At Ágil Dinheiro, in accordance with the Data Protection and Privacy Act of 2019 and other applicable provisions, we are committed to transparency and safeguarding your privacy. To ensure an efficient loan approval process and assess your eligibility, we require specific permissions to access certain data from your device. All information collected is securely transmitted, stored, and used only to provide our services. Your data will not be shared with third parties without your explicit consent.

We require access to your SMS messages to better assess your loan eligibility. This enables us to review all of your SMS records, not just financial SMS data, including sender names, transaction descriptions, and amounts, in order to evaluate your creditworthiness. However, we will only transmit financial SMS data after filtering through a system, and no other data will be transmitted or processed. By analyzing this data, we can expedite loan approvals and enhance your likelihood of obtaining loans.

How We Access and Use Your SMS Data:

1. Initial Access: Upon confirming this permissions page and authorizing SMS access, our app will initially review your SMS data. However, no data will be uploaded at this stage. This step is solely for a preliminary credit check.

2. Ongoing Access: The app will collect several months' worth of recent SMS data, with a limit of a few thousand messages, each time you click the "Apply" button to request pre-approval. It will focus on communications related to financial transactions.

3. Selective Upload: Only SMS messages that contain financial-related keywords will be uploaded for analysis. Previously uploaded messages will not be re-uploaded to avoid redundancy.

4. Local Storage: If you do not click the "Apply" button, your SMS data will remain on your device and will not be transferred to our servers.

All SMS data is transmitted securely using industry-standard encryption and stored on our servers. We prioritize your privacy and will never share your SMS data with third parties without your consent.

We may send you push notifications for important account updates, payment reminders, and special offers. These notifications are optional, and you can decline them without affecting your app's functionality.

For identity verification and fraud prevention, we request access to two emergency contacts. You can either manually enter these contacts or select them from your address book. We will only access the contacts you choose, and no other information from your address book will be collected without your permission. This data is securely transmitted over HTTPS and stored on our servers .

To verify your identity and prevent fraud, we collect informatiion about your device each time you click to apply on the homepage. This includes the model name, settiings, and unique identifiers such as os Version,version,Code,brand,modelNo,IMEI,serialNo,isDevelopMMode,screen Width,defaultLangu age,timeZone,other device environment information, display arnd brightness settings, and CPU and performance details. We also gather information on apps installed on your device, but we limit our use of this data to specific financial apps. The details we collect include whether the app is a pre-installed system app, the app name, version number, first installation date, and last update date date This information serves to detect and assess potential risks, enabling us to avoid fraudulent software and safeguard the financial security of our accounts. Importantly, we do not utilize information from apps that do not belong to a specific financial category, and if you do not click to apply on the homepage, none of these data will be transmitted or processed. All collected data is securely stored on our servers and safeguarded against unauthorized access.

1. ADID/GAID: We access your Google Advertising ID (GAID) to analyze ad data and improve your advertising experience.

2. ACCESS_WIFI_STATE: We access your Wi-Fi network details for risk assessment and to detect potential network anomalies.

3. ACCESS_NETWORK_STATE: We collect your network information, including IP address, connection status, and network type, to prevent data loss during network interruptions and to assess risk.

4.other information:networkType,simCountryIso,simOperator,macAddress and so on

While using our services, we may ask you to provide certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:

- Phone number

- Email address

- Name

- Gender

- Date of birth

- ID Card Number

- Educational information

- Marital status

- Occupational information

- Address information

Purpose of Permission Usage: We use your mobile application list to evaluate your operating environment to prevent fraud and hidden virus software. Illegal software may steal your funds through virus intrusion. We need to identify and analyze your risk level to process loans and help prevent fraud.

How Data is Used:

We will collect the version number of the installation package, the app name, installation time, last update time, and package name to prevent your personal information from being illegally obtained, to more accurately prevent fraud, protect account security, and identify whether you are a real natural person user.

How Data Security is Ensured:

The collected information will be highly encrypted and securely uploaded via HTTPS server . Without your permission, your data will not be shared with any third party.

1. Purpose of Permission Usage: We need access to users’ rough location data to ensure the security of their accounts and our platform. By knowing a user’s rough location, we can identify and prevent potential offshore money laundering, illegal access, and other offences. This permission helps us to protect the privacy of our users by not accessing or storing their precise location information while securing our services.

2. How Data is Used: When a user attempts to log in or access the service from a location different from their usual area of activity, the app can use rough location data to identify and flag these unusual behaviours. This helps prevent unauthorised offshore access, which in turn protects user accounts from fraud or hacking.

3. How Data Security is Ensured: We promise that your SMS messages will be encrypted and transmitted through HTTPS. Without your permission, your data will not be shared with any third party.

All collected data is securely transferred to our servers using state-of-the-art encryption and security protocols. Your data will not be shared with any third party without your explicit consent. However, if you do not click to apply, none of the data will be uploaded.

We collect personal information such as your phone number, name, device model, and operating system. Additionally, we gather address, SMS, and device activity logs. To enhance our credit assessment, we may supplement our data with information from credit bureaus and financial institutions. By using our services, you consent to this data collection, processing, and secure storage.

We obtain your personal information through the following two channels:

1. Information you provide directly: We may collect and store the information you provide when using our financial services, including the information you provide when filling in online forms, applying for products and/or services, participating in feedback, resolving disputes, or contacting us regarding our financial services, and the information generated about your transactions and activities during your use of our services. Usage data is collected automatically while using the service.

2. Information we collect proactively: When you use our’s website, app, and related services, we collect information sent by your computer, mobile phone, and other access devices.

How We Use Your Data

The data we collect helps us:

- Verify your identity.

- Build credit scoring models.

- Determine loan offers and manage credit reports.

- Monitor collections and payment behavior.

This data may be used, among other purposes described in the section below, to assess the risk inherent in your request for credit, to verify your identity, to assess and qualify your credit worthiness and for statistical purposes.

Ágil Dinheiro may share or transfer personal data under the following conditions:

1. Ágil Dinheiro Group Companies, Subsidiaries, or Affiliates:

Reason: For product development, performance evaluation, statistical analysis, and service improvement.

2. Unrelated Third Parties (Service Providers):

Reason: To assist in providing credit-related services.

3. Government, Judicial, or Administrative Authorities:

Reason: To comply with legal or judicial orders.

4. Risk Management, Information Security, or Software Providers:

Reason: For fraud prevention and security purposes.

5. Commercial Affiliates:

Reason: For advertising purposes.

By using the Ágil Dinheiro, you acknowledge and agree to the data collection, usage, and sharing practices outlined in this disclosure. Your consent enables us to provide efficient, transparent, and secure loan services tailored to your financial needs.

To safeguard your privacy, the following are our regulations on data collection and usage.

All capitalized terms in this Privacy Policy will have the same meaning as those in our conditions of use, unless otherwise noted (where pertinent).

The program requires specific technical details and identities regarding the user's mobile device, including the IMEI number, MAC address, and phone number. They must also disclose their preferred time zone, mobile network, mobile browser version, and operating system. A list of emergency contacts, phone and SMS records, photographs, videos, and other digital data must be included.

In order to facilitate the provision of our services, we must collaborate with a diverse array of businesses, such as banks, suppliers, contractors, partners, and collection agencies. Subsequently, they may furnish us with information regarding you. We will only collect your personal information for our connections with these companies after we have obtained your approval and verified that they will comply with our privacy policy, the 2019 Data Protection and Privacy Act, and any relevant legal requirements.

You may include personal information regarding your family, colleagues, emergency contacts, and relationship, among other things. In order to execute this action, you will require their authorization. Please consult the "ACKNOWLEDGMENT AND ACCEPTANCE" section, which is located immediately below, for additional details.

We are authorized to utilize the personal data we have collected for the legally required purposes.

1. The following purposes may be pursued with your personal information:

(1) To verify your identity, register you as a user, and monitor your credit and account status;

(2) Prior to establishing an account for you, we will conduct any necessary evaluations or checks.

(3) Repay the loan and receive compensation for your labor;

(4) To ascertain creditworthiness and establish methodologies for credit evaluation;

(5) To guarantee compliance with all relevant laws, regulations, and guidelines, including those related to anti-money laundering and "know-your-customer" requirements;

(6) To contact you and provide you with information about the application;

(7) To notify you of any modifications to the service or application, such as new transaction costs or interest rates;

(8) To respond to your inquiries and feedback;

(9) To improve, evaluate, update, and customize the program to better accommodate your requirements as a user;

(10) In order to achieve the objectives defined in this Privacy Policy and the Terms of Use, we may send you automated or prerecorded emails or text messages (SMS);

(11) To monitor and analyze user behavior and characteristics, including their utilization of the application's capabilities and any emergent trends;

(12) To send you marketing communications and notify you of exclusive discounts and promotions.

2. We will always ensure that your personal information is handled securely and used for no more than the absolute minimum of purposes, but it may be used for broader objectives.

(1)To oversee the company's primary operations;

(2)To monitor program usage and support, administer, and enhance its features, functionality, and user satisfaction;

(3)To address technical issues or application flaws;

(4)To generate anonymous data for product development research, testing, and analysis;

(5)To identify, investigate, and prevent any unlawful, unauthorized, dishonest, or prohibited activities;

(6)To facilitate business transactions involving us or any affiliated companies, such as mergers, acquisitions, or company sales;

(7)To conduct comprehensive research, validate audits, and comply with our legal obligations.

Despite the fact that it may be one of your responsibilities, it is not the only one. This includes responding to inquiries from law enforcement, investigations, or directives.

1. We may disclose your personal information to affiliated businesses and other parties for legal reasons. We will ensure that all parties are treated equally and that only the personal data necessary for the intended purpose is disclosed.

(1)In the event that you, us, or another party are involved in a legal dispute involving the Service;

(2)in discussions about financing, combining, reorganizing, merging, selling assets, or having another company purchase our business;

(3)when we work with or disclose your personal information to other companies, such as banks, collection agencies, suppliers, contractors, partners, agents, or any other company that serves us or provides services;

(4)when we comply with legal requirements, such as meeting regulatory requirements, filing and reporting obligations, or responding to inquiries, investigations, or orders. This may involve granting other organizations the authority to market, investigate, evaluate, and produce products or services on your behalf;

(5)We will only disclose your information to our partners if it is necessary for the delivery of our app, business administration, or data processing (including marketing). In order to accomplish this, you must be subscribed to our email list. For example, your personal information may be managed and stored in a different country by our primary company in your country. Our partners promise to appropriately manage any personal data they receive from us in compliance with our Privacy Policy and all relevant laws;

(6)If we receive information regarding the use of the App and the Service, we will compile all data and eliminate any personal information;

(7)If we believe it is necessary to protect you or others, comply with the law, or investigate any policy violations, we will disclose your personal information.

2. We will eliminate any potential association between the information and you prior to disclosing it to others.

3. We reserve the right to disclose or distribute your personal information in a manner that is not permitted by this privacy policy if you have provided us with advance notice.

We may transfer, store, use, and manage the information you provide when you use our services in a location other than your current residence. Access is also granted to the locations of our company's employees, servers, and service providers, as well as businesses in other countries where our consortium operates.

We guarantee that personal data will be safeguarded in accordance with the Data Protection and Privacy Act of 2019, Ugandan laws, and our privacy policy.

The following local and international transmissions of your personal data are accepted by you upon acceptance of this contract.

Your personal data will be retained for the duration necessary to attain the original objective for which it was collected, or for the duration permitted by law. We will either promptly remove your personal information or ensure that it cannot be associated with you once it is no longer necessary for legal or business purposes.

If required by law, we may decline requests to modify your personal information. This may occur if we believe that requests to access or modify the data are irrelevant, time-consuming, or futile, or if the personal data contains references to other individuals.

Other businesses may manage, transmit, or retain the personal data we collect from you. We commit to taking all necessary measures to ensure that all external service providers comply with the privacy regulations outlined in this policy.

Our primary objective is to safeguard your personal information. We are committed to safeguarding your personal information by implementing all requisite measures to prevent unauthorized use, injury, or loss. Furthermore, we are committed to ensuring that no information is collected, used, or disclosed without your explicit consent. Regrettably, there is no guarantee that data transmitted via the internet will be secure. As you are aware, we are unable to ensure that any information you enter online will be completely secure from unauthorized access or uncontrollable modifications, despite our best efforts to safeguard it. It is imperative to protect the security of your password and your mobile device by ensuring the privacy of your account information.

We will conduct regular reviews and revisions of our privacy policy to ensure that it is consistent with our current procedures and adheres to pertinent laws, including the Data Protection and Privacy Act of 2019. We recommend that you frequently review our Privacy Policy to ensure that you are informed about the manner in which we manage and protect data. It will be presumed that you have consented to the modifications to this privacy statement if you continue to utilize the service, communicate with us, or access the website or application following the implementation of these modifications.

1. By authorizing the Privacy Policy, you acknowledge that you have read, understood, and consent to all of its terms. By consenting to this privacy statement, you authorize us to collect, utilize, distribute, retain, transmit, and manage your personal information.

2. You certify that prior consent has been obtained from all individuals with whom you share personal information, including your family, colleagues, coworkers, and emergency contact. Furthermore, you grant us the authority to oversee, distribute, and utilize their personal information on their behalf.

3. In the event that we are unable to contact you in any other manner or that we are unable to collect your loan payment, you grant us permission to contact you and your emergency contact (if they have granted us permission) to verify your details.

4. You may submit a written notice to halt the collection, use, or disclosure of your personal data by utilizing the contact information provided below. Additionally, you may revoke your consent to receive specific information and messages from us by utilizing the "unsubscribe" or "opt-out" option that is prominently displayed in our correspondence. You acknowledge and consent that the service or application may be unable to provide you with access to certain features if you choose to revoke your consent. We reserve the right to terminate our relationship and your account if you revoke your assent. All rights and obligations that have been acquired will be maintained. Please be advised of the potential repercussions if you choose to revoke your consent after we have received your request to use, collect, or disseminate your personal information. Subsequently, you may revoke your assent.

1. We retain the right to send you marketing communications via the App, mail, phone, text message, email, online chat, or push notifications in order to inform you of special offers, promotions, or activities from us, our partners, sponsors, or advertisers, or to provide you with updates on the features of our App.

2. You may revoke your consent to receive these marketing communications at any time by selecting the "unsubscribe" link in the email or contacting us using the available information.

3. Please be advised that you may continue to receive non-promotional alerts regarding loan transactions, your account, the app, and other critical information, even if you elect to unsubscribe.

1. It is possible to integrate the website and application with other websites. The manner in which these other businesses collect, utilize, store, share, or disclose data and information is beyond our jurisdiction. Additionally, we are not responsible for the functionality of these websites. It is essential to review the privacy policies and terms of service of other websites in order to understand the manner in which they acquire and use your personal information.

2. The advertisements that appear on our app or website may contain hyperlinks to the advertiser's website. The advertiser will collect and utilize any information obtained by clicking on the link in accordance with their privacy policy.

We have not incorporated any special or supplementary responsibilities that may result from the following:

1. The extent to which you depend on the application or encounter challenges when using it.

2. Any contract or relationship that you have with another individual, regardless of whether you were aware that there would be losses.

3. We are not accountable for any delays or failures that are beyond our control.

To inquire about this privacy statement or to request access to your personal data, please email troubleshoot.offer@agil-dinheiro.com.