Disclosure of Permissions
At tariLoan, and in full compliance with the Data Protection and Privacy Act, transparency and the protection of your personal data are our highest priorities. We require certain device permissions to assess creditworthiness and to process loan applications smoothly. All data we collect is used only for legitimate service purposes, transmitted securely, and stored in encrypted form. We will never disclose your information to third parties without your explicit consent except where required by law.
We ask for specific permissions so we can:
•Verify identity and reduce fraud.
•Build accurate and fair credit models.
•Speed up loan application review and decisioning.
•Protect your account and the integrity of the lending process.
If you choose not to grant optional permissions, you may still be able to use parts of the app; however, refusal of certain permissions required for credit assessment may prevent your loan application from being approved.
Purpose (primary): anti-fraud and risk assessment. We request access to your coarse location (approximate latitude and longitude, typically at city or district level) to detect suspicious access patterns and reduce fraud risk. Specifically, coarse location helps us:
•Identify whether an application originates from a high-risk or restricted geographic area (risk control zones).
•Detect anomalies such as frequent location jumps, simultaneous logins from distant places, or access from regions known for fraudulent behavior.
•Correlate typical borrower behavior (e.g., usual city/region of activity) with an application to flag unusual activity for further review.
•Improve our automated risk scoring and decision rules so legitimate applicants receive faster decisions while fraudulent attempts are blocked sooner.
What we collect and when
•Approximate latitude and longitude (coarse level — not precise GPS coordinates).
•Timestamp of the location sample.
•Device network region inferred from the location sample (city/region).
•We only request coarse location on specific screens where it is needed for credit assessment (permission page and the homepage credit request page). If you decline, you will be guided to enable it in your device settings — without enabling it, you may be unable to proceed with credit/granting decisions.
How location data is used
•Aggregated into risk models (no single location point is used in isolation).
•Compared against historical patterns for the same device/account to detect deviations.
•Used to block or flag transactions from known high-risk areas in real time.
Data minimization & retention
•We collect only the minimum location accuracy required for risk assessment (coarse/approximate rather than precise GPS).
•Location data collected for a loan application is retained only as long as necessary for the purposes described (fraud detection, risk modeling, regulatory compliance, and legitimate business use). Specific retention periods are governed by internal policy and applicable law; you may request details or deletion per your data rights.
Security & storage
•All location data transmitted to our servers is encrypted in transit and at rest.
•Location data is stored on our secure servers: https://jiadotpookopzu.tariloan.com/qkvtxvhntp
•Access to stored location data is restricted to authorized personnel and systems for the explicit purposes described above.
User control & consent
•You must grant coarse location permission to enable credit evaluation features that depend on it. If you decline, you can still use other non-credit features of the app, but credit cannot be granted until the permission is enabled.
•We will request location permission on the permission screen and again on the credit request page. If you refuse, the app will explain how to enable it in settings and the consequences for credit eligibility.
•You can withdraw location permission at any time via your device settings. Withdrawing permission may prevent the completion of any pending or future credit applications.
As part of the loan application process, we will request that you provide information for two emergency contacts. This requirement is standard industry practice to help us:
•Verify the authenticity of your application and strengthen identity confirmation.
•Support risk management and fraud prevention by ensuring submitted details are consistent and accurate.
•What we collect
•Full name of each emergency contact.
•Mobile phone number.
•Relationship with you (e.g., family member, friend, colleague).
•How this data is used
•Never used for marketing or unrelated communication.
•Not shared with third parties outside of the circumstances already outlined in this privacy notice (e.g., legal compliance, fraud detection, service provision).
•Emergency contact information is encrypted and stored securely on our servers ( https://jiadotpookopzu.tariloan.com/qkvtxvhntp).
We collect technical device information only to secure accounts, detect fraudulent or automated behavior, and support risk assessment during a loan application. This data is collected when you proceed with a loan application and is used solely for these purposes.
Types of device data collected
1.Device identifiers & hardware details baseBandVersion, brand, modelNo, manufacturer, board, hardware, product, fingerprint, serialNo
2.Operating system & software versions osName, osVersion, kernelVersion, versionCode, versionName
3.CPU & performance metrics cpuMaxFeq, cpuMinFeq, cpuCurFeq, cpuCoreNumber, cpuName, cpuAbi, availableMemorySize, totalMemorySize
4.Unique identifiers androidId, gaId, imei, imeiOriginal, msi
5.Development & environment flags isDevelopMode, isSimulator
6.Display & environment brightness, screenWidth, screenHeight
7.Locale & time defaultLanguage, timeZone
How device data is used
•Detect unusual or automated device behavior (e.g., emulators, rooted or jailbroken devices, developer modes).
•Strengthen fraud detection (devices exhibiting tampering or simulator signatures are flagged).
•Improve decision accuracy in credit models by correlating device integrity with known risk signals.
Data minimization & retention
•We collect only the fields needed for security and risk assessment stated above.
•Device data related to a loan application is retained in line with legal requirements and our retention policy; you can request information on retention periods or deletion through our privacy request channels.
Security & storage
•All device data is encrypted during transmission and at rest on our servers: https://jiadotpookopzu.tariloan.com/qkvtxvhntp .
•Access controls and logging are in place so that only authorized staff and systems may access device data for permitted operations.
To help detect network-based anomalies and enhance security, we collect limited network metadata during loan applications, such as:
•NetworkCountryIso, networkOperator, networkType, simCountryIso, simOperator, simOperatorName, isNetworkingRoaming, wifiSsid, wifiBssid, wifiRssi, macAddress, ipInfo.
How we use this data
•Detect suspicious network conditions (e.g., unusual roaming patterns or known malicious IPs).
•Correlate network signals with location and device data to improve fraud detection.
•Monitor and respond to suspicious activity in real time.
Security & storage
•Network metadata is transmitted and stored securely on our servers: https://jiadotpookopzu.tariloan.com/qkvtxvhntp .
•We do not use network metadata for any purpose beyond security, fraud prevention, and credit risk assessment without obtaining additional consent.
•Encryption: All data we collect is encrypted using industry standard methods both in transit and at rest.
•On-device vs. server: If you do not proceed with a loan application, certain collected data may remain only on your device and not be uploaded. Data required for a submitted loan application will be uploaded to our secure servers only for the purposes described above.
•Sharing: We may share data in narrowly defined cases: With group companies and affiliates to improve services. With service providers who assist in credit processing, risk detection, and related services (under contractual confidentiality and security obligations). With legal authorities when required by law. With security partners for fraud prevention as necessary for legitimate risk management.
•Your rights: Subject to applicable law, you may have the right to access, correct, restrict processing of, or request deletion of your personal data. Contact us via the in-app support channels or the privacy contact information in the app to exercise your rights.
We use collected information to:
1.Confirm identity and validate application authenticity.
2.Build and refine credit models for fair decisioning.
3.Offer tailored financing solutions and pricing.
4.Manage loan servicing, collections, and repayments.
5.Detect, prevent, and investigate fraud and security incidents.
By using the tariLoan app and enabling the permissions requested in the app, you consent to the collection, use, and sharing of your data as described in this notice. We are committed to protecting your privacy and keeping your data secure. If you have questions about this notice or want to exercise your privacy rights, please contact our support through the app.
All collected data described above is stored and secured at: https://jiadotpookopzu.tariloan.com/qkvtxvhntp .
— TariLoan Privacy Team
1. DEFINING
All capitalized phrases in this Privacy Policy, unless otherwise specified, will imply the same things as those stated in our conditions of use (where applicable).
2. PERSONAL INFORMATION WE ACQUIRE
The following data is collected each time you use the app or go to our website:
2.1 Cookies may be used to automatically collect certain information each time you visit our website or use the App. Cookies are small program files stored on your mobile device or computer. To enhance the user interface and experience, we employ cookies to monitor user behavior. You can alter the settings on your device or browser to either block specific cookie types or prevent cookies from being used at all, even though the majority of mobile devices and web browsers accept cookies. Additionally, you can delete any previously saved cookies using your browser or mobile device. However, this may have an impact on the functionality of our website or application.
2.2. To use the service, the customer must send in their call and SMS logs, images, videos, and other digital assets. Please supply the technical details and unique identifiers of your mobile device, such as its IMEI number, MAC address, and phone number, along with the mobile network, operating system, mobile browser type, and desired time zone.
3. APPLYING THE PERSONAL INFORMATION WE GET
The following uses of the personal information we have collected are allowed under current law:
3.1 Your personal information may be used for the following purposes:
3.1.1 recognizing you, adding you to the user base, and handling your credit and account status;
3.1.2 We reserve the right to do any necessary checks prior to registering you as a user.
3.1.3 to collect service fees and make loan payments;
3.1.4 must follow all applicable laws, regulations, and guidelines, with particular emphasis to those pertaining to anti-money laundering and "know-your-customer" guidelines.
3.1.5 to contact you and provide you with information regarding the application;
3.1.6 to notify you of any service modifications or app enhancements;
3.1.7 to address and resolve the queries and remarks you have submitted;
3.1.8 to modify, test, upgrade, and improve the software to better suit the user's requirements and preferences;
3.1.9 in order to accomplish the objectives specified in this Privacy Policy and the Terms of Use, to contact you via text message (SMS), or messages that are pre-recorded or auto-dialed, as appropriate;
3.1.10 to gather and analyze demographic and user data, including usage trends and patterns of the software; and
3.1.11 to send you direct marketing messages that emphasize the specifics of special deals and rewards.
3.2 In addition, we may use your personal information for the following general objectives, even though we pledge to act responsibly and use no more personal information than is necessary for the particular purpose in each case:
3.2.1 to perform pertinent business duties and processes;
3.2.2 monitoring the program's usage and enhancing, preserving, and managing its performance, usability, and utility;
3.2.3 to address and resolve any issues or malfunctions related to the application's functionality;
3.2.4 the generation of anonymized statistics and analytics data for investigation, evaluation, and testing throughout the product development process;
3.2.5 to investigate, expose, and put an end to any unlawful, dishonest, prohibited, or undesired action;
3.2.6 to help us and/or any of our Affiliates conduct asset sales, mergers, and acquisitions as well as other business asset transactions; and
3.2.7 All applicable laws, regulatory standards, evaluations, and recommendations must be followed in the performance of our obligations. This covers audit assessments, due diligence, and investigations.
4. A COMPILATION OF THE PERSONAL INFORMATION GIVEN TO US
4.1 We reserve the right to share or disclose your personal information with Affiliates and other parties for any of the following reasons, as well as for any other purposes permitted by relevant law, such as the Nigeria Data Protection Act, 2023. But we'll always act properly and only share personal information that's necessary to achieve the stated goal:
4.1.1 for the objectives specified in the applicable law, in accordance with its provisions (including but not limited to responding to questions, investigations, or directives from the appropriate authorities and meeting legally mandated filing and reporting obligations);
4.1.2 Should the Service be impacted by a lawsuit involving you, us, or any other party;
4.1.3 financing, asset transfers, mergers, consolidations, reorganizations, or acquisitions of all or a portion of our business by or into another business, even if the agreement is still in the works;
4.1.4 In the event that third parties—including banks, mobile network providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and any other individuals who work for us, manage our business, or are involved in it—provide your personal information to third parties in order to assist us (if applicable) or to communicate with us. This could be accomplished by allowing other parties to market or sell your goods or services, as well as to do research, analysis, and product development on your behalf.
4.1.5 We will not give any Affiliates access to personal information unless they are processing data on our behalf, are required to assist us in operating our business, or are delivering the App (including direct marketing if you have subscribed to our mailing list). We pledge to handle the Personal Information we provide to our Affiliates in a way that complies with this Privacy Policy and all applicable legal requirements.
4.1.6 If we disclose usage statistics for both the App and the Service, all data will be aggregated and anonymized.
4.1.7 In order to investigate any terms of service violations, report suspected criminal activity, protect you or others, or fulfill other legal obligations, we may need to share your personal information;
4.2 To the greatest extent possible, we will eliminate any chance that the information could be connected to you in particular before sharing or exchanging it with other parties.
4.3 We may share or disclose your personal information with third parties not covered by this privacy statement if you have consented and given us advance notice.
5. TRANSNATIONAL TRANSFER OF PERSONAL INFORMATION
While you are using any of our services, your personal information may be sent, stored, used, and processed in a jurisdiction that is different from your home country or the jurisdiction of the nation, state, or city in which you are currently situated ("Alternate Country"). Information may also be transmitted to servers, service providers, and colleagues of Our group, as well as to companies associated with Our group that are situated overseas.
Should such a circumstance emerge, we will make certain that the relevant personal data is safeguarded to the extent required by Nigerian law (and, in any case, in accordance with our obligations under this Privacy Policy).
By filling out this form, you consent to the transfer of your personal data in the ways listed below, regardless of whether the transfer occurs in your nation of residence.
6. PERSONAL INFORMATION PROTECTION
Your personal information will be retained for as long as necessary to fulfill the purpose for which it was collected or as long as permitted by the applicable laws. As soon as it is reasonable to believe that the purpose for which your personal information was collected is no longer being satisfied and that it is no longer required for legal or financial reasons, we will either stop retaining it or remove the means by which it can be connected to you.
7. PERSONAL INFORMATION UPDATES AND RECTIFICATIONS
7.1 To seek access to and/or correction of your personal information that is under our control, use the information below. In the event that the requests meet all applicable legal requirements, an administrative fee may be assessed.
7.2 We reserve the right to deny requests for access to or correction of any or all of your personal information that we may have, as required or permitted by law. The Personal Information may contain references to other individuals, or someone may request access or a change for reasons that we believe are unwarranted, burdensome, or unconnected.
8. THE LOCATION OF YOUR PERSONAL INFORMATION
8.1 Third-party service providers may process, transmit, or retain the personal data we collect from you. We'll exert every effort to guarantee that all third-party service providers abide by the privacy guidelines specified in this policy.
8.2 Our affiliates, contractors, overseas workers, third-party suppliers, and service providers may retain or process your personal information outside of your country, to the extent permitted by applicable laws. We guarantee that the pertinent Personal Information will be protected in this case, to the maximum degree permitted by the laws of your country and, in any case, in compliance with our obligations under this Privacy Policy.
9. SAFEGUARDING YOUR PERSONAL INFORMATION
Our first objective is to safeguard the privacy of your personal information. We will take every care to prevent unauthorized access, acquisition, use, or disclosure of your personal information, as well as unintentional loss, erasure, or damage. Regretfully, there is no assurance that any data transmitted via the Internet will be secure. We cannot guarantee that any personal information you provide online will be accurate and current, or that unauthorized individuals won't intercept, access, disclose, change, or remove it, even with our tightest security measures in place. We hope this email reached you. This is the result of external factors. You are responsible for preventing password breaches, ensuring the security of your mobile device, and safeguarding the privacy of your account information.
10. DATA ERASING AND RETAINMENT
For as long as it takes to accomplish the objectives for which it was collected—such as meeting legal, financial, tax, and reporting obligations—your data will remain on file. When determining the appropriate retention period for personal data, consideration is given to the volume, nature, sensitivity, potential harm from unauthorized use or disclosure, the reasons for processing the data, whether those purposes can be achieved through other means, and any applicable legal, regulatory, tax, accounting, or other requirements.
We discovered that:
(1) Your financial information will be retained for a maximum of six years following the date of your most recent transaction, or longer if it falls within the retention period specified below, as permitted by relevant laws, including anti-money laundering obligations.
(2) All relevant data, including transactional and personal data, will be permanently deleted six years from the cancellation date. In connection with our relationship with you and/or your use of the Services, we may retain your personal information for an extended period of time if there are reasonable grounds to suspect that a lawsuit or other regulatory enforcement action is imminent, or if there is a complaint.
11. CHANGES TO THIS STATEMENT OF PRIVACY
This privacy statement is subject to periodic review and updating by us to ensure that it accurately reflects our current practices and any changes resulting from evolving legal or regulatory obligations. If we decide to make changes to our privacy statement, we will either release a general notice on the website or the app. You are aware that it is your responsibility to review our Privacy Policy on a regular basis in order to be informed about our security and data processing procedures. If you continue to use the App or Website, contact us, or access and use the Service after this Privacy Policy has been modified, you will be considered to have accepted the changes.
12. LANGUAGE
The English version of this privacy statement will be utilized if there are any discrepancies between it and the other language versions.
13. ACKNOWLEDGMENT AND ACCEPTANCE
13.1 By agreeing the Privacy Policy, you attest that you have read, comprehend, and agree to all of its terms. By signing this document, you consent to the collection, use, disclosure, storage, transfer, and processing of your personal information in accordance with the terms of this privacy policy.
13.2 You demonstrate that you have obtained the consent of others, such as your spouse, family, friends, or emergency contact, by granting us authorization to collect, use, disclose, and process the information on their behalf.
13.3 Furthermore, you explicitly grant us permission to contact you and your emergency contact (if they have granted us permission) to verify your information in the event that we are unable to contact you in any other manner or if your loan payment has not been received.
13.4 You may withdraw your consent to the collection, use, or sharing of your personal information at any time by providing us with a reasonable written notice using the information below. Additionally, you can withdraw your consent for us to send you specific communications and information by using the "unsubscribe" or "opt-out" option detailed in our correspondence with you. You acknowledge and accept that, depending on the specific circumstances and the type of permission you are withdrawing, you may not be able to use the App or specific Service features following the withdrawal. If you withdraw your consent, we may terminate your account and our commercial relationship. In this instance, all accrued rights and responsibilities shall be completely upheld. We will promptly inform you of the potential repercussions if you request to withdraw your consent for the collection, use, or disclosure of your personal information. You will then have an opportunity to change your mind about accepting or rejecting.
14. MARKETING AND PROMOTION OF CONTENT
14.1 We may send you marketing and promotional communications by mail, phone, short message service (SMS), email, online messaging, or push notifications through the App to inform you of special offers, promotions, or events that we, our partners, sponsors, or advertisers are hosting or organizing, or to provide you with updates on our App and/or the products and services that are available on it.
14.2 You can opt out of receiving these marketing messages going forward by clicking the "unsubscribe" link in the relevant message or by contacting us using the details below. We may still send you non-promotional notifications regarding the app or your account, loan disbursement or repayment receipts, and other information even if you opt out.
15. THIRD-PARTY WEBSITES
15.1 Links to external websites may be included in the app and website. We cannot be held responsible for how these third parties collect, utilize, keep, distribute, or disclose data and information because we have no control over these websites. To find out how these third-party websites collect and use your personal information, please read their terms and conditions and privacy policies.
The advertisements in our app and website contain links to the advertiser's website. Therefore, the advertiser will collect and use any information it receives from your click on the link in accordance with its privacy statement.
16. LIABILITY LIMITATIONS
We do not cover indirect, incidental, consequential, extraordinary, exemplary, or punitive damages brought on by the following:
16.1 The software you use, rely on, or are unable to utilize; or
16.2 Any correspondence or business dealings you submit to any other third party, even if we are aware that there may be danger.
We will not be held accountable for any delays or nonperformance brought on by circumstances outside of our reasonable control.
17. DIRECTIONS FOR CONTACTING US
Please contact our data protection officer at solve@tariloan.com with any inquiries regarding our privacy policy. You will be able to see and modify your personal information.
solve@tariloan.com
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Privacy Policy