1. Our Commitment to You
At NivoCredit, your trust is the foundation of everything we build. This Privacy Policy describes what personal information we collect when you use our mobile application ("the App"), how that information is managed, and the rights you hold over your own data. By installing or using the App, you agree to the practices outlined here. If any part of this Policy is not acceptable to you, please stop using the App.
2. Terminology
Any capitalized terms not specifically defined in this Privacy Policy carry the meanings assigned to them in our Terms of Service.
3. Data We Collect
To operate effectively and serve you well, NivoCredit may collect various types of information. All data is transmitted through encrypted connections and stored on protected infrastructure at:
🔐 https://server.nivocredit.co
a. Personal and Financial Details
This may include your full name, gender, contact number, national identification number, income level, and home address. We use this information to confirm your identity, evaluate your eligibility for our services, and satisfy our regulatory obligations.
b. Device and Network Data
We may collect information such as your device type and model, operating system version, unique hardware identifiers, user settings, connection details, and mobile network activity. This data helps us detect unusual behavior, prevent unauthorized access, and keep our platform secure.
c. Approximate Location
With your permission, we may collect general location information to verify regional service availability and ensure compliance with local laws and requirements.
d. App Usage and Installation History
We gather data about third-party applications on your device — including version numbers and recent update history — to refine the accuracy of our credit assessment models and gain a better understanding of users' financial behavior.
4. How Your Data Is Used
NivoCredit processes your information only for legitimate, well-defined, and transparent purposes:
- Confirming identities and preventing fraudulent activity
- Creating and managing user accounts
- Sending service notifications, updates, and important communications
- Assessing credit eligibility and financial risk
- Meeting legal obligations, including KYC and AML requirements
- Handling customer support requests and dispute resolution
- Improving our platform's features, performance, and user experience
We will never sell your personal data or use it beyond the purposes you have agreed to.
5. Retention of Your Data
Your data is retained only for as long as it is needed to deliver our services or meet applicable legal and regulatory requirements. If you request the deletion of your personal data or account, we will act on that request without delay — unless continued retention is required for compliance, audit, or dispute resolution purposes. Fully anonymized data may be kept for aggregate analysis and service improvement.
6. Keeping Your Information Safe
NivoCredit applies multiple layers of protection — including encryption, access restrictions, and physical security measures — to minimize the risk of unauthorized access and data loss. Our systems are continuously monitored and updated to address evolving security threats. While no digital service can offer absolute guarantees, we align our security practices with recognized industry standards to keep your data protected.
7. Policy Updates
This Privacy Policy may be updated as our services develop or as regulations change. For material updates, we will notify you through the App or by email. Your continued use of NivoCredit after any revision indicates your acceptance of the updated Policy.
8. Reach Out to Us
If you have questions about this Policy or the way your personal data is handled, please contact us at:
📧 Email: support@nivocredit.co
By using NivoCredit, you confirm that you have read, understood, and accepted this Privacy Policy in full.