About AdimsCredit

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Privacy Policy for First ******* *** its associated entities

First Capital Financial Consult Ltd is the company offering AdimsCredit services. It takes customer privacy **** seriously and discloses all privacy issues to present and future AdimsCredit customers. 

***** of policy

This privacy policy (Policy) together **** our Terms of Use and Loan Account Agreement as set out at http://adimscredit.com and any additional terms of use applies to your *** of:

1. AdimsCredit ****** application software (App) ********* on our site OR ****** on the Google Play ***** (App Site), once *** have downloaded or streamed a **** of the App onto your mobile telephone or handheld device (Device).

2. Any of the services accessible through the App (Services) or those available on the *** **** or other sites of ours or ***** third-party Sites (Service Sites).

**** policy sets out the basis on which any ******** data we collect from you, ** that you provide ** us, **** be processed by us.

Please read the following carefully ** understand our views and practices regarding your personal data and how we will treat it. By downloading the App, you confirm that you **** read, understood *** accept the ***** of **** Policy set out hereunder. You also consent ** the collection, use, storage, processing *** disclosure of **** personal information in the manner set *** in **** Policy.

A. Information we may collect from you

We may collect and process the following data ***** you.

a) Information you give ** about *** (Submitted information):

This *** include information:

  • provided ** filling ** forms in *** *** or on the App Site (together Our Sites);
  • provided by corresponding with us (*** example, by e-**** or chat);
  • ******** by registering to use the App Site, downloading or registering the App, subscribing to any of our Services (such as applying for a loan), searching for an app or Service, sharing data *** the App's social media functions, ******** a competition, promotion or survey, *** reporting a problem with the App, our Services, our App Site or any ** Our Service Sites.

This information may include your name, address, e-mail address *** phone number, the Device's phone number, SIM card details, age, username, password and other registration information, financial *** credit *********** (including your ****** money account details, bank account details, and **** verification number, where applicable), personal description *** photograph.

b) Information ** collect about you and your device.

Each time you visit one of our ***** or use one of our Apps we may automatically collect the following information:

  • technical information, including *** type ** ****** device you use, unique ****** identifiers (for example, your Device's **** or serial number), *********** about the SIM card used by the Device, mobile network information, your Device’s operating system, the type of browser you use, or your Device’s location *** time zone setting (****** Information);
  • *********** stored on your Device, including contact lists, call logs, SMS logs, Facebook friends, contact lists from other social media accounts, photos, videos ** other digital ******* (Content Information);
  • data from your use of any other third-party application on the Device or the Service Sites; and
  • details of your use of *** of our Apps or your ****** ** *** of Our Service Sites; including, but *** limited to, traffic data, location data, ******* and other communication **** (Log Information).

c) Location information.

We may also use *** technology OR other location ******** to determine your current location. You *** withdraw **** ******* to our collection, processing or use of this information at any time by logging out and uninstalling the App from **** Device.

d) Information we receive from other sources (Third Party Information).

Due to the nature of the Services which we provide, ** are required to work with a ****** of ***** parties (including ****** reference agencies and mobile network providers) and ** may receive *********** about you from them.

e) Unique application numbers.

When you install or uninstall a Service containing a unique application number or when **** a Service searches for automatic updates, **** number and information about your installation, for example, the **** of operating system, may be sent to us.

B. Tracking and cookies

We *** use mobile ******** ************ and/or website cookies to distinguish you from other users of the App, App Site, ** Service Sites. This helps us to ******* *** with a **** ********** when you use the *** or browse any of the Service Sites and also allows us to improve the App and Our ******* Sites.

C. Uses made of the information

We may associate any category ** information with any other ******** of information *** will treat the combined information as personal data in accordance with this Policy for as long as it is combined.

Information collected by us shall be used *** the purpose of determining ******* or *** to provide a **** to the customer, the amount of such loan and *** ***** and conditions applicable to such loan.

We ***** submit your information ** a third party ********** companies, and credit bureaus where necessary. Other ********* ***** we might share your information is in compliance with an ***** of *** Court, Arbitral Panel, Tribunal, Regulatory Directive or Order or *** other legal or regulatory obligation.

D. Third Party Access

We will only share ******** information with other companies ** individuals in the following limited circumstances:

  • a) ** **** your consent.
  • b) We provide such information to other trusted businesses ** persons *** the ******* of ********** personal information on our behalf. We require that these parties agree to process such information based ** our instructions and in compliance with this Privacy Policy *** any other appropriate confidentiality and security measures.
  • c) We have a good faith belief that access, use, preservation ** disclosure of such *********** is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable terms ** service, including investigation ** potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against ******** **** to the rights, property or safety of AdimsCredit, its ***** or the public as ******** or permitted by law.

AdimsCredit is at all times, responsible for the security and appropriate use of that data as long as it remains with AdimsCredit

E. Disclosure ** your information

Subject to the provisions ** D(a) above, we may disclose some or all of the **** we ******* from you when *** download or use the App to credit reference bureaus.

We may ******** your personal information to any member of our group, which means our subsidiaries, affiliates, our ******* company and *** subsidiaries.

We may ******** your personal information to third parties:

  • in *** event that we sell or buy *** business or assets, in which case we may ******** your personal data to the prospective seller or buyer of such ******** or assets;
  • if First Capital or substantially all ** its ****** are acquired by a third party, in which **** personal data held by it about its customers will be one of *** transferred assets;
  • ** we are under a **** to disclose or share your personal data in order to comply **** any legal or regulatory obligation or request; and/or
  • in order to: enforce our Terms *** Conditions and ***** ********** or to investigate potential breaches; report defaulters to any ****** bureau; or for *** purpose of publishing statistics relating to the use of the App, in ***** case *** information may be aggregated or made anonymous.

F. Where ** store **** personal data

The data that we collect **** you may be transferred to, and stored at, a destination ******* your ******* of origin or residence (as applicable). Such country(ies) *** not have *** same data protection laws *** the same level of enforcement of data protection laws as your country of origin or residence. It may also be processed by staff operating ******* your country of origin or residence (as applicable), who **** for us ** for *** of *** suppliers. These staff members may be engaged in the fulfillment ** your ******** on the Service Sites. By ********** your personal data, you also agree to the collection, transfer, storing ** processing of your personal **** in the manner set *** above. We **** take all steps reasonably necessary to ensure that your data is treated, stored and processed securely and in accordance with this privacy Policy.

Where we have ***** *** (or where you have chosen) a password that enables you to access ******* parts of Our Service Sites, you are responsible for keeping **** password confidential. We ask you not ** share a password with anyone. Unfortunately, the ************ of *********** via the internet is *** completely secure. ******** we will do our best to protect your ******** data, we cannot guarantee the security of your data transmitted to *** Service Sites; any transmission is at your own risk. **** we have received your information, we will *** strict procedures and security features to try to prevent unauthorised access.

G. Data Security

We ********* and maintain appropriate safeguards to protect personal data, taking into ******* in particular the ***** to you, ********* by ************ or unlawful ********** or accidental loss, destruction of, or ****** ** their personal data.

Safeguarding **** ******* the *** of encryption and pseudonymisation where appropriate. ** also includes protecting the confidentiality (i.e. that only those who **** to know and are authorised to *** personal data have access to it), integrity *** availability of the personal data. We regularly evaluate *** test the ************* of those safeguards to ensure the security of our ********** ** personal data.

H. Your rights

We will use your data for the purposes of ********* statistics relating ** our user base or loan portfolio and may disclose such information to *** third party for such purposes, provided that such information is in **** with the Terms and ********** of use.

I. Access

You have the right to stop our access ** your personal data. Should you wish to stop sharing information, you can uninstall the AdimsCredit App.

J. Our Data Protection Principles

**** ** process **** ******** data, we are guided by the following principles, which require personal **** to be:

  • Processed lawfully, fairly, in a transparent ****** and with respect for the ******* of the human person.
  • Collected only for specified, explicit and legitimate purposes and not further processed in a ****** incompatible with those purposes.
  • Adequate, relevant *** limited to what ** necessary in relation to the ******** for which it is processed.
  • Accurate and where necessary kept up to date.
  • Not **** in a **** which ******* identification of data subject for longer than is necessary for the purposes for which *** ******** **** is processed.
  • Processed in a manner that ensures its security, using appropriate technical and organisational measures to protect against ************ ** unlawful processing and against ********** loss, destruction ** damage.

K. Violation of Privacy Policy

We have put in place procedures to deal with any suspected ******** data breach and **** notify you of *** personal data breach and let you know the steps we have taken to remedy the breach *** the security measures ** have applied to render **** personal data unintelligible.

All suspected breach ** ******** **** will be remedied within three months from the date of the report of the breach.

If you know or suspect that a personal data breach has occurred, you should immediately contact the Adims Credit team [email protected]

AdimsCredit will not be responsible for any personal data breach which ****** as a result of:

  • an ***** which is beyond the control of AdimsCredit;
  • an act or threats of terrorism;
  • an act ** God (such as, but not ******* to fires, explosions, earthquakes, drought, tidal waves *** floods) which compromises AdimsCredit’s data ********** measures;
  • war, hostilities (whether war be declared or not), invasion, act of foreign enemies, mobilisation, requisition, or embargo;
  • rebellion, revolution, insurrection, or military ** usurped power, or civil war which compromises AdimsCredit’s data ********** measures;
  • the transfer of your ******** data to a third party on your instructions; and
  • the use of your personal data by a third party designated by you.

L. Changes to privacy policy

Any changes ** may make to this Policy in *** future will be posted on this page and, where appropriate, notified to you when you next ***** the App or log onto *** of the Service Sites. The *** terms may be ********* on-****** *** you may be required to read *** accept them to continue your use of the App or the Services. In *** event, by ********** to use *** App or *** Services after the posting ** any changes, you confirm your continuing acceptance ** **** ****** together with such changes, and your ******* to the terms *** out therein.

Questions, ******** and requests ********* **** privacy policy are welcomed and should be addressed to[email protected]

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