Privacy Policy
MiniOma is an application that provides online loan information, Help you solve financial difficulties. This Policy applies to MiniOma sets out the basis on which any personal data we collect from you, or that you provide to us will be processed by us. The policy also describe your rights regarding our collection, use, disclose, process and protection of your personal information. We may need certain information from you in order to provide you with better products and services. We will use your information in accordance with this Privacy Policy.
1. How we use the information we collect, Personal information Including full name, age, gender, telephone number, ID card and photo, educational information, address, emergency contacts, etc. It is designed to assess the user's credit score, to make it easier to contact the user. We do not collect user account information within the application to ensure user privacy. Telephone contact information When user submits a loan application on a loan product from Our company, This platform requires the user to provide phone contact information to identify whether the user is a real user, and assess whether the user is at risk, according to the user's phone contact information. Telephone contact information is only used for credit assessment and risk of loan products used by users. Without user permission it cannot be used for other purposes. Location, We access location, including country code or area code, city code, mobile network code, latitude and longitude information, this is to ensure that your location is within our service area and to assess your credit score. Phone. We access your cellphone status, to review your loan qualifications, and also to protect the security of your account and prevent bad users from hacking your account for fraud, and prevent defraud and using the same device by multiple users. This ensures that you are provided with a smooth experience while using the app. Device information, Information we collect includes Device OS version number, device type and settings, operating system, Wi Fi address, mobile network information (including provider name and phone number) and application version. The above information is used to mark the user's identity to ensure the security of user information. Include company name, industry, monthly salary. Mainly used to assess the users credit score. The above information is only used to evaluate credit, identify and for the security of your account.
Before we collect your information, we will tell you clearly what information you need to provide. If you are willing to provide information, we will collect that information. Without your permission, we will not collect any information or send it to third parties. We will try our best to ensure the security of your information.
2. Use of Personal Information
a. The user agrees that when the following situations, (but are not limited to) occur when (MiniOma provide services to users, resolve disputes, mediate disputes, which helps ensure safe transactions in MiniOma, and carry out MiniOma service agreements), MiniOma and the partners can use the above information provided by the User. MiniOma at a certain moment can investigate multiple users to identify problems or resolve disputes, especially MiniOma could review user information to differentiate users using multiple usernames or aliases.
b. To prohibit users from committing fraudulent, illegal, or other criminal acts on MiniOma, and to protect MiniOma or other users who are harmed, Users agree that MiniOma and the partners may evaluate Users personal information through manual or automated means.
c. The User agrees that MiniOma can use User's personal information to improve the promotion and sales of MiniOma, analyze the usage rate of MiniOma Site, improve the content and form of MiniOma product promotion and make the content, design and services of the MiniOma Site to be better and suit the needs of users. thereby bringing a smoother, more effective, safer transaction experience for users to use the MiniOma service.
d. The User agrees that MiniOma may use the User's information to communicate with the User and convey information (in certain circumstances) through SMS messages, emails and telephone calls with due regard to the interests of user, such as: account change reminder, promotional reminders, advertising articles, administrative notifications, products and communications related to the use of MiniOma by User.
e. The User acknowledges and agrees that MiniOma may use the information provided by the User that obtain with authorization, information provided by the Lender or information obtained from third parties Users acknowledge and agree that MiniOma can use information provided by Users obtained with authorization, information provided by Lenders or information obtained from third parties. to perform services such as reminders of overdue accounts or debt calls. MiniOma will not be responsible for any bad influence caused to Users.
f. MiniOma can use User information fairly for other purposes related to this Agreement based on the law.
3. Sharing of Personal Information
3.1 You understand that we may provide Personal Information to government institutions, courts or other governmental authorities, in the event that
(1) is permitted or required by law; or
(2) to protect against or prevent fraud that occurs or
has the potential to occur or unauthorized (illegal) transactions; or
(3)investigate fraud that has occurred and/or suspected fraud. Personal Information as set out above may be provided without requiring your prior approval, and You hereby release us from and against all demands, claims and/or losses that may arise in related with the disclosure of such Personal Information.
3.2 We may provide Personal Information to Third Parties as long as necessary in the context of providing Services to You. In order that Our company requests Personal Information, we may conduct an investigation first although We are not required to conduct an investigation, and furthermore We may choose to provide the Personal Information to such Third Party within the level of disclosure that we deem necessary and carried out with Your prior consent. This Privacy Policy binds us and you but does not necessarily bind other third parties, including but not limited to service providers. You understand that Third Parties have their own privacy policies regarding the use and/or processing of personal information, and therefore, You will release Us from actions taken by Third Parties in related to Personal Information. We suggest that you access related Third Party sites to understand their privacy policies.
3.3 You give consent to sending, storing, using and processing Personal Information in Nigeria and in other jurisdictions while taking into account the provisions of laws and regulations in Nigeria
3.4 We may remove some parts of the Personal Information that can identify you (so that the Personal Information becomes anonymous) and disclose such anonymous data to Third Parties for the purposes of application development, database management and analysis services provided.
3.5 We will not sell, lend or rent Personal Information to any party.
3.6 You understand that We may provide Personal Information of Users and/or Registered Users to Third Parties in a transaction and intermediaries carried out by the parties (including but not limited to Lawyers, Accountants, etc.), when MiniOma is involved in material transactions such as mergers, acquisitions, etc. MiniOma will continue to ensure the confidentiality of Personal Information before being transferred to another privacy policy and will immediately notify you about the provision of such Personal Information.
3.7 In order to establish the credit system, the User agrees and authorizes MiniOma to collect or provide information to Third Party credit reporting institutions.
4. Use of Cookies To optimize access and provision of services that are more convenient for you when you visit our websites, applications or when using our services, we can identify your identity to help you save time to log back in our websites and apps, and help you determine if your account is secure. This digital data can be cookies, flash cookies or search engines or other storage-related devices (commonly referred to as "cookies"). You understand that if you change your cookie settings, including but not limited to accepting or rejecting settings, this type of operation will affect access to this website and application and the security of the services we provide.
5. Security of Personal Information
5.1. Checking and managing general information When you log in with your account, you can check and manage your account information.
5.2. To ensure the security of your personal information, we guarantee the use of industry practices to protect your data. We will implement various security measures with a variety of appropriate physical, technical and optimal control, so that your data will not be scattered, damaged, or lost, including but not limited to SSL, storage with extra security, data center control, we also use strict controls that may be related to your data, including executive control and access to different levels and occupations, sign a contract of confidentiality of the employees, and monitor their work. but you understand that due to technical limitations, we cannot guarantee that the user's personal information is not disclosed at all.
6. Modifications Policies, content, information, promotions, disclosures, disclaimers, and features in this application can be modified, updated or added at any time. We have the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. By continuing to use our Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your agreement to comply with and be bound by the modified Privacy Policy. If we make material changes to this Privacy Policy, we will notify you by posting an important notice on our website.
7. Minor Privacy Protection is not intended for use by anyone under your protection who is under 18 years or underage according to the law. This app will not collect minor personal information intentionally.
8. Our Compliance Guarantee hereby represents and warrants to You that We are committed to ensuring compliance with laws and regulations regarding the protection of personal data in Nigeria.
9. Feedback. If you would like to view or request to change your personal information collected by us when you use this application, or if you have any questions or comments about our privacy statement, please contact us via email, thank you! E-mail : miniomaservice@gmail.com