Introduction

Last Updated: 12/12/2025

This Privacy Policy describes how CediGo ("we", "us", or "our") collects, uses, stores, and shares information when you use the CediGo mobile application and related services. By downloading, registering, or using the app you agree to the collection and use of information as described in this policy.

1. Information We Collect

To provide lending services and protect the security of our platform, we may collect the following categories of information.

1.1 Personal Information

  • Full name
  • Phone number
  • Government-issued ID information
  • Bank account or mobile money account details required for disbursement
  • Basic profile information provided during registration

1.2 SMS (with your permission)

With your explicit consent, we may access SMS metadata and content relevant to financial transactions including sender, transaction amount, and other financial information. You can revoke this permission at any time through device settings.

Purpose: identity verification, transaction verification, credit/risk assessment, fraud detection.

We do not read or collect unrelated personal messages.

1.3 Device Information

  • Device model, brand, and system version
  • Resolution information, Advertising identifiers

Purpose: account security, fraud prevention, performance optimization and analytics.

1.4 Advertising Attribution

We use privacy-preserving advertising attribution provided by the Android system to measure ad performance. This helps us understand how users discover our app and improve our marketing efforts. The attribution data is processed in a privacy-preserving manner and does not include personally identifiable information.

Purpose: Measuring advertising effectiveness and optimizing marketing campaigns.

1.5 List of Installed Apps (App List)

We may access the list of installed apps on the device, including app name, package name, installation time, update time, and version number.

Purpose: credit risk modeling and fraud detection. We do not collect app content or personally identify your app usage beyond presence/absence for risk scoring.

1.6 Location Information (Coarse / Approximate)

We may collect approximate location data (for example, city or region derived from network/IP or coarse location permission). You can revoke this permission at any time through device settings.

Purpose: Verify your location, anti-fraud analysis, credit assessment.

1.7 Camera Access

With your permission the app may access the device camera for the explicit purpose of: uploading identity documents, performing face verification and capturing photos required for the loan application. Photos are only uploaded when you actively take or select them.

2. How We Use Your Information

We use collected information for the following legitimate purposes:

  • Processing loan applications and disbursing funds
  • Identity verification and KYC compliance
  • Credit and risk assessment
  • Fraud detection and prevention
  • Repayment management and sending repayment reminders
  • Customer support and dispute resolution
  • Legal or regulatory compliance
  • Improving our services and product analytics

3. Data Sharing and Disclosure

We do not sell or rent your personal data. We may share necessary personal data only with:

  • Licensed financial partners and payment processors for fund disbursement and collection
  • Third-party risk and fraud prevention service providers under strict confidentiality agreements
  • Regulatory or law enforcement authorities when required by law
  • Service providers who assist us in operating the app (e.g., hosting, analytics) under contractual privacy obligations

4. Data Security and Storage

We implement technical and organizational safeguards to protect your data:

  • Data Encryption: We use industry-standard encryption technologies to protect your personal information. All data transmitted between your device and our servers is encrypted using Transport Layer Security (TLS) protocols (HTTPS). Sensitive data stored on our servers is encrypted at rest using advanced encryption algorithms. This ensures that your personal and financial information remains secure and protected from unauthorized access.
  • Access control and authentication for internal systems
  • Regular security reviews and vulnerability management
  • Data retention only as long as necessary for business or legal purposes

5. Your Rights

You have rights regarding your personal data (subject to local law and our legal obligations):

  • Access the personal data we hold about you
  • Request correction or update of inaccurate information
  • Withdraw consent for specific permissions (e.g., SMS access) — note some features may stop working
  • Request deletion of your account (subject to outstanding loan obligations and legal retention requirements)
  • Request details of data sharing and third-party recipients

To exercise these rights, contact us via the contact options below.

6. Data Retention and Deletion

We retain your personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with legal and regulatory requirements, and to resolve disputes or enforce our agreements.

  • Account and identity information is stored as long as your account remains active and as required by applicable financial regulations.
  • Loan and transaction records are retained for the period required by financial, tax, and anti-money laundering laws.
  • SMS, device, app list, and location data used for risk assessment are retained only for internal risk control and compliance purposes.

If you request account deletion, we will securely delete or anonymize your personal data after your loans are fully settled, unless we are legally required to retain certain information.

7. Children's Privacy

We do not provide services to users under the age of 18. If we discover any user under the age of 18 attempting to use our services, we will immediately terminate their access and delete any information collected.

8. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will publish the updated policy in the app and on this webpage. Continued use of the app after changes constitutes acceptance of the updated policy.

9. Contact Us

If you have questions, requests or complaints about this Privacy Policy or how we process personal data, contact us:

Request Account Deletion