Privacy Policy THE METHODS OF COLLECTION, USE, AND DISCLOSURE OF YOUR INFORMATION COLLECTED ON THE PLATFORM (DEFINED BELOW) ARE SET FORTH IN THIS PRIVACY POLICY (THIS AGREEMENT/PRIVACY POLICY). ONLY PERSONAL INFORMATION COLLECTED ON THE PLATFORM IS COVERED BY THIS PRIVACY POLICY. INFORMATION COLLECTED BY US IN OTHER MANNERS, INCLUDING INFORMATION COLLECTED OFFLINE, IS NOT AFFECTED BY THIS PRIVACY POLICY. PLEASE CAREFULLY READ THIS PRIVACY POLICY. YOU AGREE TO THIS PRIVACY POLICY BY CONTINUING TO USE THE SERVICES OR ACCESS THE PLATFORM. YOU MAY NOT USE THE SERVICES IF YOU DO NOT AGREE TO THIS PRIVACY POLICY. INTRODUCTION. We have created a mobile application called Plenty Cash that allows you to apply for a short-term loan (Loan), which will be issued by us or different non-banking financial companies or Banks (collectively as Lender), based on the loan agreement signed by you and LENDER. As may be necessary for granting the Loan, we have been appointed and given authority to collect, keep, authenticate, verify, and distribute Personal Information (defined below). The mobile application form provided on the Application is how the Personal Information will be gathered. Since we value your privacy, we have created this Privacy Policy to outline the practices we follow when gathering, utilizing, and disclosing Personal Information. We advise you to carefully read this privacy statement so that you are aware of how we will use your personal information. COLLECTION OF PERSONAL INFORMATION.Data that we gather: in addition to the information listed above, we may also ask for your name, age, bank verification number (BVN), email address, and other contact details when you sign up for the Service. We may use this information to cross-check your identity with other parties, including the emergency contact you have listed. Additionally, we will gather information from your device for our credit scoring algorithm. This comprises details about your device, such as the model, make, and operating system as well as any installed software programs. The scoring system is still our intellectual property, and we have the right to utilize it or grant permission to our business partners and joint marketing agreement partners to do so. Along with your contacts from your email and phone book, we might also gather data about how you use your device, including SMS logs and GPS data. We may also gather data from third parties, like credit bureaus and other financial organizations, to enhance this information. You give your consent for the gathering and processing of the aforementioned data when you sign up for the Service. Following is more details on the SMS and CONTACT data the device collected. 1.Get your Installed App List Plenty Cash will upload and transmit your installed mobile applications (apps) information that you have used (App List), including APP name, package name and information about how you have used such mobile apps and software to https://interface.plentycashapp.com.Plenty Cash will use this to conducting risk assessments as Plenty Cash as credit assessments. 2.Choosing Contact Details Integral to our lending procedure, your loan application necessitates the inclusion of emergency contact details. This list is scrutinized to flag potential fraudulent activities, aiding in decreasing unfavorable loan submissions and curtailing credit hazards. We limit our collection and retention to the contact data you designate – names, telephone numbers, and relevant particulars such as relationship status. All conveyed information is encrypted via secure HTTPS to our server located at https://interface.plentycashapp.com, and we pledge not to disclose it to any external entities without your explicit consent. Post-risk evaluation, your submitted contacts are immediately erased. 3.Get Location Info Plenty Cash will upload and transmit information about the location of your device to check our serviceability in your area and to provide customized loan offers. This also helps us to verify your address, fastening the KYC (Know Your Customer) process . 4.Access Camera Plenty Cash need to get the camera permission of your mobile phone, because we need you to submit a current selfie when you applying for loan, so as to ensure that the loan is initiated by yourself and prevent loan 5.Get Phone Info Plenty Cash will upload and transmit specific information about your phone like your phone's unique device identifier, your profile information and phone number. As these information help us in uniquely identifying the user, so that we can detect and prevent any unauthorized device from acting on your behavior. RULES AND REGULATIONS.The laws of the Republic of Nigeria shall be applied to interpret and control this privacy statement. COOKIES. To keep tabs on how you use the Platform, we might set cookies. Cookies are small, encrypted files that a website or its service provider uploads to your device's hard drive and uses to identify your device and collect and remember certain information. Your agreement to our usage of cookies is indicated by your use of the Application. DISCLOSURES.We don't and never will sell, rent, or lease your personal information to anyone. In light of this, the following situations may necessitate the disclosure of your Personal Information: ·Administrators: We will give our authorized administrative personnel access to your Personal Information for internal business needs, but they are obligated to maintain its confidentiality. ·Affiliates: We might provide our affiliates access to the personal data we gather. To limit your receipt of marketing materials you have asked not to receive, for instance, we may share Personal Information to our affiliates in response to your requests for information or the Services. ·Business Partners: In order to provide, analyze, and improve the Services, we may enlist the assistance of a select group of dependable third-party businesses and people. This assistance may include, but is not limited to: data storage, maintenance services, database management, credit bureaus, rating agencies, web analytics, payment processing, and enhancement of the Platform's features. These third parties may only use your information to carry out these functions on our behalf and in accordance with obligations that are comparable to those in this privacy statement. We may share your personal information with partners who work for us and may be based outside of Nigeria and who provide hosting services or other business-related services. ·Service Providers: As long as such service providers are bound by confidentiality obligations compatible with this Privacy Policy, we may disclose your Personal Information to them. This includes LENDER, who is assisting us in running the Services or the Platform. ·Joint Marketing Arrangements: To the extent allowed by law, we may divulge your Personal Information to joint marketers with whom we have a marketing arrangement, such as but not limited to other financial platforms, third-party credit platforms, pertinent partners on analytics, information search, or big data, collecting companies, anti-fraud companies, law firms, etc. We would require all such joint marketers to enter into formal agreements with us that detail the proper use of your personal information, obligate them to protect your personal information, and forbid them from using your personal information for any unauthorized or illegal purposes. ·Individuals Who Purchase Our Assets or Business: In the event that we sell or otherwise transfer any of our business or asset assets, certain Personal Information may also go through that transaction. We will let you know if there is a sale or transfer of this kind. ·Legal and Regulatory Authorities: In order to comply with legal or regulatory requirements, we could be obliged to share your personal information. We reserve the right to reveal your Personal Information in certain situations if doing so is necessary to uphold our legal obligations, including but not restricted to obeying court orders, search warrants, or discovery requests. We may also disclose your Personal Information in the following circumstances: (a) to members of law enforcement or others; (b) to Companies that Handle Credit Information; (c) to abide by a court order, court summons, or other legal process that has been delivered to us or the Platform; (d) to enforce or apply the Terms of Service, this Privacy Policy, or any other policies or Agreements we may have; (e) in connection with an insolvency process involving all or a portion of the business or asset in question; (f) address allegations that any Personal Information infringes on the rights of third parties; (g) or defend our rights, our possessions, or our or the public's personal safety. You agree and recognize that we are not permitted to let you know before or after making disclosures in accordance with this provision. Despite what was previously stated, we are not liable for the deeds or omissions of the service providers or third parties with whom the personal information is shared. We are also not liable for any additional information you may choose to give to a service provider or third party directly. RETENTION OF DATA. As long as your registration with us is active and the outstanding amount(s) is(are) due and payable to LENDER, we shall keep your personal information on file. As required by law, to settle disputes, and to uphold our agreements, we might additionally keep and utilize your personal information. In accordance with this section, if you make a valid written request, we shall make an effort to erase your personal information. Please be aware, however, that there may be a delay in the removal of Personal Information from our servers and that backed-up copies may continue to exist after removal. TRANSFER OF DATA INTERNATIONALLY. To enable us to use the information in line with this policy, it may be stored, processed, and transferred between any of the nations in which we operate. Any such information provided to foreign nations must comply with their own legal requirements. SECURITY. We take numerous security precautions to safeguard your Personal Information on the Platform against loss, abuse, and alteration because we value it. We have put in place the necessary technology—including, but not limited to, cloud data storage—to safeguard your personal information, and we'll upgrade these safeguards as new technology becomes available, as necessary. Although we offer suitable firewalls and security measures, we are unable to guarantee the security of any Personal Information sent because our systems are not impenetrable to hackers. It is possible for data to be stolen as a result of unauthorized hacking, virus attacks, or technological problems, and we accept no liability or responsibility for it. Every activity made using your User Account is your responsibility. You alone are responsible if you decide to disclose your User Account information, password, or other Personal Information to third parties. You could lose a lot of control over your personal information and be subject to legally enforceable acts if you lose control of your user account. PERSONAL INFORMATION ACCESS AND MODIFICATION. You must enter into your User Account and make the necessary modifications if you need to access, review, or change any Personal Information. For us to serve you better, you must keep your personal information up to date. THE PLATFORM'S COMMUNICATIONS ·Special Offers and Updates: We might send you details about our services, products, exclusive offers, and newsletters. We provide you the choice not to receive these kinds of emails out of respect for your privacy. You can unsubscribe using the tools provided in each of these communications, or you can send us an email at plentycash1@outlook.com. ·Service Announcements: Occasionally, or as required by law, we must send out announcements relating to our services or platforms. Although we respect your privacy, you cannot opt out of receiving certain communications. There would be no promotional elements to these mailings. ·Customer service: We connect with customers frequently to deliver desired services, and when they have questions about their user accounts, we respond by phone or email depending on their needs and convenience. INDEMNIFICATION. You agree to defend us against any claims and demands, including reasonable legal fees, made by any third party arising out of or related to: (i) Personal Information and contents that you submit or share through the Platform; (ii) your violation of this Privacy Policy; or (iii) your violation of the rights of another Customer. You also agree to indemnify us, our subsidiaries, affiliates, officers, agents, co-branders or other partners, and employee(s). RESTRICTIONS ON LIABILITY.You hereby expressly understand and agree that we, our directors, officers, employees, representatives, or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of revenues, business reputation, use, or data, or other intangible losses (even if we have been informed of the possibility of such damages), resulting from: ·(a) use or the inability to avail the Services; ·(b) unapproved access to or modification of your personal information; ·(c) being unable to access the Platform; ·(d) failure or delay in providing the Services or access to the Platform; ·(e) any action or inaction taken by us; ·(f) any harm or potential virus infections to your electronic devices or other property as a result of your use of the Platform or your downloading of any materials from it; ·(g) any other issue involving the Services, including server failure. APPS AND WEBSITES WITH LINKS. Links to websites and apps not run by us may be found on our service. You will be taken to a third party's website if you click on one of their links. The content, privacy practices, or other policies of any third-party websites or services are beyond our control and responsibility. MODIFICATIONS TO THIS POLICY.Without giving you prior notice, we may update this Privacy Policy. All users must abide by this privacy policy, which becomes operative upon posting. You are urged to review this privacy statement frequently so that you are aware of any updates. If you use the Services or access the Platform in the future, it will be assumed that you accept this privacy statement. CONTACT US.You can send us an email at our grievance email address, plentycash1@outlook.com, if you have any questions, issues, or complaints about our privacy statement. The "Agree" option signifies your agreement to abide by all applicable rules and regulations in your nation. As a result, this Privacy Policy is enforceable as of the date your account is opened.