ZapCash - CTN LTD Privacy Agreement

Dear user,

Thank you for choosing the ZapCash - CTN LTD service provided by CROWN TECK NIG LTD PARTNERSHIP. This privacy agreement is designed to help you understand how we collect, use, disclose and protect your personal information. Please read and understand our privacy policy carefully. CROWN TECK NIG LTD PARTNERSHIP (hereinafter referred to as "we") attaches great importance to user privacy protection and is aware of the importance of personal information to you. This privacy agreement is intended to clearly explain to you how we collect, use, store, share and protect your personal information during your use of ZapCash - CTN LTD APP (hereinafter referred to as "this application"). Please read and understand this privacy agreement carefully before using this application.

Ⅰ. Scope of Application

This privacy agreement applies to all your use of the ZapCash - CTN LTD APP, including but not limited to downloading, installing, registering, logging in, using in-app functions and services, etc.

Ⅱ. Information Collection

Location permissions:

We need to obtain your approximate location information in order to recommend loan plans that are in line with your local financial policies and market environment, and provide you with localized customer service and support.

Album permissions:

You can upload bank card photos directly from the album without manually filling in information, thereby improving operational efficiency. We will not read other photos in your album without your explicit authorization.

Calendar permissions:

Help you easily set repayment reminders. You can synchronize the repayment date to the mobile phone calendar to ensure that you will not miss the repayment time and avoid overdue bad credit records. We will not read or modify your other personal schedule information.

Camera permission:

This permission is mainly used in the loan application process. You can use the camera to take a picture of your bank card and complete face recognition and other operations to ensure that the operating subject is consistent with the registration information and enhance account security.

Reminders:

We will push repayment details to you through the reminder function before the loan period expires to ensure that you will not miss the repayment time and avoid overdue bad credit records.

III. Information Use

Provide services: We use the collected information to provide you with core services such as loan application, approval, issuance, repayment management, and other related functions and services within the application.

Risk assessment and management: By analyzing the personal information and behavioral data you provide, we assess your credit risk to decide whether to approve your loan application and determine the loan amount, interest rate, repayment period and other related terms. At the same time, we continuously monitor your account status to prevent fraud and other risks.

Personalized services: Based on your usage behavior and preference information, we provide you with personalized service recommendations, content display and user experience optimization.

Improve products and services: Use the collected information for data analysis and research to understand user needs and usage feedback, so as to improve and perfect the functions, performance and user interface design of this application, and launch products and services that better meet your needs.

Compliance and legal requirements: Use your information to fulfill our legal obligations in accordance with applicable laws, regulations, regulatory requirements or judicial procedures.

IV. Information Storage and Security

Storage Location: We will store your collected personal information on the server located at [https://ysye.thongplship.shop/].

Storage Period: We will only retain your personal information for the shortest period required to achieve the purposes described in this Privacy Agreement, unless otherwise provided by laws and regulations or a longer retention period is permitted. When your personal information is no longer needed to achieve its original collection purpose, we will delete or anonymize it in accordance with relevant regulations.

Security Measures: We attach great importance to information security and have taken a series of reasonable technical and management measures to protect your personal information from unauthorized access, use, disclosure, tampering or damage. These measures include but are not limited to data encryption, access control, firewall settings, regular security audits, etc. At the same time, we will provide information security training to employees and require them to strictly abide by confidentiality obligations. Despite the above measures, please note that the Internet is not an absolutely secure environment, and we cannot guarantee that information will never be unauthorizedly accessed or damaged during transmission or when stored in our systems. If you find that the security of your personal information is threatened, please contact us immediately through the contact information provided in this Privacy Agreement.

V. Your rights

Right to access: You have the right to access the personal information you provide in this application at any time, including account information, loan application information, etc. You can log in to this application and view and manage your information in the relevant settings or personal information management page.

Right to correction: If you find that your personal information collected and stored by us is wrong or inaccurate, you have the right to ask us to correct it. You can provide the information and relevant supporting materials that need to be corrected through the feedback channel in this application, or contact our customer service team, and we will handle it in a timely manner after verification.

Right to delete: Under the premise of complying with the provisions of laws and regulations, you have the right to ask us to delete your personal information. For example, when we no longer need to use your information to provide services, or you withdraw your consent to the use of information and there is no other legal basis for continuing to process your information. You can make a deletion request through the feedback channel in this application, or contact our customer service team. We will delete it as soon as possible after verification, or you can also cancel your account through the "Cancel Account" function in the APP or official website. The cancelled account information will be deleted and anonymized within 6 hours.

Right to withdraw consent: For certain information collection and use behaviors that require your authorization and consent, you have the right to withdraw your consent at any time. You can withdraw your consent by modifying the application settings or contacting our customer service team. After withdrawing your consent, we will no longer continue to collect and use relevant information based on your consent, but this will not affect the legality of the information processing activities previously carried out based on your consent.

Right to complain: If you have any questions, comments or complaints about our processing of your personal information, you can contact us in the following ways: [Specific contact information, such as customer service email, customer service phone number, etc.]. We will investigate and handle it in a timely manner after receiving your information.receiving your feedback, and respond to your request within a reasonable time.

VI. Protection of minors

We attach great importance to the protection of minors' personal information. This application does not provide services to minors, and we will not intentionally collect minors' personal information. If we find that we have accidentally collected minors' personal information, we will immediately take measures to delete it. If you are the guardian of a minor and find that a minor has provided us with personal information, please contact us in a timely manner through the above contact information, and we will assist you in handling related matters.

VII. Changes to the Privacy Policy

We may revise this privacy agreement in a timely manner based on changes in laws and regulations, business development needs or other reasons. When there are major changes to the privacy agreement, we will inform you of the changes by means of prominent prompts in the application, push notifications, emails, etc. Major changes include but are not limited to: major changes in our service model, such as major changes in the purpose of processing personal information, the type of personal information processed, and the way personal information is used; major changes in our ownership structure, organizational structure, etc., such as changes in the controller of personal information caused by business adjustments, bankruptcy and mergers and acquisitions, etc.; changes in the main objects of personal information sharing, transfer or public disclosure; major changes in your rights to participate in personal information processing and the way they are exercised; changes in our responsible department, contact information and complaint channels for handling personal information security, etc. Please pay attention to the updates of this privacy agreement regularly. If you continue to use this application after the privacy agreement is changed, you agree to be bound by the revised privacy agreement.

VIII. Other Terms

The signing, performance, interpretation and dispute resolution of this privacy agreement are applicable

If you have any questions or suggestions about this privacy agreement or our handling of your personal information, please feel free to contact us at any time. You can contact us at [+234 9126689149] and we will serve you wholeheartedly.

[CROWN TECK NIG LTD PARTNERSHIP Company Name]