Privacy Policy

By accessing the ZoomCash mobile application (“App”) or any related services (“Services”) provided through the platform (“Platform”), you agree to be bound by the terms outlined in this Privacy Policy. Your use of the Platform constitutes your consent for ZoomCash (“we,” “our,” or “us”) to collect, use, and disclose your personal information as described herein. This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform.

If you do not agree to this Privacy Policy, please discontinue use of the Platform immediately.

Introduction

ZoomCash provides a mobile application through which users can apply for short-term loans (“Loans”). Loans may be provided by us, non-banking financial institutions, or banks (collectively referred to as “Lender” or “Lenders”), based on agreements signed by the borrower and the Lender.

To facilitate loan processing, we are authorized to collect, store, authenticate, verify, and distribute your personal information (“Personal Information”). The data collection process is initiated via the mobile application form. As a company that values your privacy, this Privacy Policy outlines the practices we adhere to in handling your information.

Personal Information Collected

Data Collected During Registration
When you register for the Services, we collect:

• Personal Details: Name, telephone number, age, bank verification number (BVN), email address, and other contact information.
• Device Information: Device make and model, operating system, and installed applications.
• Additional Data: Email and phonebook contacts, SMS logs, GPS location information, and credit-related data from third parties such as credit bureaus and financial institutions.

This information is used for identity verification and credit risk assessments. By registering, you consent to the collection, processing, and use of this data.

Specific Permissions and Their Purpose

Phone Number
We collect your phone number to uniquely identify you and ensure that no unauthorized person or device can act on your behalf. Your phone number will be securely uploaded to https://www.zoomcash.cc/ for verification.

SMS
We collect SMS data related to financial transactions to build your financial profile, perform credit risk assessments, and determine loan eligibility. This ensures that:

• Your loan application is secure and accurately processed.
• Only SMS messages pertaining to financial transactions are collected; personal SMS data is excluded.

Collected SMS data is securely transmitted to https://www.zoomcash.cc/ and deleted after the risk assessment is complete. Without this permission, ZoomCash cannot provide its services.

Call Log
We require access to your call log, including phone numbers, contact names, and call durations, to:

• Verify that the app is being used in a secure, non-simulated environment.
• Prevent fraud and enhance account security.

Call log information is securely uploaded to https://www.zoomcash.cc/ and encrypted during transmission. Users who decline this permission will be unable to use the app.

Calendar Information
We collect calendar data to help you set reminders for loan repayment. This information is securely uploaded to https://www.zoomcash.cc/ and deleted once the risk profile assessment is complete.

Installed Applications
To ensure your device is secure and free from malware, we collect metadata about installed applications, such as:

• Application names, package names, installation dates, and version details.
  This information also helps us evaluate creditworthiness and offer personalized loan options.

Device Information
We collect device-specific details, such as the model, region, hardware, and software information, to ensure only authorized devices access your account. This helps prevent fraud and unauthorized use.

Photos and videos

To comply with local legal requirements, we must collect and process personal identification information, including photos and videos, as part of our Know Your Customer (KYC) procedures. This ensures that we can verify our users' identities, secure transactions, and prevent fraud. All collected data will be treated with the utmost confidentiality and stored securely, accessible only to authorized personnel. We are fully committed to protecting your privacy and will handle all personal data in accordance with applicable privacy laws and regulations. The photos and videos will be securely uploaded to https://www.zoomcash.cc/.

Contact list

To enhance our services and safeguard user security, our app requires access to your contact list. This allows us to automatically fill in emergency contact information and identify reliable references. The more credible the references, the lower the associated risk for the user.

Rest assured, only emergency contact information will be uploaded to https://www.zoomcash.cc/, and your privacy will be strictly protected.

Governing Statute

This Privacy Policy is governed by the laws of the Federal Republic of Nigeria.

Cookies

ZoomCash may use cookies to enhance your experience. Cookies are small encrypted files that track your interactions with the Platform. By using the Platform, you consent to our use of cookies as described.

Disclosures

ZoomCash does not sell, rent, or lease your Personal Information. However, we may share your information under the following circumstances:

• Administrators: Authorized personnel for internal operations.
• Affiliates and Business Partners: For service delivery, analytics, and credit assessments.
• Legal Compliance: To meet legal obligations, such as court orders or regulatory requirements.
• Asset Transfers: In the event of a merger, acquisition, or sale of company assets.

Data Retention

Your Personal Information will be retained for the duration of your use of our Services and while there are outstanding obligations on your account. Once no longer required, your data will be deleted, subject to legal and regulatory requirements.

International Data Transfers

Your data may be stored and processed in countries where we operate. All transfers comply with relevant legal and regulatory requirements.

Security

We use advanced security measures to protect your data. While we strive to ensure robust protection, no system is entirely hack-proof, and we cannot guarantee absolute security.

Access and Modifications

You can access and update your Personal Information through your account. Keeping your details current helps us provide better services.

Communications

• Special Offers: You may opt out of marketing communications by using the unsubscribe link provided.
• Service Announcements: These are mandatory communications related to the Platform’s operations.

Indemnification

You agree to indemnify ZoomCash against any claims arising from your use of the Platform or violation of this Privacy Policy.

Limitations of Liability

ZoomCash is not liable for:

• Loss of data due to unauthorized access or system errors.
• Delays or interruptions in service caused by external factors.

Links to Third-Party Sites

The Platform may contain links to third-party websites. ZoomCash is not responsible for the content or privacy practices of these external sites.

Policy Updates

This Privacy Policy may be updated periodically. Continued use of the Platform constitutes your acceptance of the updated terms.

Contact Us

For questions or concerns regarding this Privacy Policy, contact us at help@zoomcash.cc.

By clicking "Agree," you confirm that you understand and consent to this Privacy Policy.