Urgent Money Ultra Privacy Statement

This Privacy Statement is made by De Fintek Nigeria Investment Limited (hereinafter referred to as "we" or "the Company") and applies to your use of the Urgent Money Ultra application (hereinafter referred to as the "App"). We are fully aware of the importance of protecting user privacy and are committed to ensuring the security of your personal information. This Agreement will explain to you how we collect, use, store and share your personal information, as well as your rights in terms of personal information protection. Please read this Privacy Statement carefully before using this App. If you use this App, you will be deemed to have fully understood and agreed to all of this Agreement.

I. Scope of Application

This Privacy Statement applies to our collection, processing and protection of user personal information during the use of the Urgent Money Ultra App.

This Agreement does not apply to the collection, use and processing of your personal information by third parties when you are redirected to third-party services through links in this App. For third-party services, you should follow their own privacy policies.

II. Collection of Personal Information

We only collect personal information necessary to provide loan services and related functions, as follows:

Personal information permissions：

Purpose: For identity verification, loan amount assessment and risk control. We need to collect your name, ID number, contact information and other information to confirm the authenticity of your identity and assess your repayment ability and credit status.

Necessity of acquisition: Before applying for a loan, we need you to fill out the personal information form, which is the basis for ensuring that the loan business is carried out legally and in compliance with regulations and protecting the rights and interests of both you and the platform.

Information security: We use strict encryption technology and security protection measures. Only after your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

Location Permissions：

Purpose: Mainly used to determine your location, so as to provide you with loan product recommendations that are in line with local policies and market conditions, and to assist in risk assessment when necessary. For example, some regions may have specific loan preferential policies or restrictions, and location information can accurately match products suitable for you.

Necessity of acquisition: Help us provide you with services that are more in line with actual needs and improve the accuracy and effectiveness of services. If you refuse, it may affect some personalized service experiences based on regions, but will not affect the basic loan application functions.

Information Usage Specifications: Location information is only used within the scope required to provide you with services, and will not be used for other unrelated purposes, and will strictly comply with relevant privacy protection laws and regulations. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

Camera Permissions：

Purpose: Used to take photos of ID cards, face recognition, and other necessary documents and materials. Photos of documents and materials can be used to upload supporting materials required for loan applications.

Necessity of acquisition: It is an important means to achieve a convenient loan application process and ensure transaction security. We need you to provide photos that can verify the authenticity of your identity to ensure the safety of the loan.

Privacy protection measures: The photos taken are only processed locally for the loan application process and will not be saved or shared elsewhere without your consent. After completing the relevant process, the relevant photos will be properly deleted or encrypted and stored in accordance with regulations. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

Calendar permissions：

Purpose: It is convenient for you to set repayment reminders to avoid overdue repayments. We will add reminders to your calendar according to your loan repayment plan to ensure that you can fulfill your repayment obligations on time and maintain a good credit record.

Necessity of acquisition: It helps to improve your repayment experience and reduce the risk of overdue payments. If you refuse to grant calendar permissions, you can still set repayment reminders through other reminder methods in the APP, but it may not be convenient enough.

Scope of permission: It is only used to add reminders related to loan repayments. Other personal schedule information in your calendar will not be obtained. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

Application list permission：

Purpose: By obtaining application list information, we can understand other financial-related applications and credit assessment applications installed on the user's mobile phone, and ensure that there are no malware and high-risk applications in the user's device.

Necessity of acquisition: In order to more accurately assess your credit risk, reasonably determine the loan amount and conditions, and ensure the sound operation of the loan business. But please rest assured that we only obtain the application list that the user actively installs, and will not obtain any application data in the system.

Data confidentiality commitment: The obtained application list information is strictly confidential and is only used for internal risk assessment and service optimization. It will not be disclosed to any third party. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

SMS:

When a user applies for a loan using Urgent Money Ultra, we need to obtain the user's financial SMS information so that we can evaluate the user's financial status from multiple angles and provide the user with a more comprehensive loan amount credit. The collected information only includes the following financial SMS information related to the financial field: [finan, credited, due, kredit, repay, cash, deducted, Txn, received, fund, Debited, disbursed, Desc, loan, naira, missed, valid, repay, expires, Debit, transfer, paid, rs, application, approved, moni, withdraw, debt, account, finan, credited, deposited, overdue, apply, disbursed, settle, amt, Acct, amount, borrow, money, kash, credit, wallet, trandsfer, financial, bal, Balance, payment, repayment, finance, ngn, transferred, pay, rejected, passed, overduel, laira]. At the same time, rich financial information records can prevent loan fraudsters from using virtual devices to commit loan fraud, effectively avoid fraud risks, and enable us to serve more users who really need loan services. Urgent Money Ultra actively responds to and implements the requirements of Google's user privacy policy and will not obtain SMS content involving user personal information. The above data will be encrypted and uploaded to: https://wswu.krestonfinance.online, and deleted regularly after analysis.

Contact information permission：

Purpose: Mainly used for emergency contact settings and more convenient communication with users when necessary. At the same time, after obtaining contact information permission, if there are any problems or help needed during the use of the APP, we can contact you more conveniently and provide you with timely support services.

Necessity of obtaining: It is an important means to improve risk prevention and control measures and improve customer service quality. If you refuse to grant contact information permission, it may affect the approval of the loan application, and you may not be able to get effective communication and solutions in time when you encounter problems.

Information protection measures: We only obtain the emergency contact information you provide and the necessary information for contacting you. We will not arbitrarily access or disclose other contact data in your mobile phone. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

Device Permissions：

Purpose: Obtain device identification code (IMEI, etc.), device model, operating system version and other information for device identification and security protection. The device identification code can help us uniquely identify your device to prevent the device from being stolen or abused; information such as device model and operating system version can help us optimize the compatibility and performance of the APP on different devices, providing you with a more stable and smooth user experience. At the same time, this information is also used for risk monitoring, timely detection of abnormal login and operation behaviors, and protection of your account security.

Necessity of acquisition: It is the basis for ensuring the normal operation of the APP, maintaining account security and improving service quality.

Data security management: Encrypt and store device information, strictly limit access rights, and use it only in necessary technical and business processes. Device information will not be improperly associated with your personal identity information. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.

3. Use of Personal Information

Provide loan services: use your personal information for loan application review, credit assessment, contract signing, loan issuance, repayment reminder, post-loan management and other services.

Personalized services: provide you with personalized product recommendations, service notifications and marketing campaign information based on your usage information and preferences.

Security and risk management: prevent risks such as fraud, money laundering, malicious attacks, etc. by analyzing your personal information and behavioral data, and ensure transaction security and stable operation of the platform.

Service optimization and improvement: use the collected information for data analysis and research, improve the functions and performance of this application, and enhance user experience.

Legal compliance: use your personal information when required by law or in order to comply with regulatory provisions and respond to the requirements of judicial or administrative authorities.

We will not use your personal information for other purposes unrelated to the purposes stated in this Agreement. If personal information is to be used for other purposes, we will obtain your explicit consent in advance.

4. Storage of personal information

Storage location: Your personal information will be stored on servers in Nigeria to ensure compliance with the requirements of Nigerian data protection regulations. In special circumstances, if the data needs to be transferred overseas due to business needs, we will take necessary security measures and obtain your explicit consent in advance, and ensure that the country or region where the data recipient is located has the same level of data protection.

Storage period: We will only retain your personal information for the shortest period necessary to achieve the purposes stated in this Agreement. For loan-related information, we will retain it for a certain period after the loan contract is fulfilled in accordance with Nigerian laws and regulations and business needs. After meeting the storage period requirements, we will delete or anonymize your personal information.

Personal information protection measures

Technical measures: We use encryption technology (such as SSL/TLS encryption) to encrypt the transmitted and stored personal information to prevent the information from being stolen or tampered with during transmission and storage. At the same time, we will take technical measures such as access control, data backup, and security audit to ensure the security of the system and data.

Management measures: We have established a complete internal data management system and operating procedures, provide data protection training for employees, and clarify the data protection responsibilities and permissions of each position. Only authorized employees can access and process your personal information, and the access and processing behaviors will be strictly monitored and audited.

Emergency measures: We have formulated a data security incident emergency plan. If a security incident such as a data leak occurs, we will immediately activate the emergency plan, take remedial measures, and notify the relevant regulatory authorities and affected users within the specified time in accordance with the requirements of the Nigerian Data Protection Ordinance.

Although we have taken the above reasonable security measures, due to technical limitations and various possible malicious means, the network environment is not 100% secure, and we cannot absolutely guarantee the security of your personal information. If you find that your personal information may be leaked, please notify us in time through the contact information provided in this Agreement, and we will try our best to assist you in handling it.

Your rights

According to the Nigerian Data Protection Ordinance, you have the following rights in terms of personal information protection:

Right to know: You have the right to know how we collect, use, store and share your personal information, and you can obtain relevant information through this application or by contacting our customer service.

Right to access: You have the right to access your personal information stored in this application, and you can query and access it through the settings function of this application or by contacting our customer service.

Right to correct: If you find that the personal information we collect and store is wrong or incomplete, you have the right to ask us to correct or supplement it. You can submit a correction or supplement application through the relevant functions of this application or by contacting our customer service.

Right to delete: In compliance with legal provisions, you have the right to ask us to delete your personal information. For example, when the purpose of processing personal information has been achieved, is no longer necessary, or you withdraw your consent. You can submit a deletion application by contacting our customer service.

Right to restrict processing: In some cases, you have the right to restrict our processing of your personal information, such as when you object to the accuracy of personal information or our processing of personal information is illegal. You can request to restrict processing by contacting our customer service.

Right to data portability: You have the right to request that we provide your personal information to you in a structured, commonly used, machine-readable format, or directly to another data controller designated by you, subject to legal requirements.

Right to withdraw consent: You have the right to withdraw your consent at any time for matters in which you have agreed to our collection, use and processing of personal information. After withdrawing your consent, we will no longer continue to process your personal information based on that consent, but this will not affect the validity of the processing that has been carried out before the withdrawal. You can withdraw your consent through the settings function of this application or contact our customer service.

If you want to exercise the above rights, you can contact us through the contact information provided in this Agreement. We will respond within [X] business days of receiving your request and process your request in accordance with legal requirements and reasonable procedures. If you are not satisfied with our processing results, you can also complain to the relevant data protection regulator in Nigeria.

Protection of minors

Our services are intended for adults. If you are a minor, please stop using this application immediately. We will not knowingly collect personal information from minors. If we find that we have collected personal information from minors, we will delete the relevant information as soon as possible.

IX. Changes to the Agreement

We may change this privacy agreement based on business development, changes in laws and regulations, or other reasons. The changed agreement will be posted in this application and notified to you in an appropriate manner. If you continue to use this application, it means that you have accepted the changed agreement. If you do not agree to the changed agreement, you can stop using this application.