Privacy Policy GO CASH
GO CASH is a formal loan application with a Nigerian FCCPC financial license. While improving the accuracy of credit assessment, it also increases the pass rate of certain groups of people. We provide personal loan products that comply with local regulations and relevant Nigerian regulations, and have been strictly reviewed and approved in many aspects such as consumer rights protection, loan interest rate supervision, and loan process transparency.
GO CASH application (hereinafter referred to as "this application") operated by Prosperity Archipelago Limited (hereinafter referred to as "we") attaches great importance to user privacy protection. This privacy agreement is intended to explain to you in detail how and under what rules we collect, use, share, store and protect your personal information during your use of this application. Please read carefully and fully understand the entire content of this privacy agreement before using this application. If you have any questions or suggestions about this privacy agreement, please feel free to contact us.
How we collect your personal information：
The purpose of collecting personal information is to provide you with better loan services, enhance user experience, and ensure compliance with relevant laws and regulations.
We will only collect personal information directly related to the realization of business functions to the necessary extent:
When registering and applying for a loan, we will collect your name, ID number, contact information, occupation, income and other information. This data is used to comprehensively evaluate your loan qualifications and credit status in order to match you with suitable loan products, and will also be used to send repayment reminders and service communications. All personal information is transmitted via SSL encryption technology and stored on a secure server: https://wls.gocash.lol. It will never be disclosed to a third party without your authorization.
Before applying for a loan, we need to obtain your approximate location information. This information will be used to recommend loan plans that comply with local financial policies and market environments, and provide localized customer service and support. In addition, we only provide loan services to Nigerian citizens, so we need to determine whether you meet the application conditions based on your location information. The relevant data will be encrypted and uploaded to the server: https://wls.gocash.lol.
Some SMS permissions:
We need access to some user SMS information to ensure applicants are genuine and prevent loan fraud. This information is primarily used to determine whether users are using real devices to conduct independent loan transactions and whether multiple loan transactions have occurred using the same device or number. Such situations may be considered loan fraud. Furthermore, we actively adhere to Google's privacy policy and only collect the following financial information: [PAY, FUND, DEBT, CHIT, KASH, NAIRA, WALLET, MOOLA, MONEY, LAIRA, Fhund, FINANCE, DUE, LOAN, CASH, REDI, LEND]. This information is used to assess users' financial status, and our credit model will determine the appropriate credit limit based on their financial activity. The collected information will be encrypted and uploaded to our server: https://wls.gocash.lol. and deleted within 6 hours after approval.
To protect the security of your funds and data, we will collect the application information you actively installed in the app market (excluding device native application data). Scan the device to detect high-risk applications, Trojans, viruses and other harmful programs. If such applications are found, they may affect your credit score. The relevant data will be uploaded to the server in encrypted form: https://wls.gocash.lol.
, and deleted regularly.
This permission is mainly used for irregular telephone return visits to understand user needs and optimize application functions. At the same time, when further verification of loan application information is required but you cannot be contacted directly, the emergency contact information will be used as a backup contact method. We will only use your contact information in necessary scenarios related to loan services, and strictly protect the information from being leaked. The data will be encrypted and uploaded to the server: https://wls.gocash.lol.
We will collect device information (such as device model, operating system version, IMEI, MAC address, etc.) to adapt to different devices to ensure stable operation of the application, improve user experience, and prevent virtual device loan fraud. Device information can also be used for security protection, such as identifying abnormal logins and preventing fraud attacks. We will encrypt and store device information and will not improperly associate it with your personal sensitive information to protect your privacy and device security. The relevant data will be encrypted and uploaded to the server: https://wls.gocash.lol.
How we use your personal information:
Provide loan services: Use your personal information for core business processes such as loan application review, approval, issuance, and repayment management. For example, evaluate the loan amount and interest rate based on the income and credit information you provide, and use your bank account information to issue loans and automatically deduct repayments.
Personalized services and recommendations: Provide you with personalized loan product recommendations, promotional event notifications, and related financial service information based on your personal information and usage behavior. For example, based on your past loan preferences and repayment records, recommend new loan products that better meet your needs or adjust the amount and term of existing products.
Service improvement and optimization: Analyze your personal information and usage data to improve the application's functions, interface design, operation procedures, etc., and enhance user experience. For example, by analyzing the functional modules that users frequently operate and the problems they encounter, we can optimize and upgrade the application in a targeted manner.
Security and risk prevention: Use your personal information for identity authentication, anti-fraud monitoring, and to ensure the network security of the application. For example, identify abnormal login and operation behaviors through device information and behavior patterns to prevent account theft and fraud.
How we protect your personal information
Security technical measures: We use a variety of security technical means to protect your personal information, including but not limited to data encryption (such as SSL encryption technology to protect data transmission security and encrypt sensitive information for storage), access control (setting strict user authority management to limit employees and third parties' access to data), firewall settings (preventing external illegal network access), etc.
Personnel management measures: Conduct strict background checks and authority management on employees involved in the processing of your personal information, sign confidentiality agreements, and conduct regular data security and privacy protection training to improve employees' security awareness and compliance operation level.
Emergency response measures: Develop a complete data security incident emergency plan, and when security incidents such as data leaks occur, be able to quickly activate the emergency response mechanism, take measures to reduce losses, and promptly notify you and relevant regulatory authorities in accordance with laws and regulations.
Security vulnerability management: Regularly scan and repair security vulnerabilities in applications and systems, follow up and apply security patches in a timely manner to ensure the security and stability of the system.
Your Rights
Accessing, Correcting, and Updating Your Personal Information: You can access and modify the personal information you provide, such as your name, contact information, and address, through the "Personal Information Management" or "Settings" functions within this app. Query operations will be displayed in real time, and modifications will generally take effect immediately upon successful submission. However, some information may experience a brief delay due to system synchronization issues.
Obtaining a Copy of Your Personal Information: You have the right to obtain a copy of your personal information within this app. You can contact our customer service team and follow the instructions and procedures provided to request a copy.
Deleting Your Personal Information: We will anonymize and delete your information within six hours after your loan review. You can also delete your information by deregistering your account in the app or on our website. If deregistration fails, please contact us immediately.
Changing the Scope of Your Authorization or Revoking Your Authorization: You can at any time disable some or all device permissions, such as camera, photo album, and location access, by going to "Settings - Privacy" within this app or through your device's system permissions to refuse us from collecting your personal information. You can also revoke your authorization for us to process certain personal information through specific procedures (e.g., the relevant options found on the privacy policy page within the app). Please note that withdrawing authorization may affect your continued use of certain features of this app.
Account Cancellation by Personal Information Subjects: If you wish to cancel your Flash Loan account, you may submit a cancellation request through the app's "Settings - Account Management - Account Cancellation." Before canceling your account, please ensure that all loan payments have been settled and that you have no outstanding business transactions. Upon receipt of your cancellation request and verification of the relevant information, we will promptly cancel your account and delete or anonymize your personal information in accordance with legal and regulatory requirements.
How we handle information of minors
Our services are only for adults. If we find that a minor provides us with personal information and applies for a loan without the consent of his/her guardian, we will reject the loan application and delete the relevant information in a timely manner. If you are the guardian of a minor and find that a minor provides us with personal information, please contact us in a timely manner and we will assist you in handling relevant matters in a timely manner.
How to update this policy
We may update this privacy policy based on business development, changes in laws and regulations or other needs. The updated privacy policy will be posted in a prominent position in this application and notified to you in an appropriate manner (such as push notifications, pop-up prompts, etc.). After the privacy policy is updated, if you continue to use this application, it means that you have accepted the updated privacy policy.
How to contact us
If you have any questions, comments or suggestions about this privacy policy, or if you encounter problems related to personal information protection during the use of this application, you can contact us in the following ways:
Customer service email: support@krestonfinance.online
Customer service phone: +234 08171911979
In-app feedback: You can submit your questions and feedback in the "Online Customer Service" function in this application. We will handle your inquiry or feedback as soon as possible and give you a reply within a reasonable time (usually no more than 5 working days) after receiving your inquiry or feedback.
Dispute Resolution
If you have a dispute with us during the implementation of this Privacy Policy, both parties shall first resolve it through friendly negotiation; if the negotiation fails, you may file a lawsuit with the People's Court with jurisdiction.