LoanBuddy Privacy Statement

This Privacy Statement is issued by SKIDDIEZ WORLD LIMITED (hereinafter referred to as "we," "us," or "the Company") and applies to your use of the LoanBuddy app (hereinafter referred to as the "App"). We recognize the importance of protecting user privacy and are committed to ensuring the security of your personal information. This Agreement explains how we collect, use, store, and share your personal information, as well as your rights regarding the protection of your personal information. Please read this Privacy Statement carefully before using the App. By using the App, you are deemed to have fully understood and agreed to all terms of this Agreement.

I. Scope of Application

This Privacy Statement applies to our collection, processing, and protection of your personal information when you use the LoanBuddy app.

II. Collection of Personal Information

We only collect personal information necessary to provide loan services and related functions, as follows:

Personal Information Permissions

This app collects personal information primarily for account registration, identity verification, credit assessment, and personalized services. Before you apply for a loan, we will collect basic information such as your name, ID number, and mobile phone number through a form to comprehensively assess your loan eligibility and credit risk, and provide you with an appropriate loan amount and interest rate. Based on this information, we can also recommend personalized loan products and promotions that meet your needs. All collected personal information is stored using advanced encryption technology and uploaded to our server: https://ysls.skiddiezworldlimited.site, and promptly deleted or anonymized.

Location Permissions

LoanBuddy only provides loan services to Thai citizens in Thailand. This is to assist with risk assessment, clarify service areas, and provide localized services. We will use positioning technology to obtain your approximate location to confirm whether your application location is consistent with your usual place of residence to prevent fraud. We will also use your geographic location to verify whether you are located in Thailand to ensure legal and compliant services. Location information is only collected in real time when you use the relevant features. All collected personal information is stored using advanced encryption technology and uploaded to our server: https://ysls.skiddiezworldlimited.site, and promptly deleted or anonymized.

Camera Permissions

Camera permissions are primarily used for identity verification when applying for a loan. During the identity verification process, you can take a picture of your face or ID card and compare it to the submitted identification information to ensure your authenticity. Camera calls require your authorization, and the captured data will be encrypted and stored. All collected personal information is stored using advanced encryption technology and uploaded to our server: https://ysls.skiddiezworldlimited.site, and promptly deleted or anonymized.

App List Permissions:

We need to obtain information about apps you have actively installed on your device, but not about apps in the system. This data is primarily used to analyze your current financial habits and, in conjunction with our products, to provide you with more suitable loan products. While ensuring you can repay your loan, we will strive to improve your credit score. We will also identify high-risk apps that may compromise your security to protect the data and financial security of both parties. All collected personal information is stored using advanced encryption technology and uploaded to our server: https://ysls.skiddiezworldlimited.site, and promptly deleted or anonymized.

Contact Information

When applying for a loan, you can choose to automatically fill in your emergency contact information using the numbers stored in your address book, eliminating the need for tedious manual entry. If we are unable to reach you using the contact information you provide, such as in an emergency situation like a late payment, we will attempt to communicate with you using the emergency contact information. We will confirm whether you are experiencing difficulties, such as late payments due to errors reported by payment institutions or network issues, or if you are experiencing financial difficulties. Our customer service will assist users with resolving the issue as appropriate. You can also choose to manually enter emergency contact information without affecting the loan application process. All collected personal information is stored and uploaded to https://ysls.skiddiezworldlimited.site sing advanced encryption technology and promptly deleted or anonymized.

Device

Device information, including device model, operating system, IMEI, and MAC address, is collected to ensure proper app operation and optimize the user experience. For example, device model and operating system information allows us to specifically address compatibility issues across different devices. IMEI and MAC addresses are used to uniquely identify devices and prevent security risks such as multiple malicious loan applications on the same device. This information will not be combined with your sensitive personal information and is used solely for technical support and security purposes. All collected personal information is stored and uploaded to the server at https://ysls.skiddiezworldlimited.site using advanced encryption technology and promptly deleted or anonymized.

3. Use of Personal Information

Provide loan services: use your personal information for loan application review, credit assessment, contract signing, loan issuance, repayment reminder, post-loan management and other services.

Personalized services: provide you with personalized product recommendations, service notifications and marketing campaign information based on your usage information and preferences.

Security and risk management: prevent risks such as fraud, money laundering, malicious attacks, etc. by analyzing your personal information and behavioral data, and ensure transaction security and stable operation of the platform.

Service optimization and improvement: use the collected information for data analysis and research, improve the functions and performance of this application, and enhance user experience.

Legal compliance: use your personal information when required by law or in order to comply with regulatory provisions and respond to the requirements of judicial or administrative authorities.

We will not use your personal information for other purposes unrelated to the purposes stated in this Agreement. If personal information is to be used for other purposes, we will obtain your explicit consent in advance.

4. Storage of personal information

Storage location: Your personal information will be stored on servers to ensure compliance with the requirements data protection regulations. In special circumstances, if the data needs to be transferred overseas due to business needs, we will take necessary security measures and obtain your explicit consent in advance, and ensure that the country or region where the data recipient is located has the same level of data protection.

Storage period: We will only retain your personal information for the shortest period necessary to achieve the purposes stated in this Agreement. For loan-related information, we will retain it for a certain period after the loan contract is fulfilled in accordance with Nigerian laws and regulations and business needs. After meeting the storage period requirements, we will delete or anonymize your personal information.

Personal information protection measures

Technical measures: We use encryption technology (such as SSL/TLS encryption) to encrypt the transmitted and stored personal information to prevent the information from being stolen or tampered with during transmission and storage. At the same time, we will take technical measures such as access control, data backup, and security audit to ensure the security of the system and data.

Management measures: We have established a complete internal data management system and operating procedures, provide data protection training for employees, and clarify the data protection responsibilities and permissions of each position. Only authorized employees can access and process your personal information, and the access and processing behaviors will be strictly monitored and audited.

Emergency measures: We have formulated a data security incident emergency plan. If a security incident such as a data leak occurs, we will immediately activate the emergency plan, take remedial measures, and notify the relevant regulatory authorities and affected users within the specified time in accordance with the requirements of the Nigerian Data Protection Ordinance.

Although we have taken the above reasonable security measures, due to technical limitations and various possible malicious means, the network environment is not 100% secure, and we cannot absolutely guarantee the security of your personal information. If you find that your personal information may be leaked, please notify us in time through the contact information provided in this Agreement, and we will try our best to assist you in handling it.

Your Rights

You have the following rights regarding the protection of your personal information:

Right to Know: You have the right to learn how we collect, use, store, and share your personal information. You can obtain this information through this app or by contacting our customer service.

Right to Access: You have the right to access your personal information stored in this app. You can query and access this information through the app's settings or by contacting our customer service.

Right to Correction: If you discover that the personal information we collect and store is inaccurate or incomplete, you have the right to request that we correct or supplement it. You can submit a correction or supplement request through the relevant functions of this app or by contacting our customer service.

Right to Deletion: Where legally required, you have the right to request that we delete your personal information. For example, if the purpose for processing your personal information has been achieved, it is no longer necessary, or you have withdrawn your consent, you can submit a deletion request by contacting our customer service or by canceling your account in the app or on our website.

Right to Restrict Processing: In certain circumstances, you have the right to restrict our processing of your personal information, such as if you dispute the accuracy of your personal information or if our processing of your personal information is unlawful. You can request restriction of processing by contacting our customer service.

Right to data portability: You have the right to request that we provide you with your personal information in a structured, commonly used, machine-readable format, or provide your personal information directly to another data controller designated by you as required by law.

Right to withdraw consent: You have the right to withdraw your consent to our collection, use and processing of personal information at any time. After withdrawing your consent, we will no longer process your personal information based on that consent, but this will not affect the validity of the processing that has been carried out before the withdrawal. You can withdraw your consent through the settings function of this application or contact our customer service.

If you want to exercise the above rights, you can contact us through the contact information provided in this Agreement. We will respond within [5] working days after receiving your request and process your request in accordance with legal requirements and reasonable procedures. If you are not satisfied with our handling of the result, you can also complain to the relevant data protection regulator in Nigeria.

Protection of minors

Our services are intended for adults. If you are a minor, please stop using this application immediately. We will not intentionally collect personal information of minors. If we find that we have collected personal information of minors, we will delete the relevant information as soon as possible.

IX. Agreement Changes

We may change this Privacy Policy based on business development, legal changes, or other reasons. The changed agreement will be posted on this app and notified to you in an appropriate manner. Your continued use of this app constitutes your acceptance of the changed agreement. If you disagree with the changed agreement, you may cease using this app.

If you have any questions about this privacy policy, you can contact us in the following ways:

Company Name: SKIDDIEZ WORLD LIMITED

Customer Service Email: BengalSwift.work@outlook.com