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Privacy Policy

Updated Date: May 13, 2025

Effective Date: Feb 1, 2021

Introduction

LinkCredit products and services are provided by ERIC VSTA LIMITED. This Privacy Policy is legally binding. Users should read it carefully before using LinkCredit services. If you disagree with any part of this policy, you should cease using our services immediately. Access to location, camera, and microphone permissions requires your express authorization before activation.

I. Basic Definitions

Personal Information
Various types of information recorded electronically or otherwise that can identify a natural person alone or in combination with other information, including but not limited to name, date of birth, identification number, biometric data, address, telephone number, and similar data.
Personal Sensitive Information
Personal information that, if disclosed or illegally used, may easily lead to harm to the personal dignity of a natural person or endanger personal and property safety, including biometric data, religious beliefs, specific identities, medical health, financial accounts, and whereabouts.
Affiliates
Entities that control, are controlled by, or are under common control with ERIC VSTA LIMITED, where control means the ability to direct or cause the direction of management and policies of an entity.
De-identification
The process of processing personal information so that the subject of personal information cannot be identified without the aid of additional information.
Anonymization
The process of processing personal information so that the subject of personal information cannot be identified and the processed information cannot be restored.

II. Personal Information Collected

We collect the following categories of personal information to provide and improve our services:

  • Basic Information: Name, identification documents, phone number, and email address.
  • Work Information: Employment details and work-related data provided by users.
  • Location Data: Geographical location information collected with your consent.
  • Device Information: Device model, operating system, unique device identifiers, and network information.
  • Financial App Data: Information from financial applications relevant to service provision.
  • User Behavior Analytics: Activity and interaction data collected through AppsFlyer and Firebase analytics platforms.
  • Device Technical Data: Hardware specifications, operating system version, IMEI, and other technical identifiers.
  • Location Tracking: Precise location data obtained via GPS, WLAN, and Bluetooth technologies.
  • App Interaction Data: Information about how users interact with the application and its features.
  • Camera Access: Camera data used for facial recognition and liveness detection for identity verification purposes.

III. How Personal Information Is Used

A. Basic Functions

  • Authentication: Phone number and email address are required for user identity verification and account access.
  • Security Inspection: IP address, device ID, hardware information, and operating system details are used to ensure platform security and prevent unauthorized access.

B. Service Optimization

  • Face recognition technology for identity verification and compliance requirements.
  • Geographical location data for regulatory compliance and service localization.
  • Financial information for credit assessment and service provision.
  • Service optimization through analysis of user experience and platform performance.
  • App interaction analysis via AppsFlyer to improve user experience and marketing effectiveness.
  • Installed applications list for device environment assessment.
  • Device information for fraud prevention and risk management.

IV. Cookies and Similar Technologies

LinkCredit uses cookies, web beacons, and flash cookies to optimize user experience, remember preferences, analyze usage patterns, and improve our services. These technologies help us understand how users interact with our platform and enable us to provide a more personalized and efficient service.

V. Information Sharing, Transfer, and Disclosure

General Principle: We do not share your personal information with third parties without your authorization.

When sharing is necessary, we adhere to the following principles:

  • Authorization and Consent: Your explicit consent is obtained before sharing personal information.
  • Legitimacy and Necessity: Information is only shared when there is a legitimate and necessary purpose.
  • Prudence and Diligence: We exercise due care and caution when evaluating sharing partners and purposes.

Function-Enabling Sharing:

  • Account registration services including SMS verification through authorized providers.
  • Third-party login integration for user convenience.
  • Location services for geographically relevant features.
  • Information sharing with affiliates within the corporate group.
  • Processing supporters and SDK providers who assist in service delivery.

Transfer: In the event of a merger, acquisition, or asset sale, your personal information may be transferred to the successor entity, subject to continued protection under this policy.

Public Disclosure: We will only publicly disclose your personal information with your explicit consent.

Statutory Exceptions: We may share, transfer, or disclose personal information without consent when required for national security, public safety, crime investigation, or other circumstances prescribed by law.

AppsFlyer: User activity data may be shared with AppsFlyer for analytics and attribution purposes.

VI. Personal Information Storage

Personal information is stored domestically within secure servers. Any cross-border transfer of personal information will be conducted in strict compliance with applicable laws and regulations.

Your personal information is retained for as long as you maintain an active account on the platform. Upon account termination, your personal information will be deleted or anonymized within a reasonable period, unless retention is required by law.

VII. Personal Information Protection

We have established a comprehensive data security system incorporating industry-standard encryption technologies to protect your personal information.

  • Transport layer security (TLS/SSL) for data in transit.
  • Strict permission controls limiting access to authorized personnel only.
  • De-sensitization methods applied to personal information in non-essential use cases.
  • Security incident response procedures with notification to affected users within 10 days of a confirmed breach.

VIII. User Rights

You have the right to access and correct your profile data at any time through your account settings.

You may request deletion of your personal information when:

  • Our processing of personal information violates applicable laws or regulations.
  • We collected or used your information without obtaining proper consent.
  • Our processing constitutes a serious violation of our agreement with you.
  • You have cancelled your account on the platform.
  • The company permanently ceases provision of its services.

IX. Policy Amendment

We may amend this Privacy Policy from time to time. Reasonable notification will be provided for any substantial amendments through in-app notifications, email, or other appropriate channels. Your continued use of LinkCredit services after such notification constitutes acceptance of the amended policy.

X. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us at:

Email: contact@linkcredit.ng

We will respond to your inquiry within 15 days of receipt.

XI. Miscellaneous

This Privacy Policy applies within the Federal Republic of Nigeria. In the event of any inconsistency between translated versions of this policy, the Nigeria version shall prevail.