This privacy policy applies between you, the User of this website and CashLeaf, the owner and the provider of this website.
CashLeaf takes the privacy of your information very seriously. This privacy policy applies to our use of any and all Data collected by us or provided by you in relation to your use of the website. This privacy policy should be read alongside, and in addition to, our Terms and Conditions, which can be found at: Terms and Conditions. Please read this privacy policy carefully.

1. Definitions and Interpretation

In this privacy policy, the following definitions are used:

• Data: Collectively all information that you submit to CashLeaf via the Website. This definition incorporates, where applicable, the definitions provided in the Data Protection Laws;
• Cookies: A small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website. Details of the cookies used by this Website are set out in the clause below (Cookies);
• Data Protection Laws: Any applicable law relating to the processing of personal Data, and all relevant laws of the Federal Republic of Nigeria.
• User or you: Any third party that accesses the Website and is not either (i) employed by CashLeaf and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to CashLeaf and accessing the Website in connection with the provision of such services;
• Website: The website that you are currently using and any sub-domains of this site unless expressly excluded by their own terms and conditions.

In this privacy policy, unless the context requires a different interpretation:

• The singular includes the plural and vice versa;
• References to sub-clauses, clauses, schedules or appendices are to sub-clauses, clauses, schedules or appendices of this privacy policy;
• A reference to a person includes firms, companies, government entities, trusts and partnerships;
• "Including" is understood to mean "including without limitation";
• Reference to any statutory provision includes any modification or amendment of it;
• the headings and sub-headings do not form part of this privacy policy.

2. Scope of this Privacy Policy

This privacy policy applies only to the actions of CashLeaf and Users with respect to this Website. It does not extend to any websites that can be accessed from this Website including, but not limited to, any links we may provide to social media websites. For purposes of the applicable Data Protection Laws, CashLeaf is the "data controller". This means that CashLeaf determines the purposes for which, and the manner in which, your Data is processed.

3. Use of personal information collected via our website,

All the information will be uploaded to our server (url https://srv.CashLeaf.com/ ) as the input of our credit model. We generally use your personal information collected via this app:

• to manage and improve any services provided via our app
• to manage and improve our app (including by drawing up statistics on the usage of our app)
• to tailor content of our app to provide you with a more personalised experience and draw your attention to information about products and services that may be of interest to you
• to manage and respond to any request that you submit through our app
• to help us learn more about you, the products and services that you receive from “iCredit”, and other products and services that you or your employer might be interested in receiving
• to correspond with you in relation to services you use on our app or information you provide via our app. This correspondence is usually with you, our service providers, or public or judicial authorities with the necessary authorisation.

4. Use of personal information for other activities that form part of the operation of our business

We generally also use your personal information collected via this app for the purposes of, or in connection with:

• applicable legal or regulatory requirements
• requests and communications from public or judicial authorities with the necessary authorisation· financial accounting, invoicing and risk analysis purposes
• prudent operational management (including credit and risk management, audit, training and similar administrative purposes)
• client relationship purposes, which involve: (i) contacting you to receive feedback on “iCredit” products or services; and (iii) contacting you for other marketing or research purposes;
• recruitment and business development purposes· services we receive from our professional advisors, such as lawyers, accountants and consultants
• arrangements we have in place with intermediaries, brokers and other individuals and entities that partner with us
• protecting our rights and those of our customers· meeting our corporate and social responsibilities.

5. Data that is Collected Automatically

To the extent that you access the Website, we will collect your Data automatically, for example: We automatically collect some information about your visit to the Website. This information helps us to make improvements to Website content and navigation, and includes your IP address, the date, times and frequency with which you access the Website and the way you use and interact with its content. We will collect your Data automatically via cookies, in line with the cookie settings on your browser. For more information about cookies, and how we use them on the Website, see the section below, headed "Cookies".

6. Our use of Data

Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Website. Specifically, Data may be used by us for the following reasons:

• (a). Internal record keeping; in each case, in accordance with this privacy policy.
• (b). We may use your Data for the above purposes if we deem it necessary to do so for our legitimate interests. If you are not satisfied with this, you have the right to object in certain circumstances (see the section headed "Your rights" below).
• (c). When you register with us and set up an account to receive our services, the legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.

7. Who we share Data with

We may share your Data with the following groups of people for the following reasons: Our employees, agents and/or professional advisors - to contact you about, and process your order from initial order to collection/delivery; in each case, in accordance with this privacy policy.

8. Keeping Data Secure

We will use technical and organisational measures to safeguard your Data, for example: Access to your account is controlled by a password and a user name that is unique to you. We store your Data on secure servers.

9. Data retention

Unless a longer retention period is required or permitted by law, we will only hold your Data on our systems for the period necessary to fulfill the purposes outlined in this privacy policy or until you request that the Data be deleted. Even if we delete your Data, it may persist on backup or archival media for legal, tax or regulatory purposes.

10. Your Rights

You have the following rights in relation to your Data:

• Right to access - the right to request
  (i) copies of the information we hold about you at any time, or
  (ii) that we modify, update or delete such information.
  If we provide you with access to the information we hold about you, we will not charge you for this, unless your request is "manifestly unfounded or excessive." Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.
• Right to correct - the right to have your Data rectified if it is inaccurate or incomplete.
• Right to erase - the right to request that we delete or remove your Data from our systems.
• Right to restrict our use of your Data - the right to "block" us from using your Data or limit the way in which we can use it.
• Right to data portability - the right to request that we move, copy or transfer your Data.
• Right to object - the right to object to our use of your Data including where we use it for our legitimate interests.

To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data (where consent is our legal basis for processing your Data), please contact us via this e-mail address:help@cashleaf.co

11. Links to Other Websites

This Website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of these websites. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.

12. Changes of Business Ownership and Control

CashLeaf may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of CashLeaf. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us. We may also disclose Data to a prospective purchaser of our business or any part of it. In the above instances, we will take steps with the aim of ensuring your privacy is protected.

13. Cookies

This Website may place and access certain Cookies on your computer. CashLeaf uses Cookies to improve your experience of using the Website and to improve our range of products and services. CashLeaf has carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times. All Cookies used by this Website are used in accordance with extant Laws of the Federal Republic of Nigeria. Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling CashLeaf to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended. This Website may place the following Cookies: Type of Cookie: Strictly Necessary Purpose: These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings. For more information generally on cookies, including how to disable them, please refer to www.aboutcookies.org. You will also find details on how to delete cookies from your computer.

14. General

You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected. If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy. This Agreement will be governed by and interpreted according to the Laws of the Federal Republic of Nigeria. All disputes arising under the Agreement will be subject to the exclusive jurisdiction of the Nigerian courts.

15. Changes to this Privacy Policy

CashLeaf reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations.

16. Other Apps

Please note that other websites that may be linked to this website are not governed by this Privacy Policy. We encourage visitors to review the privacy policy on each of these other apps before disclosing any personal information.

17. Permission

To assess your profile and create tailored loan products, we need to get your permissions for accessing information on your Phone, SMS, Contacts, Location, Mobile phone status and SD card. Your data is well protected and used for assessment only. Without your consent, we will not share your personal information and data with any third party. The platform will ensure 100% security of your information. All the information will be uploaded to our server (url https://srv.cashleaf.co/ ) as the input of our credit model. We use SMS data to retrieve financial and transactional data to understand your financial history and help us determine your eligibility for credit. Your information will be stored encrypted CashLeaf.com. Your data will be uploaded to our server (https://srv.CashLeaf.com/). We use aspects of your phonebook and contact data to help us prevent fraud and determine your eligibility for credit. Your data will be uploaded to our server (https://srv.CashLeaf.com/). CashLeaf will never use contact or phonebook data to contact your friends or family. We use your location, device and usage data for anti-fraud and credit modeling purpose. It is used to identify the user identity, prevent malicious programs and safe operation. We need to obtain your storage permission to ensure the normal operation of the program.Please read the authorization carefully before using CashLeaf.

18. Consent

You agree with the contents of this Privacy Policy when you give consent upon access to our website, digital and non-digital platforms, or use our services, content, features, technologies or functions offered on our app or digital platforms or visit any of our offices for official or non-official purposes. Note that you can withdraw your consent at any time, however such withdrawal of consent would not affect the lawfulness of processing information based on consent given before its withdrawal.