Privacy Policy
Dear User, welcome to Ncredit’s cash loan service! We highly value your privacy and personal
information
protection. This Privacy Policy explains how we collect, use, store, and protect your personal data,
as
well as the rights you have over your information. Please read this policy carefully.
How We Collect Your Personal Information
1.Personal Information
When you register on the platform and fill in the relevant information, we will collect various
types of data you provide (including but not limited to phone numbers, names, BVN numbers,
educational qualifications, etc.). From the moment you submit, all data will be highly encrypted
and
uploaded to https://api.ncreditng.com. Please rest assured that we take privacy protection very seriously
and,
with a responsible attitude towards you, will never share your information with any third party
without your explicit permission.
2.Device Information
To safeguard your account and transaction security, by conducting performance testing and user
identification for devices, we will collect your device information (including but not limited
to
IMEI, IP address, system version, etc.). All data will be highly encrypted and uploaded to
https://api.ncreditng.com. Rest assured, without your permission, we will never share your information and
will
keep it strictly confidential.
3.Location
For the safety of your account, used to detect abnormal behavior, we collect general location
information. All data will be highly encrypted and uploaded to https://api.ncreditng.com. Rest assured,
without
your permission, we will never share your information and will keep it strictly confidential.
4.Camera
To verify the authenticity of the user's identity, ensuring that it is the person themselves
applying for a loan and preventing others from misusing identity information for lending fraud,
we
need to obtain your camera permissions. All data will be highly encrypted. Rest assured, without
your permission, we will never share your information and will keep it strictly confidential.
5.Contacts
For your convenience, only the emergency contact information (relationship, name, and phone
number)
you fill in will be collected. All data will be highly encrypted and uploaded to https://api.ncreditng.com.
Rest assured, without your permission, we will never share your information and will keep it
strictly confidential.
6.Device Applications
To determine the authenticity of the device and prevent fraudulent behavior, we will collect
application data installed on your device (covering application name, version number,
installation
time, etc.). All data will be highly encrypted and uploaded to https://api.ncreditng.com. Rest assured,
without
your permission, we will never share your information and will keep it strictly confidential.
7.Message Notifications
To enable you to keep abreast of borrowing progress and activities, we need to obtain permission
for
message notifications. We will reasonably push message notifications, please feel free to
authorize
us.
8.File Permissions
To ensure you can normally use the APP and upload/download files, we need to obtain read and
write
permissions for files. Rest assured, we will encrypt your data at a high level and ensure its
security.
9.Advertising ID
To deliver advertising content to specific groups of users under certain conditions, we need to
obtain permission for your Advertising ID. All data will be highly encrypted and uploaded to
https://api.ncreditng.com. Rest assured, without your permission, we will never share your information and
will
keep it strictly confidential.
How We Use Your Personal Information
1. Provide Services – Ensure smooth app functionality and deliver requested services.
2. Improve User Experience – Optimize app features and personalize your experience.
3. Enhance Security – Prevent fraud, detect threats, and maintain system integrity.
4. Handle Customer Support Requests – Process inquiries, complaints, and feedback efficiently.
5. Ensure Legal Compliance – Meet regulatory requirements and assist in law enforcement when necessary.
2. Improve User Experience – Optimize app features and personalize your experience.
3. Enhance Security – Prevent fraud, detect threats, and maintain system integrity.
4. Handle Customer Support Requests – Process inquiries, complaints, and feedback efficiently.
5. Ensure Legal Compliance – Meet regulatory requirements and assist in law enforcement when necessary.
How We Store Your Personal Information
1. Storage Location - Your data is stored securely on Alicloud, a global third-party cloud provider
with multi-layer security protections, including firewalls, DDoS attack prevention, and data
encryption.
2. Storage Period - Your personal information is stored for the duration of your service usage and in accordance with the minimum legal retention period.
2. Storage Period - Your personal information is stored for the duration of your service usage and in accordance with the minimum legal retention period.
How We Protect Your Personal Information
1. Technical Measures - We use advanced encryption (SSL/TLS protocols) to secure data transmission
and storage. Regular security scans and vulnerability patches are implemented. Access to personal
data is strictly limited to authorized personnel.
2. Management Measures - Employees undergo security training to ensure compliance with data protection policies. We have emergency response plans in place for security incidents.
2. Management Measures - Employees undergo security training to ensure compliance with data protection policies. We have emergency response plans in place for security incidents.
Your Rights
1. Right to Access – You may view the personal data associated with your account.
2. Right to Rectification – If your data is inaccurate, you can request corrections.
3. Right to Deletion – You can request data deletion under the following conditions:
- If data collection was illegal.
- If it violates agreements between you and Ncredit.
- If you no longer use our app or have deleted your account.
4. Right to Account Deactivation – You may delete your account at any time. Upon deletion, your data will be either erased or anonymized, except for legally required information retention.
2. Right to Rectification – If your data is inaccurate, you can request corrections.
3. Right to Deletion – You can request data deletion under the following conditions:
- If data collection was illegal.
- If it violates agreements between you and Ncredit.
- If you no longer use our app or have deleted your account.
4. Right to Account Deactivation – You may delete your account at any time. Upon deletion, your data will be either erased or anonymized, except for legally required information retention.
Protection of Minors
We do not knowingly collect information from minors. If you are under 18, please use the service
under the supervision of a legal guardian and obtain their consent.
Policy Updates
We may update this Privacy Policy based on business needs or legal requirements. Any changes will be
publicly announced in the app and on our official website.
Contact Us
• Customer Service Hotline: 07016653144 / 08024200320 / 07017296111
• Email: ncreditcustomerservice@gmail.com
• Address: 10, Ilado Road, Badagry 103101, Lagos State, Nigeria
• Email: ncreditcustomerservice@gmail.com
• Address: 10, Ilado Road, Badagry 103101, Lagos State, Nigeria
Account cancellation is an irreversible operation.
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Deregister Immediately
After cancellation, your personal information, loan record information, credit limit and discounts
in your account will be deleted together. Please handle with caution.
Cancelled Successfully
Your account has been successfully cancelled.
Looking forward to seeing you next time.
Looking forward to seeing you next time.
Acknowledgement