1. Information We Collect

We may collect the following types of information to provide and improve our services:

• a. Personal Information
  • Full Name
  • Phone Number
  • Email Address
  • Identification Numbers (BVN, NIN, etc.)
• b. Financial Information
  • Bank Account Details
  • Transaction History
  • Wallet Activity
• c. Usage & Technical Data
  • IP Address
  • Device Information (model, OS, unique identifiers)
  • App Activity and Navigation Behavior
• d. Location Data

  We may collect approximate location data for fraud detection and service optimization.

• e. Media & Files (if applicable)

  For document uploads during KYC (e.g., ID cards, proof of address).

2. How We Use Your Information

Your data helps us to:

• Create and manage your account
• Facilitate money transfers, airtime purchases, and bill payments
• Enable participation in group saving Cells
• Evaluate eligibility and assign credit scores
• Comply with financial regulations (KYC/AML)
• Communicate updates, promotional offers, and support information
• Improve app performance, usability, and security

3. Sharing Your Information

We do not sell your personal data. However, we may share it in these situations:

• With Payment Processors & Banks – for processing transactions
• With KYC/Verification Partners – to verify your identity and prevent fraud
• With Legal Authorities – when required by law or regulation
• With Third-party Service Providers – for hosting, analytics, or customer support, under strict confidentiality agreements

4. Your Rights

As a user of CooCredit, you have the right to:

• Access – Request a copy of your data
• Correct – Update inaccurate information
• Delete – Request account or data deletion (subject to compliance laws)
• Restrict/Withdraw Consent – Stop us from processing your data in some cases

Contact us at: privacy@coocredit.ng or through the app settings to make a request.

5. Data Retention

We retain your information:

• For as long as your account is active
• As needed to comply with legal, tax, and regulatory obligations
• For dispute resolution or fraud prevention

6. Security of Your Data

We apply industry-standard safeguards, including:

• Encryption (SSL/TLS)
• Two-Factor Authentication (2FA)
• Firewalls and secure cloud hosting

Note: While we strive for top security, no system is 100% secure.

7. Cookies and Tracking Technologies

Our app may use cookies or device identifiers to:

• Enhance app performance
• Analyze usage patterns
• Store preferences

You can control or disable cookies via your device settings.

8. Third-Party Services

Some features rely on third-party tools (e.g., analytics, KYC verification, payment APIs). These providers operate independently and have their own privacy policies. We advise users to review them as needed.

9. Google Play Policy Compliance

• We request only necessary permissions
• We disclose how and why data is collected
• We provide users full control over their data and preferences

10. Changes to This Privacy Policy

We may update this policy periodically. You will be notified of changes via:

• In-app notifications
• Email (if provided)

Please review any updates carefully.

11. Contact Information

If you have questions about this Privacy Policy or our data practices, contact us at:

• Email: coocreditng@gmail.com
• Phone: +234 814 219 9637
• Address: 189c, Abule Egun, Ipaja Road, Lagos State, Nigeria

12. Accessibility

This Privacy Policy is accessible via:

• App Settings > Privacy
• Google Play Store Listing
• Official Website: www.coo-credit.com/privacy-policy