This Privacy Agreement is developed by BILOXI COMMERCIAL TRADING ENTERPRISE and applies to the AmanfiLoan application (hereinafter referred to as "AmanfiLoan" or "this Application"). AmanfiLoan provides you with loan intermediary services in Ghana. A local company in Ghana: YAALEX INVESTMENTS LIMITED is our partner and holds a formal loan license: MICROFINANCE LICENSE to protect the safety of your funds.

This Agreement is intended to explain to you how we collect, use, store, share and protect your personal information when you use AmanfiLoan. Please read this Privacy Agreement carefully to understand how we process your personal information. If you do not agree with any part of this Agreement, please do not use this Application.

Introduction

AmanfiLoan is a mobile application that provides loan services to users in the Republic of Ghana. Through this application, you can apply for a short-term loan, and we need to collect, store, verify and verify your personal information. We value your privacy and have established this Privacy Policy to outline the practices we follow when collecting, using and disclosing personal information.

Collection of personal information:

When you apply for a loan, we will collect the following information as part of your credit assessment:

Personal information permissions:

Before applying for a loan, we will collect your name, ID number, contact information, bank card information and other personal information in the form of a form for identity verification to ensure that your identity is authentic and valid and meets the compliance requirements of the loan business; assess your credit status to provide you with a suitable loan amount and interest rate; process core business processes such as loan application, loan issuance and repayment to ensure the smooth progress of the transaction. We strictly abide by relevant laws and regulations, encrypt and store your personal information and transmit it to the server: https://byq.bicomtrent.online to prevent information leakage.

Location permission:

When you use the APP, we need to obtain your approximate location information. It is mainly used to identify the area you are in. We only provide loan services to Ghanaian citizens aged 18 years and above who are in Ghana. Based on location information, we can determine your current location to ensure that you are a user within our Services. On the other hand, depending on your region, we can also provide you with loan products that are in line with local policies and market conditions. We strictly abide by relevant laws and regulations, and encrypt and store your personal information and transmit it to the server: https://byq.bicomtrent.online to prevent information leakage.

SMS permissions:

In order to ensure that the applicant is a real user and prevent loan fraud, it is necessary to obtain some user SMS information. This information is mainly used to determine whether the user uses a real device to perform independent loan operations, and whether there are multiple loan transactions on the same device and the same number. Such situations may be judged as loan fraud. At the same time, we actively respond to Google's requirements for user personal privacy policy and only collect the following financial information we need: ['balance','ghs','transaction','fee','payment','click','current','charged','tax','reference','available','cash','received','account','ghc','financial','loan','amount','credit','repay','settle','cashout','Balance','debit','Acct','Acct','amt','funds','instant','Reference','bal','deposit'] This information will be used to evaluate the user's financial status, and the credit model will grant the corresponding credit limit based on the user's financial activities. The collected information will be encrypted and uploaded to the server: https://byq.bicomtrent.online, and will be deleted within 6 hours after the user completes the review.

Applist permission:

We will only obtain information about the apps you have actively installed and will not touch the original apps on your device. This permission is primarily used to identify the presence of Trojans, high-risk, or junk applications on your current device. These applications can seriously compromise your information security and increase the risk of having your personal information stolen to impersonate someone else to apply for a loan, which can affect your loan approval. In addition, by analyzing other apps that are actively installed on your current device, we can determine your spending habits and provide you with more customized loan products. For example, if you install more formal apps related to finance and consumption, it may reflect your credit perception and spending activity to some extent. We strictly abide by relevant laws and regulations, encrypt your personal information and store it and transmit it to the server: https://byq.bicomtrent.online to prevent information leakage.

Contact information permissions:

In the process of user loan approval, some users will enter the worker telephone review link, and the other party is the user himself and the contact person filled in by the user, the purpose of which is to ensure the authenticity of the materials filled in by the user and the user. Instead of giving the address book permission, you can choose to manually enter emergency contact information. We strictly abide by relevant laws and regulations, and encrypt and store your personal information and transmit it to the server: https://byq.bicomtrent.online to prevent information leakage.

Device permissions:

Access to device permissions includes information such as device model, operating system version, and device identifier (e.g., IMEI, etc.). This information is used to identify the uniqueness of your device. In conducting risk assessments, device information may serve as a reference factor. For instance, if the same device is used to apply for different loans across different accounts, we do not rule out the possibility of loan fraud, and we need to confirm that the device being applied for is not a virtual device; we do not accept any applications from virtual devices to prevent loan fraud. At the same time, we optimize the compatibility and performance of the app on different devices to provide you with a smoother user experience. We strictly adhere to relevant laws and regulations, encrypt your personal information, and transmit it to the server: https://byq.bicomtrent.online to prevent information leakage.

Use of Personal Information：

(I) Core Business Purposes

Process your loan application, including but not limited to identity verification, credit assessment, matching with lenders, and loan issuance process.

Provide you with loan services, including loan amount determination, repayment arrangements, overdue reminders, etc.

Monitor and manage loan risks to ensure the security and sustainable development of our business.

(II) Other Purposes

Improve and optimize our services, and enhance the functionality and user experience of the application by analyzing your usage data and feedback.

Communicate with you, including sending you service-related notifications and messages, such as loan approval results, repayment reminders, application updates, etc.

Conduct internal audits, data analysis and research to improve our products and services and better meet user needs.

Storage of Personal Information：

(I) Storage Location

We will store your personal information in an encrypted server. If it is necessary to transfer your personal information overseas, we will obtain your explicit consent in advance and take appropriate measures to ensure that your personal information is adequately protected overseas.

(II) Storage Period

We will determine the storage period of your personal information in accordance with the requirements of laws and regulations and business needs. After your loan application is processed and the relevant business activities are completed, we will delete or anonymize your personal information in accordance with regulations, unless otherwise required by laws and regulations or you agree to retain it separately.

Security protection of personal information：

(I) Security measures

We attach great importance to the security of your personal information and have taken a series of reasonable security measures to protect your personal information, including but not limited to:

Encrypt your personal information to ensure the confidentiality of data during storage and transmission;

Implement access control measures to limit access to your personal information to authorized personnel only, and record and audit access;

Regularly scan and repair the system for security vulnerabilities to prevent hacker attacks, data leaks and other security incidents;

(II) Security incident handling

If a personal information security incident unfortunately occurs, we will immediately activate the emergency plan and take measures to reduce the losses and impacts caused by the incident. We will promptly inform you of the basic situation of the incident and the measures we have taken. If it involves the leakage of your sensitive information, we will report to the relevant regulatory authorities in accordance with the requirements of laws and regulations.

Your rights

(i) Right of access

You have the right to access the personal information you provide in AmanfiLoan at any time, including registration information, loan application information, etc. You can view and obtain your personal information in the relevant settings or personal information management interface by logging into this application.

(ii) Right of correction

If you find that the personal information we collect and store is wrong or inaccurate, you have the right to ask us to correct it. You can make a correction request to us through the feedback channel provided in this application or contact our customer service team, and we will handle it in a timely manner after verification.

(iii) Right of deletion

In compliance with the provisions of laws and regulations, you have the right to ask us to delete your personal information. For example, if we no longer need your personal information for the original collection purpose, or you withdraw your consent to our use of your personal information, you can make a deletion request to us. We will delete your personal information in a timely manner after verification, except as otherwise provided by laws and regulations.

(iv) Right to withdraw consent

You have the right to withdraw your consent to our collection and use of your personal information at any time. You can exercise the right to withdraw consent by changing the relevant settings in this application or contacting our customer service team. After withdrawing your consent, we will no longer collect and use your personal information for the purposes you previously agreed to, but this will not affect the legal processing we have already carried out before you withdraw your consent.

(V) Right to complain

If you have any questions, comments or complaints about our handling of your personal information, you can contact our customer service team in the following ways: [Specific contact information, such as customer service email, customer service phone number, etc.]. We will handle your questions as soon as possible and give you a reply within a reasonable time.

Protection of minors :

This application does not provide services to minors. We will not intentionally collect personal information from minors. If we find that we have accidentally collected personal information from minors, we will immediately take measures to delete the relevant information. If you think we may have collected your personal information as a minor, please contact us in time and we will deal with it as soon as possible.

Changes to the Privacy Policy :

We may revise this Privacy Policy based on changes in laws and regulations, business development needs or other reasonable reasons. We will publish the revised Privacy Policy in this application and notify you through in-app notifications, emails or other appropriate methods within 30 days of publication. If the revised Privacy Policy has a significant impact on your rights, we will clearly state it in the notification and, if necessary, re-ask for your consent. If you continue to use this App after we post the revised Privacy Policy, you agree to be bound by the revised Privacy Policy.

If any provision of this Privacy Agreement is deemed invalid or unenforceable, it will not affect the validity and enforceability of other provisions. We will do our best to modify the invalid or unenforceable provisions to make them comply with the requirements of laws and regulations and to achieve the intent of the original provisions to the greatest extent possible.

BILOXI COMMERCIAL TRADING ENTERPRISE