Freshmoni (‘we’, ‘our’, ‘us’) are in control of data provided by you to us that you provide us during the course of our service to you. This Privacy policy constitutes our commitment to your privacy. It sets out the type of data we collect, what we do with the data collected and how we protect the data you provide to us when you visit and use any of our services via our website.
Information We Collect are the information:
● You make available to us, such as your name and contact details
● On your age and date of birth to access your eligibility
● We collect about you based from the use of our website
● We receive from other sources, such as third parties who give us information about you
● We collect information on your location, and your bank details
Information You Give Us:
● You may give us information about you when you use our services or by communicating with us. This includes information you provide when you participate in discussion boards, answer specific questions on our website, provide us with feedback, participate in surveys, and when you report a problem. The information you give us may include:
● Title
● Name
● Email address
● Phone Number
● Date of birth
● Present income
● House address
● Current place of employment
● Bank Verification Number
● Emergency Contact
● Educational level
Each time you visit our website we may automatically collect the following information:
● Technical Information: including the Internet protocol (IP) address, your login information, browser type and version, time zone setting, operating system and platform;
● Information about your visit: including the full Uniform Resource Locators (URL) clickstream to, through and from our website (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
Information We receive from Other Sources:
We may receive information about you if you use our website. We are also working closely with third parties (including, for example, Credit Bureau, business partners, service providers, analytics providers, search information providers, social media) and may receive information from them, such as your credit report information, whether or not you have taken out a product with them, what other products you may have used, and other such details.
What we do with your Information:
The reason we collect your personal information is to give you efficient, enjoyable and secure service. We may use your information to:
- Process your applications and send notices about your transactions to requisite parties;
-Verify your identity;
- Provide you with information, products and services;
-Manage risk, or to detect and/or prevent fraud or other potentially prohibited or illegal activities;
- Comply with Laws, Regulations, Standards, Guidelines and Frameworks;
-Measure our performance and improve content;
-Track information breach and act on such identified breaches;
- Undertake analysis and profiling of your credit information in order to identify and inform you of credit products that we consider are likely to
Information We receive from Other Sources:
The information we receive from other sources and the information we get from you will be uses for the purposes stated above.
Who We may Share Your Data with:
Your data may be shared with other third parties, like our service providers, Credit Rating Bureaus, and Law Enforcement Agencies (if required). We may need to disclose your data to others to ensure the smooth provision to you of the products, services and information you request. Your data may be disclosed to the other entities as described below. These third parties act on our instructions and are processors of your information. The personal information we have collected from you will be used to verify your identity through Background Check. We will share your data due to fulfil our legal obligation.
Telephone Calls Recordings:
We use telephone recordings to improve our services for quality purposes and for investigating any complaint you may make, or as evidence in any dispute between you and us
In order to ensure that the application can provide you with services safely and stably, we need to apply for some permissions to use your device. Access to data information will be encrypted and securely uploaded to the (https://whzts.freshmoni.com/zrff/) server, and we promise not to share your personal data with any third party.
Here is a detailed description of the permissions we need and the use case:
1. Location permissions
Function description:
Use your mobile device to get your approximate geographic location through wireless networks such as base stations and WLAN.
Usage Scenario and purpose:
Secure transactions and provide customized services through geo-location information.
Locate quickly in case of emergency to provide necessary assistance.
2. Device permissions
Function description:
Collect information, including device identification, to identify and distinguish different user devices.
Usage Scenario and purpose:
Ensure the security of the service and prevent malicious access and data leakage.
Optimize your browsing experience with personalized service.
3. SMS rights
Function description:
We may collect your text message data, but only monitor text messages related to transactions.
Usage Scenario and purpose:
Secure SMS notifications during transactions to prevent fraud.
Monitor suspicious transactions and protect your property.
4. Calendar permissions
Function description:
The app will request read and write access to your calendar.
Usage Scenario and purpose:
Help you manage your schedule, set repayment reminders, and avoid missing important dates.
Alert you to upcoming bills and events to ensure your time management is more efficient.
5. Bluetooth permission
Function description:
Use your device's Bluetooth function to connect to other Bluetooth devices.
Usage Scenario and purpose:
Ensure the security of data transmission between Bluetooth devices.
Easily share information with other devices to enhance the user experience.
You can view and manage app permissions at any time in your device's Settings. We encourage you to understand and be in control of your privacy Settings.
The Legal Basis for Us using this Information:
We make appropriate legal basis on which to collect, use and share data about you. If you have any questions about the lawful basis upon which we collect and use your personal data, you can contact our Data Protection Officer. Our lawful basis may include consent (where you have given consent), contract (where processing is necessary for the performance of a contract with you (such as delivering our core services to you) and, legal obligation, and our own legitimate interests.
Consent
We obtain your consent when you agree to our Terms of Use and this Privacy Policy. We will always seek your consent to process certain types of information where we are legally required to do so. You may choose to withdraw your consent at any time.
Performance of Contract
Processing your data is necessary for us to perform our duties under the Term of Use and loan terms.
Legitimate Interests
Processing your data is necessary for our legitimate interests or the legitimate interests of a third party, provided those interests are not outweighed by your rights and interests. These legitimate interests are:
● Delivering, developing and improving our website;
● Enabling us to enhance, customise or modify our services and communication;
● Determining whether marketing campaigns are effective;
● Enhancing data security.
Where we rely on legitimate interests, you have the right to object at any time.
Legal Obligation
We may also process data if there is a legal obligation on us to process such data under existing laws and regulations in Nigeria.
Direct Marketing and how You can Change Your Preference:
We offer you the opportunity to receive marketing information from us. You can opt out of receiving marketing from us at any time. We will normally send direct marketing by email if we have your email address, but may choose to contact you via other methods, such as push notifications to your devices. You may receive the following types of communications from us:
● Product recommendations – We may share with you personalised, timely product recommendations that can help you improve your financial situation. We will only send these if you explicitly consent to receiving them and you can unsubscribe whenever you like.
● Content communications – We may send you content such as tips, research, features and news, coaching programmes related to finance and other related content. You can unsubscribe from these at any time and we will never spam your inbox.
● Core communications - We may send you your credit report every month, alerts whenever there is a change to your credit report, security alerts pertaining to your account with us, significant changes which may impact our service and other such related content. These communications are an intrinsic part of owning an account with us and cannot be opted- out of.
If you would like us to stop sending direct marketing to you, you can unsubscribe for the service by sending mail to us with your full name, address and other contact details.
How We protect Your Information:
We store and process your personal information on our computers and our secure servers. Where we need to transfer your data to another country, we will ensure the country has adequate data protection law. We will seek your consent where we need to send your data to a country without sufficient data protection law. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls, and data encryption.
How long We keep Your Information for:
While your account remains active, we may keep your information a longer period depending on the purpose for which we are using it. We will keep your credit information for an initial period not less than six (6) years from the date such information is provide. How long we keep your information will depend on the purpose for which we use it. While you are a customer of ours, we will only retain your information for as long as is necessary for those purposes.
Links to other Websites:
Our website may contain links to other websites or other third-party services which are not operated or controlled by us. We are not responsible for the content, copyright compliance, accuracy or opinions expressed in such websites or apps
Your Rights:
You can exercise specific rights with regards to the data that we hold about you. You will be able to:
a. Correct your data - You will usually be able to amend any information that we hold about you that is inaccurate or incomplete through the settings in your account;
b. Request access to your data - You can ask for access to the personal data that we hold about you so that you can check that we are using your information in accordance with data protection law;
c. Erase your data - You can ask us to fully or partially delete your personal data where there is no compelling reason for us to keep using it, although we may not be able to continue to provide our services. We may keep your email address to make sure the restriction is respected in future. We also have the right to continue using your information if such usage is necessary for compliance with our legal obligations;
d. Download your data or send it to another controller - You can obtain a copy of the data you provided us in a machine-readable format. In addition, where certain conditions apply, you have the right to have such information transferred directly to a third party;
e. Restrict the use of your data - You have the right to 'block' or suppress further use of your information in certain circumstances (for example, where you think the information we are using about you is inaccurate, whilst we verify its accuracy). When usage is restricted, we can still store your information, but may not use it further;
f. Right to withdraw consent - If you have given your consent for us to use your information, you have the right to withdraw your consent at any time.
Contact
For the exercise of any of your rights or inquiries or complaints, you can contact us at sbsdpo@proton.me.
customer service: Correspond@freshmoni.com