User Permissions Notice

To offer you top-notch, secure, and efficient services, Quick Bucks needs access to the following permissions. We guarantee that all data collected will be used solely to provide and enhance our services, with strict protection of your privacy. Below are the permissions we need and their purposes:

SMS Permission

We access your SMS data to track messages related to financial activities. Specifically, we examine the sender's name, transaction details, and amounts to assess credit risk. This information aids in creating your financial profile for suitable loan products. We do not monitor, read, store, or share any personal SMS data. Only with your explicit consent will we upload and transmit relevant SMS content securely to (https://overhaul.quick-bucks.com/propel).

Call Log Permission

To verify your identity and ensure the authenticity of your application, we access your call logs. By analyzing call patterns, we enhance our fraud detection mechanisms, protecting our users and platform from fraudulent activities. With your explicit consent, we may place a voice call to confirm you are using your own mobile phone for the application and receiving our dynamic password verification on the same device. We collect call timestamps, incoming and outgoing phone numbers, and call names to verify your device. This makes your credit profile more reliable. We will securely upload and transmit call log contents only with your explicit consent to (https://overhaul.quick-bucks.com/propel).

Phone State Permission

We collect and monitor specific information about your device, such as its name, model, region and language settings, identification codes, hardware and software details, status, usage habits, and unique identifiers like IMEI and serial number. This helps us ensure the app runs smoothly on your phone, prevents unauthorized devices from acting on your behalf, and optimizes app performance based on current usage and network conditions. This permission is crucial for preventing potential security threats and ensuring uninterrupted app operation. With your explicit consent, we will securely upload and transmit phone state contents to (https://overhaul.quick-bucks.com/propel).

Location Permission

We collect and monitor your device's location data to verify your address, enhance credit risk assessment, and ensure we provide services in authorized regions. This information helps us offer location-based services and personalized loan offers. With your explicit consent, we will securely upload location data to (https://overhaul.quick-bucks.com/propel).

Emergency Contacts

We will only gather two of your emergency contacts for risk management, anti-fraud checks, and verification purposes. You can choose how you want to acquire your contact information: Manually; b. Auto-populate: Select one person from your address list. (Note that this method only saves selected contact information from your address book, not all of it.) We will never share your data with third parties without your permission. The information will be stored on our servers (https://overhaul.quick-bucks.com/propel) after being uploaded via a secure connection (https).

How We Utilize Your Data

We gather specific data to provide our services, verify your identity, and create credit scoring models to determine suitable loan offers. This data is also used for collections and credit reporting.

Data We Collect

When you sign up for our service, we collect your bank account number and phone number, and may also gather your name, age, email address, and other contact details. We use this information to verify your identity with third parties, including any emergency contacts you provide. Additionally, we collect data from your device for our credit scoring system, such as device manufacturer, model, operating system, installed software, and unique user identifiers. We also gather your email and phone book contacts, SMS logs, and GPS location information. To supplement this data, we collect information from third parties like credit bureaus and financial institutions. By registering, you authorize the collection and processing of this data.

We are committed to safeguarding your data to the highest standards.

The following document outlines our approach to collecting, storing, utilizing, transferring, disclosing, and safeguarding your Personal Information. Please read carefully to understand our perspectives and practices regarding your Personal Information and its handling. By downloading the app, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy as outlined below. You also consent to the collection, use, storage, processing, and disclosure of your Personal Information as detailed in this Privacy Policy. This Privacy Policy, along with our Terms of Use and any additional terms, applies to your use of the System and the Service.

This Privacy Policy covers the following areas:

Definition

Unless explicitly stated otherwise, all capitalized terms used in this Privacy Policy have the same meanings as defined in our Terms of Use (where applicable).

Personal Information We Collect

We collect specific Personal Information about you. This information may be provided directly by you (e.g., when registering an Account via the Application or providing Personal Information in other ways) or obtained from third parties. Additionally, it may be automatically collected during your use of the Application. The methods and purposes of information collection vary and include those permitted by Applicable Law.

Information obtained directly from you or your Mobile Device

Upon registration and creation of your Account using the Application, you must provide us with various Personal Information, including but not limited to your name, ID NUMBER, date of birth, gender, educational background, religion, photo, physical address, email address, work details, marital status, emergency contacts, phone number, SIM card particulars, financial and credit information (such as Mobile Money and bank details, and bank verification number, where applicable), as well as an Account ID and/or password for accessing the Application post-registration.
When using the Application, you are required to provide relevant information necessary for its operation. For example, when conducting payments via the electronic money facility within the Application, you provide payment-related details such as payment card type, mobile wallet account details, issuer name, account holder name, account number, and payment amount.

Information collected during your Application usage or Website visit:

When the Application is used or our Website is visited, we may collect specific technical data related to your activities, including IP address, previously or subsequently viewed web pages, session durations, device ID or media access control address, and device manufacturer, model, and operating system information. Additionally, when using the App or visiting our Website, certain data may be automatically collected via cookies. Cookies are small files stored on your computer or mobile device to track user activity and enhance user interface and experience. While most devices and browsers support cookies, you can adjust settings to reject certain types or specific cookies, or delete stored cookies at any time, though this may affect App or Website functionality.
When using the app on your Mobile Device, real-time geolocation information is tracked and collected. Enabling GPS on your Mobile Device may enhance the app experience. We endeavor to cease geolocation data collection when the app operates in the background, although inadvertent collection may occur. You can temporarily disable geolocation tracking on your Mobile Device, understanding that this may impact available app functionalities.
Technical details required during Application usage, such as your Mobile Device type, unique device identifiers (e.g., IMEI number, MAC address of wireless network interface, or mobile phone number), mobile network information, mobile operating system, mobile browser type, and timezone settings, are also collected.
Furthermore, information stored on your Mobile Device, including contact lists, call logs, SMS logs, social media details (e.g., Facebook), and contact lists from other social media accounts, photos, videos, or other digital content, may be gathered.

Your Use of the Service

1. The Service provided by us is intended for individuals aged 18 and above. We reserve the right to verify the authenticity and status of your Mobile Money Account with the relevant Mobile Money provider.
2. Notification of your Account acceptance will be displayed within the Application. You acknowledge and agree that our acceptance of your Account application does not establish any contractual relationship between you and the Mobile Money Providers beyond the terms and conditions applicable to your Mobile Mone Account at any given time.
3. We retain the right to decline or rescind your Loan application at any stage, at our sole discretion, without providing reasons or notice.
4. We reserve the sole and absolute discretion to approve, reject, or modify the terms of any Loan based on our assessment of your credit profile. Loan terms and applicable interest rates will be presented within the Application.

Information Obtained from Third Parties

In fulfilling our service obligations, we collaborate with third parties (e.g., credit bureaus, banks, mobile network providers, collection agencies, agents, suppliers, contractors, partners) who may provide us with your Personal Information. We collect this information solely for the purposes of our engagements with these parties, ensuring compliance with Applicable Law and this Privacy Policy.

Information about third parties provided by you

You may provide us with Personal Information regarding third parties (e.g., spouses, family members, friends, emergency contacts), requiring their consent as detailed in the "Acknowledgment and Consent" section below.

Use of Personal Information We Collect

We may use the Personal Information collected for the following purposes, as well as others permitted by Applicable Law:

a. Identifying and registering you as a user, managing your Account and its credit terms.
b. Facilitating necessary checks prior to Account registration.
c. Disbursing loans and managing Service payments.
d. Developing credit models and performing credit scoring.
e. Compliance with legal obligations such as know-your-customer and anti-money laundering regulations.
f. Communicating with you and sending information relevant to app usage.
g. Notifying you about app updates or Service changes (e.g., interest rates, transaction fees).
h. Processing and responding to inquiries and feedback.
i. Developing, testing, enhancing, and customizing the app.
j. Contacting you via automated calls or SMS for authorized purposes.
k. Monitoring user activity, demographic data, trends, and Service usage.
l. Sending direct marketing communications, special offers, or promotions.

Sharing of Personal Information We Collect

We may disclose or share your Personal Information with Affiliates and other parties for the following purposes, in addition to those permitted by Applicable Law:

a. Compliance with legal requirements (e.g., responding to regulatory inquiries, investigations).
b. Legal proceedings related to you or our operations.
c. During negotiations of mergers, asset sales, or business restructuring.
d. Collaboration with third parties providing services, including marketing, research, and product development.
e. Publication of aggregated and anonymized statistics.
f. When disclosure is necessary to comply with Applicable Law, prevent harm, report illegal activity, or investigate Terms of Use violations.
g. We make reasonable efforts to anonymize Personal Information when it is not necessary to associate it with you.

Cross-Border Transfers of Personal Information

Your Personal Information may be transferred, stored, used, and processed outside your home country or present location during your use of our Services. We ensure such transfers maintain a level of protection comparable to that required by your country's laws, in accordance with this Privacy Policy.

Retention of Personal Information

We retain Personal Information only as long as necessary for its collected purpose or as required by Applicable Law. We discontinue retention when it no longer serves the intended purpose or legal/business requirements, removing means of association with you as an individual.

Accessing and Correcting Personal Information

You may request access to and/or correction of your Personal Information in our possession by contacting us as provided below. We reserve the right to charge an administrative fee per Applicable Law. Refusal may occur where permitted by Law or for trivial reasons.

Where We Store Your Personal Information

Personal Information collected may be stored, transferred, or processed by third-party service providers ensuring a level of protection comparable to this Privacy Policy. This may involve storage or processing outside your home country, managed by our personnel or third-party providers.

Security of Your Personal Information

Protecting your Personal Information is paramount. We employ reasonable measures to prevent unauthorized access, collection, use, disclosure, or processing, and protect against loss or damage. However, internet transmission security cannot be guaranteed. You are responsible for maintaining confidentiality and securing your account and mobile device.

Changes to this Privacy Policy

We may revise this Privacy Policy at our discretion to comply with legal/regulatory developments or future changes. Notice of modifications will be provided through general notices on the Application/Website or via your provided email. Your continued use constitutes acceptance of revisions.

Language

In case of inconsistency, the English version of this Privacy Policy prevails over other language versions.

Acknowledgment and Consent

By accepting this Privacy Policy, you acknowledge understanding and acceptance of its terms, including collection, use, disclosure, storage, transfer, or processing of your Personal Information. For Personal Information of third parties, you warrant obtaining consent as outlined herein.

Marketing and Promotional Material

We may send marketing communications via various channels. You can opt-out through provided features or contacting us. Non-promotional communications will continue (e.g., loan receipts).

Third-Party Websites

Links on our App/Website may lead to third-party sites. We do not control these and are not liable for their data practices. Refer to their policies for information collection/use.

Limitation of Liability

We disclaim liability for indirect, incidental, consequential, special, exemplary, or punitive damages arising from App usage or third-party interactions. We are not liable for delays or failures due to causes beyond our reasonable control.