Privacy Policy Vibe Cash Stable

Welcome to the Vibe Cash Stable Privacy Agreement. This APP is developed by Ripley Nigeria Limited. Please read the following privacy agreement carefully. Please note that this privacy agreement only applies to Vibe Cash Stable.

We provide you with two loan options: personal loan and payday loan to meet your urgent needs. We will push the appropriate loan method for you based on the information you fill in and your personal credit. The amount and repayment days involved in the two methods may be different. Thank you for your understanding and support

This privacy policy has been compiled to better serve those who are concerned with how their “Personally Identifiable Information” (PII) is being used online. PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. By visiting Vibe Cash Stable , also referred to “our site”, you are accepting the practices described in this policy. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website and app.

What personal data we collect and why we collect it

Your Information

You may give us information about you by completing forms on our site, app, by allowing us to access your information on social media sites or by corresponding with us by phone, e-mail or otherwise. This includes information on app login, applying for a loan and activity on social media. The information you give us may include your name, current and previous address, e-mail, phone number, social networks data, financial information, personal status information, employment information, educational status, contacts and family information, applications and messages.

The following information is collected/shared/transmitted whenever you use the app or visit our website:

Personal information：

When you use this app, we need to obtain your personal information, personal information includes:

Your name, bank card information, BVN number, your emergency contact number, your work situation, your address, etc. The purpose of obtaining this information is to evaluate your personal credit situation in order to provide you with better products and customize loan products and limits for you.

We will not share this information with any third party, and we will not process the information without your permission. The information data will be encrypted and uploaded to a dedicated server: https://apix.vibecash.store

Location：

After you use the app and allow us to locate, we may obtain your real-time location information, including latitude and longitude, regional location, etc. The purpose of obtaining your location information is to ensure the security of funds, and when you register an account, identify the authenticity of your location. This is for security reasons. We will not share this information with any third party. If you do not allow it, we will not do any processing on the information. The information data will be encrypted and uploaded to a dedicated server:https://apix.vibecash.store

Camera:

When you fill in personal information, we may apply for your camera permission or album permission. The purpose of doing so is for you to choose to take photos of your identity information on site or upload pictures from the album for verification of your identity authenticity and evaluation of your creditworthiness. We will not share this information with any third party. If you do not allow it, we will not do any processing on the information. The information data will be encrypted and uploaded to a dedicated server:https://apix.vibecash.store

Calendar:

We will obtain your calendar permissions, and with your permission, we will use this calendar information to develop exclusive and better repayment plans for you, as well as specify message notifications for you. This information will not be shared with any third party, and we will not process the information without your permission. The information data will be encrypted and uploaded to a dedicated server: https://apix.vibecash.store

Application List:：

We collect information related to the list of applications installed on your mobile device, including the package name, installation time, update time, version name, and version code of each installed application.

We use your mobile application list to evaluate whether there is fraud and hidden virus software in your operating environment. Illegal software may steal your funds through virus intrusion. We need to identify and analyze your risk level to process loans and help prevent fraud, as well as to assess whether the device is a device for illegal persons to maliciously apply for loans multiple times, which will affect your personal credit.

Please note that we do not monitor, read, store or share any data. Only with your explicit consent will we encrypt the text message content, upload and transmit it to our secure network environment: https://apix.vibecash.store

Contact:

When you fill in your personal information, we need you to provide several contact information of your friends or family members to verify your credit and help you complete the loan application process. With your consent, this will serve as key information for your credit score and reduce financial risk. We will not process the information and the information data will be encrypted and uploaded to a dedicated server: https://apix.vibecash.store

Device：

We will obtain your device information. Collect and monitor specific information about your device, including your device name, model, region and language settings, device identification code, device hardware and software information, status, usage habits, unique Device ID symbols (such as IMEI and serial number), to uniquely identify the device and ensure that unauthorized devices do not act on your behalf to prevent fraud. We will not process the information, and the information data will be encrypted and uploaded to a dedicated server: https://apix.vibecash.store

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

We use cookies for tracking purposes only. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, some features will be disabled. That makes your site experience more efficient and may not function properly.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Data

How we use your data

We may use the information we collect from you in the following ways:

To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested;

To provide products, services, and information regarding your request;

To create a credit score based on your information;

To notify about recent changes in the product or services provided;

To follow up with them after correspondence (live chat, email or phone inquiries).

dedicated server:https://apix.vibecash.store

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service. We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice.

Your contact information

We collect information from you when you enter it on our site or our app.

How we protect your data

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user asks for a loan, submits data, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Industry regulatory disclosure requirements

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Your right to protect your personal data

You have the following rights with respect to your personal data:

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 your personal data for which you have successfully exercised your right to object to processing (see below), where we may process your data 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 party). 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 data which override your rights and freedoms.

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 the transfer of your personal data to you or a third party. We will provide you or a third party of your choice with your personal data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated data for which you originally consented to our use or we use that information to contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent we may not be able to provide certain products or services to you. We will advise you, if this is the case, at such time when you withdraw your consent.

You can submit your request to us through our customer service email or WhatsApp, we will reply to you as soon as possible, and we will process it within 14 working days after verifying that it is your own will.

Sharing and Disclosing

A.Lending/collection partners

We contract with Lending/Collection Partners to facilitate the provisioning of the services offered by such Lending Partners to you on VibeCash Ultra . We will only disclose such data to our Lending Partners that is necessary for you to use our services and those offered by the Lending Partners. We contractually bind our Lending Partners to prevent them from using/disclosing your Personal Data, except for the purpose of providing the services opted by you, however, we cannot be held responsible for the actions of the Lending Partners.

B.Affiliates and third party service providers

We will only share personal data with other companies or individuals in the following limited circumstances:

a.We have your consent.

b.We provide such data to other trusted businesses or persons for the purpose of processing personal data on our behalf. We require that these parties agree to process such data based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

c.We have a good faith belief that access, use, preservation or disclosure of such data is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable terms of service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property or safety of VibeCash Ultra , its users or the public as required or permitted by law.

If you no longer wish to allow us to share your Personal Data with the Third Party Service Providers, please contact us at Creditnaira4@gmail.com.

Please contact our Data Protection Officer at Creditnaira4@gmail.com.com if you have any questions regarding this Privacy Policy or if you would like to obtain access and/or make corrections to your Personal Information. VibeCash Ultra has been approved and authorized by FCCPC (Federal Competition & Consumer Protection Commission).privacy-policy