Privacy Policy

1. Basic personal information: Including name, gender, date of birth, marital status, etc.

This service is operated by LOTUS MICRO FINANCE ("we", "us", or "our"). This Privacy Policy explains how Ozzy Credit collects, uses, stores, discloses, and safeguards your personal data. By accessing or using our services, you acknowledge that you have read, understood, and consented to this policy in its entirety. If you disagree with any provision, please discontinue use immediately.

Introduction

Welcome to Ozzy Credit. We prioritize your privacy. This Privacy Policy outlines how we gather, utilize, share, and safeguard your information when you employ our mobile application. Kindly peruse this policy attentively. If you disagree with its stipulations, refrain from accessing the application.

A.Personal data generated during interaction

• 1. Basic personal information: Including name, gender, date of birth, marital status, etc.
• 2. Profession information: Including job type and monthly income
• 3. Contact information: The data selected or filled in by the user from the address book, including the relationship with the contact, the contact name and the contact number
• 4. Payment information: Including the payment account information provided by the user himself and the account information used for payment.
• 5. Document information (needed when necessary): A valid government-issued ID photo that proves the user's identity.
• 6. Face information (needed when necessary): User's own personal selfie

The above interactive information is an important basis for your loan application review. This information will be safely retained in our server and will not be shared with third parties. You can also choose to delete your personal user data. Your face information will be encrypted and transmitted to https://www.ozzymoney.info/. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.

B.Data collected from devices

1. SMS

What information do we collect?

• a. After obtaining your authorization for SMS access, we only collect financialrelated data from SMS messages.(This data includes: SMS message content, sender, recipient, and time of sending and receiving.)
• b. We use keyword filtering and sent to https://www.ozzymoney.info/. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.
• c. Ozzy Credit will not read and collect your SMS data when the app is closed or not in use.

Why do we request your device's SMS data?

We analyze financial data in user SMS messages to assess their debt, financial status, and financial activities, thereby assessing their credit and financial status. This serves as a crucial source of information for our anti- fraud and credit assessment efforts.

Data security

• a. SMS data of users is filtered by keywords, and we only collect data related to financial activities. We do not collect private information.
• b. We will fully disclose and declare SMS data to users before collecting SMS data, and we will collect SMS data only after users have authorized SMS permissions
• c. Your SMS data will be encrypted and sent to https://www.ozzymoney.info/. After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.

2.DEVICE INFORMATION

0zzy Credit requires nationwide mobile phone access to ensure that no unauthorized devices conduct activity under your name to prevent fraud. We will collect and track specific information about your device, including your phone model, OS version, screen size, device language, RAM size, and storage capacity. In addition, we will collect your device's unique identifiers, such as serial number and SSAID. We will also collect WIFI information, including WIFI status and mobile network details to ensure device identification. This information helps us improve your credit profile and assess your credit worthiness.

3.CAMERA

When you authenticate your identity, we will ask you to take a selfie photo by calling your device's camera. We will upload your selfie photo to our server for identity verification.

We will only ask you to take a selfie with the camera when you authenticate your identity. We will also only upload the only selfie photo you have confirmed to our https://www.ozzymoney.info/ server after encryption.Your data will be protected and kept confidential.

4.STORAGE

Access to your device storage requires your permission, which will allow you to upload photos and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server (https://www.ozzymoney.info/) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.

5.CONTACTS IN YOUR ADDRESS BOOK

We collect the contacts you select in your phone book, including the contact's name and phone number. The above information will help you select emergency contacts in your loan application and allow us to contact them when necessary to prevent fraud and monitor debt collection. This will enable us to better assess your credit status and manage our identification and credit portfolio management risks. We will upload your contact information to Ozzy Credit's server (https://www.ozzymoney.info/), and your data will be protected and kept strictly confidential.

6.PHOTO ALBUM

We will collect the photos you select in the photo album, which will help you choose the corresponding ID photos to upload in your loan application. This will enable us to better assess your credit risk profile. We will upload your contact information to Ozzy Credit's server (https://www.ozzymoney.info/), and your data will be protected and kept strictly confidential.

7.CONNECTED NETWORK APP INFOMATION

What data we will collect

We will collect information about network- connected applications on user devices, including a list of applications that obtain INTERNET permissions, a list of applications that obtain ACCESS_NETWORK_STATE permissions, and the names, package names, versions, and other information of the applications in the list.

Why we request ?

We collect information about apps that obtain specific permissions on user devices. This information is intended to help us identify apps that are used to damage applications and potentially for anonymization and fraud, using the principle of least privilege. (For example, Fake GPS: fake location Super Clone: cloning software)

Data safety

• a. We use the official and secure PackageManager API interface provided by Android and only used to identify third-party, non-system apps on the device that have been granted specific permissions (INTERNET, ACCESS_NETWORK_STATE). This feature is used for risk management and device environment assessment and does not involve user privacy or behavioral analysis.
• b. The retrieved app list data will be GZIP compressed (using the gzipString() method) and encrypted for transmission to https://www.ozzymoney.info/ and ensure data security.
• c. Ozzy Credit will never share your data with any third party. Data collection will only occur with your consent.

C.User behavior data collection

We only collect service- related interactions (clicks, browsing, app launches/closes) to optimize functionality and security. Data is anonymized, encrypted, and never sold/shared with third parties.

How We Use Your Information

We utilize the collected information in the following manners:

• To provide, operate, and maintain our application.
• To enhance, personalize, and expand our application.
• To comprehend and analyze your application usage.
• To develop novel products, services, and features.
• To process your transactions and manage your account.
• To communicate with you, directly or through partners, for customer service, updates, application- related information, marketing, and promotions.
• To process transactions and send related information, including purchase confirmations and invoices.
• To send technical notices, updates, security alerts, support, and administrative messages.
• To detect and prevent fraudulent transactions, other illegal activities, and protect [App Name]'s and others' rights and property.
• To link or combine with information from third parties to understand your needs and provide better service.

Sharing Your Information

We may share collected information in the following circumstances:

With Service Providers: We might share your information with third- party service providers to perform tasks on our behalf, such as data analysis, marketing assistance, payment processing, and customer service.

For Legal Reasons: We may share your information if we believe in good faith it is necessary to comply with legal obligations, protect and defend our rights or property, prevent fraud, or safeguard user or public safety.

Business Transfers: We may share or transfer your information in connection with, or during negotiations of, mergers, asset sales, financing, or acquisitions of all or part of our business.

Security of Your Information

We employ administrative, technical, and physical security measures to protect your personal information. While we take reasonable steps to secure your provided information, please be aware that no security measures are infallible, and data transmission cannot be guaranteed against interception or misuse.

Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal data:

• Right to Access: You can request copies of your personal data.
• Right to Rectification: You can request correction of inaccurate information or completion of incomplete information.
• Right to Erasure: You can request the erasure of your personal data under certain conditions.
• Right to Restrict Processing: You can request restriction of your personal data processing under certain conditions.
• Right to Object to Processing: You can object to our processing of your personal data under certain conditions.
• Right to Data Portability: You can request transfer of collected data to another organization or directly to you under certain conditions.

If you make a request, we have one month to respond. To exercise these rights, please contact us at the provided contact information.

Changes to This Privacy Policy

We may update our Privacy Policy periodically. We will notify you of changes by posting the new policy on this page. Please review this policy regularly for changes. Changes are effective when posted on this page.

Contact Us

If you have questions about this Privacy Policy, please contact us:

E-mail: Ozzycreditzambiaservice@outlook.com

Contact number: +260

Contact address: RC59+RRW, Solwezi, Zambia

Company name: LOTUS MICRO FINANCE