Privacy Policy

Last updated:October 17, 2023

This privacy policy ("Policy") will help you understand how AsukMoney("we", "us", "our ") how we collect, store, protect and use your personal information. When login the app, we acknowledge that you have carefully read, understood and accepted the terms of this Privacy Policy and agree that we collect, use, store, process and disclose your personal information data in the manner stipulated in this Privacy Policy. If you do not agree to this Privacy Policy, you may not use the Services.

ASUKWO GLOBAL EMPIRES LTD (hereinafter referred to as " AsukMoney", "we", "us", "our"), which address is 12,Mercy land estate Lagos, Lagos 102361 ,Nigeria. When we collect your personal data (as defined below), we are responsible for the use and protection of your personal data.

PERMISSIONS WE REQUEST

Please read the following carefully to understand our views and practices regarding your personal data and how we will process it.

1. Mobile device information

After registering and authorising access to the information of the holder's mobile device, AsukMoneycollects the information of said mobile device, including the device name, model, region, language configuration, operating system and hard drive, IMEI code, and status. The above information will be used to provide security for the account owner's account, prevent fraud, analyse the stability of the service, and for advertising campaigns.

2. Storage

AsukMoneyrequests the holder authorise access to the storage space of the mobile device in order to properly fill out the credit application with the file of the holder's choice.

3. Location

AsukMoneycollects and monitors the location of the mobile device after the owner expressly consents to it in order to analyse possible credit risks related to credit applications, access security, and advertising campaigns.

4. Phone number

To prevent frauds, we have to acquire some phone numbers of your contacts (e.g. emergency contacts, friends, etc.), you need to allow AsukMoneyto obtain contact permissions so that the Application can automate the loan application process. Gathering contact information to evaluate your credit score is part of our lending process. In this sense, when submitting the application form, we collect your contact information to detect close contacts, allowing you to automatically complete the loan application process. In addition, we collect contact information from your device for risk analysis by allowing us to detect reliable contacts. The more information we get, the lower the risk associated with the user. Contact information will only be collected after you click "Accept".

All contact data will be encrypted and uploaded to our https://asukmoney.com server through the app. However, we filter and delete personal contact data only from our server and never share it with third parties this data.

5. Camera

AsukMoneyrequests the holder's authorization to use the mobile device's camera in order to take a picture and upload the photo to fill out the credit application and verify the holder's identity.

The face data collected by our application includes the user's facial features, such as facial expressions, facial contours, etc.

The usage of collected face data includes but not limited to the following aspects:

Used for user authentication and authorization to ensure that only authorized users can access and use specific features of the application.

Used for face recognition functions, such as automatically marking people in photos, recognizing facial expressions, etc.

Used to personalize the user experience, such as adjusting the appearance and interaction of the application interface according to the user's facial expressions.

We will not share the collected face data with any third parties. All data will be stored on our secure servers to ensure the security and privacy of user information.

The time the collected face data will be kept depends on the user's usage in the app. If the user chooses to delete the application or close the account, the corresponding face data will also be deleted.

6. Calendar

AsukMoneyrequires users to authorize access to the calendar, which is mainly used for reminding disbursment and repayment. It will also collect information about events on the calendar to help with risk analysis, speeding up the credit approval process.

7. Application Information

AsukMoneycollects information about the applications installed on the holder's mobile device, including the application's name, version, and size. The information collected is used for credit risk analysis and fraud prevention, helps shorten the approval time of credit applications, and provides the holder with a credit limit.

8. Service information

It collects information about the use of the AsukMoneyapplication when it is used. Said information includes visits during service, login history during service outages, device RAM, navigation and page hits, etc. This information will be used to support the owner, analyse and improve the service experience, develop applications, and improve automated fraud risk assessments.

Data Security

1、All your data will be encrypted and uploaded to https://asukmoney.com. We will strictly protect your information. In addition, we will not sell, trade, or disclose your information to third parties.

2、We will not share your face data with any third party unless we obtain your explicit consent or are permitted by laws and regulations. We only share necessary information with specific partners or service providers where the data is required and ensure that they adhere to our privacy standards.

We take a series of security measures, including encryption, access restrictions and data storage security, to protect your face data from unauthorized access, disclosure or misuse.

3、

Tracking and cookies

1. We may use mobile tracking technologies and/or cookies to distinguish you from other users of the app. This helps us improve your user experience on the app.

2. Please also note that:

(1). Certain features are available only through the use of cookies;

(2). We use cookies to help identify you and maintain your signed-in status;

(3). Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session;

3. Uses made of the information

(1). To identify you, to register you as a user, and to administer, manage, or verify your account and your credit conditions as such;

(2). To communicate with you and to send you information in connection with the use of the App;

(3). To to facilitate or enable any checks that we may, in our discretion, consider necessary before we register you as a user;

(4). To disburse the loan and collect payments for your use of the service;

(5). To build credit models and perform credit scoring;

(6). To contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorised for the purposes described in this privacy policy and the terms of use;

(7). To comply with applicable law, regulations, and rules, such as those relating to "know your customer" and anti-money laundering requirements;

(8). To send you direct marketing communications and information on special offers or promotions;

(9). To notify you of any updates to the app or changes to the service (including interest rates, transaction fees, etc.) as they become available;

(10). To process and respond to inquiries and feedback received from you;

(11). To maintain, develop, test, enhance, and personalise the app to meet your needs and preferences as a user;

(12). To monitor and analyse user activities and demographic data, including trends and usage of the service available on the app.

Keep your information current

1、We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. You have the right to request the deletion of the data we have collected about you. However, we will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

2、We will only keep your face data for as long as needed, and once the data is no longer needed to provide services, we will safely delete or anonymize the data.

Your rights

With regard to your personal data in our custody, you have the right to request (a) access to your personal data, (b) the alteration of your personal data, or (c) the transfer of your data to another service provider. We will use your data for the purposes of collecting statistics relating to our user base or loan portfolio and may release such information to any third party for such purposes, provided that such information will always be anonymous. We may also share your personal information in compliance with national or international laws with crime prevention and risk management agencies and service providers.

You may exercise your rights to access, rectify, cancel and object to the processing of your personal data on your own or through your duly authorized legal representative. To do this, you can request the exercise of the rights described in the AsukMoneycooperation by sending an email to support@asukmoney.com quoting the Personal Data Protection Department/Customer Service Voit. You can actively delete all your personal user data on the AsukMoneyplatform through the application personal page - settings - delete account.

We may update this privacy policy without notice. This privacy policy is effective as of the date of posting and applies to all users. We encourage you to periodically review this Privacy Policy for the most up-to-date Privacy Policy. If you continue to use our applications or services, you will be deemed to have received our latest Privacy Policy.

If you have any questions or suggestions about this privacy policy, please feel free to contact us at:

Email: support@asukmoney.com

Office hours: Monday to Sunday 9:00 a.m. to 6:00 p.m.

Company website: https://www.asukmoney.com/