EyoKash Privacy Policy

Identity Information

We may collect:

• Full name
• Date of birth
• Gender
• Residential address
• Phone number
• Email address
• Bank Verification Number (BVN)
• National Identification Number (NIN) where required
• Government-issued identification documents

Purpose:

• Identity verification
• Regulatory compliance
• Loan application processing

Camera Information

Purpose:

• Selfie capture
• Identity verification
• Document upload
• Liveness detection

Data collected:

• Images and verification materials voluntarily submitted by users

Approximate Location Information

Purpose:

• Verify user residency within Nigeria
• Fraud prevention
• Risk assessment

Data collected:

• Approximate location only

We do not collect background location information.

Emergency Contact Information

Purpose:

• Credit assessment
• Risk management
• Contact assistance when users become unreachable

Data collected:

• Contact name
• Phone number
• Relationship to user

We do not access the user's address book or contact list.

Device Information

Purpose:

• Fraud detection
• Security monitoring
• System compatibility
• Service optimization

Data collected may include:

• Device model
• Operating system version
• Device identifiers permitted by the platform
• IP address
• Mobile network information
• Application version
• Device language settings

Advertising Identifier (If Authorized)

Purpose:

• App performance measurement
• Fraud prevention
• Service optimization

Data collected:

• Advertising identifier provided by the operating system

For iOS devices, collection occurs only if authorized through Apple's App Tracking Transparency framework.

SMS Information

Collection and Use of SMS Data

We collect and process your SMS data only after obtaining your explicit and informed consent.

Purpose of Use

We use the collected SMS data strictly for the following purposes, which are consistent with non-app disclosures:

Creditworthiness & Risk Assessment: To analyze your financial behavior, loan habits, and repayment trends to evaluate your credit eligibility and support responsible lending decisions.

Fraud Detection & Prevention: To detect abnormal activities, identify potential account misuse, and mitigate security risks to protect your account.

Personalized Experience & Compliance: To customize and optimize your loan products within the app based on your financial profile, while ensuring regulatory compliance.

Data Scope & Restrictions:

Financial SMS Only: Our collection is strictly limited to financial-related SMS data, including sender details and message body (specifically bank alerts, mobile wallet transactions, and payment notifications).

Exclusion of Personal Data: We DO NOT read, collect, or store personal conversations, social messages, one-time passwords (OTPs), or account passwords.

No Third-Party Sharing: We do not share, sell, or lease your SMS data to any third-party advertisers, marketers, or unrelated entities.

Data Security and Storage Location:

All SMS data is treated with the highest standard of security. It is encrypted in transit using secure HTTPS protocols. All collected information is securely transmitted, validated, and stored on our designated protected data server located at https://srv.eyokash.com.

Installed Applications Information (App List)

Purpose:

• Fraud detection
• Device risk assessment
• Prevention of multiple-account abuse
• Credit risk assessment

Data collected:

• Installed application names
• Package identifiers

Restrictions:

• We do not access content stored within applications.
• We do not access photos, files, messages, or account credentials inside installed applications.