1. Introduction
GoCash is developed and operated by PROSPERITY ARCHIPELAGO LTD, Nigeria. As a data collector, PROSPERITY ARCHIPELAGO LTD ("we", "our") is committed to protecting and respecting your privacy. This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use the Services, and tells you about your privacy rights and how the law protects you.
We use your personal data to provide and improve the service. By accessing or using the Services, you consent to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, you may choose not to use our services.
2. Interpretation and definitions
2.1 Explanation
Words with the first letter capitalized have meanings defined under the following conditions. The following definitions have the same meaning whether they appear in the singular or the plural.
2.2 Definition
For purposes of this Privacy Policy:
Account means a unique account created for you to access our Services or portions of our Services.
Application means a Company-supplied software program called GoCash that you download on any electronic device.
Cookies are small files that a website places on your computer, mobile or any other device that contain details of your browsing history on the website and its many uses.
Country means: Nigeria
Device means any device that can access the Service, such as a mobile phone or tablet.
Personal data is any information relating to an identified or identifiable individual.
Services refer to applications or websites or both.
Service Provider means any natural or legal person who processes data on behalf of the Company. Refers to a third-party company or individual employed by the Company to promote the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.
Usage Data refers to automatically collected data, either generated through the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to GoCash, accessible at https://www.gocashx.space/
You means the individual accessing or using the Services, or, if applicable, the company or other legal entity accessing or using the Services on that individual's behalf.
3. Collection and use of your personal data
3.1 Personal data
When using our Services, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information includes:
l E-mail address
l First and last name
l gender
l Phone number
l Religion
l Address, state, province, zip code, city
l Bank Verification Number (BVN)
l Photos
l Date of birth
l Emergency contact phone number
3.2 Usage data
Usage Data is collected automatically when using the Services.
Usage Data may include your device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique devices, etc. Informational identifiers and other diagnostic data.
When you access the Service through a mobile device, we may automatically collect certain information, including but not limited to the type of mobile device you use, your mobile device unique ID, your mobile device's IP address, your mobile phone operating system, The type of mobile internet browser you use, unique device identifiers and other diagnostic data.
We may also collect information sent by your browser when you visit our Services or access the Services through a mobile device.
3.3 Information collected when using the application
When using our App, in order to provide the functionality of our App, with your prior permission, we may collect and synchronize:
Ad Tracking
Allows the app to access your IDFA information to track your product experience throughout the loan application process. This will allow us to improve your loan experience.
Place
This permission can access your current location information to verify that your loan application is within our service area.
Contact information
Allows the application to set up emergency contact numbers for new users during the loan application process. We will also upload and store your contact list data, including authorized contact names and phone numbers, for credit analysis purposes.
Calendar and Reminders
Allows the app to write repayment schedules to ensure you never miss a payment.
We use this information to provide our service features, improve and customize our service.
3.3.1. Device Permissions to Access Personal Data Depending on the user's specific device, we may request certain permissions to allow access to the user's device data, as described above.
By default, users must grant these permissions before they can access the corresponding information. Once permission is granted, the user can revoke it at any time. In order to revoke these permissions, the user can refer to the device settings or contact the owner for support via the contact details provided in this document.
The exact process for controlling app permissions may depend on the user's device and software.
Note that revoking such permissions may affect the proper functioning of the application.
3.4 Tracking technologies and cookies
We use cookies and similar tracking technologies to track activity on our Services and store certain information. Tracking technologies used include beacons, tags, and scripts to collect and track information and to improve and analyze our Services.
A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is sent. However, if you do not accept cookies, you may not be able to use certain parts of our Services. Our Services may use cookies unless you have adjusted your browser settings to reject cookies.
Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your personal computer or mobile device when you are offline, while session cookies are deleted as soon as you close your web browser.
We use session cookies and persistent cookies for the following purposes:
Necessary/Required Cookies
Type: Session Cookies Controlled by: Us Purpose: These cookies are essential to provide you with the services offered through the website and to enable you to use certain features of the website. They help authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services you have requested cannot be provided, and we only use these cookies to provide you with these services.
Cookie Policy/Notice Accept Cookies
Type: Persistent Cookies Administrator: Us Purpose: These cookies identify whether the user has accepted the use of cookies on the website.
Functional cookies
Type: Persistent Cookies Controlled by: Us Purpose: These cookies enable us to remember choices you make when you use this site, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personalized experience and avoid having to re-enter your preferences each time you use the website.
For more information about cookies, the information we use, and your choices regarding cookies, please visit our Cookie Policy or the Cookies section of our Privacy Policy.
4. Use of your personal data
The Company may use personal data for the following purposes:
Provide and manage
To retain our services, including monitoring the use of our services.
Manage your account: Manage your registration as a user of the Services. The personal data you provide allows you to access different features of the Services available to you as a registered user.
For the performance of a contract: the formation, compliance and commitment of the purchase contract for the products, items or services you purchase or any other contract entered into with us through the Services.
To contact you: To contact you by email, phone, SMS or other equivalent forms of electronic communication, such as push notifications on mobile applications regarding updates or information communications related to features, products or contracted services (including security updates) , implemented when necessary or reasonable.
To provide you with news, special offers and general information about other goods, services and events we offer that are similar to those you have purchased or inquired about, unless you choose not to receive such information.
Manage your requests: Attend and manage requests you make to us.
For business transfers: We may use your information to evaluate or effect a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as a result of bankruptcy, liquidation, or similar procedures in which personal data we hold about users of our services is among the transferred assets.
For Other Purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our services, products, services, marketing and your experience.
We may share your personal information in the following circumstances:
With service providers: We may share your personal information with service providers to monitor and analyze the use of our services and to contact you.
For business transfers: We may share or transfer your personal information in connection with, or during negotiations of, a merger with another company, sale of company assets, financing, or acquisition of all or a portion of our business.
With affiliated companies: We may share your information with our affiliated companies, in which case we will require these affiliated companies to comply with this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or are under common control with us.
With Business Partners: We may share your information with our business partners to provide you with certain products, services or promotions.
With other users: When you share personal information with other users or otherwise interact in public areas, such information may be viewed by all users and may be publicly distributed externally. If you interact with other users or register through a third-party social media service, your name, profile, picture, and activity description may be visible to your contacts on the third-party social media service. Likewise, other users will be able to view descriptions of your activity, communicate with you, and view your profile.
With your consent: We may disclose your personal information for any other purpose with your consent.
5. Retention of your personal data
The Company will only retain your personal data for as long as necessary for the purposes set out in this Privacy Policy. You have the right to request deletion of the data we have collected about you. However, we will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable law), resolve disputes, and enforce our legal agreements and policies.
Company will also retain usage data for internal analysis purposes. Usage Data is generally retained for a shorter period of time unless the data is used to enhance security or improve the functionality of our Services or we have a legal obligation to retain the data for a longer period of time.
6. Transfer of your personal data
Your information, including personal data, will be processed at the Company’s operating offices and at any other places where the parties involved in the processing are located. This means that this information may be transferred to and stored on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
Your agreement to this Privacy Policy and subsequent submission of such information constitutes your consent to that transfer.
The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and that your personal data will not be transferred to any third party.
organization or country unless there are adequate controls in place, including the security of your data and other personal information.
7. Disclosure of your personal data
7.1 Business Transactions
Your personal data may be transferred if the company is involved in a merger, acquisition or sale of assets. We will provide notice before your personal data is transferred and becomes subject to a different privacy policy.
7.2 Enforcement
In certain circumstances, the Company may be required to disclose your personal data if required to do so by law or in response to a valid request by a public authority (such as a court or government agency).
7.3 Other legal requirements
The Company may disclose your Personal Data in the good faith belief that such action is necessary to:
Comply with legal obligations Protect and defend the rights or property of the Company Prevent or investigate possible misconduct in connection with the Services Protect the personal safety of users of the Services or the public Protect against legal liability
8. Security of your personal data
The security of your Personal Data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.
9. Children's Privacy
Our Services are not directed to anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you know that your child has provided us with personal data, please contact us. If we discover that we have collected personal data from anyone under the age of 13 without parental consent, we will take steps to delete that information from our servers. If you believe we may have information from or about anyone under the age of 13, please contact us using the information provided in the "Contact Us" section below.
If we need to rely on consent as the legal basis for processing your information and you are in a country that requires parental consent, we may ask for your parental consent before collecting and using that information.
10. Links to other websites
Our Service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's website. We strongly recommend that you review the privacy policy of every website you visit.
We have no control over, and are not responsible for, the content, privacy policies, or practices of any third-party sites or services.
11. Your rights
You have rights in relation to your personal data under data protection law. These include the following rights:
A. Request access to your personal information Data (commonly referred to as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are processing it lawfully.
B. Request correction of the personal data we hold about you. This enables you to correct any incomplete or inaccurate data we hold about you, although we may need to verify the accuracy of new data you provide to us.
C. Request deletion of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us to continue processing it. If you have successfully exercised your right to object to processing (see below), we may be processing your information unlawfully or we are required to delete your personal data to comply with local law. Please note, however, that we may not always be able to honor your deletion request due to specific legal reasons, which we will notify you at the time of your request (if applicable).
D. Object to processing of your personal data where we are relying on legitimate interests (or those of a third party). You also have the right to object to our processing of your personal data for direct marketing purposes. In some circumstances we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
E. Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following circumstances: If you want us to establish the accuracy of the data ii. Our use of the data is unlawful but you do not want us to delete it iii. iv. When you require us to store data, even if we no longer require the data, because you require it for the establishment, exercise or defense of legal claims. you object to us using your data but we need to verify that we have an overriding legitimate reason to use your data
F. To request the transfer of your personal data to you or to a third party. We will provide your personal data to you or a third party you have chosen in a structured, commonly used, machine-readable form.
rmat. Please note that this right only applies to automated information where you initially consented to our use or where we use the information to perform a contract with you.
G. Where we rely on consent to process your personal data, you can withdraw your consent at any time. However, this will not affect the lawfulness of any processing that took place before you withdrew your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. If this happens, we will notify you when you withdraw your consent.
If you wish to exercise any of the above rights, please contact us using the information provided in clause 13
We endeavor to respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or if you have made multiple requests. In such event, we will notify you and keep you updated.
In addition to your existing rights under applicable law, if you would like to raise concerns about any breach of this Privacy Policy, you may contact us at support@prosperityarchipelago.cc.
12. Changes to this Privacy Policy
We may update our privacy policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will notify you via email and/or a prominent notice on our Service before the changes take effect, and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Your continued use of the Services after we make changes will be deemed acceptance of those changes.
13. Contact us
If you have any questions about this Privacy Policy, you can contact us:
Via email: support@prosperityarchipelago.cc
contact us
8, LAKE CHAD CRESCENT, MAITAMA, FCT, NIGERIA
+234 09061979448