Privacy Policy

This privacy policy (this agreement/ privacy policy) sets forth the modes of collection, use, and disclosure of your information gathered on the platform (defined below). this privacy policy applies only to personal information collected on the platform. this privacy policy does not apply to information collected by us in other ways, including information collected offline. Please, read this privacy policy carefully by continuing to use the services, or accessing the platform you agree to this privacy policy. If you do not agree to this privacy policy, you may not avail of the services.

INTRODUCTION

We have developed a mobile application called (TLOAN) (Application/ App / Platform) through which you may apply for a short-term loan (Loan) to be granted by us, or various non-banking financial companies or Banks (collectively as Lender), based on the loan agreement executed between you and LENDER. We have been appointed and authorized to collect, store, authenticate, verify and distribute the Personal Information (defined below) as may be required for sanctioning the Loan. The Personal Information shall be collected through the mobile application form available on the Application. We are committed to protecting your privacy and have made this Privacy Policy to describe the procedures we adhere to for collecting, using, and disclosing Personal Information. We recommend you read this Privacy Policy carefully so that you understand our approach toward the use of your Personal Information.

PERSONAL INFORMATION COLLECTION

The data we collect, when you register for the Service, we will collect your telephone number and may also collect your name, age, bank verification number (BVN), email address, or other contact information. With this information, we may cross-check your identity with third parties including the person you have provided as your emergency contact. We will also collect data from your device for our credit scoring system. This includes information relating to your device, such as device make and model, operating system, and installed software applications. We retain the intellectual property of the scoring system, and we could use or authorize our business partners and joint marketing arrangement partners to use this scoring system. To supplement this information, we may also collect data from third parties such as credit bureaus and other financial institutions. By registering for the Service, you authorize the collection and processing of the foregoing data.
You understand and acknowledge that we reserve the right to track your location (Track) during the provision of the Services, and also in the event that you stop, cease, or discontinue to use or avail of the Services, through the deletion or uninstallation of the Mobile App or otherwise, till the event that your obligations to pay the Outstanding Amount(s) to LENDER, exist. Deletion, uninstallation, and/or discontinuation of our Services, shall not release you from the responsibility, obligation, and liability to repay the Outstanding Amount(s).

GOVERNING STATUTE. This Privacy Policy is construed and governed by the laws of the Republic of Nigeria.

COOKIES. We may set cookies to track your use of the Platform. Cookies are small encrypted files, that a site or its service provider transfers to your device’s hard drive that enables the sites or service provider’s systems to recognize your device and capture and remember certain information. By using the Application, you signify your consent to our use of cookies.

DISCLOSURES. We do not sell, rent, or lease your Personal Information to anybody and will never do so. Keeping this in mind, we may disclose your Personal Information in the following cases:

• Administrators: We shall provide access to your Personal Information to our authorized administrative(s) for internal business purposes, who shall be under confidentiality obligations towards the same.

• Affiliates: We may provide Personal Information we collect to our affiliates. For example, we may disclose Personal Information to our affiliates in order to respond to your requests for information or Services or to help limit your receipt of marketing materials you have requested not to receive.

• Business Partners: We may use certain trusted third-party companies and individuals to help us provide, analyze, and improve the Services including but not limited to data storage, maintenance services, database management, credit bureaus, rating agencies, web analytics, payment processing, and improvement of the Platform’s features. These third parties may have access to your information only for purposes of performing these tasks on our behalf and under obligations similar to those in this Privacy Policy. We may disclose your Personal Information to partners who perform business functions or hosting services on our behalf and who may be located outside Nigeria.

• Service Providers: We may share your Personal Information with the service providers, including LENDER, who are working with us in connection with the operation of the Services or the Platform, so long as such service providers are subject to confidentiality restrictions consistent with this Privacy Policy.

• Joint Marketing Arrangements: Where permitted by law, we may share your Personal Information with joint marketers with whom we have a marketing arrangement, including but not limited to other financial platforms, third-party credit platforms, relevant partners on analytics, information search or big data, collecting companies, anti-fraud companies, law firms, etc. we would require all such joint marketers to have written contracts with us that specify the appropriate use of your Personal Information, require them to safeguard your Personal Information, and prohibit them from making unauthorized or unlawful use of your Personal Information

• Persons Who Acquire Our Assets or Business: If we sell or transfer any of our business or assets, certain Personal Information may be a part of that sale or transfer. In the event of such a sale or transfer, we will notify you.

• Legal and Regulatory Authorities: We may be required to disclose your Personal Information due to legal or regulatory requirements. In such instances, we reserve the right to disclose your Personal Information as required in order to comply with our legal obligations, including but not limited to complying with court orders, warrants, or discovery requests. We may also disclose your Personal Information(a) to law enforcement officers or others; (b) to Credit Information Companies; (c) to comply with a judicial proceeding, court order, or legal process served on us or the Platform; (d) to enforce or apply this Privacy Policy or the Terms of Service or our other policies or Agreements; (e) for an insolvency proceeding involving all or part of the business or asset to which the information pertains; (f) respond to claims that any Personal Information violates the rights of third-parties; (g) or protect the rights, property, or personal safety of us, or the general public. You agree and acknowledge that we may not inform you prior to or after disclosures made according to this section.

Notwithstanding anything mentioned hereinabove, we shall not be responsible for the actions or omissions of the service providers or parties with whom the Personal Information is shared, nor shall we be responsible and/or liable for any additional information you may choose to provide directly to any service provider or any third party.

DATA RETENTION.We will retain your Personal Information for as long as your registration with us is valid and the Outstanding Amount(s) is due and payable to LENDER. We may also retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Subject to this section, we will try to delete your Personal Information upon reasonable written request for the same. Please note, however, that there might be latency in deleting Personal Information from our servers and backed-up versions might exist even after deletion.

INTERNATIONAL DATA TRANSFER. Information that we collect may be stored, processed in, and transferred between any of the countries in which we operate, in order to enable us to use the information in accordance with this policy. Any such information transferred to other countries shall be in compliance with the laws of the corresponding countries.

SECURITY. We value your Personal Information and protect it on the Platform against loss, misuse or alteration by taking extensive security measures. In order to protect your Personal Information, we have implemented adequate technology including but not limited to cloud data saving, and will update these measures as new technology becomes available, as appropriate. Although we provide appropriate firewalls and protections, we cannot warrant the security of any Personal Information transmitted as our systems are not hackproof. Data pilferage due to unauthorized hacking, virus attacks, or technical issues is possible and we take no liabilities or responsibilities for it.

You are responsible for all actions that take place under your User Account. If you choose to share your User Account details and password or any Personal Information with third parties, you are solely responsible for the same. If you lose control of your User Account, you may lose substantial control over your Personal Information and may be subject to legally binding actions.

ACCESSING AND MODIFYING PERSONAL INFORMATION. In case you need to access, review, and/or make changes to the Personal Information, you shall have to login to your User Account and change the requisite details. You shall keep your Personal Information updated to help us better serve you.

COMMUNICATIONS FROM THE PLATFORM

• Special Offers and Updates: We may send you information on products, services, special deals, and a newsletter of ours. Out of respect for your privacy, we present you with the option of not receiving these types of communications. You may unsubscribe via the unsubscribe mechanism provided in each such communication or by emailing us at cs@giasuntech.com, tingoserviceng@gmail.com.

• Service Announcements: On certain occasions or under law, we are required to send out Service or Platform related announcements. We respect your privacy, however, you may opt out of these communications. These communications would not be promotional in nature.

• Customer Service: We communicate with Customer(s) on a regular basis to provide requested services and in regards to issues relating to their User Account, we reply via email or phone, based on Customer(s) requirements and convenience

INDEMNIFICATION. You agree to indemnify us, our subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees and hold us harmless from and against any claims and demand, including reasonable attorneys fees, made by any third party arising out of or relating to: (i) Personal Information and contents that you submit or share through the Platform; (ii) your violation of this Privacy Policy, (iii) or your violation of rights of another Customer(s).

LIMITATIONS OF LIABILITY. You expressly understand and agree that we, including our directors, officers, employees, representatives, or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from; (a) use or the inability to avail the Services (b) unauthorized access to or alteration of your Personal Information (c) inability to use the Platform (d) failure or delay in providing the Services or access to the Platform (e) any performance or non-performance by us (f) any damages to or viruses that may infect your electronic devices or other property as the result of your access to the Platform or your downloading of any content from the Platform and (g) server failure or otherwise or in any way relating to the Services.

LINKS TO OTHER WEBSITES AND APPS.Our Service may contain links to other websites and Apps that are not operated by Us. If You click on a third-party link, you will be directed to that third party’s site. We will not control over and will not assume responsibility for the content, privacy policies, or practices of any third-party sites or services.

CHANGES TO THIS POLICY.We may update this Privacy Policy without notice to you. This Privacy Policy is effective upon publication and applies to all users. You are encouraged to check this Privacy Policy on a regular basis to be aware of the changes made to it. Continued use of the Services and access to the Platform shall be deemed to be your acceptance of this Privacy Policy.

This Privacy Policy was last modified on 24-09-2021.

CONTACT US.

If you have questions, concerns, or grievances regarding this Privacy Policy, you can email us at our grievance email address: cs@giasuntech.com, tingoserviceng@gmail.com.
By clicking the "Agree" button, you declare that you understand and agree to be bound by all laws and policies of your country, so this Privacy Policy has legal effect from the date of account opening.