Privacy Policy for TomX Credit.

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service of Tomx credit and tells You about Your privacy rights and how the law protects You. We use Your Personal data to provide and improve the Service we offer. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions Interpretation


for the purposes of this Privacy Policy

Account means a unique account created for You to access our Service or parts of our Service.

Application means the software program provided by the Company downloaded by You on any electronic device, named Tomx Credit.

Company (referred to as either the Company in this Agreement) refers to Tomx Credit microfinace banks, Ibadan

Device means any device that can access the Service such as a computer, a cell phone or a digital tablet

Personal data is any information that relates to an identified or identifiable individual service refers to the Application.

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself.

You mean the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

● Email address

● First name and last name

● Phone number

● Address, State, Province, ZIP/Postal code, City

● Occupation

● Next of Kin

Usage Data

Usage Data is collected automatically when using the Service. Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data. We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.>

Information Collected while Using the Application

While using Our Application, in order to provide features of Our Application, We may collect, with Your prior permission:

Information regarding your location

We use this information to provide features of Our Service, to improve and customize Our Service. The information may be uploaded to the Company's servers and/or a Service Provider's server or it may be simply stored on Your device You can enable or disable account

Things you do and information you provide.

We collect the information that you provide when you use our Services, including when you sign up for an account. This can include information in or about the information that you provide, such as the occupation, age or location. We also collect information about how you use our Services, such as the various services you engage with or the frequency and duration of your activities.

Information about fund disbursement.

If you use our Services for financial transactions (e.g. when you save), we collect information about your saving capacity and loan worthyness. This includes your bank statement information, employment status, KYC data and contact details.

How do we use these information

Provide, improve and develop Services. We are able to deliver our Services, personalise products and make suggestions for you by using this information to understand how you use and interact with our Services.

When we have location information, we use it to tailor our Services for you and others, such as ensuring that you do not move outside of region specified during the period financial request was fulfilled

We conduct surveys and research, test features in development and analyse the information that we have in order to evaluate and improve products and services, develop new products or features and conduct audits and troubleshooting activities.