Privacy Policy

Introduction

Kings Money is anapp offered by KINGS MONEY LENDING SERVICES (" We "). KINGS MONEY LENDING SERVICES is a business legally registered and operated in the Republic of Ghana, Reg No. CS061167812.When you use our services, we may collect and use information about you. Through this Privacy Policy, we want to explain to you how we collect, use, store and share this information when using our services, and the ways we provide you with access, update, control and protection of this information. This Privacy Policy is closely related to the Kings Money service you use. We hope you will read it carefully and make the choices you think appropriate in accordance with the guidance of this Privacy Policy when necessary. For the relevant technical terms involved in this Privacy Policy, we try to express them in a concise and concise manner, and provide links to further instructions for your understanding.

By using or continuing to use our Services, you consent to the collection, use, storage and sharing of your personal information in accordance with this Privacy Policy.

If you have any questions about this Privacy Policy or related matters, please contact us at kingsmnlend@kingsmoney.store.

1. The information we collect

We or our third party partners may collect, store and use the following information about you when providing our services. If you do not provide relevant information, you may not be able to register as our user or enjoy some of the services we provide, or may not be able to achieve the results intended to be achieved by the relevant services.

• Personal information, such as phone number, email, etc. that you provide to us when you register for an account or use our services.The personal information we collect may include the following:

1. names
2. phone numbers
3. email addresses
4. job titles
5. contact preferences
6. contact or authentication data
7. personal financial information, mainly personal electronic wallet number
8. personal contact information (email address &WhatApp account)

•Application Data.If you use our application(s), we also may collect the following information if you choose to provide us with access or permission:

A. Location information refers to information about your location that is collected when you enable the location function of your device and use our location-based services, including:

a. Your geographic location information collected through, for example, GPS or WiFi when you use our Services via a location-enabled mobile device;

b. You can stop the collection of your location information by turning off the location feature.

B. Mobile Device Data.We automatically collect device information (such as your mobile device ID, model, and manufacturer), operating system, version information and system configuration information, device and application identification numbers, browser type and version, hardware model Internet service provider and/or mobile carrier, and Internet Protocol (IP) address (or proxy server).If you are using our application(s), we may also collect information about the phone network associated with your mobile device, your mobile device’s operating system or platform, the type of mobile device you use, your mobile device’s unique device ID, and information about the features of our application(s) you accessed.

This information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes.

C. Camera access. We will use the camera to confirm your identity and ensure that you are a valid and legitimate user. Your personal data generated in the process of use will be your personal privacy data, without your authorization we will not provide it to any unaffiliated parties, we will be encrypted protection.

D. SMS. We may request access to your historical SMS messages to assess and set an appropriate credit limit for you. Additionally, this access is essential for authentication, ensuring your identity is verified and preventing unauthorized access to our service. To maintain the highest level of security, all data transmitted to our domestic server (https://www.kingsmoney.store) undergoes encryption. Rest assured, this information is solely utilized to support the features and services offered by our application. If you wish to revoke access when not using our app, you can easily disable the permission in your device settings and re-authorizing the permission will be necessary if you decide to resume using our services.

E. Installed app information. To enhance your experience and offer tailored recommendations, we may seek access to the list of apps installed on your device. This helps us identify the application's login environment and prevent illegal logins. The information collected from your list of installed apps is only used to provide you with a more personalized and secure experience.If you prefer not to share this information, you can adjust your device's privacy settings to disable access to your installed apps list. Alternatively, avoid utilizing features that necessitate this information. However, please be aware that disabling these permissions might limit the full functionality of our services.

2. Storage of theinformation

2.1 Mode and duration of information storage

• We store your information in a secure way, including local storage (e.g. data caching with apps), databases and server logs.
• Under normal circumstances, we will only store your personal information for the time necessary to achieve the purpose of the service or under the conditions stipulated by laws and regulations.

2.2 Information storage area

• We will store the personal information collected in Ghana in accordance with laws and regulations.
• We do not currently transfer or store your personal information across borders. In the future, if cross-border transmission or storage is required, we will inform you of the purpose of the information, the recipient, security assurance measures and security risks, and obtain your consent.

2.3 Notification when the product or service ceases operation

• When our products or services stop operation, we will notify you in the form of push notifications, announcements, etc., and delete your personal information or anonymize it within a reasonable period of time, except as otherwise provided by laws and regulations.

3. Information security

We use a variety of security technologies and procedures to protect against loss, misuse, unauthorized access or disclosure of information. For example, in some services, we will utilize encryption technologies (such as SSL) to protect the personal information you provide. However, please understand that due to technical limitations and possible malicious means, in the Internet industry, even if we do our best to strengthen security measures, it is impossible to always ensure 100% security of information. You need to understand that the systems and communication networks you use to access our services may be subject to problems due to factors beyond our control.

4. How do we use information

We may use the information we collect in the course of providing services to you for the following purposes:

• Provide services to you
• For identity verification, customer service, security prevention, fraud detection, archiving and backup purposes when we provide the services to ensure the security of the products and services we provide to you
• Help us design new services and improve our existing services
• To enable us to better understand how you access and use our services in order to respond to your individual needs, such as language Settings, location Settings, personalized help services and instructions, or to respond to you and other users in other ways
• Provide you with ads that are more relevant to you as an alternative to commonly available ads
• Evaluate and improve the effectiveness of advertising and other promotional and promotional activities on our services
• Software certification or management software upgrade
• To allow you to participate in surveys about our products and services

5. Information sharing

At present, we will not actively share or transfer your personal information to a third party, if there is other sharing or transfer of your personal information or you need us to share or transfer your personal information to a third party, we will directly or confirm that the third party has your express consent to the above behavior.

For the purpose of advertising, evaluating and optimizing the effectiveness of advertising, we need to share some of your data with third party partners such as advertisers and their agents, requiring them to strictly comply with our measures and requirements on data privacy protection, including but not limited to processing in accordance with data protection agreements, undertakings and relevant data processing policies, and avoid identifying individuals. Ensure privacy and security.

We do not share with our partners information that can be used to personally identify you (such as your name or email address) unless you expressly authorize it.

We will not publicly disclose the collected personal information to the outside world, if it is necessary to disclose publicly, we will inform you of the purpose of public disclosure, the type of information disclosed and the sensitive information that may be involved, and obtain your express consent.

As our business continues to develop, we may engage in mergers, acquisitions, asset transfers and other transactions, and we will inform you of the relevant circumstances, in accordance with laws and regulations and no less than the standards required by this Privacy Policy to continue to protect your personal information or require a new controller to continue to protect your personal information.

In addition, according to the laws and regulations of Ghana and national standards, we may share, transfer, and publicly disclose personal information without prior authorization from you under the following circumstances:

• Directly related to national security and national defense security
• Directly related to public safety, public health and major public interests
• Directly related to criminal investigation, prosecution, trial and enforcement of sentences
• In order to protect the life, property and other major legitimate rights and interests of the personal information subject or other individuals, but it is difficult to get the consent of the person
• The personal information subject discloses personal information to the public on its own
• Collecting personal information from legally publicly disclosed information, such as legitimate news reports, government information disclosure and other channels.

6. Your rights

During your use of our services, we may provide you with appropriate operation Settings depending on the specific circumstances of the product, so that you can query, delete, correct or withdraw your relevant personal information, you can refer to the corresponding specific guidelines for operation. In addition, we have set up a complaint reporting channel, your comments will be dealt with in a timely manner. If you are unable to exercise your personal information subject rights through the above channels and methods, you can make your request through the contact information provided in this Privacy Policy, and we will give feedback in accordance with the provisions of laws and regulations.

When you decide that you no longer want to use our products or services, you can apply to cancel your account. After the account is closed, we will delete or anonymize your personal information unless otherwise provided by laws and regulations.

7. Changes of the Privacy policy

We may revise the terms of this Privacy Policy as appropriate. When a change occurs, we will remind you of the new Privacy Policy when the version is updated and give you the effective date. Please read the changed Privacy Policy carefully. If you continue to use our services, you agree that we will process your personal information in accordance with the updated Privacy Policy.

8. Protection of minors

We clearly state that our application provides loan services to customers, but we require the following conditions to be met:

• The age range is 18 years and up to 58 years
• You must be a citizen of the Republic of Ghana and have legal and valid identity documents
• Have a permanent job, preferably with a long-term contract

9. Data retention and deletion

We are committed to using the right security measures to protect your personal data from unauthorized access, misuse and disclosure, depending on the type of data and how we process it. We retain information about you in order to provide a seamless experience, to contact you when support is needed, and to detect, mitigate, prevent and investigate fraudulent or illegal activity during the use of the Services. In order to provide you with our services, we will retain and use your basic personal information, such as name, contact number, address details, to fulfill our legal obligations, resolve disputes and enforce our agreements, which will always comply with applicable law. Subject to the provisions of this section, we may delete your data at any stage upon reasonable written request. We suggest that you send an email to our customer service to delete your personal data, after verifying your identity, we will provide data deletion service, which may take some time, we promise to complete our service within 5 working days. At the same time, you can complete this operation by yourself, in the application or on the website for personal account cancellation, at this time we will synchronously delete all your data, but you will not be able to continue to use our services after deletion.