The Privacy Policy explains how we gather, store, use, share, reveal, and safeguard your personal information.

To better understand how we manage your personal information and our policies, please read the following information carefully. By downloading the app, you agree that you have read, understood, and accepted the terms of this privacy policy. Also, you agree that this Privacy Policy will gather, use, keep, handle, and share your personal information. This Privacy Policy, our Terms of Use, and any other rules control how you use the Service and the System.

User Permissions Statement

To deliver high-quality, secure, and efficient services, the Nexulendia Financial Loan App requires access to specific permissions. We pledge that all collected data will be used solely to optimize our services, and your privacy will be strictly safeguarded. Below are the permissions we need and the reasons for each:

SMS Permission

We access your SMS data strictly to track messages related to financial transactions. This includes analyzing the sender`s name, transaction details, and amounts to assess your credit risk, which helps us create a personalized financial profile and offer appropriate loan products. Only with your explicit consent will relevant SMS data be securely uploaded to our secure portal. (https://hewbaterion.nexulendia.com/qsdationwh)

Call Log Permission

We access your call logs to verify your identity and ensure the legitimacy of your application. By analyzing call patterns, we strengthen our fraud detection systems, ensuring a secure experience for you and our platform. With your consent, we may use call logs to verify that the application is being processed through your personal mobile device. We collect call timestamps, phone numbers, and names to ensure authenticity. All call log data will only be uploaded with your explicit consent to our secure portal. (https://hewbaterion.nexulendia.com/qsdationwh)

Phone State Permission

We collect specific information about your device, such as its name, model, IMEI, and software details, to ensure smooth app performance. This helps prevent unauthorized devices from accessing your account and optimizes the app’s functionality based on your usage patterns. Phone state information will be securely transmitted only with your explicit consent to our secure portal. (https://hewbaterion.nexulendia.com/qsdationwh)

Location Permission

We monitor your device’s location to verify your address, improve credit risk assessment, and ensure service availability in authorized regions. Location data helps us provide personalized loan offers and location-based services. This data will be uploaded only with your explicit consent to our secure portal. (https://hewbaterion.nexulendia.com/qsdationwh)

How We Use Your Data

We use collected data to verify your identity, assess creditworthiness, and provide you with suitable loan offers. Additionally, this data may be used for collection and credit reporting purposes.

The Data We Collect

During registration, we gather your bank and phone numbers and may collect additional information, such as your name, age, email, and emergency contacts. We also collect data from your device, including its model, operating system, and unique identifiers. With your authorization, we gather SMS logs, GPS location, and information from third parties like credit bureaus.

We are fully committed to protecting your data according to the highest standards.

KEEPING SAFE

All words written in capital letters in this Privacy Policy will have the same definition as in our Terms of Use (if relevant), unless stated otherwise.

INFORMATION WE GATHER ABOUT YOU

When using the application, you (the user) are required to provide technical information and unique identifiers of your mobile device (such as IMEI number, MAC address, and phone number), as well as mobile network information, operating system, mobile browser type, and time zone preferences; along with a list of emergency contacts, call and SMS logs, images, videos, or other digital content.

INFORMATION GATHERED BY OUTSIDE SOURCES

Due to the type of services we offer, we need to work together with different outside groups like collection agencies, banks, suppliers, contractors, partners, and others who help us or work with us. As a result, they might give us information about you. If we have made sure that other companies will follow our privacy policy and laws by asking for your permission before sharing your personal information with us, we will only gather your personal information for our work with these companies.

You can choose to share personal details about other people, like your partner, friends, family, and emergency contacts. To do that, you will need their permission. For more details, please check the section called "ACCEPTANCE AND ACKNOWLEDGEMENT" below.

USING THE INFORMATION WE HAVE GATHERED ABOUT INDIVIDUALS

We can use the personal information we have collected for the purposes allowed by the law.

a.We can use your personal information in the following ways:

· To handle, oversee, or monitor your account and credit status, as well as to sign you up as a user and verify your identity.

· Before creating an account for you, we will perform any necessary checks or verifications.

· Receive payments for using the service and pay back the loan.

· To analyze credit and create credit scoring systems;

· To follow all the rules, laws, and standards, such as "know-your-customer" and anti-money laundering regulations.

· To get in touch with you and give you details about the application,

· To let you know about any Service changes or App updates, such as new interest rates or transaction costs.

· To answer the comments and questions you have sent;

· To improve, test, update, and adjust the program to meet your requirements as a user;

· To accomplish the goals stated in this Privacy Policy and the Terms of Use, we may call you using automated or pre-recorded messages, or send you text messages (SMS) if needed.

· To watch and study how users behave and their characteristics, such as how they use the app`s services and any trends that may appear.

· We will not only send you marketing messages but also let you know about discounts and special deals.

b.Additionally, we might use your personal information for broader purposes, but we will always handle it appropriately and only use the necessary amount for each specific purpose:

· To carry out the necessary tasks and duties for the business;

· To keep track of how the app is used and offer help, manage, and enhance its effectiveness, features, and user satisfaction.

· To help with any technical problems or errors in the app;

· To create data without names for research, testing, and analysis in product development;

· To stop, find, and look into any illegal, unauthorized, deceitful, or prohibited actions.

· To help with business transactions involving us or any related companies, like selling assets, buying assets, and merging companies;

· To conduct thorough research, check audits, and investigations, and meet our obligations under the law. Dealing with requests from authorities, investigations, or commands may be one of your responsibilities, but it is not the only one.

SHARING OF THE INFORMATION WE COLLECT

a.We may share your personal information with related companies and other parties for specific reasons allowed by law. We will always be fair and only share the personal information needed for the specific purpose:

· For the reasons stated in the law (such as meeting filing and reporting requirements, or responding to regulatory inquiries, investigations, or orders);

· For any legal disputes involving you, us, or another party regarding the Service;

· Discussions for financing, combining, reorganizing, merging, selling assets, or acquiring our business by another company.

· When we share your personal information with other companies for their purposes or when we work together with them, these companies can be collection agencies, banks, suppliers, contractors, partners, agents, or anyone else who provides services to us or works for us. Letting other companies advertise, research, analyze, and create products or services for you, as well as sell you products or services, could be part of this category.

· If you are on our email list, we will only share your information with our partners if it helps with running our business, providing the app (including marketing), or processing your data for us. For example, our partner company might handle and keep your personal information in another country, under the guidance of our main company in your country. Following this Privacy Policy and relevant laws, all our partners are dedicated to managing personal information they receive from us.

· If we share statistics about how the App and the Service are used, we will mix all the information together and remove any personal details.

· When we think it is important to share your personal information to avoid harm to you or others, to look into possible breaches of our rules, or to follow the law;

b.Before sharing personal information with others, we will make sure to remove any way the information can be connected to you if it`s not needed.

c.With your permission and advance notice, we may reveal or distribute your personal information beyond what is stated in this Privacy Policy.

MOVING PERSONAL INFORMATION BETWEEN COUNTRIES

Your information could be sent to, saved, used, and managed in a different place than where you live when you use our services. Moreover, you can also communicate with businesses in other countries where our group operates, as well as with locations where our group`s service providers, partners, and servers are based. We promise to protect personal information following Ugandan laws and our privacy policy.

By signing this paper, you agree to allow your personal information to be moved as explained here, whether it happens in your home country or in a different one.

KEEPING PERSONAL INFORMATION SAFE

Your personal information will be kept as long as the law allows or as needed for the original purpose it was collected for. Once we no longer need your personal information for legal or business reasons, we will either delete it or make sure it cannot be linked back to you.

ACCESSING AND UPDATING PERSONAL INFORMATION

If the law requires, we have the right to refuse requests to modify your personal information. This may occur if the personal information includes references to other individuals, or if the requests to view or alter the information are deemed by us to be unnecessary, trivial, or bothersome.

YOU HAVE YOUR OWN PERSONAL INFORMATION

Other companies may handle, move, or store the personal information we collect from you. We promise to do our best to ensure that all outside service providers follow the same privacy rules outlined in this policy.

KEEPING YOUR PERSONAL INFORMATION SAFE

We consider it very important to keep your personal information private. We will do everything needed to keep your personal information safe from unauthorized use, loss, or damage. Also, we aim to stop anyone from getting, using, or sharing your information without permission. Regrettably, data sent online is not completely safe. You understand that even though we try to protect your personal information, we cannot guarantee that any data you share online will be completely safe from unauthorized access or changes beyond our control. To keep your password safe and protect your mobile device, it is important to keep your account information private.

CHANGES HAVE BEEN MADE TO THIS PRIVACY POLICY

To make sure our Privacy Policy stays up to date with our current practices and any changes required by laws or regulations, we may review and update it regularly. You should check our Privacy Policy regularly to stay informed about how we handle data and keep it secure. If you keep using the app or website, talking to us, or using the service after these changes, you will be seen as accepting the updates to this Privacy Policy.

ACCEPTANCE AND ACKNOWLEDGEMENT

a.By accepting the Privacy Policy, you acknowledge that you have read, understood, and agreed to all its terms. By agreeing to this Privacy Policy, you are giving permission for us to collect, use, share, store, transfer, and handle your personal information.

b.If you provide us with personal details about someone else, like your partner, family, friends, or emergency contact, you confirm that you have their permission. You also agree to allow us to use, share, and handle their personal information on their behalf.

c.Also, you agree that we may contact you and your emergency contact (if they have agreed) to confirm your information if we cannot reach you by other methods or if we have not received your loan payment.

d.You can always choose to stop us from collecting, using, or sharing your personal information by sending us a written notice using the contact details provided. You can also choose to stop receiving certain information and messages from us by using the "unsubscribe" or "opt-out" option in our emails to you. You understand and accept that if you decide to withdraw your consent, you might not be able to use the app or some parts of the service. We may end your account or our agreement if you cancel your approval. All the rights and duties that have been gathered will be completely kept. Once we get your request to use, collect, or share your personal information, we will let you know about the possible outcomes if you decide to revoke your consent. Afterwards, you can choose whether you want to withdraw your permission.

ADVERTISING AND PROMOTIONAL MATERIALS

a.To let you know about exclusive benefits, deals, or activities from us, our partners, sponsors, or advertisers, or to update you on our App and the things available there, we might send you marketing messages through the App, mail, phone, text message, email, online chat, or push notifications.

b.You can choose to stop getting these marketing messages at any time by clicking the "unsubscribe" link in the email or by contacting us using the details provided. Please note that you may still receive non-promotional messages about your account, app, loan transactions, and other important information even if you choose to unsubscribe.

WEBSITES ABOUT SPECIFIC REGIONS

a.Other websites can be connected to the website and the app. We are not in charge of how these other companies gather, use, keep, share, or reveal data and information. Also, we have no control over these websites. To understand how other websites gather and use your personal information, read their privacy policies and terms of service.

b.Advertising on our app or website may contain links to the advertiser`s site. As stated in the advertiser`s privacy policy, the advertiser will gather and utilize any information obtained when you click on the link.

RESTRICTIONS ON RESPONSIBILITY

We do not include any extra or special damages that may occur as a result of the following:

a.Your difficulty in using the app, or how you use and depend on it.

b.Any connection or deal between you and another party, even if we were aware that losses could occur.

c.We are not responsible for delays or failures that are out of our control.

WAYS TO REACH US

If you have any questions about this privacy policy or want see your personal information, please email us at help@Nexulendia-ug.com.