At LendMe, we view the issue of privacy seriously. This privacy policy is to inform you regarding the use of your personal information which is collected during your visit to our website via mobile app or otherwise. This Privacy Policy relates to the collection, use and disclosure of Personal Data by LendMe ("BE RESOURCES LIMITED using the trademark of "LendMe" and the "Wallet Insignia", hereinafter referred to as "Lender", "We" or "Our"). Personal Information is information relating to an individual ("Borrower", "You" or "Your"). Lend Me respects your privacy and complies with all Nigerian Laws regarding the collection and protection of consumer data. By clicking the Continue or Accept button or any other icon indicating agreement, or using any of our services, that indicates agreement with this Privacy Policy.

This Privacy Policy describes our policies and procedures for the collection, use and disclosure of personally identifiable information about you ("Personal Information") and other information about you that may not be considered Personal Information (collectively with Personal Information, "Your Information"), on any of our websites, such as www.mylendme.co (and any successor site), its subdomains and all related content (the "Site"), mobile applications, features, and other services offered by us (collectively with the Site, the "Services") and through other interactions and communications you have with us. Please read this Privacy Policy carefully to understand our policies and practices regarding Your Information and how we will treat it. When you use the Services, you are consenting to the collection, transfer, storage, manipulation, processing, disclosure and other uses of Your Information as described in this Privacy Policy. This Privacy Policy covers the treatment of Your Information that is collected, transferred, stored, disclosed, or otherwise used by us in any way when you are using or accessing our Services.

We may collect and process the following data about you: Information we may collect and process from you include those you provide to us whilst filling in forms in the App or on our Site(s), provided by corresponding with us; provided by registering to use our Site, downloading or registering the App, subscribing to any of our Services (such as applying for a loan), searching for an app or Service, sharing data via the App's social media functions, entering a competition, promotion or survey, and reporting a problem with the App, our Services, our App Site or any of Our Service Sites. This information may include your name, address, email address and phone number, the Device's phone number, SIM card details, age, username, password and other registration information, financial and credit information (including your mobile money account details, bank account details, and bank verification number, where applicable), personal description and photograph. Collected Information The information that we receive and collect about you is information that is required for the purposes of our services, this may include any of the following depending on the consent that you have provided to us: your name, email address, phone number, any other contact details, government or other identity documents, date of birth, gender, employment, educational background, pictures, location, weblogs, device-specific data (such as your hardware model, operating system version, unique device identifiers, other communication data (which may include information stored on your device, like contact lists, phone state, precise location, calendar events), details of your use of our services and a record of your consent to our collection of such information. Information that is collected may include information that is considered "sensitive" Personal Information (or any equivalent term for a protected sub-set of Personal Information) under the relevant privacy laws in your jurisdiction. By Downloading and Using any of our services, you consent to our automatic collection of data relating to your location via GPS Technology or other location services. You can withdraw your consent to our collection, processing or use of this information at any time by logging out and uninstalling the App from your Device. Unique Application Numbers We may receive information on the type of operating system, Unique Application number and installation information when you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site, or Service Sites. To Provide you with a good experience when you visit the Website or use the App or browse any of the sites and also allows us to improve the App and Our Sites, we make use of cookies Statistical or aggregated information does not directly identify a specific person, but it may be derived from your PII. For example, we may aggregate PII to calculate the percentage of users in a particular area. How Is Your Information Used? Information collected by us shall be used to determine the prospective customers credit worthiness and for the purpose of determining whether or not to provide a loan application to the customer, the amount of such loan and the terms and conditions applicable to such loan. - develop credit risk models and perform risk assessment;
- detect and prevent fraud;
- verify information that you have provided;
- gain insights on your behavior patterns and interests;
- provide you with information and respond to inquiries or other communications from you;
- provide, administer, improve and develop our Services
- conduct statistical and market analysis; and
- satisfy any other legitimate business purposes, including handling any complaints and retaining information as necessary to meet our obligations under applicable laws and regulations.
We may also use anonymized data for the purposes of improving our Services. If you would like more information on when we will share Your Information with a Client or Third Party, please read the details in the "Disclosure Of Your Personal Information" section below.
We use high end encryption technology to transmit customer data from their devices to our servers. Additional safeguards have been implemented to ensure safe data storage, tier level access control to access customer information plus constant update with the use of best in class technology to ensure customer information safety at all times. In the course of transmission of the data, we may need to the following: Personal information verification- To confirm as much as possible that the customer who has supplied the information is who he said he is without any further misrepresentation or posing as someone else for the purpose of obtaining a loan. To determine eligibility using various data footprints available to determine eligibility criteria including willingness and ability to pay. General account maintenance and customer account activity transmission in the ordinary course of business. Your onboarding process may include the use of tokens from online social media accounts which may include but are not limited to Facebook, Instagram, email accounts etc. Disclosure Of Your Personal Information During the course of the transaction, your information may be shared with third party providers who we will engage to create a better user experience, credit verification, recovery of outstandings in the unlikely event of default, transportation of payment and related online services. We are bound to disclose personal information in the ordinary course of business as detailed below: Enforcement of a court order- Includes but not limited to arbitration, task force, court tribunal, financial regulator, enforcement agency, exchange body, tax authority, or any other authority (including any authority investigating an offence) or their agents, or other parties with which the Nigerian government could have signed a treaty. Third parties offering facilitation services or business advisory services (tax and audit consultants, management consultants etc) and by extension their own staffs who may have been engaged by us. While trading in financial instruments like Bonds, Commercial Papers and other forms of financial instruments created to further liquidity including issuing of shares, recapitalisation. At LendMe, we value your privacy and strive to maintain transparency in how we handle your data. Upon your request for account deletion, we will promptly erase all personal and sensitive information associated with your account. However, there are certain categories of data that we may retain for specific purposes outlined in this policy.

1. Anonymized Usage Data: We may retain aggregated and anonymized usage data that helps us analyze app performance, identify trends, and enhance user experience. This data cannot be linked back to individual users and does not compromise your privacy.
2. Transaction History: If you have engaged in transactions within the app, we may retain transaction records for accounting and compliance purposes. These records are securely stored and are not accessible for any other purpose.
3. Security and Fraud Prevention: In order to ensure the security of our app and protect against fraudulent activities, we may retain certain data that aids in identifying and preventing unauthorized access or misuse.
4. Legal Compliance: We may retain data as required to comply with legal obligations, regulatory requirements, or court orders.
5. Communication Records: If you have interacted with our customer support or provided feedback, we may retain communication records to improve our services and assist you effectively in the future.
Please be assured that any data retained beyond account deletion will be safeguarded with the same level of diligence as your personal information. We will never use retained data for purposes other than those outlined in this policy. If you have any questions about our data retention practices, please feel free to contact us at help@lendme.co