Welcome to CashHive (hereinafter referred to as "this App")! We understand that the privacy of your personal data is of utmost importance to both you and us. With this principle in mind, we have established this Privacy Policy to clarify your privacy rights—specifically regarding how we collect, process, retain, share, and protect your personal data when you access our services (website, App).
This Privacy Policy is established between CUSTOMERCRAFT LTD and you. This Policy aims to provide detailed information about our privacy practices and to help you understand how we handle your data. In doing so, we will strictly comply with the Nigeria Data Protection Act 2023 and other applicable data protection regulations.
Please carefully read this Privacy Policy before using this App. If you do not agree to any term of this Policy, please stop using this App immediately. By using this App, you signify that you have fully understood and agreed to all the contents of this Policy.
App Name: CashHive
Operator: CUSTOMERCRAFT LTD (a company registered in Nigeria)
Contact Information:
Phone: +234 8087624596
Address: Block 4, Flat 1, Shipping line, Gowon Estate, Egbeda, Lagos State, Nigeria
Email: customercraftltd@outlook.com
To provide you with core services such as loan applications, credit limit assessment, and repayment management, we need to collect the following types of personal information ("personal information" refers to information that can identify you):
- Basic Identity Information: Name, gender, date of birth, nationality, identification document numbers (e.g., Nigerian National ID, International Passport), residential address;
- Contact Information: Mobile phone number, email address, emergency contact name and contact details;
- Financial Information: Proof of income (e.g., pay stubs, bank statements), employment information (employer, position), current debt status, bank account information (for loan disbursement and repayment);
- Loan-Related Information:Loan amount, term, purpose, repayment plan preferences;
- Other Information: Additional information you provide through customer service inquiries, feedback, or participation in activities.
- Device identifiers (e.g., IMEI, MAC address, Android ID, iOS advertising identifier);
- Operating system version, device model, network type (Wi-Fi/mobile data), IP address, geographic location (obtained with your authorization for anti-fraud and service optimization purposes);
- Location information: We collect the approximate geographic location of your device (based on IP address or mobile network) to facilitate localized services and assist in risk control assessments;
- Application usage logs (e.g., login time, feature access records, page dwell time, error reports).
- To verify your creditworthiness, we may obtain your credit reports and historical repayment records from legally authorized credit institutions (e.g., Nigerian Credit Bureau);
- To complete identity verification, we may verify the information you provide through public government databases (e.g., National Population Commission).
This app provides credit assessment and customized loan solutions. SMS access is required for financial fraud prevention and creditworthiness evaluation, which is essential to the app's core lending functionality.
Upon receiving user's explicit consent, the app performs on-device scanning only — it identifies SMS messages containing specific financial keywords solely for credit analysis purposes. The app does not collect, store, or upload the user's complete SMS history or personal conversations.
In accordance with Google Play's policy on sensitive permissions, access is strictly limited to financial SMS content. All temporary assessment data is permanently deleted from our servers within 24 hours of loan approval completion. No non-financial or personal SMS records are leaked or shared with third parties.
[DEBT, KASH, REDI, LAIRA, FUND, PAY, NAIR, MONEY, LOAN, CASH, MONI, DUE, WALLET, FINANCE, LEND]
This app provides credit assessment and customized loan solutions to users in Nigeria. Access to approximate location permission is required for regional risk verification and fraud prevention analysis. This permission is essential to the app's core lending functionality and is used to verify the user's general geographic area, ensuring compliance with applicable lending regulations and internal risk policies.
Upon receiving the user's explicit consent, this app accesses coarse location data only. This data is used solely for the following limited purposes:
In compliance with Google Play's sensitive permissions policy, Nigeria's Limited Interim Regulatory/Registration Framework and Guidelines for Digital Lending 2022 (issued by the FCCPC), and the Nigeria Data Protection Act 2023:
- No Precise Location: This app does not request or access precise GPS coordinates.
- Limited Retention: Location verification data is temporarily processed only during the credit assessment period and is not retained as part of the user's permanent profile after the loan decision is completed.
- Log in to Your Account:Open the CashHive app and log in using your account credentials.
- Go to Account Settings: Locate the "Delete Account" option in the settings menu → Complete identity verification as prompted → Submit the deletion request.
- Await Review: We will process your request within 24 hours. After your account is deleted, all personal information will be anonymized.
- Visit the CashHive official website.
- Click the "Delete Account" button in the upper right corner of the page.
- Follow the instructions to fill in your account information and submit the deletion request. We will initiate the review process accordingly.
- Send an email to customercraftltd@outlook.com (the company's official email address).
- Mark the email subject as: "Account Deletion Request" .
- The email body should include:
- The mobile phone number used for registration
- Username (if applicable)
- Brief reason for account deletion (optional)
- Data Security: After account deletion, your personal information will be anonymized within 24 hours and will no longer be associated with any financial records.
- Service Termination:After deletion, all outstanding loans, repayment plans, and membership benefits will automatically become void.
- Irreversible Operation: Once deleted, your account and data cannot be recovered. Please ensure you have backed up any important information.
We use the collected information only for the following clear and legitimate purposes, and will not process it beyond the scope directly related to these purposes:
Service Provision: Processing loan applications, assessing credit limits, disbursing loans, managing repayment plans, and sending repayment reminders;
Identity Verification and Anti-Fraud: Verifying your identity through device information, behavioral data, and third-party data to prevent risks such as identity theft and fraudulent applications;
Customer Support: Responding to your inquiries, complaints, or feedback, and providing account management assistance;
Service Optimization: Analyzing usage data to improve product features and enhance user experience (e.g., optimizing the application process, adjusting interest rate models);
Legal Compliance: Complying with the Nigeria Data Protection Act 2023 (NDPA), the National Financial Inclusion Strategy 2020, and other applicable laws and regulations, as well as fulfilling anti-money laundering (AML) and counter-terrorism financing (CTF) obligations.
- We will retain your personal information during your use of this App and for 24 hours after the termination of services (certain information may need to be retained for a longer period as required by Nigerian law);
- If you delete your account, we will delete or anonymize your personal information.
- Employ encryption technologies (such as SSL/TLS for transmission encryption, AES for storage encryption) to protect the security of data transmission and storage;
- Restrict internal employee access permissions (only authorized personnel may access data for work-related needs);
- Conduct regular security audits and vulnerability scans to prevent data breach risks;
- Maintain an incident response plan; in the event of a data breach, affected users and relevant regulatory authorities will be notified within 72 hours (as required by the NDPA).
Under the Nigeria Data Protection Act (NDPA), you have the following rights regarding the processing of your personal information:
- Right to be Informed: Understand how we process your information (as detailed in this Policy);
- Right of Access: View the information we hold about you through the "Account Settings - Personal Information" section within the App;
- Right to Rectification: If you find any information to be incorrect, you may request a correction by contacting customer service (+234 8087624596 or customercraftltd@outlook.com);
- Right to Deletion: Request the deletion of your personal information (e.g., after account deletion), provided that legal requirements are met;
- Right to Withdraw Consent: For processing based on your consent (such as marketing push notifications), you may withdraw your consent at any time through "Settings - Notification Management";
- Right to Complain: If you believe we have violated data processing regulations, you may file a complaint with the Nigeria National Information Technology Development Agency (NITDA), or contact us via the contact details above.
This App is intended for adults aged 18 years and above. We do not actively collect personal information from children under 18 years of age. If we discover that such information has been mistakenly collected, we will delete it immediately.
We may update this Policy in response to business developments, legal changes, or user feedback. Significant changes will be notified to you via in-app pop-ups, push notifications, or email. Continued use of this App constitutes your acceptance of the updated Policy.
In the event of a violation of this Policy, the Organization's Data Protection Officer shall rectify such violation within seven (7) days. If the violation involves the disclosure of your personal data without your consent, the relevant information shall be immediately recalled; furthermore, a notification confirming such recall shall be sent to you within forty-eight (48) hours of the completion of the rectification.
This Privacy Policy is formulated in accordance with the Nigeria Data Protection Act (2023) and other relevant laws, regulations, or international conventions applicable in Nigeria.
If you have any questions, suggestions, or need to exercise the above rights regarding this Policy, please contact us through the following channels:
- Phone: +234 8087624596 (Weekdays 9:00 AM – 6:00 PM, Nigeria Time)
- Email: customercraftltd@outlook.com
- Address: Block 4, Flat 1, Shipping line, Gowon Estate, Egbeda, Lagos State, Nigeria
CUSTOMERCRAFT LTD
Committed to providing you with secure and transparent financial services