PRIVACY POLICY

In order to protect the privacy of our clients, this Privacy Policy (the "Privacy Policy") is a document that aims to inform you how TYONEX NIGERIA LTD, regulates the processing of information and personal data of users who access the application and / or website (hereinafter, collectively, the "Platform"), whose ownership corresponds to ONEX LOAN.

This Privacy Policy is incorporated into and subject to the Terms and Conditions. With the aim of keep our customer informed PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES HOW THE COMPANY OR ITS SUPPLIERS ("ONEX LOAN") COLLECT, STORE, SECURE AND USE YOUR PERSONAL INFORMATION. YOU AGREE TO THIS PRIVACY POLICY BY VISITING OUR PLATFORM OR USING ANY OF OUR SERVICES THROUGH THE PLATFORM. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MAY NOT USE THE SERVICES.

YOUR CONSENT AND PERMISSION

By visiting and download of ONEX LOAN mobile application ("App") or the ONEX LOAN website ("Website") (collectively, the "Platform") and making use of the services provided by us, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Platform Terms and Conditions. For purposes of this Privacy Policy, users of the Services may be customers/consumers, or any other person who uses the Services or accesses our Platform ("user" or "you" or "your").

It is important that If you do not agree with this Policy or any part of it, please do not use or access our Platform or any part of it.

When you accept this privacy policy, you consent to such collection, use, storage, processing and disclosure as set forth in this Privacy Policy and the Terms and Conditions. This Privacy Policy is subject to change at any time without notice. You are responsible for regularly reviewing this Privacy Policy to be aware of any changes.

ONEX LOAN is committed to protecting your privacy. Information received by ONEX LOAN will only be used to provide the service to you and will not be shared with any third parties or third-party service providers, except as described in this Privacy Policy.

TREATMENT AND OUR RESPONSIBILITY REGARDING YOUR PERSONAL DATA

It is stipulated from the Privacy Policy, (hereinafter the "ONEX LOAN"), domiciled at (East Legon, Accra, Ghana) is responsible under the terms of the regulations for the collection, storage, disclosure and use, including access, management, transmission or deletion of your personal data it collects and, in general, for all personal data we collect from our users (hereinafter the "Data Controller(s)").

PERMITS REQUESTED

Here are the requested permissions, please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

1. Device information

ONEX LOAN will collect information about your login device, whether you use a mobile login account or a web login account. Your device information will be used to identify you as the basis for determining whether the login is performed by you. We will try our best to reduce the use of your name login behavior, to ensure that your rights and interests are not infringed. The information we will collect includes mobile phone signals, some hardware device information, system information, hardware identification codes, network devices, etc. We will do our best to ensure the security of the transmission of the above information, and guarantee that your information will not be passed on to any third party.

2. Personal information

ONEX LOAN will collect the personal information you submit, such as your registered mobile phone number, your name, gender, birthday, ID number, residential address, e-mail address, education, job type, etc. We need this information to create a separate profile for you and as the basis for your credit report. From time to time, we will ask you to confirm the correctness of your information. If your information changes, please update it.

3. Contact

ONEX LOAN will collect your contact list information, including name and phone number. We only use this data to analyze the personal credit profile of your contacts and to prevent credit fraud on your behalf. At the same time, you will have a better experience when filling out information. After you consent to the authorization, we will transfer your data via an encrypted interface. We guarantee that your data will not be shared with any third parties. If you refuse, you can still use our APP normally, but your loan application may fail. After the authorization is granted, you can disable the authorization in rights management. If you want to delete your contact data, you can contact us to do so.

4. Camera

ONEX LOAN requires your phone's camera permissions so that you can take photos directly when you submit your profile. Our business process is completely paperless and you will submit the necessary information in the form of photos or images. This is an important step in KYC and will save you a lot of time. We will ensure the security of your information, unless necessary for business (such as credit inquiries, etc.), otherwise we guarantee that we will not pass the collected information to any third party in any way.

5. Other data

We inform you that ONEX LOAN will obtain your Personal Data, either directly or indirectly, when you make an application and provide your Personal Data to obtain credit services from ONEX LOAN, through our website. native Android application ("App").

ONEX LOAN undertakes to process your following Personal Data with the aforementioned means:

I.Identification Data

II.b) Contact data

III.c) Occupation data

IV.d) Financial data

V.e) Personal data

VI.f) Purchase data

VII.g) Information about your cell phone and/or Apps. Including, without limitation, information related to your wireless service, including: (i) operator; (ii) service payments, additional services and/or balance recharges for wireless service or additional services; (iii) consumption habits; (iv) cell phone make and model; and (v) Apps.

This data may be used to evaluate the credit information you request, verify your identity, evaluate and rate your creditworthiness for risk management.

Third Party Information

We may collect information about you from a limited number of third parties, In the course of using our services, such as credit bureaus and other identity verification and fraud prevention services. This information we collect from such third party sources is governed by their privacy policies as agreed with those sources and with your express consent. ONEX LOAN will never share data with third parties without your permission. It will only be collected with your consent. The data will be transferred and uploaded over a secure connection (https://www.tyonex.online). We use this data to create your profile, assess your creditworthiness and prevent loan fraud so that we can provide you with the best services available.

Security

Data is transferred and uploaded over a secure connection (https://www.tyonex.online) to the server: https://www.tyonex.online, All transmissions are protected by 256-bit SS-bit SSL encryption.

Log Data

We would like to inform you that whenever you use our Service, in the event of an app failure, we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as:  , the time and date of your use of the Service and other statistics, your device's Internet Protocol ("IP") address, device name, operating system version, app settings when you use my Service.

Cookies

Cookies are files containing a small amount of data that are commonly used as anonymous unique identifiers. They are sent to your browser from the websites you visit and stored in the internal memory of your device.

This Service does not use these cookies explicitly. However, the application may use third-party code and libraries that use cookies to collect information and improve its services.

Important, you have the option to accept or decline these cookies and to know when a cookie is being sent to your device. If you choose to reject our cookies, you may not be able to use parts of this service.

Service Providers

This is the following reasons why we may employ third party companies and individuals:

To facilitate our Service; to provide the Service on our behalf; to perform services related to the Service; to help us analyze how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Data. The reason is to perform the tasks assigned to them on our behalf. However, they are obliged not to disclose or use the information for any other purpose. Link to the privacy policy of the third-party service providers used by the app:

·Google Play Services

·Google Analytics for Firebase

·Appsfly

·Facebook

Security Precautions

We implement reasonable physical, administrative and technical security measures to help us protect your personal information from unauthorized access, use and disclosure. Our platform intends to protect your personal information and maintain its accuracy as confirmed by you. For example, we encrypt all sensitive personal information when we transmit it over the Internet. We also require our registered service providers to protect such information from unauthorized access, use and disclosure.

Our platform has strict security measures in place to protect the loss, misuse and alteration of the information under our control.  We combine multi-step security within our products with the latest technology to ensure that our systems maintain strong security measures.We strive to safeguard and ensure the security of the information provided by you. We use Secure Sockets Layers (SSL) encryption for the transmission of information.

i.We seek to protect from unauthorized access, alteration, disclosure, or destruction of the information we hold, including:

ii.We review our information collection, storage and processing practices, including physical security measures, to prevent unauthorized access to our systems;

iii.We use encryption to maintain the privacy of your data while in transit;

iv.We offer security features such as OTP verification to help you protect your account;

v.We restrict access to personal information to our employees, contractors and agents who need that information to process it. Anyone with such access is subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to comply with these obligations;

vi.Compliance and cooperation with applicable laws and regulations;

vii.When we receive formal written complaints, we respond by contacting the person who has filed the complaint. We work with the appropriate regulatory authorities to resolve any complaints regarding the transfer of your data that we are unable to resolve with you directly.

viii.We periodically review this Privacy Policy and ensure that we process your information in a manner that complies with it.

DELETION AND RETENTION OF DATA

We retain information about you to provide you with a smooth experience, to contact you in case you need assistance and about your account, to detect, mitigate, prevent and investigate fraudulent or illegal activities. ONEX LOAN is committed to protecting your personal data against unauthorized access, misuse and disclosure by using appropriate security measures depending on the type of data and how we process

Your information is retained for as long as necessary to provide you with our services. We may also retain and use your personal information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements. Notwithstanding the provisions of this paragraph, we may delete your data if you reasonably request us to do so in writing. However, important to know that you may not be able to use our services after deletion.

RIGTHS

We will use your data to compile statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information is always anonymized. If we wish to use your data for marketing purposes, we will inform you before doing so. You will have the right to prevent that use by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You may also exercise the right at any time by contacting us at onexloan@tyonex.loan .

OUR CONTACT

If you have any questions or suggestions about this Privacy Policy, please feel free to contact us:

E-mail: onexloan@tyonex.loan

Office hours: Monday to Saturday from 8:30 a.m. to 5:00 p.m.

Address:  KM 22 LASU/Ojo Rd, Egan, Igando-Ikotun LGA, Lagos.

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