we will strictly abide by relevant laws and regulations and protect your personal information in accordance with the provisions of this Privacy Agreement. This Privacy Agreement will explain to you in detail how we collect, use, store, share and protect your personal information, as well as the rights you enjoy. Please read this Privacy Agreement carefully before using this App. If you do not agree to any of the terms of this Privacy Agreement, you can stop using this App immediately.

1. Information Collection

In order to provide you with loan application, review, loan, repayment and related customer service functions, we may collect the following types of personal information:

Personal identity information: including but not limited to your name, ID number, etc. for identifying your personal information.

Contact information: your mobile phone number, email address, so that we can communicate with you about loan matters, send notifications and reminders.

Emergency contact: You will fill in your emergency contact information during the loan application process. The contact information you provide (such as name, phone number) will be kept confidential and securely transmitted to our server via https://api.nmoneyapp.com . We will not share your data with any third party.

Payment information: Your bank account information (such as the name of the bank where you opened the account, account number, etc.) is used to assess your repayment ability and credit status, and determine whether you meet the loan conditions and loan amount.

Location information: If you turn on the device positioning function and authorize, we may collect your fuzzy geographic location information to provide loan product information that complies with local regulations based on your region, or to optimize our services. You can also refuse, and the location data will be uploaded and stored in our server via secure encryption: https://api.nmoneyapp.com. We will not share your data with any third party.

Device information: Including the device model, operating system version, unique device identifier (such as IMEI, IDFA, Android ID, etc.), network access method and type, application list, etc., which are used to ensure the normal operation of the App, identify device anomalies, prevent fraud and optimize user experience. The relevant data will be uploaded and stored in our server via secure encryption: https://api.nmoneyapp.com.

Camera permissions: The camera permissions you grant will only be enabled when you actively use related functions or to ensure the normal operation of core services, such as taking photos of ID card information, and the data taken will be stored and protected in strict accordance with the privacy policy, and will never be shared with third parties without your explicit consent. You can view, modify or withdraw camera permissions at any time in the device's permission settings.

Advertising ID: In order to provide you with a more personalized and high-quality service experience, it is necessary to obtain the Google Advertising ID (Advertising ID) on your device. With the help of Google Advertising ID, personalized advertising delivery can be improved. You can also turn on the "Opt out of advertising personalization" function to limit personalized advertising delivery based on advertising ID, strictly follow Google's privacy policy and our own detailed privacy protection terms, and ensure that your data is only used for the above advertising purposes. Your personally identifiable information will never be shared with any third party unless you explicitly authorize it. The data will be uploaded and stored in our server in a secure encrypted manner: https://api.nmoneyapp.com. 

Installed applications: In order to provide you with a better, personalized and stable service experience, we need to request App List permissions on your device from Google during your use of this application. The obtained App List is only used for the above-mentioned personalization, compatibility optimization and social interaction to directly serve the purpose of improving your user experience. This data will never be sold, rented or shared in any form with third parties for commercial advertising or other irrelevant purposes.

The main ways we collect the above information include:

The information you actively provide when registering, logging into this App and filling out the loan application form.

Through automatic collection technologies such as Cookies, log files, etc., we collect your behavioral information during the use of the App, such as your browsing history, click records, usage time, etc., to improve our services and products.

2. Information Use

We will use your personal information for the following purposes:

Loan business processing: used to review your loan application, including identity verification, credit assessment, and risk control to determine whether to approve your loan application and determine loan terms such as loan amount, interest rate, and repayment period.

Contract performance: After you successfully obtain a loan, it is used for loan and repayment operations, including disbursement of loan funds to your designated bank account and deducting the repayment amount from your account according to the agreed repayment method.

Customer Service: Provide you with loan-related consultation, complaint handling, notification reminders and other services to ensure that you can keep abreast of important information such as loan progress and repayment reminders.

Data Analysis and Improvement: Through statistical analysis of the collected user information, we understand user needs and behavior patterns to optimize our products and services and enhance user experience, such as improving the loan application process and adjusting product functions.

Compliance and Security: In order to comply with legal and regulatory requirements, such as anti-money laundering and anti-fraud regulatory regulations, and to protect the security of this App and users, prevent and respond to various risks, including but not limited to identifying and handling fraudulent behavior and ensuring data security.

3. Information Storage

We will strictly follow the requirements of relevant laws and regulations to clearly inform you of the purpose, recipient, security measures and other information of cross-border data transmission, and obtain your explicit consent in advance.

We will take reasonable physical, electronic and management protection measures to protect the security of your personal information, including but not limited to the use of firewalls, encryption technology (such as SSL/TLS encryption protocol for transmitting sensitive information), access control (limiting internal employees' access to user data, and implementing hierarchical authorization management), etc., to ensure that your personal information is not leaked, tampered with or lost.

4. Information Sharing

In order to realize the functions of this App, we may share your personal information with the following third parties:

Cooperative financial institutions: Financial institutions such as banks and microfinance companies that jointly conduct loan business with us, share your personal identity information, financial information, etc., for joint review of loan applications, loan issuance and subsequent risk management, to ensure the smooth development of loan business.

Credit assessment agency: Professional credit assessment company, we will provide them with some of your personal information (such as name, ID number, credit record related information) to obtain a more accurate credit assessment report to assist us in making loan decisions.

Before sharing your personal information, we will sign a strict confidentiality agreement with the third party, clarify the confidentiality obligations and responsibilities of the third party, and require the third party to use your personal information only for purposes related to the business of this App, and not to use your personal information for any other purpose without authorization. At the same time, we will continue to monitor the use of your personal information by third parties. Once we find that a third party violates the confidentiality agreement, we will immediately take measures to stop it and require the third party to bear the corresponding liability for breach of contract.

5. Modify or delete data

You have the right to access the personal information we collect about you at any time. You can log in to this App and view detailed information in the "Personal Center - My Information" module. If you encounter any problems during the visit, you can contact our customer service staff at any time.

If you find that the personal information we collected about you is wrong, you have the right to request correction. You can provide us with correct information by submitting a correction application or contacting customer service in this App, and we will verify and correct it in a timely manner after receiving your application.

Subject to the provisions of laws and regulations, you have the right to request the deletion of your personal information. You can apply for deletion to us, and we will complete the deletion within 15 working days after receiving the application, including deletion from our database and data shared with third parties (after notifying the third party and obtaining the cooperation of the third party). After the deletion is completed, we will confirm the deletion to you.

6. Protection of minors

This App does not provide services for minors, and we will not deliberately collect personal information of minors. If we find that we have collected personal information of minors, we will immediately take measures to delete the information and review the relevant business processes to ensure that such situations do not occur again.

7. Changes to the Privacy Agreement

We may change this privacy agreement based on updates to laws and regulations, business development needs or other reasonable reasons. If any changes occur, we will publish the changed privacy agreement in this App, and remind you that the agreement has been changed in a prominent position on the homepage of the agreement, and update the effective date of the agreement. We recommend that you check this privacy agreement regularly to understand the latest information protection policy. If you continue to use this App after the agreement is changed, it is deemed that you have agreed to the changed privacy agreement; if you do not agree to the changed privacy agreement, you should stop using this App.

8. Contact Us

If you have any questions, suggestions or complaints about this privacy agreement, or encounter any problems in exercising your personal information rights, please feel free to contact our customer service team. You can contact us in the following ways:

Customer service phone: 08161639735,09161647143,08021226549

Customer service email: nmoneycustomerservice@gmail.com

Office address: No. 11 Unity Road, Kantin Kwari Market, Kano.