We fully understand that personal information is crucial to you, and we promise to strictly abide by laws and regulations, follow privacy protection principles, and do our utmost to protect your personal information security, providing you with safe and reliable services.You can read this privacy policy to learn more about how we collect and process personal information, so that you can better understand our services and make appropriate choices.

IMPORTANT INSTRUCTIONS:

It should be noted that we will only process your relevant personal information when you use specific functions, in accordance with the principle of minimum necessary, in order to provide services to you.We provide lending products and services accessible from our mobile application and website, https://www.ngudoloan.com/

Please read and understand this Privacy Policy carefully before going ahead. This statement in effect is contract binded, so carefully read before proceeding.

1. INFORMATION COLLECTION

In order to provide users with efficient and convenient credit loan services, you agree and authorize us to collect the following information from you:

Network Communication

Provide network communication for smooth use of APP and various services/products.

Coarse Location Permissions

This product only provides services for Zambia residents, the APP can provide you with recommendation services based on your location. After your consent, we will collect your coarse location information during your use of the APP and upload it to the company's server (server address: https://ngudoloan.com/data ), and will update the data regularly. Without your consent, we will not share your data with any third party that has nothing to do with the borrowing products you apply for.

Camera

This function needs to be used in real-name authentication and face recognition. In the case of identity verification, you need to call your camera to shoot the ID card. Based on this, we will judge whether it is an application for the ID card in person, so as to prevent others from using your identity to conduct fraudulent activities. After your consent, we will collect your ID card information during your use of the APP and upload it to the company's server (server address: https://ngudoloan.com/data ), and will update the data regularly. Without your consent, we will not share your data with any third party that has nothing to do with the borrowing products you apply for.

SMS

With your consent, all SMS data will be encrypted and uploaded to the server by the application, but for privacy protection, we will filter and delete SMS data on the server. We collect filtered SMS content from your inbox, including sender number, sender name and SMS content, but we only use financial related information and after analyzing the loans of eligible users, the information will be deleted from the server

Purpose: To identify and analyze your behavior and risk when you have multiple loans, to assess whether a loan can be processed by anti-fraud collection, by collecting and tracking detailed transactions and amounts for financial and non-personal text messages. It will be used to check the eligibility and risk assessment of the customer. Other SMS messages will not be evaluated. We analyze the user's text messages, verify and track their financial transactions in the dashboard, and give accurate credit limit based on their spending budget and ability to pay. This helps us identify the different bank accounts you may have, cash flow patterns, and the amount of transactions you as a user can process.

Data storage: With your consent, data will be encrypted and uploaded to our dedicated server https://ngudoloan.com/data HTTPS protocol. We do not share this data with third parties

Device Information

We collect and receive information from and about the different devices you use.

Information about the network you connect your device to, including your IP address. Information you've shared with us through device settings.For example,We will collect information about your device, such as: hardware model, RAM, storage of the device; unique device identifiers, such as serial number, IMEI, SSAID; SIM card information including network operator information, roaming, MNC, MCC code, WIFI information, mobile network information and MAC address. Get the right to mark, inorder to provide you with better, more secure personalized services and content. After your consent, we will collect your device information during your use of the APP and upload it to the company's server (server address: https://ngudoloan.com/data ), and will update the data regularly. Without your consent, we will not share your data with any third party that has nothing to do with the borrowing products you apply for.

Installed Application Information

We collect information about apps you have downloaded, including the names of all apps and packages you have installed, installation and update times, version names, and version codes of apps on your device. Collect installed application information in order to complete security risk control and service recommendation.By installing APP data, we ensure the authenticity and validity of the borrower and prevent the occurrence of fraud risks. After your consent, we will collect your installed application information during your use of the APP and upload it to the company's server (server address: https://ngudoloan.com/data ), and will update the data regularly. Without your consent, we will not share your data with any third party that has nothing to do with the borrowing products you apply for.

2. INFORMATION PROTECTION AND STORAGE

In order to ensure the security of your information, Ngudo adopts various reasonable physical, electronic and management security measures to protect your information, so that your information will not be leaked, damaged or lost. Information encryption storage using 256 bit SSL protocal , data center access control, private network channels and proxies. We collect your information and upload it to the server( https://ngudoloan.com/data ) after encryption. Ngudo also strictly manages employees or outsourcing personnel who may have access to your information, including taking different authority controls according to different positions, signing confidentiality statements with them, and monitoring their operations.

Ngudo will provide corresponding security measures to protect your information according to the existing technology, and provide reasonable security guarantee. Ngudo will try its best to keep your information from being leaked, damaged or lost at any time. Below are some of the ways we promote safety, security and integrity. We are committed to:

a. Verify account and activity

b. nvestigate suspicious activity

c. Detection and prevention of harmful or illegal activities such as fraud and money laundering

d. Detect when someone needs help and provide support

e. Maintain the integrity of our products

3.USE OF INFORMATION

We use the information we collect to provide you with a suitable loan amount and term to better solve your financial difficulties.In order to provide you with better services and for Ngudo's own risk prevention and control, you agree and authorize Ngudo to use your information for the following purposes:

a. Create data analysis models to provide you with services suitable for you, and maintain and improve those services

b. Accuracy of comparative information

c. Prevent, detect, investigate fraud, endanger security, illegal or violate Ngudo Statements, Policies or Rules in order to protect you, other Ngudo users and the legitimate rights and interests of Ngudo

d. Offer and display Ngudo products or services

e. Other uses authorized by laws and regulations or with your consent

4. INFORMATION SHARING

You agree and authorize Ngudo to share your information with third parties in the following circumstances:

a. Certain services and/or products and/or promotions are provided by Ngudo, the partners of Ngudo affiliates or jointly provided by Ngudo, Ngudo affiliates and partners, and Ngudo will share and use with them;

b. When you violate relevant laws and regulations, this statement, and you sign relevant statements with Ngudo, provide to your counterparty, Ngudo and partner third parties of Ngudo affiliates, including collection, litigation, and arbitration;

c. Only by sharing your information can you provide the services you need, or deal with disputes or disputes between you and others;

d. To safeguard the legitimate rights and interests of Ngudo and/or other Ngudo users;

e. To comply with applicable laws and regulations, court rulings or other legal procedures, and requirements of relevant government agencies.

5. DATA DELETION

a. You can delete personal data by requesting.

b. Your deletion request can be sent to the official email address: customer@ngudoloan.com . The staff will judge whether your request is approved or not based on your reasons and the current account status.

c. If your account has not been logged in for a long time, we will have the right to delete your data.

d. You can submit an account information deletion request through the Ngudo official website: https://ngudoloan.com/accountdelete/

e. You can control what data we collect through device permissions, please choose carefully, this may affect the pass rate of your application for our services.

6. REVISION OF PRIVACY POLICY

Ngudo may make changes to this statement at any time. If there is any change, Ngudo will choose to publish it in the form of announcement or statement update on the Ngudo website or mobile device client without separately notifying you separately. Such changes will be announced immediately effective. If you continue to access Ngudo's mobile device client or use any of the services provided by Ngudo after this statement is changed, you confirm that you have fully read, understood and accepted the revised policy and are bound by it.

7. YOUR CONSENT

You should carefully read and fully understand the meaning of all contents of this Privacy Protection Statement and the resulting legal effects, and voluntarily agree to this Statement. Once you click "agree" to this privacy protection statement online, it is deemed that such behavior is your true intention, and you agree to bear all legal consequences arising therefrom.What if you don't let us collect certain information?Some information is required for our Products to work. Other information is optional, but without it, the quality of your experience might be affected.

CONTACT US

Contact Number: +260 772 260 271

Contact Email: customer@ngudoloan.com

Opening Hours: AM 8:30 ~ PM 17:30

Official Website Address: https://www.ngudoloan.com/