This Privacy Policy delineates how "HANA MOTORS LIMITED" and its Affiliates gather, store, utilize, transmit, divulge, and safeguard your Personal Information.
CashNudge respect your privacy and are committed to protecting it through our compliance with this privacy policy (the "Policy"). This policy describes:
This Policy applies only to information we collect on the App and in email, text and other electronic communications sent through or in connection with the App.
Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not download, register with or use the App. By downloading, registering with or using the App, you agree to this Policy. This Policy may change from time to time (see Changes to This Policy). Your continued use of the App after we revise this Policy means you accept those changes, so please check this Policy periodically for updates.
Basic personal information:
Including name, gender, date of birth, marital status, etc.
Profession information:
Including job type and monthly income
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
Payment information:
Including the payment account information provided by the user himself and the account information used for payment.
Document information (needed when necessary):
A valid government-issued ID photo that proves the user's identity.
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.avkainfo.net. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
We collect information from and about users of the App directly from you when you provide information to us and automatically when you use the App.
What information do we collect?
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
To maintain security and prevent fraudulent activity, CashNudge requires access to your nationwide mobile network connection. This allows us to verify the authenticity of the device and protect your account from unauthorized access.
We collect important device specifications including:
This carefully curated small data set enables us to:
All information collected remains strictly confidential and is used only for these authorized purposes.
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
When you proceed with identity authentication, we will request access to your device's camera in order for you to take a selfie. This photo will be used solely for the purpose of verifying your identity and ensuring that the information you provide matches your real identity.
We will only activate your camera to capture a selfie during the identity verification process. Once you have reviewed and confirmed the selfie photo, it will be encrypted and securely uploaded to our server at https://www.avkainfo.net for analysis.
We are committed to protecting your personal information. Your selfie will be handled with strict confidentiality and will not be shared with any third parties. All data is stored securely and used exclusively for verification purposes.
We may collect the photos you choose from your device's photo album to assist you in selecting and uploading the appropriate identification images as part of your loan application process. These ID photos help us more accurately evaluate your credit risk profile and ensure a smooth verification experience.
In addition, your contact information will be securely uploaded to CashNudge's server at https://www.avkainfo.net. Please be assured that all your data will be encrypted, protected, and kept strictly confidential. It will not be shared with any unauthorized third parties.
We collect the contact information you manually select from your phone's address book, including the contact's name and phone number. This data is used to help you easily choose emergency contacts during your loan application process. It also enables us to reach out to these contacts when necessary for fraud prevention, identity verification, or debt recovery purposes.
This information plays a key role in helping us assess your overall credit status and manage risks related to customer identification and credit portfolio oversight. Your selected contact data will be securely encrypted and uploaded to CashNudge's server at https://www.avkainfo.net. We are fully committed to protecting your privacy — your information will be kept strictly confidential and never shared with unauthorized third parties.
Access to your device storage requires your permission, which will allow you to upload photos and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server (https://www.avkainfo.net) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
We collect limited data related to how you interact with our app, such as clicks, page views, app openings and closures. This information is solely used to improve app performance, enhance user experience, and ensure the security and stability of our services.
All behavioral data is anonymized and encrypted before storage. We strictly do not sell, share, or disclose this data to any third parties.
The Personal Information that we collect from you may be stored at, transferred to, or processed by third parties service providers. We will use all reasonable endeavor to ensure that all such third parties service providers provide a level of protection that is comparable to our commitments under this Privacy Policy.
Your Personal Information may also be stored or processed outside of your country by personnel who work for us in other countries, or by our third parties service providers, suppliers, contractors or Affiliates, to the extent permitted under Applicable law. In such a case, we will ensure that such Personal Information remains subject to a level of protection comparable to what is required under the laws of your country (and, in any event, in line with our commitments in this Privacy Policy).
Confidentiality of your Personal Information is of utmost importance to us. We will use all reasonable efforts to protect and secure your Personal Information against access, collection, use or disclosure by authorized persons and against unlawful processing, accidental loss, destruction and damage or similar risks. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your Personal Information, you acknowledge that we cannot guarantee the integrity and accuracy of any Personal Information which you transmit over the Internet, nor guarantee that such Personal Information would not be intercepted, accessed, disclosed, altered or destroyed by unauthorized third parties, due to factors beyond our control. You are responsible for keeping your Account details confidential and you must not share your password with anyone and you must always maintain the security of the Mobile Device that you use.
You have rights under data protection laws in relation to your personal data. These include rights to:
Request us to correct your personal data:
This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request deletion of your personal data:
This allows you to ask us to delete or delete personal data that we have no good reason to continue processing. You also have the right to ask us to delete or delete your personal data for which you have successfully exercised your right to object to processing (see below), where we may process your information unlawfully or where we need to delete your personal data to comply with local law. Please note, however, that due to specific legal reasons, we may not always be able to honor your removal request, and if applicable, we will notify you when you request it.
Object to processing of your personal data:
Where we are relying on a legitimate interest (or those of a third parties). You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
We may review and amend this Privacy Policy at our sole discretion from time to time, to ensure that it is consistent with our future developments, and/or changes in legal or regulatory requirements. If we decide to amend this Privacy Policy, we will notify you of any such amendments by means of a general notice published on the App and/or Website, or otherwise to your e-mail address set out in your Account. You agree that it is your responsibility to review this Privacy Policy regularly for the latest information on our data processing and data protection practices, and that your continued use of the App or Website, communications with us, or access to and use of the Service following any amendments to this Privacy Policy will constitute your acceptance to the amendments.
Our applications deliver services exclusively to individuals over the age of 18. If you are a minor, kindly avoid the usage of our mobile app. As seen above, we do not intentionally collect data from underage people. If you are a parent or a legal guardian of a minor who has accessed our phone app and services, please notify us about the happening by using our contact details.
If you have any questions about this Policy, the practices of the App or your dealings with the App, please contact us at:
Company Name: HANA MOTORS LIMITED
Phone Number: +233
E-mail: Cashnudgeghanaservice@outlook.com
Contact address: 95CW+Q5V, Tamale, Ghana