Privacy Policy

GlowCredit (hereinafter referred to as "we" or "our") respects and protects the personal privacy and information security of all GlowCredit users (hereinafter referred to as "you" or "user"). In order to provide you with more accurate and personalized services, this application will use and disclose your personal information in accordance with the provisions of this Privacy Policy.

During your use of GlowCredit, we will collect, store, manage and protect your personal information. Before using GlowCredit, please be sure to read and thoroughly understand this Privacy Policy, and start using it after confirming that you fully understand and agree. Unless otherwise provided in this Privacy Policy, this application will not disclose or provide this information to a third party without your prior permission. During this process, if you have any questions, comments or suggestions, you can contact us through the contact information provided at the end of this Privacy Policy, and we will respond to you as soon as possible.

Information Collection Instructions and Purpose

When you use our products or services, we need/may need to collect and use your relevant personal information in order to provide you with services, optimize our services, and protect your account security. We will use the collected information as an important indicator data for evaluating your credit rating, so that we can quickly and accurately determine your credit rating.

Data we may collect:

Approximate location

We need your approximate location data to confirm whether your real-time location is within the service area; to avoid unnecessary trouble and impact on customer service due to user device loss or theft. The collected data will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without user permission.

SMS

We will only collect financial SMS data in your device to measure the credibility of users and detect and analyze potential fraud and risks. We will read it only after you authorize us to obtain the "SMS" permission in your device. Your SMS data will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without user permission.

Installed APP list

We will collect the installed APP information on your settings, including the name, version number, and package name of the application installed on the device. This will help us understand whether your device has installed applications with relevant functions, including fraud or cloning (including fake location information, cloned email ID and contact information). This allows us to judge the authenticity of your information and pre-configure it to enhance personalized loan offers. The collected data will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without user permission.

Devices

We will require access to your phone status so that we can ensure that no unauthorized devices are acting on your behalf to prevent fraud. We will collect specific information about your device, including your device name, model, region and language settings, device identification code, device hardware and software information, status usage habits, Phone Count, battery level, Active Modem Count, Active SubscriptionInfo Count, screen brightness, gyroscope. The collected data will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without user permission.

Camera

We need to enable camera permissions for face detection when you apply for a loan for identity verification so that we can confirm that it is you who applied for the loan. The collected data will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without user permission.

Photos and Videos

To verify user identity information, we need access to picture permissions so that you can upload ID photos for anti-fraud detection. The collected data will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without user permission.

Storage

We obtain storage permissions so that you can save downloaded content or upload pictures/videos. The collected information will be encrypted and securely uploaded to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/, and we will not share it with third parties without your permission.

Personal information submitted:

Voter card number

Mobile phone number

Marital status

Gender

Monthly income

Email

Address

Educational background

Emergency contact relationship, contact name, contact number

Name

Ghana card number

Date of birth

All collected information will be encrypted and transmitted to our server: https://api.glowcreditgh.com/, https://seur.glowcreditgh.com/. We will not share this data with third parties without the user's permission.

Information use, transfer and disclosure instructions

Except for the following circumstances, we will not share your personal information with any other third party

With your prior consent, in order to provide the products and services you requested, provide it to third parties, including sharing your personal information with third parties we hire to provide support services for us. The following is the privacy policy of the third party we cooperate with

(Appsflyer: https://www.appsflyer.com/legal/privacy-policy/

Firebase: https://firebase.google.com/support/privacyGoogle

Play: https://policies.google.com/privacy

Play-Services-Location: https://policies.google.com/privacy)

According to relevant provisions of the law or the requirements of administrative and judicial agencies, provide it to third parties of administrative and judicial agencies.

If you or the account you use violates laws and regulations, violates public order and morality, or seriously violates our rules, causing major social impact and damaging our reputation.

If you are a qualified intellectual property complainant and have filed a complaint, you should disclose it to the respondent at the request of the respondent so that both parties can deal with possible rights disputes.

We will not transfer your personal information to any company, organization or individual, except in the following circumstances:

With your explicit consent to transfer.

When our service providers merge, acquire or go bankrupt, or other situations involving mergers, acquisitions or bankruptcy liquidation, if personal information transfer is involved, we will require the new company, organization and individual holding your personal information to continue to be bound by this privacy policy, otherwise we will require the company, organization and individual to re-ask your authorization and consent.

Information Security Protection Description

To ensure the security of your personal information collected by us, we promise to strive to achieve a reasonable level of security. The specific security measures and security capabilities are described as follows:

To ensure the security of your information, we resolutely take various reasonable physical, electronic and management security measures that meet industry standards to protect your information so that your information will not be leaked, damaged or lost, including but not limited to SSL, information encryption storage, data center access control; we will use advanced encryption technology to improve the security of personal information; we will use reliable protection mechanisms to prevent personal information leakage and malicious attacks.

We regularly organize security and privacy protection training to enhance employees' awareness of the importance of protecting your personal information. We strictly manage employees who may have access to your information, sign confidentiality agreements with them, and closely monitor their work. We will provide the highest level of security measures based on existing technology to protect your information and do our utmost to prevent your information from being leaked, damaged or lost.

Data Retention

GlowCredit and its assignors will store or retain your personal data only for the time required for the purposes listed in this Privacy Policy and for a reasonable time required to deliver products and complete our services. We require you to retain your personal data for at least five (5) years to comply with anti-money laundering and counter-terrorist financing regulations, even if you request deletion. We may also retain your personal information (for as long as necessary to comply with any legal obligations; for as long as authorized by law, and for the establishment of legal defenses. Information that is no longer necessary for the purpose for which it was collected will be deleted or anonymized, unless it is necessary to comply with legal obligations. In some cases, including when you have no open loan orders with GlowCredit, you can ask us to close your GlowCredit account and delete the relevant personal information. In some cases, we will anonymize your information so that it no longer constitutes personal information. In this case, we may use the anonymized information for any lawful purpose without further notice to you.

Note on the protection of minors

We take the protection of minors very seriously. If you are a minor, GlowCredit No services will be provided to you. If you are a parent or other guardian of a minor, please pay attention to whether the minor under your guardianship uses our services without your permission. If you have any questions about the personal information of the minor under your guardianship, please contact us through the contact information in the contact column at the end of this policy.

Notes on revisions to this privacy policy

We may revise this privacy policy from time to time. After this agreement is revised, we will publish the revised content on the relevant page or in other appropriate ways. If you do not agree to the changes to this agreement, please immediately stop using this platform or cancel the services you have obtained; if you choose to continue to access or use this platform or service after this privacy policy is revised, it is deemed that you have accepted the changes to this privacy policy.

How to contact us

If you have any questions or problems about our privacy policy, the data we hold about you, or if you want to exercise any data protection rights, please feel free to contact us in any of the following ways:

Email: support@glowcreditgh.com