Privacy Policy

This Privacy Policy contains important terms that affect your legal rights. It is understood that upon submission of the application form, you agree to be bound by the terms and conditions set forth below and automatically consent to the collection, use,storage, analysis and manipulation of your data information in accordance with this Privacy Policy to provide you with a great customer experience.If you do not wish to be bound by these terms and conditions, you may not access or use MOMOGO Service.
Please note that this privacy policy may be amended from time to time to comply with Data Privacy requirements, coverage and technology security advancements and such modifications shall be effective immediately upon posting of the modified Agreement.

You hereby give your acknowledgement and consent to MOMOGO to use your personal data for the aforesaid Purposes and Services.
You agree that your consent will remain in place until your withdrawal by officially notifying the app in writing.
We collect certain data to be able to provide the Service to you. We also collect data for use in
verifying your identity and creating credit scoring models to determine what Loans can be offered to you. We also use this data for purposes of collections and credit reporting.
Personally identifiable Information
"Personally identifiable information" is information that can be used to uniquely identify a user such as name, password, date of birth, civil status, gender,email address, telephone number, and other personal details. Some examples of information that may be collected are (but not limited to):
· Your BVN and/or TIN number,
· Your employment and income information;
· Your bank account information;
· We may also collect your email and phone book contacts and information related to device activity such as SMS logs and GPS location information. To supplement this information, we may also collect data from third parties such as credit bureaus and other financial institutions. By registering for the Service, you authorize the collection and processing of the foregoing data.
·Any personal information you provide us in connection with any customer service communication(email, phone or other means), dispute or complaint.You may be asked to provide personally identifiable information to meet our legal obligations, verify your identity, determine eligibility for credit, protect against fraud, and complete your transaction. We may also use the provided personal information to inform you of special loan offers, to process your loans, to provide you with our services or to conduct surveys. While MOMOGO collects personally identifiable information on a voluntary basis for certain product sand services, MOMOGO’ collection of personally identifiable information may be a requirement for access to our services or to process a users loan.

By using MOMOGO's online services, users agree that MOMOGO collects and processes the personally identifiable information (as defined above) they have provided during any exchange with MOMOGO. The information include that:
· Borrower information. When customer registration is required customer identity information (such as BVN), job information, the nearest person who can be contacted in emergency situations and others.
· Communication information. contacts and more.
· Sensitive information. GPS, IP others. We collect information about you in a number of ways:
· Information you provide to us through our applications;
· information you provide through communications with us;
· Information from outside sources such as credit bureaus and customer service providers to help us with customer verification and credit-related decisions. MOMOGO will not share any personally identifiable information with other parties except as described in this policy and in the Applicant Consent Form signed by the customer.
MOMOGO also processes anonymous data, aggregated or not, in order to analyze and produce statistics related to the product usage patterns, and demographics of users. Such anonymous data does not allow the identification of the users to which it relates.MOMOGO may share anonymous data,aggregated or not,which third parties.

Personally identifiable information is used internally by MOMOGO to deliver, develop, and improve services,to which users have subscribed, and to answer users' requests. This may include:
· Generating your borrower profile and processing your loan application;
· Assigning you a MOMOGO Borrower Rating;
· Implementing collection activities as needed;
· Communicating with you concerning your account and transactions;
· Addressing any disputes you may raise concerning your account;

· Borrower information. Customer will fill in some information that must be completed, the information is required information.
· Communication information. Based on the con-sent of the customer, the data reported to the server,the information will be used for anti-fraud services.
· Other information. Based on the permission of the customer, the data reported to the server, the information will be used for anti-fraud services, as well as the program or other problem detection.

· Your name, address, phone numbers, email address, date of birth, employment and banking and financial details;
· Demographic and lifestyle information;
· information we receive when making a decision about you, your loan or application (including
information collected from credit bureaus);
· Details of the loans you have and have had with us and all transactions;
· Details of when you contact us and when we contact you,
· As well as any other information which we reason-ably need to operate your account, make decisions about you or fulfil our regulatory obligations. We may keep details of any phone numbers that you call us from and use them to contact you.
· References to personal information include all of the information above whether obtained from you, from a credit bureau,from the internet or from any other source.

· With any firm, organization or person we use to help us operate our lending business, to collect
payments and recover debts or to provide a service on our behalf,
· With any firm, organization or person who provides us with products or services or who we provide products and services to;
· With any person who has told us and who we reasonably believe to be your parent, carer or helper, when proof is presented that you are unable to handle your own affairs because of mental incapacity or other similar issues;
· With any payment system we may use,
· Certain authorities in order to detect and prevent terrorism (including to authorities outside the Philippines)
· With any person to whom we sell or transfer(or enter into negotiations to sell or transfer) our business or any of our rights or obligations under any agreement we may have with you. If the transfer or sale goes ahead, the transferee or purchaser may use your personal information in the same way as us;
· With regulatory agencies and government authorities (including but not limited to, the Bureau of Internal Revenue, the National Bureau of Investigation, the Office of the Ombudsman), including those overseas,where we are requested by them to do so;
· With credit bureaus or any similar organization which provides a centralized application matching service that collects information from and about
mortgage and/or credit applications, for the purpose of preventing and detecting fraud. We may also provide information to third parties to help them to make decisions about whether to lend to you,allow you extended payment terms or otherwise do business with you.

We respect your privacy. Personal identifiable information provided to MOMOGO will be collected,processed and stored us in a secure data base under our control. MOMOGO has taken reasonable steps to protect the information users share with us, including, but not limited to, setup of processes,equipment and software to avoid unauthorized access or disclosure of this information.We only permit your Customer Data to be accessed or processed by our authorized personnel who hold such information under strict confidentiality.We restrict access to information to MOMOGO employees, contractors, and agents who need to know such information in order to process it for us,who are subject to strict contractual and technical safeguards and are accountable if they fail to meet these obligations.
Furthermore, we only give you or your authorized representative access to your Personal Information.We do not sell your Personal Information to anyone for any purpose.
Corrections, Updates, and removal of personally identifiable information.
You will have a way to access or correct your Personal Data, unless there are practical, contractual and legal reasons that would prevent us from doing so. We would just need ample time to provide or correct that information for you, but rest assured it would be completed.

If there are any questions regarding this privacy policy, you may contact us via momogoservice@gmail.com