Welcome to the Urgent Money Ultra Privacy Agreement. This APP is developed by De Fintek Nigeria Investment Limited. Please read the following privacy agreement carefully. Please note that this privacy agreement only applies to Urgent Money Ultra
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This privacy policy has been compiled to better serve those who are concerned with how their “Personally Identifiable Information” (PII) is being used online. PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. By visiting Urgent Money Ultra, also referred to “our site”, you are accepting the practices described in this policy. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website and app.
Information collected whenever you use the App or visit our Website:
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 Permissions：
Purpose: Used to receive verification codes, help us complete the data plan for optimizing indicators, and further authenticate identity. When updating loan application progress, repayment reminders, and other important matters, we will also notify you in time through SMS to ensure that you can understand loan-related information in a timely manner.
Necessity of acquisition: It is the key to ensuring account security, smoothly completing the loan application process, and communicating important information in a timely manner. It may cause users to not receive verification codes and thus be unable to register an account.
Security of SMS content: We only obtain information from users within the last 6 months. For the content of SMS sent to users, we will also strictly abide by relevant laws and regulations to ensure that the content is accurate, legal, and does not contain any harassment or privacy-invading information. Only with your explicit consent will the data be encrypted and uploaded to our secure network environment: http://apiwws.urgentmoney.store.
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.
We attach great importance to data security and have adopted a series of strict physical, technical, and administrative measures to protect your personal data. These measures are designed to prevent unauthorized access, use, disclosure, tampering, or destruction of your data. Our systems are equipped with firewalls, encryption technologies, access control mechanisms, etc., to ensure the security of your data during transmission and storage. Additionally, we train our employees on data security and require them to strictly abide by confidentiality obligations to prevent internal misuse of your data.
You have the following rights regarding your personal data:
You have the right to access the personal data we hold about you at any time and understand how we process your data. You can submit an access request through the customer service channels we provide, and we will respond and provide the relevant data within a reasonable time.
If you find that the personal data we hold about you is incorrect or inaccurate, you have the right to request us to rectify it. You can submit a rectification application to us and provide necessary supporting materials. We will verify and correct the data in a timely manner.
Under circumstances compliant with laws and regulations, you have the right to request us to erase your personal data. For example, when we no longer need your data for the original collection purpose, or when you withdraw your consent to data processing, etc., you can submit an erasure request to us, and we will handle it in accordance with the regulations.
You have the right to request us to restrict the processing of your personal data in certain specific situations. For instance, when you raise an objection to the accuracy of the data, during the verification period, you can request us to restrict further processing of the data.
You have the right to obtain the personal data you provided to us and request us to provide it to you in a structured, commonly used format, so that you can transfer these data to other data controllers, provided that it complies with laws and regulations and is technically feasible.
We only retain your personal data for the period necessary to achieve the purposes described in this privacy policy, while also considering legal and regulatory requirements and the actual needs of the business. When determining the data retention period, we will comprehensively consider factors such as the contract performance period of the loan business, the statute of limitations for potential legal disputes, and the requirements of regulatory authorities. When your personal data is no longer needed for the above purposes, we will delete or anonymize it in accordance with the prescribed procedures to ensure that the data can no longer be used to identify you.
Our services may contain links to third - party websites or services. Please note that these third - party websites or services have their own independent privacy policies, and we are not responsible for their content and privacy practices. When you click on these links, you will leave our platform and enter the third - party's website or service. We recommend that you carefully read their privacy policies when accessing third - party websites or services to understand how they collect, use, and protect your data.
Our services are not intended for children, and we do not intentionally collect children's personal data. If we discover that we have accidentally collected children's personal data, we will immediately take measures to delete such data. If you believe that we may have mistakenly collected children's personal data, please contact us in a timely manner, and we will handle it as soon as possible.
We may change this privacy policy due to changes in laws and regulations, business development needs, or other reasonable reasons. The revised privacy policy will be published on our website or service platform and will take effect upon publication. If the changes involve significant changes to the way we process your personal data, we will notify you through appropriate means, such as sending an email, push notification, or providing a prominent notice on the platform. After the changes take effect, your continued use of our services indicates that you consent to the revised privacy policy.
Contact
If there are any questions regarding this privacy policy, you may contact us using the website form or using the information below.
Email:mailto:sahdimu841@gmail.com