Privacy Policy

PRIVACY POLICY

This Privacy Policy delineates how "NECTAR MICRO-CREDIT LIMITED" store, utilize, transmit, divulge, and safeguard your Personal Information. By using the Service, you consent to the privacy practices described in this policy.

This Privacy Policy is incorporated into and is subject to the Terms of Use. Capitalized terms that are not defined in the Privacy Policy have the meaning given to them in the Terms of Use.

USER CONSENT

By creating an Account and using our service , you expressly consent and confirm to Omanpesa collecting, maintaining, using, processing and disclosing your Sensitive Personal Data or Information and other Information in accordance with the terms set out in this Privacy Policy. If you do not agree with this Privacy Policy in its entirety, you must not use this app or products and/or services provided on it. If you have any questions or comments regarding this Privacy Policy, please contact us info

PERSONAL DATA GENERATED DURING INTERACTION

1. Basic personal information:
Including name, gender, date of birth, marital status, etc.

2. Profession information:
Including job type and monthly income

3. Contact information:
The data selected or filled in by the user from the address book, including the relationship with the contact, the contact name and the contact number

4. Payment information:
Including the payment account information provided by the user himself and the account information used for payment.

5. Document information (needed when necessary):
A valid government-issued ID photo that proves the user's identity.

6. Face information (needed when necessary):
User's own personal selfie

The above interactive information is an important basis for your loan application review. This information will be safely retained in our server and will not be shared with third parties. You can also choose to delete your personal user data.Your face information will be encrypted and transmitted to https://www.omansika.online/. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.

DATA COLLECTED FROM DEVICES

During your use of the Mobile App, we will collect such Information from you when you provide to us including but not limited to the below mentioned: Sensitive Personal Data or Information/Personal Information that you provide to us while interacting with us such as

A.SMS

What information do we collect?

a. After obtaining your authorization for SMS access, we only collect financial-related data from SMS messages.(This data includes: SMS message content, sender, recipient, and time of sending and receiving.)

b. We use keyword filtering and sent to https://www.omansika.online. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.

c. Omanpesa will not read and collect your SMS data when the app is closed or not in use.

Why do we request your device's SMS data?

We analyze financial data in user SMS messages to assess their debt, financial status, and financial activities, thereby assessing their credit and financial status. This serves as a crucial source of information for our anti-fraud and credit assessment efforts.

Data security

a. SMS data of users is filtered by keywords, and we only collect data related to financial activities. We do not collect private information.

b. We will fully disclose and declare SMS data to users before collecting SMS data, and we will collect SMS data only after users have authorized SMS permissions

c. Your SMS data will be encrypted and sent to https://www.omansika.online . After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.

B.DEVICE INFORMATION

To maintain security and prevent fraudulent activities, Omanpesa requires access to your nationwide mobile network connectivity. This allows us to verify device authenticity and protect your account from unauthorized access.

We collect essential device specifications including:

Hardware details (model, OS version, screen dimensions, system language)

Performance metrics (RAM capacity, storage space)

Unique identifiers (serial number, SSAID)

Network connectivity information (Wi-Fi status, mobile network details)

This carefully limited dataset enables us to:

• Enhance your credit evaluation process

• Develop accurate risk assessment models

• Maintain the highest security standards for your transactions

All collected information remains strictly confidential and is used solely for these authorized purposes.

C.CONNECTED NETWORK APP INFOMATION

What data we will collect

We will collect information about network-connected applications on user devices, including a list of applications that obtain INTERNET permissions, a list of applications that obtain ACCESS_NETWORK_STATE permissions, and the names, package names, versions, and other information of the applications in the list.

Why we request ?

We collect information about apps that obtain specific permissions on user devices. This information is intended to help us identify apps that are used to damage applications and potentially for anonymization and fraud, using the principle of least privilege. (For example, Fake GPS: fake location Super Clone: cloning software)

Data safety

a. We use the official and secure PackageManager API interface provided by Android and only used to identify third-party, non-system apps on the device that have been granted specific permissions (INTERNET, ACCESS_NETWORK_STATE). This feature is used for risk management and device environment assessment and does not involve user privacy or behavioral analysis.

b. The retrieved app list data will be GZIP compressed (using the gzipString() method) and encrypted for transmission to https://www.omansika.online/ and ensure data security.

c. Omanpesa will never share your data with any third party. Data collection will only occur with your consent.

D.CAMERA

When you authenticate your identity, we will ask you to take a selfie photo by calling your device's camera. We will upload your selfie photo to our server for identity verification.

We will only ask you to take a selfie with the camera when you authenticate your identity. We will also only upload the only selfie photo you have confirmed to our https://www.omansika.online/ server after encryption.Your data will be protected and kept confidential.

E.STORAGE

To facilitate your loan application, we request access to your device storage solely for uploading required photos/documents. Key safeguards:

1. Controlled Access

Enabled only with your explicit permission

Limited to application-related file uploads

2. Advanced Protection

All data encrypted end-to-end

Securely transmitted via HTTPS to: https://www.omansika.online/

3. Strict Confidentiality

Files are stored in isolated member servers

Absolute non-disclosure to third parties

Immediate purging upon request

F.CONTACTS IN YOUR ADDRESS BOOK

We collect the contacts you select in your phone book, including the contact's name and phone number. The above information will help you select emergency contacts in your loan application and allow us to contact them when necessary to prevent fraud and monitor debt collection. This will enable us to better assess your credit status and manage our identification and credit portfolio management risks. We will upload your contact information to Omanpesa's server (https://www.omansika.online/), and your data will be protected and kept strictly confidential.

G.PHOTO ALBUM

We will collect the photos you select in the photo album, which will help you choose the corresponding ID photos to upload in your loan application. This will enable us to better assess your credit risk profile. We will upload your contact information to Omanpesa's server (https://www.omansika.online/), and your data will be protected and kept strictly confidential.

USER BEHAVIOR DATA COLLECTION

We only collect data related to your interactions within the app, such as screen clicks, browsing behavior, app launches, and closures. This information is strictly limited to service-related activities and is essential for helping us analyze user patterns, optimize app performance, detect potential issues, and enhance the overall user experience.

To protect your privacy, all collected behavioral data is anonymized and securely encrypted before storage or processing. This ensures that the data cannot be traced back to you personally. We do not—and will never—sell, rent, or share this data with any third parties under any circumstances. Your trust and data security are our highest priorities.

INFORMATION WE COLLECT AUTOMATICALLY

There is certain Information that we collect automatically as the result of your use of the App. This Information includes but is not limited to: The Internet Protocol (IP) address of the device from which you access the App.

INFORMATION FROM OTHER SOURCES

Omanpesa allows you to sign up and log in using your Google account. If you sign up using Google, Google will ask your permission to share certain information from your Google account with Omanpesa. This includes your information like your email. This Information is collected by Google and is provided to us under the terms of Google’s privacy policy.

How we share, transfer and publicly disclose your personal information

1. We may disclose to or share with Affiliates and other parties your Personal Information for any of the following purposes as well as for such other purposes as are permitted by Applicable Law (although we will in each such case always act reasonably and disclose or share no more Personal Information than what is required for the particular purpose):

where required or authorised by Applicable Law (including but not limited to responding to regulatory enquiries, investigations or directives, or complying with statutory or regulatory filing and reporting requirements), for the purpose so specified in that Applicable Law;

where there is any form of legal proceeding between you and us, or between you and another party, in connection with, or relating to the Service, for the purposes of that legal proceeding;

in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing or acquisition of all or a portion of our business by or into another company, for the purposes of such a transaction (even if the transaction is eventually not proceeded with);

where we share your Personal Information with third parties (including Credit Reference Bureaus, Banks, Mobile Network Providers, collection agencies，our agents, vendors, suppliers, contractors, partners and any others who provide services to us, perform functions on our behalf, or whom we collaborate with), for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), which may include allowing such third parties to introduce or offer products or services to you, or other conducting activities including marketing, research, analysis and product development;

where we share Personal Information with Affiliates, we will only do so for the purpose of them helping us to provide the App or to operate our business (including, where you have subscribed to our mailing list, for direct marketing purposes), or for the purpose of them conducting data processing on our behalf. For example, our Affiliate in another country may process and/or store your Personal Information on behalf of our group company in your country. All of our Affiliates are committed to processing the Personal Information that they receive from us in line with this Privacy Policy and Applicable Law;

where we publish statistics relating to the use of the App and the Service, in which case all information will be aggregated and made anonymous; and

when we believe in good faith that disclosure of your Personal Information is necessary to comply with Applicable Law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our Terms of Use;

2.Where it is not necessary for the Personal Information disclosed or shared with other parties to be associated with you, we will use reasonable endeavours to remove the means by which the Personal Information can be associated with you as an individual before disclosing or sharing such information.

3.Other than as provided for in this Privacy Policy, we may disclose or share your Personal Information if we notify you of this in advance and we have obtained your consent for the disclosure or sharing.

How We Use Your Personal Information

1 .Your information is harnessed to enhance our services and elevate your interaction with Sunlit Loan. It enables us to:

a. Deliver, enhance, protect, analyze, bill for, and provide support for our products and services.

b. Communicate pertinent details regarding your services, products, or applications.

c. Promote our products and services.

d. Undertake research initiatives.

e. Detect and prevent fraudulent activities.

f. Conduct advertising endeavors.

j. Undertake research initiatives.

2. Consequently, we are authorized to:

a. Maintain records of the products and services you utilize or order.

b. Provide product or service information (such as order confirmations and service-related notifications).

c. Facilitate the creation and access of online accounts managed by us.

d. Execute charges and ensure the seamless receipt of your payments.

e. Disseminate information to others (if necessitated by the products or services you've ordered), or relay it to another communication provider in case you purchase specific services from them and us.

3 .The collected information will be employed to assess the provision of financial services or products to customers, evaluate associated risks, and establish relevant terms and conditions for said services or products.

4. We may engage a third-party payment service provider or payment processing company to facilitate payment processing, fund transfers to operational or user accounts, manage payments, and offer supplementary products and services. Consequently, your information might be disclosed to such third-party payment service providers.

5. When you procure products or services from us, subscribe to our newsletters, respond to surveys or marketing communication, browse our website or Omanpesa, or register for an online account, the collected information might be utilized in the following ways:

a. Customizing your experience to align with your preferences.

b. Requesting ratings and reviews for services or products.

c. Managing contests, promotions, surveys, and site features.

d. Enhancing the functionality of our website/application to better serve you.

e. Facilitating follow-ups after communications (live chat, email, or phone inquiries).

f. Improving our ability to cater to your customer service requirements.

6. Additionally, we rely on the following information to deliver products, services, and manage your account:

a. Your contact details and other pertinent information for identity confirmation and communication purposes. This encompasses your personal data and relevant credentials.

b. Your payment and financial data.

c. Records of your communication with us, including emails, web chats, and phone calls. Furthermore, your chosen communication settings and preferences will be recorded.

d. We may require information from cookies placed on your connected device to facilitate the provision of our services.

7. In the event that we possess a good-faith belief that disclosure is reasonably essential for the enforcement of any stipulated terms, conditions, or this Policy, or for aiding in the deterrence, identification, investigation, or prosecution of criminal activities or fraud, we may divulge your personal information to local or international law enforcement personnel, regulatory bodies, or government agencies.

8. We will employ your data for the compilation of statistical insights related to our user base, financial products, or services. These aggregated insights might be disclosed to third parties for analytical purposes, with the assurance that such data will remain perpetually anonymous.

Access and Correction of Personal Information

We will retain your personal information for the duration required to fulfill the objectives outlined in this Privacy Policy or as mandated by applicable laws.

Where We Store Your Personal Information

1. The Personal Information collected from you might be stored, transferred, or processed by third-party service providers. We are committed to taking all reasonable measures to ensure that these third-party service providers adhere to a protection level consistent with our commitments stated in this Privacy Policy.

2 .Additionally, your Personal Information might be stored or processed beyond your country's borders, either by our personnel located in other countries or by our third-party service providers, suppliers, contractors, or Affiliates. This will be conducted to the extent permissible by applicable laws. In such instances, we guarantee that your Personal Information remains subject to a safeguard level equivalent to the stipulated requirements under the laws of your country. This assurance is in line with the commitments set forth in this Privacy Policy.

3. The App and Website could feature links to websites operated by third parties. We do not exercise control and are not liable for these websites or the data collection, utilization, maintenance, sharing, or disclosure practices of such third parties. Please refer to the terms, conditions, and privacy policies of these third-party websites to understand how they gather and employ your Personal Information.

Children’s Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers. If you believe we may have information from or about anyone under the age of 18, please contact us using the information provided in the ‘Contact Us’ section below.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

7.Changes to This Privacy Policy

We reserve the right to update this Privacy Policy periodically. Any modifications will be communicated by posting the revised policy on the App.

Third-Party Websites

1. The App and Website could feature links to websites operated by third parties. We do not exercise control and are not liable for these websites or the data collection, utilization, maintenance, sharing, or disclosure practices of such third parties. Please refer to the terms, conditions, and privacy policies of these third-party websites to understand how they gather and employ your Personal Information.

2. Advertisements on our App or Website operate as links to the advertiser's website. Consequently, any data collected upon clicking these links will be subject to collection and utilization by the respective advertiser, as outlined in their privacy policy.

Liability and Limitation

Our liability for any breach of this Privacy Policy is confined within the scope allowed by law.

Confirmation and Consent

Through your usage of the App, you verify that you have read and comprehended this Privacy Policy. You hereby provide your consent for the collection, utilization, and disclosure of your personal information as delineated herein.

Contact Us

If you have any feedback, questions or concerns, please send an email