Welcome to the Go Cash plus application (hereinafter referred to as "this application" or "Go Cash plus") developed by Prosperity Archipelago Limited. We are fully aware of the importance of your personal information, so we have developed this privacy agreement (hereinafter referred to as "this agreement") to explain to you how we collect, use, store, share and protect the personal information you provide to us during the use of this application. Please read this agreement carefully to understand how we handle your personal information.

Definition

Personal information: refers to various information recorded electronically or otherwise that can identify a specific natural person alone or in combination with other information or reflect the activities of a specific natural person. For example, your name, ID number, contact information, etc. are all considered personal information.

We / Prosperity Archipelago Limited: the developer and operator of the Go Cash plus loan software, responsible for the daily operation and maintenance of the software and the processing of your personal information.

How do we collect your personal information?

Before you apply for a loan, we will apply for corresponding permissions based on the loan information you fill in. The following is the detailed instructions of the new one, please read it carefully:

Personal information:

We need to obtain your personal information, such as name, ID number, contact information, etc. This is not to pry into your privacy, but a strict requirement of financial supervision to ensure that every loan business can be traced to the identity and the risks can be controlled. Imagine that without this information, when problems such as overdue loans occur, we will not be able to accurately identify the responsible person, which may bring huge losses to both you and us. At the same time, we use top - notch encryption technology in the industry to encrypt your information layer by layer and store it in a server with multiple protections to ensure that it is difficult for any third party to obtain.

Location :

Obtaining your location information is not to monitor your whereabouts. The main purpose is to accurately match the loan policies and cooperative financial institutions suitable for your area. There are differences in financial policies in different regions. Through positioning, we can quickly screen out loan products that comply with local rules for you, saving your time and energy.

Camera :

The camera permission is used in various scenarios. For example, when you need to upload your ID photo for identity verification, calling the camera allows you to complete the operation more conveniently without having to search for the photo in the album, reducing the number of operation steps. When conducting face recognition to confirm that the loan application is made by yourself, the camera is even more essential. This is to prevent others from using your identity to apply for a loan and protect your funds. The photos and videos taken will be stored in accordance with a strict encryption process after verification and will be deleted within the specified time and will not be used for any other purposes without your authorization.

Calendar:

Obtaining the calendar permission is to be able to notify you in a timely manner through the calendar reminder function when the repayment date is approaching, avoiding overdue repayment due to your forgetfulness and affecting your personal credit record. We will not read other private schedules in your calendar and only use this permission in the function of setting repayment reminders.

App List :

Reading the app list is not to pry into which other apps are installed on your mobile phone. In fact, this is to detect whether there are malicious software or viruses in your mobile phone. These malicious programs may steal your loan information and bring you losses. Through the analysis of the app list, our security system can identify abnormal apps and provide protection for your mobile phone and loan information in a timely manner. We will not use your app list information for other commercial purposes or disclose it to third parties.

SMS Permission:

When a user applies for a loan, we need to obtain SMS information about their financial attributes. This allows us to assess their financial status from multiple perspectives, prevent loan fraud rings from using virtual devices to commit loan fraud, and effectively mitigate fraud risks. We strictly adhere to the requirements of Google's user privacy policy and do not obtain SMS content involving user personal information. We only collect SMS messages containing the following financial-related information: [salio,tsh,pesa,malipo,mkopo,kulipa,TZS,lipa,umelipia],and so on . Due to the word limit, please check the privacy agreement for specific keywords. The above data will be encrypted and uploaded to: https://qes.prosperityarchipelago.cc and deleted after receiving the first loan application result.

Contact :

Obtaining the contact permission, with your authorization, when you encounter special situations such as repayment difficulties, we can contact you through the emergency contacts you provided to jointly discuss solutions. At the same time, in extreme cases, such as when your loan is seriously overdue and we cannot directly contact you, we can try to communicate with you through the emergency contacts to avoid the further deterioration of the overdue situation and have a greater impact on your credit. We will strictly keep your contact information confidential and will not disclose it to third parties at will.

Device :

Obtaining device permissions, such as device model, operating system version and other information, helps us optimize the running performance of the app on different devices to ensure that you can obtain a smooth user experience. There are differences in the hardware and software environments of different devices. By understanding this information, we can target and solve possible compatibility problems. At the same time, this information is also used for security protection to identify abnormal login devices and protect your account security. We will not improperly associate device information with your personal sensitive information and will strictly protect your privacy.

How we use your personal information？

Provide loan services: We use your personal information to process and review your loan application, determine the loan amount, interest rate and repayment plan, issue loans to you, and manage your loan account, including repayment reminders, overdue notices, etc.

Personalized services: By analyzing your personal information and usage behavior, we can provide you with personalized services and recommendations, such as loan products and promotions that meet your needs, to enhance your user experience.

Improve products and services: We use the collected information to analyze the usage of the application, identify user needs and pain points, so as to improve and optimize our products and services and develop new functions and features.

Security and risk management: We use your personal information to prevent and detect fraud, abuse and other security risks, and protect the security of your account and the security of our business operations. For example, prevent fraudulent loan applications through device identification and credit assessment.

Legal compliance: We may use your personal information to fulfill our legal obligations, such as cooperating with investigations by regulators, in accordance with the requirements of laws and regulations or the legitimate requests of government departments.

How do we store your personal information?

Storage location: We store your personal information on our servers located at wwq.rexenfintech.org

, which are protected by strict security measures to ensure the security of your information.

Storage period: We will only retain your personal information for the period necessary to achieve the purposes described in this Agreement, unless otherwise required or permitted by laws and regulations for a longer retention period. For example, after your loan account is closed and all related debts are paid off, when your personal information is no longer needed, we will delete or anonymize the information in a secure manner.

How we protect your personal information

Security technical measures: We use industry-leading security technical means to protect the security of your personal information. For example, we encrypt data in transmission and use the SSL (Secure Sockets Layer) encryption protocol to prevent data from being stolen or tampered with during network transmission; we encrypt personal information stored on the server to ensure that even if the data is illegally obtained, it is difficult to interpret. At the same time, we set up a strict access control mechanism so that only authorized personnel can access your personal information, and all access behaviors will be recorded in detail for traceability and auditing.

Personnel management measures: We conduct strict background checks and on-the-job training for employees who come into contact with your personal information to ensure that employees have good professional ethics and privacy protection awareness. We sign confidentiality agreements with employees to clarify their confidentiality responsibilities and obligations for your personal information. Employees who violate confidentiality regulations will be subject to serious disciplinary sanctions, up to and including legal liability. In addition, we regularly conduct information security training for employees to enhance their awareness of information security risks and their ability to prevent them.

Your rights

Right of Access: You have the right to access your personal information on the Go Cash Plus platform at any time, including account information, loan application records, and personal information. You can log in to the app and easily access your personal information in your profile or the relevant settings interface.

Right to Correction: If you discover that your personal information stored by us is incorrect or inaccurate, you have the right to request that we correct it. You can submit a correction request through the app's feedback channels, such as online customer service or the feedback platform, and provide the correct information and relevant supporting documents. We will promptly correct the information after verification.

Right to Deletion: You have the right to request that we delete your personal information, subject to legal and regulatory requirements. For example, if we no longer need your information to provide services, or if you withdraw your consent for us to use your information and there is no other legitimate reason to retain it, you can contact our customer service team to submit a deletion request, and we will delete the relevant information as soon as possible after verification. You can also delete your personal information by clicking "Cancel Account" in the app or official website. The information will be deleted within 24 hours of submitting your request.

Right to Withdraw Consent: For certain personal information that requires your authorization and consent for collection and use, you have the right to withdraw your consent at any time. You can withdraw your consent through your device's privacy settings (e.g., disabling location information authorization) or the relevant function settings in this software (e.g., unsubscribing to marketing notifications). After withdrawing your consent, we will no longer collect and use your information based on that consent, but this will not affect the legal processing we have performed before your withdrawal of consent.

Protection of minors

We attach great importance to the protection of minors' personal information. This software does not provide services to minors under the age of 18, and we will not intentionally collect personal information of minors. If we find that we have accidentally collected personal information of minors, we will immediately take measures to delete the relevant information. If you are the guardian of a minor and find that a minor has provided us with personal information, please contact us in a timely manner and we will do our best to assist you in handling related matters.

Update of Privacy Policy

We may update this privacy agreement in a timely manner according to changes in laws and regulations, business development needs or other actual situations. The updated agreement will be published in a prominent position in this software and the update effective date will be clearly stated. We recommend that you review this privacy agreement regularly to understand the latest changes in how we handle your personal information. If you continue to use this software after the agreement is updated, it will be deemed that you agree to be bound by the updated agreement.

If you have any questions, suggestions, or comments about this Privacy Agreement, our services, or the handling of your personal information, or need more help, you can contact us in the following ways:

Email: Send an email to trils87511@gmail.com. Please indicate [Privacy Agreement Consultation] or related topics in the email title so that we can handle it quickly. We will reply to you within 3 working days after receiving the email.

Customer Service Phone: Call the customer service hotline +234 82213229881. The service hours are Monday to Friday 8.30 am to 5.30 pm. If the call is busy, please wait patiently and we will answer your call as soon as possible.

We attach great importance to your feedback and will take every opinion and suggestion seriously, and will process and respond to it in a timely manner, and strive to provide you with better service and experience.

Prosperity Archipelago Limited