KudiGo Privacy Policy

Effective Date: See the latest version release date

About Us

Welcome to KudiGo! This application is operated by VENBENCARE LTD (Registered address: 4, ABIODUN ROAD, OJODU BERGER, LAGOS STATE, NIGERIA). We understand the importance of your personal information to you and are committed to processing your information in a transparent and secure manner in strict compliance with the Nigeria Data Protection Act and relevant laws and regulations. This Policy explains how we handle your personal information in the course of providing our services, as well as the control rights you hold.

Before using KudiGo, please be sure to carefully read and understand the entire content of this Policy. By starting to use our services, you acknowledge that you have fully understood and agreed to the terms of this Policy. If you do not agree to any terms, please do not use this application.

How to Permanently Delete Your Account?

We offer multiple convenient channels for account deletion. You may choose the option that best suits your needs:

• Via the App: Log in to KudiGo, go to the "My" page, then tap "Account Settings" → "Delete Account". Follow the instructions to complete identity verification and submit your request.
• Via the Official Website: Visit https://www.venbencareltd.space, click the "Delete Account" button in the upper right corner of the page, and follow the prompts.
• Via Email: Send an email from your registered email address to venbencare@outlook.com. Use "Account Deletion Request" as the subject line, and provide your registered mobile number or username in the email body to facilitate identity verification.

We will process your request promptly upon receipt. After your account is deleted, your personal information will be anonymized within 24 hours.

Protection of Minors

KudiGo provides services only to adults aged 18 years or older. We do not knowingly collect personal information from minors. If we discover that information from a minor has been mistakenly collected, we will delete it immediately.

Policy Updates

We may revise this Policy from time to time in response to changes in laws, regulations, or business operations. The updated version will be notified to you via in-app pop-ups, in-app messages, or your registered contact information. If you continue to use our services, you will be deemed to have agreed to the updated Policy; if you do not agree, you have the right to delete your account and stop using the services.

To provide you with stable and secure loan services, we collect necessary information in the following scenarios:

What Information We Collect？

Registration and Identity Verification

When you create an account or apply for a loan, we need to verify your identity. You are required to provide your real name, BVN (Bank Verification Number), mobile number, residential address, employment information, income details, and bank account information for receiving funds. This information is essential for completing loan review and fund transfer processes.

Risk Assessment and Anti-Fraud

To ensure transaction security and prevent fraudulent activities, we collect the following information for risk assessment purposes:

• Device-related Information: Including device model, operating system version, unique identifiers such as IMEI, and the list of applications installed on your device (limited to applications you have actively downloaded from app stores). This information helps us identify unusual devices or high-risk software environments.
• Location Information: We collect the approximate geographic location of your device (based on IP address or mobile network) to facilitate localized services and assist in risk control assessments.

SMS Information

To protect your account security, assess credit risk, and prevent fraudulent activities, this application needs to read SMS content on your device (only those SMS messages containing the following keywords). The details are as follows:

• Purpose of Access： To identify financial transaction information related to you for risk assessment, anti-fraud, and SMS delivery rate analysis.
• Keyword Extraction： The following keywords will be automatically extracted from SMS messages to assist in assessing your financial status: LAIRA, KASH, Provision, WALLET, LEND, DEBT, MONI, Net Capital, REDI, LOAN, FUND, Duration, MONEY, CASH, PAY, NAIR, FINANCE, DUE
• Information Processing Method： SMS messages are processed locally on the device for keyword matching and risk assessment, encrypted and transmitted to servers for anti-fraud analysis.

We will NOT read any SMS content unrelated to financial services

Emergency Contact

To enable communication regarding loan-related matters when we are unable to reach you directly, we may require you to provide an emergency contact. This information will only be used for necessary communications related to loan services, and we commit not to use it for any unrelated purposes.

How We Use Your Information

We use your personal information only to the extent necessary for the following purposes:

• Providing Services: Completing core business processes such as identity verification, credit assessment, loan approval, fund disbursement, and repayment management.
• Ensuring Security and Compliance: Monitoring account irregularities, preventing fraudulent activities, money laundering, and other illegal acts, as well as responding to compliance requirements from regulatory authorities.
• Improving User Experience: Analyzing user behavior to enhance product features and improve service stability.
• Sending Necessary Notifications: Pushing important information to you, such as repayment reminders, service changes, and system maintenance notices.
• Personalized Recommendations (Requires Authorization): If you have not opted out, we may present you with more suitable loan products or promotional offers based on your borrowing history and repayment habits.

How We Protect Your Information

We implement reasonable and industry-standard security measures to protect your personal information, including but not limited to:

• Transmission Encryption: All data is transmitted via encrypted protocols such as HTTPS to prevent interception or tampering during network transmission.
• Access Control: We strictly restrict internal personnel's access to user information, granting access only to authorized employees who require it for legitimate purposes.
• Storage Security: Your information is stored on servers located within Nigeria. We employ multiple protection mechanisms to prevent data breaches or loss.
• Retention Period: We retain your information only for as long as necessary to fulfill the purposes outlined in this Policy. After your loan is fully repaid, your personal information will be anonymized within 7 days. If you delete your account, the relevant information will be deleted or anonymized within 24 hours.
• Cross-Border Transfer: Currently, all data is stored within Nigeria. Should any future business needs require data transfer outside Nigeria, we will obtain your explicit consent in accordance with applicable laws and ensure that the recipient provides a level of protection equivalent to our own.

What Rights Do You Have Regarding Your Information

Under applicable laws, you have the following rights regarding your personal information. To exercise these rights, please contact us using the information provided at the end of this Policy:

• Access and Rectification: You have the right to understand what personal information we have collected about you and to request corrections to any inaccurate or incomplete information.
• Deletion and Account Cancellation: You may apply to delete your account or request the deletion of your personal information at any time. We will process such requests in accordance with applicable laws, unless legal retention requirements apply.
• Withdrawal of Consent: For information processing activities based on your consent (such as SMS read authorization), you may withdraw your consent at any time by disabling the relevant permissions in the app settings. Withdrawal of consent does not affect the lawfulness of processing conducted prior to such withdrawal.
• Restriction or Objection to Processing: Under certain circumstances, you have the right to request that we suspend the processing of your personal information, or to object to processing based on our legitimate interests.

How to Contact Us

If you have any questions or suggestions regarding this Policy, or need to exercise your rights related to personal information, please feel free to reach out to us through the following channels. We will respond within 15 business days.

Company Name: VENBENCARE LTD

Office Address: 4, ABIODUN ROAD, OJODU BERGER, LAGOS STATE, NIGERIA

Contact Number: +234 8084988713

Email: venbencare@outlook.com

Service Hours: Monday to Friday, 9:00 AM – 6:00 PM (Nigeria Time)

Dispute Resolution

The formation, execution, and interpretation of this Policy shall be governed by the laws of Nigeria. Any dispute arising from this Policy shall first be resolved through friendly negotiations. If negotiation fails, either party may submit the dispute to the competent court in the Company's domicile for resolution.

VENBENCARE LTD