Privacy Policy

In order to comply with current regulations regarding data protection, we inform you that Uni Technology Nigeria Limited (also known as: "Hcwallet", "Company" or "We") is a legally incorporated business company with its address at 6-8, Bamboo Plaza, Ogunnusi Road, Ojodu Berger, Lagos State, which is deemed responsible and/or responsible for the processing of personal data. Hcwallet has established its personal data processing policy, wherein the business policy reflects the basis for processing your data, the purpose of processing, your rights as the owner and the exercise of these by law mechanism of rights. If you send a written request to Hcwallet by email, we will provide you with this policy.

Privacy Agreement

As the owner, we will inform you under which terms and conditions Hcwallet will process the personal data you provide to us and under our control, and the extent to which it is reasonably determined, and the form and manner in which you exercise your privacy rights, to control and protect your personal data in accordance with laws, regulations, guidelines and other applicable provisions.

Likewise, we will inform you that while processing the personal data you provide to us, we will put in place the necessary measures to comply with laws and regulations.

Since Hcwallet uses automated information technology services to perform the authorization process, certain information is required from the holder.

Before obtaining the information, the information will be used for credit risk analysis; Hcwallet will request and obtain the express consent of the holder based on the following information:

Call logs

We seek your consent for Hcwallet to gain call log permission, so as to collect your call logs and social and financial description for credit evaluation and pre-approved loan offers. After encryption, the data will be uploaded to our server (https://api.hcwallet.net) for Know Your Customer (KYC) check to help prevent fraud.

App installation list

We need your permission for the app installation list and we will upload the encrypted information to our server (https://api.hcwallet.net). This permission is for the identification and analysis of app actions and the prevention of loan or fraud risks.

Telephone

We will use your phone's code (IMEI) because with it we can make sure that others cannot use another phone to impersonate you for fraud. We automatically obtain the status of the user's phone to complete the login page, since our system stores the data of applicants who were approved for a loan. The data will be encrypted and uploaded to our server (https://api.hcwallet.net), so that we can identify and analyze it, there by determining its ability for loan processing and ultimately preventing fraud.

Contacts

We collect all your phone book contacts, including contact names, phone numbers, and dates they were added, to improve your credit profile and allow you to quickly screen references during loan applications. Under no circumstances will we save or share your contact information, nor will we share it with any third party. We will upload contact data to Hcwallet server (https://api.hcwallet.net) and your data will be protected and kept confidential.

Calendar

We collect your calendar memo data, including date, title, content, advance prompt time, start time, and end time, to improve your credit evaluation. Under no circumstances will we share the data with any third party. We will upload the data to the server (https://api.hcwallet.net)

Location

We collect and monitor information about your device's location in order to facilitate your requests and provide personalized offers. The location data will be uploaded to the server (https://api.hcwallet.net).

Camera and photos

The permission to take photos for identity verification is required to prevent fraudulent activities. The photos we collected will be uploaded to the server (https://api.hcwallet.net).

Storage

This permission allows you to upload documents and images for loan applications.

Google Advertising ID

Google Advertising ID is an unknown identifier that is provided by Google to show more targeted ads on mobile devices. We will only collect and use it with the explicit authorization and consent of the user. Besides, it is not associated with the user's personal information. We promise to protect your privacy and security of data.

Personal Data Collected

Personal data (“Personal Data”) that you provide to us by any means , through public access or through any other lawful source (“Personal Data”) at any time, are subject to laws and regulations benefits that may help you in this regard may include:

Personal Data:

1.Name, paternal surname, maternal surname, home address (including street, external number, internal number, neighborhood, city or mayor's office, federal entity, zip code), occupation, email address, date and place of birth, nationality, landline and/or mobile phone numbers, marital status, gender, professional and academic training, labor data (such as name, address and phone number of the company you work for, and your title), migration data, geographic location, IP address , identification and contact data, and data of the same nature and only in this category.

2.Financial and/or estate data: BVN, credit institution to which your bank account belongs, information related to bank accounts and/or transactions, information about your income, related to your Credit-related data history, and data of the same nature and only in this category

Likewise, we inform you that we do not process personal data of a sensitive nature ("Sensitive Data") for the purposes set out in this Privacy Statement.

The personal data described is collected directly through our computer applications and through electronic means or other technologies (“electronic means”).

As part of the client registration process and/or existing or past legal relationships, Hcwallet may request and/or retain copies of documents that contain or relate to personal data, which will also be protected by security measures. Technically, administratively and physically, it is necessary to protect your personal data. In addition, Hcwallet may collect contact lists, call and message records solely for the purpose of assessing the feasibility of providing services to holders.

Hcwallet may process personally identifiable and contact data of third parties (i.e. relatives, friends or others) which constitute the data and content of this Privacy Statement and inform the above-mentioned third parties.

Transfer of Personal Data

Hcwallet may disclose or transfer your personal data at the request of the competent authorities or in any case provided in articles 10 and 37 of the law without the consent of the owner of the personal data, in accordance with the law and its regulations, and in accordance with the law and/or any other situation where the regulations do not require the consent of the holder.

In addition, Hcwallet may transfer your personal data to any controlling, subsidiary and/or affiliated companies operating in accordance with the same standards, processes and/or internal policies on which Hcwallet operates. Some of the purposes for which your personal data may be transferred to entities of the same Hcwallet group of companies are mentioned below, by way of example but not limitation: (i) in any manner of transfer, change, influence, obstruction and/or negotiation, (ii) in the respective Claims or claims registered in an issuing contract or a signed contract, and a promissory note subscribed by the holder under that contract, or the company or persons involved in Hcwallet;

The personal data you provide to Hcwallet may be compiled and stored in Hcwallet's proprietary database, which is processed only for the purposes set out in this Privacy Statement.

The credit service relies on a wider range of service providers and we do not exclude that some of your information may be transferred to third parties for processing and calculation. Data transmission will be encrypted and protected in accordance with the requirements of this agreement to ensure that no data leakage or loss occurs during transmission.

Your data may be transmitted to third parties, including through interface transmission, SDK transmission, etc. The content we share will strictly comply with the relevant data security requirements in Nigeria. Hcwallet will enter into a data confidentiality agreement with the corresponding third party to keep your data safe.

Purpose of Collection of Personally Identifiable Information
Hcwallet uses your personal data for the following original purposes and purposes necessary to provide the service:

(1) In order to inquire about the basic information of the user borrowing money from the applicant, we need to collect the applicant's or user's mobile phone number, citizen number, address, educational background and other basic information;

(2) In order to review the user's employment information to lend funds to the applicant, we must collect employment information such as the applicant's or user's occupation, industry, income, company name, company size, etc.;

(3) In order to prevent the applicant, that is, the user himself from being unable to communicate , it is necessary to communicate with the user through the emergency contact , and we must collect relevant emergency contact information;

(4) In order to review the user's identity information to get loans , we must collect the front and back images of the applicant's or user's ID card, proof of work and other information;

(5) In order to facilitate the approval of the user's loan application and the release of the loan amount, we need to collect the applicant's or user's receiving account information;

(6) The management, control, administration and processing of credit applications and, where appropriate, the granting of credit applications.

(7) To control, manage, execute and perform credit contracts with customers according to corresponding requirements. To administer, control and administer administrative fees (through any contact details provided in the application), extrajudicial fees and services provided by Hcwallet (where applicable).

(8) To investigate changes made to customer transaction data.

(9) To fulfill business or financial obligations;

(10) To serve for customer inquiries, questions, clarifications or claims;

(11) To collect statistical data and historical records of users and customers;

(12) Creation, maintenance and training related to risk prediction models;

(13) To maintain the security of information and operations;

(14) Identity Theft Protection.

Options and methods to limit the use or disclosure of personal data

Owners may restrict the use or disclosure of their personal data by using the means enabled by Hcwallet for such purposes, including (i) objecting to the processing of their personal data for secondary or non-essential purposes in accordance with Section 3 of this Privacy Statement (ii) not accepting the processing of your personal data without giving your express consent to this Privacy Statement; and (iii) exercising ARCO rights in accordance with this Privacy Statement, laws and regulations. In this sense, it is important that once the holder has exercised any of the above rights, Hcwallet will, where appropriate, act accordingly to deal with his request.

If more information is required or if there are questions about how to use the above mechanisms, holders may contact Hcwallet by email to our Personal Data Office, whose data has been previously provided.

Safety Notice

This website/app is designed to protect your personal information and maintain the accuracy of your confirmation. We implement reasonable physical, administrative and technical security measures to protect your personal information from unauthorized access, use and disclosure. For example, we encrypt all sensitive personal information when we transmit such information over the Internet. We also require our registered third-party service providers to protect such information from unauthorized access, use and disclosure.

We combine the security of our products with state-of-the-art technology in multiple steps to ensure our systems to maintain strong security measures, and the overall privacy and data security design allow us to protect our systems. We strive to prevent unauthorized access, alteration, disclosure or destruction of the information we hold, including:

1) We encrypt information to protect the privacy of your data in transit;

2) We provide security features such as OTP verification to help protect your account;

3) We review our information collection, storage and processing practices, including physical security measures, to prevent unauthorized access to our systems;

4) We limit access to personal information to employees, contractors and agents who need the information to process. Anyone granted this access is bound by strict contractual confidentiality obligations and may be subject to disciplinary action or dismissal if you do not meet these obligations.

We will periodically review this Privacy Policy and ensure that we process your information in accordance with it.

Links to other websites

Our website links to other websites that may collect personally identifiable information about you. We are not responsible for the privacy practices or the content of these linked sites. In accordance with this policy, we only process the disclosure and use of the data we collect. If you visit any website through a link on our website, please be sure to review the privacy policy of each website. Their data collection practices and policies may differ from those mentioned in this Policy, and we have no control or responsibility over any of them.

If you have any questions about this Privacy Statement or your personal information, please contact us so we can help.

Email: [email protected]