This Privacy Policy for Care Finance Users (the "Policy") should be read and used in conjunction with the Care Finance Terms and Conditions. All capitalized terms used in this Policy shall have the meanings given to them in the Care Finance Terms and Conditions unless specifically defined or the context otherwise requires.
The "you" or "customer" mentioned below refers to any visitor, user, business partner, agent, supplier, supplier or customer of Care Finance or any Care Finance platform, including "users". References to "we" or "we" refer to "Care Finance".
Care Finance is committed to protecting and respecting your privacy. This policy is formulated to help you understand how your personal information will be collected, stored and processed by Care Finance when you visit the Care Finance website or use any other Care Finance platform.
Care Finance may amend this policy from time to time with or without notice. Users and visitors to our website are advised to check this policy regularly to learn about the latest changes to this policy.
1. When does this policy apply
1.1 This Policy applies when you use or subscribe to Care Finance’s products, services, applications, websites or networks to which this Policy is linked. This includes data, video, advertising, the Internet and other products, services and applications. This policy also applies to other sites owned or operated by Care Finance.
1.2 This Policy also applies to you and anyone using our products or services under your account, unless we determine that a separate privacy policy or terms and conditions apply. It is your responsibility to ensure that you understand this policy.
1.3 You must agree and be willing to accept the terms of this policy before you can access or use any Care Finance platform, or any products or services provided therein.
1.4 This policy and any additional terms of use apply to you. Even if you are not our customer, your interaction with us is part of our business operations, such as:
a. Access any of our products or services accessed through any Care Finance platform.
b. When using any of our product or services.
c. When participating in any promotional activities.
d. When you call our help desk.
e. General inquiries about our services or products.
1.5. This policy will also apply if you need to provide us with the personal information of others in connection with our products and services.
1.6. Depending on the product or service, you may also receive specific terms for the service and/or region. You will be legally bound by this Policy and the specific terms of the service/territory provided that you accept these terms when registering for any service or product; therefore, you need to read these terms carefully.
2. What information’s do we collect.
2.1 "Personal information" refers to any information that can be used to uniquely identify, contact or find a person, or information that can be used with information from other sources to uniquely identify a person, such as when you are making any purchases or using our services, Personal information provided when establishing a user account or interacting with us or providing information in other ways. This includes but is not limited to your name, father's name, mother's name, mailing address, email address, phone/mobile number, hometown, occupation and postal code, SIM card, age, gender, username, password, BVN and Other registration information (such as our security questions and answers on your account), personal description and photos. Care Finance can link any category of information with any other category of information, and will treat the combined information as personal data in accordance with this policy, as long as it is combined.
All data will be uploaded via the interface in encrypted form and stored on our servers, but Care Finance will not pass it on to third parties without authorization.
2.2 When a customer registers with us through any Care Finance platform, or when a customer responds to a post on the Care Finance platform, we will collect information, including the information and data provided by the customer on any Care Finance platform, as well as when interacting with us Information and data provided during any communication (for example, via email or chat or our helpline).
2.3 We may collect information when you install or uninstall the Care Finance platform to take advantage of any products or services. This product or service may contain a unique application number, or when this product or service search is automatically updated, that number and your installation information, for example, the type of operating system, may be sent to us.
2.4 When you register to use any product or service through any Care Finance platform, download or register for the same product or service, subscribe to any of our services (such as applying for a loan), search for products, services or apps, share data through the social media features of the Apps, participate in contests, promotions or surveys, And we collect the information and data you provide when you report problems with the application, our services or any of our Care Finance platforms.
2.5 We may also collect your information from external sources, such as credit reports, marketing mailing lists, and commercially available geographic and demographic information, as well as other available information, such as public posts on social networking sites (information provided by third parties).
2.6 Care Finance and its authorized third parties may also collect, store and process personal information such as passwords, financial information (details of bank accounts, credit cards, debit cards, or other payment tools), physiological information in order to provide our products, services and use our Care Finance platform.
2.7 When you use our platform, whether it is our website or our application, we will collect and store your information (personal information), which is provided by you from time to time, and explicitly seek permission from you to obtain all Information required.
a. Non-personal information
Including, but not limited to, customer's Internet protocol (IP) address, operating system, browser type and Internet service provider. This type of information does not personally identify visitors or customers.
b. Technical Information
Including the type of mobile device you use, a unique device identifier (for example, the IMEI or serial number of your device), the SIM card information used by the device, mobile network information, your device operating system, the type of browser you use, or the location and time zone settings of your device (device information).
c. Customer information
Information stored on your device, including cameras, videos, or other numbers.
d. Logbook information
Details of your use of any of your applications or access to any Care Finance platform or website, including but not limited to traffic data, location data, web logs and other communication data.
e. Location
Care Finance may also use GPS technology or other location services to determine your current location.We will upload the collected data to the server (https://app.carefinance.club) in a secure network environment.
f. SMS/Call logs
Care Finance collects and monitors your SMS and Call logs, the sender's address, and the description of the information to build your social and financial files for credit evaluation. We will encrypt this information and upload it to our server for credit evaluation and provide you with priority approval services.We will upload the collected data to the server (https://app.carefinance.club) in a secure network environment.
g. Calendar
By granting us read and write access to your calendar, you enable us to enhance your loan management experience. We will provide you with proactive reminders for repayment dates, helping you avoid late fees. Please note that we will only utilize this access to improve your loan journey and will not alter your existing calendar data.We will upload the collected data to the server (https://app.carefinance.club) in a secure network environment.
h. Installed applications
The CareFinance application collects the list of applications installed on the user equipment to detect potential financial risks. It is only used to detect whether a fraudulent application is installed on the user equipment to prevent malicious fraud. After the detection, the relevant information will be deleted immediately.We will upload the collected data to the server (https://app.carefinance.club) in a secure network environment.
i. Contact details
Care Finance will upload and transmit the contact data you have chosen to fill in the address book, including name and phone number. The names and phone numbers uploaded and transmitted will be used for risk management and anti fraud checks. Care Care Finance will protect your data and will never share it with third parties without your permission.We will upload the collected data to the server (https://app.carefinance.club/) in a secure network environment.
2.8 You agree that Care Finance may collect, store and process all of the above information and we may collect such information during your interactions with Care Finance, including information provided by third parties. By using any Care Finance platform, the Customer hereby agrees and agrees to the collection, storage and use of personal data for any products or services provided by us, and to any changes or updates to such information collected by us.
3. Tracking and cookies
3.1 "Cookies" are small text files that are transferred by the web server to the user's hard drive, and thereafter stored on the user's computer. The types of information collected by cookies include the date and time of the user's visit, their browsing history, preferences, and username.
3.2 Care Finance may use cookies to manage our user sessions and store preferences, tracking information and language choices. Cookies can be used regardless of whether the customer is registered with us or not.
3.3 In some cases, Cookies may be used by our third party service providers on websites or other Care Finance platforms. We do not control or access cookies used by third party service providers. This policy only covers Cookies used by us and not any Cookies used by third parties.
3.4 Customers can accept or reject the use of Cookies on your computer, whether registered with us or not. In general, you can configure your browser to not accept Cookies. However, refusing to use Cookies may limit your access to certain features of the Site and/or the Care Finance platform. Cookies help us to provide you with a good experience when you use the Care Finance platform or browse any website and also enable us to improve the Care Finance platform and our website.
3.5 You can withdraw your consent to the further collection of this information at any time by logging out and uninstalling the Care Finance mobile phone or other applications on your device.
4. Use of customer information
4.1 The information we collect shall be used to determine whether financial services or products are offered to customers, the amount of such risks and the terms and conditions applicable to such services or products.
4.2 We may also use a third-party payment service provider or payment processing company to process payments and repayments, transfer money to your operating account or any other user account, process other payments, and provide additional products and services, and therefore may disclose your information to such third-party payment service provider.
4.3 We use your information to power our services and improve your experience and interaction with Care Finance. We use your information to provide, support, improve, protect, analyze, and bill for our products and services; to communicate with you about your services, products or applications; to promote our products and services; to detect and avoid fraud; For advertising; and for research purposes. When you purchase products or services from us, sign up for our newsletters, respond to surveys or marketing newsletters, browse the website or Care Finance app, if you sign up for an online account with us, download and register on one of our apps or use certain other website features, We may use the information we collect from you in the following ways.
a. Personalize your experience so that we can provide the types of content and products you are most interested in.
b. Improve our website/application to serve you better.
c. Enables us to better serve you and respond to your customer service requirements.
d. Manage contests, promotions, surveys, or other site features.
e. Request ratings and reviews of services or products; and
f. Follow up after communication (live chat, email or phone inquiries).
4.4 This means we can：
a. Record details of the products and services you use or order from us.
b. Send you product or service information (We may send you information to confirm your order and inform you of any changes that may affect your service, such as when we have an infrastructure work plan or need to fix something).
c. Let’s you create and log in to an online account we run.
d. Charge you and ensure that your payment reaches us; and
e. Provide information to others (if we need to provide information for the products or services you ordered), or provide it to another communications provider, if you purchase some services from them and us.
4.5 In addition, we use the following information to provide products and services and to manage your account.
a. Your contact information and other information to confirm your identity and your communication with us. This includes your personal information and other relevant credentials.
b. Your payment and financial information.
c. Your communication with us, including emails, web chats and phone calls. We will also keep a record of any settings or communication preferences you choose; and
We need to obtain information from cookies placed on your connected device so that we can provide services.
4.6 We may disclose some or all of the data we collect from you when you download or use the Care Finance platform to connect to a mobile wallet provider, credit bureau or other partner financial institution. We may disclose your personal information to any member of our Group, which means our subsidiaries, our ultimate holding company and its subsidiaries.
4.7 We may disclose your personal Information to any local or international law enforcement officer or competent regulatory or governmental agency and believe in good faith that such disclosure is reasonably necessary to enforce any of the terms and conditions and/or this Policy to assist in the prevention, detection, investigation or prosecution of criminal activity or fraud.
4.8 We will use your data to compile statistics relating to our user base or financial products or services and may disclose such information to any third party for such purposes, but such information will remain anonymous at all times.
4.9 We may use other third-party companies to monitor website traffic, and in some cases, these companies may store customer information. In the case of our use of other organizations, we still control your personal information, and we have strict control measures to ensure that it is properly protected.
4.10 We may also disclose or transfer your personal information to third parties under the following circumstances.
a. Care Finance involves a merger, bankruptcy, acquisition, restructuring, or sale of assets, in which case we may disclose your personal information to a potential seller or buyer of that business or asset.
b. Personal data held by Care Finance, or most of its assets, about its customers will be one of the assets to be transferred when it is acquired by a third party.
c. Care Finance is responsible for disclosing or sharing your personal data in order to comply with any legal or regulatory obligations or requirements; or
d. To enforce our terms and conditions and other agreements, or to investigate potential breaches; to report defaulters to any credit agency, or to publish statistics related to the use of the Care Finance platform, in this case, all information Will be aggregated and become anonymous.
5. Security practices
5.1 We adopt reasonable security practices and procedures, including technical, operational, managerial and physical security controls, to protect your personal information from unauthorized access or disclosure under our control. Your personal information is contained in a secure network and only a few people can access it. They have special access rights to these systems and are required to keep the information confidential.
5.2 The data and information we collect from you may be transferred to a destination and stored there. Staff at the destination may be involved in meeting your requirements. By submitting your personal data, you consent to such transfer, storage or processing. We will take all reasonably necessary steps to ensure that your data is processed safely and in accordance with the provisions of this policy.
5.3 Our security practices and procedures restrict access to personal information only when needed. In addition, our employees are bound by the code of conduct and confidentiality policies, and they are obliged to protect the confidentiality of personal information.
5.4 We maintain the security of the Care Finance platform; however, due to reasons beyond our control, security risks may still arise. Therefore, any personal information transmitted to us or from our online products or services will be at your own risk. However, we will use all reasonable efforts to ensure the security of your information. We follow reasonable security measures to protect your personal information from hackers and viruses.
5.5 If we give you (or you choose) a password that enables you to access certain parts of our Care Finance platform, it is your responsibility to keep this password confidential. We ask that you do not share your password with anyone. Unfortunately, the transmission of information over the Internet is not completely secure. While we do our best to protect your personal information, we cannot guarantee the security of the data you transfer to our Care Finance platform and any transmission is at your own risk. Once we receive your information, we will use procedures and security features to try to prevent unauthorized access, to the extent reasonably practicable.
5.6 You agree that Care Finance or any of its affiliates, related or related entities, employees, directors, shareholders, agents, representatives, etc. will not be liable to you in the event of any unexpected security breach resulting in unauthorized access to or disclosure of your information. To the maximum extent permitted by law, you agree to waive all of your rights to seek damages or otherwise hold Care Finance and its related entities liable for disclosure or unauthorized access to your information resulting from any security breach.
6. Controversy
Any dispute regarding this Policy shall be governed by the terms and conditions of Care Finance, including, without limitation, any provisions relating to restitution, limitation of liability in relation to damages, choice of law and dispute resolution forum. We ask that you first direct any such complaint to our relevant customer service desk or help line.
7. Contact Us
We welcome questions, comments and requests regarding this policy.
Customer care line：02018885168
Contact Email：carefinance.cs@gmail.com