This privacy policy (the "Policy") together with our Terms and Conditions as set out on the Continuous borrow mobile application (the"App") and any additional terms and conditions apply to your use of the App and any of the services provided by Continuous borrow ("we" or "us") using our App.
This Policy 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 describes your rights regarding our collection, use, storage,sharing, and protection of your personal information.
Please read the following carefully to understand our views and practices regarding your personal information and how we will treat it.
By downloading this application, you confirm that you have read, understood and accepted the terms of this Privacy Policy. You also agree to the collection, use, storage, processing and disclosure of your personal information in the manner set forth in this Privacy Policy. This Privacy Policy together with our Terms of Use and any additional terms apply to your use of the System and Services.
Personal Information Collected. Data we collect. When you sign up for the Services, we will collect your phone number and may also collect your name, age, Bank Verification Number (BVN), email address or other contact information. With this information, we may cross-check your identity with third parties, including emergency contacts you provide. We will also collect data from your device for our credit scoring system. This includes information about your device, such as device manufacturer and model, operating system and installed software applications. We retain the intellectual property rights to the scoring system and we may use or license our business partners and co-marking arrangement partners to use this scoring system. We may also collect your email and phone book contacts and information related to device activity, such as SMS logs and GPS location information. To supplement this information, we may also collect data from third parties, such as credit bureaus and other financial institutions. By registering for the service, you authorize the collection and processing of the above data. SMS and CONTACT information collected from the device is detailed further below.
Contact information
On the contact page and the application confirmation page, we will apply for the permission to read contacts. After you authorize, we will collect the name, mobile phone number and date of addition of the contact person in your contacts on the confirmation application page, and store this information. Encrypted transmission to our server (https://api.continuousborrow.com). Contact data is used to analyze your loan eligibility and recommend suitable loan products to you, for user authentication and risk management, and to help you quickly fill out contact information pages. We will strictly protect your contact information and we will not sell, trade or rent your contact information to any third party. If you do not use it for a long time, you can contact us to permanently delete the contact data.
Short message
We apply for permission to read SMS content on the application confirmation interface. After your authorization, we will collect all your SMS information (message content, sender, read status) and encrypt it and upload it to our server (https://api.continuousborrow. com). SMS messages help us identify the various accounts held by users and the cash flow patterns held by users, thereby helping us identify your risk profile and provide you with appropriate credit analysis. We will protect your SMS log information. We will not sell, trade or rent your address book to any third party. If the user does not use it for a long time, you can contact us to delete the SMS message data.
Collection of installed applications
We collect and upload a list of metadata from installed applications in the application confirmation interface, including application name, package name, installation time, update time, version name and version code of each installed application on your device, to assess your credit eligibility and enrich your profile - custom loan offers approved. We will keep this application information in our system database. We strictly protect your data and will not share your data with third parties. If you do not use it for a long time, you can contact us to delete the data.
Place
We may collect the location information of the device, including the longitude, latitude, location area, location area code, positioning method, positioning time and other location-related information of the user's device; the purpose of collection: to score the user's credit and monitor the user's Actual location information to ensure the security of user accounts. For example, the authenticity of user authentication information is verified during user registration and authentication; for security reasons, when the user opens the APP to log in, we need to determine the user's actual location, confirm whether the user account is at risk, and notify the user in time if an abnormality occurs to ensure that User security funds.
Mobile phone (device)
We may collect specific information about your device, including your device name, model, region and language settings, device ID, device hardware and software information, status, usage habits, to uniquely identify the device and secure unauthorized devices It will not act on your behalf to prevent fraud.
Access camera
Continuous borrow Requires camera and storage permissions to give you an easy/smooth experience. Request camera and storage permissions when you upload your personal selfie photo. After your authorization, we will read your photo information (photo size, size, shooting equipment, shooting location), and encrypt the data transmission through the HTTPS protocol, and save it on the (https://api.continuousborrow.com). provided by a third party.
The purpose of collecting all photo information is to identify whether you are a real user, analyze photo information, avoid fraudulent behavior, carry out risk management and control, fully reduce financial risks, facilitate you to quickly select identity information pictures, and improve customer experience.
We take your private data very seriously and will never share and sell your data with third parties. If you do not use Continuous borrow for a long time, you can contact us to permanently delete your image information data. We fully respect your choice, you can disable the permission to deny us access to data, so you may not be able to use the corresponding service.
Non-Personal Information
We may collect and use non-personal information to: better understand user behavior, solve problems in our products and services, and improve our products, services, and advertising. We may collect non-personal information such as installed app names and package names, installed data, frequency of use, country, device and channel. If non-personal information is combined with personal information, we will treat the combined information as personal information for the purposes of this Privacy Policy. Our Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your express consent.
If personal information disclosed or shared with other parties does not need to be associated with you, we will use reasonable efforts to eliminate the way in which the personal information is associated with you as an individual before disclosing or sharing such information.
Cross-border transfers of personal information
When you use any of the services we provide, your personal information may be transferred, stored, used and processed to jurisdictions other than your country or to your country, state and city ("Alternative Country" ), to our group companies located outside your country or other countries and/or our group servers and/or service providers and partners outside your country or other countries.
In such cases, we will ensure that such personal information receives a level of protection commensurate with the requirements of Nigerian law (and in any event, in accordance with our commitments in this Privacy Policy).
Where we store information
The data we collect from you may be transferred to and stored in destinations outside of Nigeria. It may also be handled by employees working for us or one of our suppliers outside Nigeria. These staff members may be involved in fulfilling your request. By submitting your personal data, you consent to the transfer, storage or processing of the data. We will take all steps reasonably necessary to ensure that your data is handled securely and in accordance with this Privacy Policy. We may also disclose your data to anyone we deem necessary to provide you with account-related services.
Safety
We value your personal information and protect it from loss, misuse or alteration on the platform by employing extensive security measures. To protect your personal information, we have implemented appropriate technologies, including but not limited to cloud data retention, and will update these measures as appropriate as new technologies become available. Although we provide appropriate firewalls and protections, we cannot guarantee the security of any personal information transmitted because our systems are not hacker-proof. Data theft due to unauthorized hacking, virus attacks, technical problems is possible and we do not accept any responsibility or liability for this.
Amend Your Information - Opt Out / Opt In
We respect your right to choose how we collect, use and disclose your personal information. You can update or modify your information or change your privacy preferences at any time through our Services. You may opt out of receiving promotional communications from us, including but not limited to promotional emails, by clicking on the special unsubscribe link in the email or our other content. Transaction Services communications, such as messages about your registration, are not subject to the opt-out procedures described above.
Third party website
Apps and websites may contain links to websites operated by third parties. We do not control and assume no responsibility or liability for the collection, use, maintenance, sharing or disclosure of data and information by these websites and by such third parties. Please review the terms and conditions and privacy policies of these third-party websites to understand how they collect and use your personal information.
Changes to this Privacy Policy
As our privacy policy may change from time to time, we will post any privacy policy changes on this page, so please check back regularly. On a case-by-case basis, we may provide you with other forms of notice of modifications or updates at our discretion.
How to contact us
If you have any questions about this Privacy Policy, or if you would like to access and/or correct your personal information, please contact our Data Protection Officer at continuousborroww@gmail.com