Welcome to the CashKolo application (hereinafter referred to as "this application" or "CashKolo") developed by CLARITYCARE NG LTD. We understand the importance of your personal information and therefore have formulated this Privacy Policy (hereinafter referred to as "this Agreement") to explain how we collect, use, store, share, and protect the personal information you provide to us during your use of this application. Please read this Agreement carefully to understand how we process your personal information. If you do not agree to any terms of this Agreement, you may stop using this application.

How do we collect your personal information?

Before you apply for a loan, we will request the corresponding permissions based on the loan information you fill in. The following is a detailed description of the new software; please read it carefully:

Personal Information:

We will obtain your name, ID number, contact information, and bank card information that you actively fill in.

This is for identity verification, to ensure your identity is true and valid, and for use in the loan application review process; to verify your repayment ability and credit status so as to match you with a suitable loan amount and plan; to ensure transaction security and prevent fraud, we will compare your ID number with the bank card you provide to further confirm that it is you operating the system and to ensure the safety of your funds. We strictly abide by relevant laws and regulations, encrypting and storing your personal information before transmission, and will never disclose it to any third party. Information will be uploaded to a dedicated server in encrypted form: https://api.cashkolo.com

Location Information:

We will obtain your approximate location information based on your device to provide you with localized financial service recommendations and preferential loan products for specific regions. In accordance with local financial policies, we do not provide loans to non-local users. Furthermore, during risk assessment, we will assist in determining the stability of your place of residence to more accurately assess your credit risk. You can disable location permissions at any time in your device settings. Disabling location permissions may affect the user experience of some localized services, but will not affect the core functions of the loan business. Information will be uploaded to a dedicated server in encrypted form: https://api.cashkolo.com

Camera:

We will use your device's camera function when you fill in information. To facilitate your loan application materials submission and simplify the information entry process, you can take photos of your ID card, bank card, and other relevant documents. In some cases, we may use this function for facial recognition verification to enhance account security and confirm the operator's identity. We will only request camera permissions when you actively use the relevant shooting function. We will not turn on the camera without your permission. All information will be uploaded to a dedicated server in encrypted form: https://api.cashkolo.com

App List Permission:

The purpose of reading the app list is to assess your device usage and risk profile. If high-risk apps are present on your device, it will have an impact on your device.Your loan approval. We do not obtain the specific contents of the app list. We only optimize our risk assessment model by analyzing the types and number of apps actively installed by users to ensure the safety of the platform and your funds. Data will only be encrypted and uploaded to our secure network environment: https://api.cashkolo.com with your explicit consent.

Contact Information Permission:

The permission to obtain contact information is primarily used to contact you through the emergency contact you provide when necessary. In special circumstances, such as loan delinquency, we will only use this permission when it is compliant and necessary. Your contact information will be strictly confidential and will not be used for other unrelated business. Data will only be encrypted and uploaded to our secure network environment: https://api.cashkolo.com with your explicit consent.

Device Permission:

Collecting device information (device model, operating system version) helps us adapt to different devices and ensure the stable operation of the application. In addition, it is used for security monitoring to prevent malware and fraudulent activities. Device information is only used to improve service quality and ensure platform security and will not be improperly associated with your sensitive personal information. Data will only be encrypted and uploaded to our secure network environment: https://api.cashkolo.com with your explicit consent.

How do we use your personal information?

Providing loan services: We will use your personal information to process and review your loan application, and determine the loan amount, interest rate, and repayment period.HTS

Right of Access: You have the right to access your personal information on the C platform at any time, including account information, loan application records, and other personal information. You can log in to this software and easily check your personal information in your personal center or related settings.

Right of Correction: If you find that the personal information we store about you is incorrect or inaccurate, you have the right to request that we correct it. You can submit a correction request to us through the feedback channels within the software (such as online customer service, feedback portal, etc.) and provide the correct information and relevant supporting materials. We will correct it promptly after verification.

Right of Deletion: Subject to compliance with laws and regulations, you have the right to request that we delete your personal information. For example, when we no longer need your information to provide services, or you have withdrawn your consent to our use of your information, and there is no other legal basis to retain your information. You can contact our customer service team to submit a deletion request, and we will delete the relevant information as soon as possible after confirmation. Right to Withdraw Consent: For certain personal information that requires your authorization and consent to be collected and used, you have the right to withdraw your consent at any time. You can withdraw your consent through your device's privacy settings (such as turning off location information authorization) or the relevant function settings of this software (such as canceling the receipt of marketing notifications). After you withdraw your consent, we will no longer collect or use your relevant information based on that consent, but this will not affect the legal processing we have already carried out before you withdrew your consent.

Protection of Minors

We highly value the protection of minors' personal information. This software does not provide services to minors under the age of 18, and we will not knowingly collect minors' personal information. If we discover that we have accidentally collected personal information from a minor, we will immediately take measures to delete the relevant information. If you are the guardian of a minor and find that the minor has provided us with personal information, please contact us promptly, and we will do our best to assist you in handling the relevant matters.

We will update this privacy policy in a timely manner according to changes in laws and regulations, business development needs, or other actual circumstances. The updated policy will be published in a prominent position on this software, clearly indicating the effective date of the update. We recommend that you review this privacy policy regularly to understand the latest changes in our processing of your personal information. If you continue to use this software after the policy is updated, you will be deemed to have agreed to be bound by the updated policy.

If you have any questions, suggestions, or comments regarding this Privacy Policy, our services, or how we handle your personal information, or if you need further assistance, you can contact us through the following methods:

Email: Please send an email to johnsonInfluence@outlook.com. Please indicate "[Privacy Policy Inquiry]" or a relevant subject in the email subject line so that we can process it quickly. We will reply to you within 3 business days of receiving your email.

We value your feedback and take every comment and suggestion seriously, processing and responding promptly to provide you with a better service and experience.

CLARITYCARE NG LTD