Privacy Policy of AlloCash Go

AlloCash Go ("we," "our," or "us") provides digital lending services to users located in Côte d'Ivoire. We respect your privacy and are committed to protecting your personal information in accordance with applicable data protection laws and relevant Google Play requirements. This Privacy Policy explains the types of information we collect, the reasons for collecting it, how we use and protect it, and the circumstances in which it may be shared when you use the AlloCash Go mobile application (the "App") and related services.

By downloading, registering for, accessing, or using AlloCash Go, you acknowledge that you have read and understood this Privacy Policy. Where a separate permission is required, the App will request your consent before accessing the relevant device function or information.

1. General Information

This Privacy Policy applies to the AlloCash Go App and its related digital services, including account registration, identity verification, loan application review, disbursement, repayment, customer support, and account management. It should be read together with the applicable Terms and Conditions and the information displayed in the App before you confirm a loan request.

For the purposes of this Privacy Policy, "Personal Information" means information that identifies or can reasonably be linked to you. "Service Providers" means trusted companies that process information for hosting, payments, verification, security, analytics, or other services on our behalf.

2. Customer Commitment

You are responsible for providing information that is true, accurate, current, and complete. You should update your information when it changes. If you provide information about an emergency contact, you confirm that you have the appropriate permission to provide that person's information for the purposes described in this Privacy Policy.

AlloCash Go provides services only to persons who are at least eighteen (18) years old and legally resident in Côte d'Ivoire. By using the App, you confirm that you meet these requirements.

3. Information We Collect

A. Information You Provide Directly

Depending on the service you use, we may collect:

  • Full name, gender, date of birth, and identification information such as a national identity document or equivalent official document.
  • Mobile telephone number, email address, and residential address.
  • Employment, income, education, and other information relevant to assessing a loan application.
  • Bank account or mobile money wallet information used for loan disbursement and repayment.
  • Emergency contact information that you voluntarily provide, including name, telephone number, and relationship.
  • Account credentials, application information, payment records, support requests, and communications with us.

B. Device and Technical Information

When you use the App, we may collect limited technical information needed to operate and secure the service, including device model and manufacturer, operating system and version, network type, IP address, SIM-related data such as network operator, MCC/MNC codes, and roaming status, non-permanent device identifiers, application error logs, and usage information.

We use this information to maintain the App, troubleshoot technical problems, protect accounts, detect suspicious activity, prevent fraud, and improve service performance. We do not access the personal content stored inside other applications.

C. SMS Information

With your permission and where supported by the App, we may process a filtered set of financial-related SMS messages issued by banks, payment systems, merchants, or mobile money providers. This information may help us verify financial activity, assess repayment capacity, and identify fraudulent activity. We do not intentionally collect unrelated personal messages.

D. Emergency Contacts

You may voluntarily provide selected emergency contacts during registration or a loan application. We access only the contacts you choose to provide and use them for identity verification, account support, or lawful credit-risk assessment. We do not collect your complete address book for this purpose.

E. Installed Application Metadata

Where necessary for device integrity and fraud prevention, we may collect limited metadata such as application names and package identifiers from applications installed on your device. This information is used to identify potential fraud signals and does not give us access to the content of those applications.

F. Camera and Location

We may request camera access so that you can capture an identification document or other verification image required for a loan application. We may also use approximate location information, obtained through network information or IP address, to verify activity, reduce fraud risk, and support services intended for users in Côte d'Ivoire. Location access is intended to apply while the App is actively used.

4. How We Use Personal Information

We may use the information collected for the following lawful and necessary purposes:

  • To create, administer, verify, and maintain your account.
  • To verify your identity and the accuracy of the information you provide.
  • To assess creditworthiness, eligibility, repayment capacity, and application risk.
  • To process loan applications, disbursements, repayments, and related transactions.
  • To prevent fraud, abuse, impersonation, unauthorized access, and other security incidents.
  • To communicate with you about your account, application, repayments, service notices, and support requests.
  • To comply with applicable legal and regulatory requirements, including know-your-customer and anti-money-laundering obligations.
  • To maintain, test, improve, and secure the App and related services.

We do not sell your Personal Information. We do not use information for purposes that are incompatible with the purposes described in this Privacy Policy.

5. Data Sharing and Disclosure

We may share only the information reasonably necessary in the following circumstances:

  • Authorized Service Providers that support hosting, identity verification, payment processing, security, customer support, or technical analytics. These providers must follow confidentiality and security obligations.
  • Licensed credit-reference or verification partners, where applicable and lawful, for credit assessment, identity verification, and fraud prevention.
  • Government authorities, courts, regulators, or law-enforcement bodies where disclosure is required by law, legal process, or an official request.
  • Our employees, professional advisers, auditors, or contractors who need the information to perform their duties or protect our rights and users.
  • A buyer, successor, or other party involved in a merger, restructuring, financing, or transfer of all or part of our business, subject to appropriate confidentiality protections.

We require third parties that process information for us to use it only for the agreed service, legal, security, or compliance purpose. We do not authorize third parties to sell your information.

6. Data Security

We use reasonable technical and organizational safeguards to protect Personal Information against unauthorized access, loss, misuse, alteration, or disclosure. These safeguards may include secure HTTPS transmission, encryption where appropriate, role-based access controls, monitoring, internal procedures, and periodic security reviews.

Information necessary to operate the service may be transmitted to and stored on our infrastructure at: https://api.allocashgo.com.

No electronic transmission or storage system can be guaranteed to be completely secure. You should keep your passwords and OTP codes confidential and notify us promptly if you believe your account has been compromised.

7. Data Retention

We retain Personal Information only for as long as necessary to provide the Service, assess and administer applications, complete repayments, resolve disputes, prevent fraud, and meet legal, regulatory, accounting, or record-keeping obligations. When the applicable retention period ends, we will delete, anonymize, or securely restrict access to the information in accordance with our procedures.

8. Your Rights

Subject to applicable law and reasonable identity verification, you may request to:

  • Access and review the Personal Information we hold about you.
  • Correct or update inaccurate or incomplete information.
  • Withdraw consent for a particular optional processing activity.
  • Request deletion of Personal Information where retention is no longer necessary and no legal exception applies.
  • Request restriction of or object to certain processing where permitted by law.

To exercise these rights, contact us using the email address in Section 12. We may retain information when necessary to comply with law, complete a transaction, establish or defend a legal claim, prevent fraud, or protect the security of the Service.

9. Account Deletion and Data Erasure

You may request permanent deletion of your AlloCash Go account by contacting our support team. Deletion may be completed after outstanding loans, payments, disputes, or other obligations have been settled. Information that must be retained for legal, regulatory, audit, fraud-prevention, or evidentiary purposes may remain stored for the required period and will then be deleted or anonymized.

10. Cross-Border Data Processing

Some technology or service providers may process information on secure systems located outside Côte d'Ivoire. Where Personal Information is transferred or processed internationally, we take reasonable contractual, technical, and organizational measures to protect its confidentiality and security and to comply with applicable requirements.

11. Policy Updates

We may update this Privacy Policy from time to time to reflect changes to the App, our services, technology, or applicable requirements. The updated version will be made available through the App or the relevant policy page. Material changes may be communicated through an in-app notice, email, or another appropriate channel. The effective date at the beginning of this policy indicates when the current version took effect.

12. Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy, access, correction, consent, deletion, or account-related request, please contact us at:

Email: dev.bowomob@gmail.com

Please do not send your password, OTP code, or other confidential authentication information by email.