Privacy Policy

Easy Moni is a digital credit service provided by ERE EKO TECH SOLUTIONS LTD (“we”, “us”, or “our”). Through the Easy Moni application and our official website www.ereekotechsolutions.com, we provide credit-related services that enable users to apply for credit, complete identity verification, and manage their credit accounts.

To operate our credit services, we collect and process information necessary for identity verification, credit assessment, risk management, account administration, service improvement, and compliance with applicable requirements. This Privacy Policy explains how your personal information is collected, used, protected, and processed when you use Easy Moni.

We are committed to maintaining responsible data practices and protecting user information through appropriate security measures and privacy controls.

When you use Easy Moni, certain information may be collected from you, your device, or through permissions you choose to authorize. We collect only information necessary to support identity verification, credit assessment, account security, and the operation of our credit services.

1.1 Camera
Camera access may be used during the identity verification process to capture identification documents and perform facial liveness detection for KYC (Know Your Customer) verification. The collected images are used for identity verification, security review, risk control, and compliance purposes. We do not access unrelated photos, videos, or other media files stored on your device. Images collected through this process are protected through appropriate security measures during transmission and storage.

1.2 SMS
With your authorization, Easy Moni may collect SMS information related to financial activities, such as transaction notifications, payment records, and other relevant financial messages. This information helps support transaction verification, account security checks, and fraud prevention. We do not access or process unrelated SMS content, and collected information is handled securely for purposes connected with our services.

1.3 Approximate Location
Approximate location information may be collected to help verify account activity, detect unusual behavior, and strengthen fraud prevention measures. This information is used for security and risk management purposes and is not used for continuous tracking or precise location monitoring. You may manage location permissions through your device settings.

1.4 Installed Applications Information
Easy Moni may collect information about certain applications installed on your device, particularly applications related to banking, payments, or financial services. This information may be used to support credit evaluation, risk analysis, and fraud prevention. We do not access the content, accounts, or personal information stored within installed applications.

1.5 Personal Information You Provide
During registration and the credit application process, you may provide personal information required to verify your identity, evaluate your credit profile, manage your account, and provide related services. This information may include:

• Account Information: Mobile number and basic registration details used to create your account, verify your identity, and maintain communication related to our services.
• Identity Information: Full name, national identification details, and date of birth used to confirm your identity, complete KYC procedures, and meet applicable compliance requirements.
• Personal Profile Information: Age, gender, education background, and other personal details used to support service evaluation and improve our assessment processes.
• Employment and Financial Information: Employment type and income-related information used to understand your financial profile, evaluate repayment capability, and support credit-related decisions.
• Household and Relationship Information: Marital status and related personal profile details used as part of risk analysis and application evaluation.
• Payment Information: Mobile Money wallet details used for credit disbursement, repayment processing, and other payment-related activities.

1.6 Device Information
We may collect basic device information, including device model, operating system version, and device identifiers, to maintain application performance, improve compatibility, protect account security, and identify suspicious or duplicate activities.

1.7 Emergency Contacts
You may voluntarily provide emergency contact information, including a contact person's name and phone number, during the application process. This information is used only when necessary for account-related communication or urgent situations. It is not used for advertising or marketing purposes.

1.8 Advertising Identifier
We may use analytics services such as AppsFlyer to collect advertising identifiers, application usage information, and attribution data. This information helps us measure advertising performance, analyze application usage, improve services, and prevent fraudulent activities. You may manage advertising preferences through your device settings.

The information collected through Easy Moni is processed only for purposes directly related to providing, managing, and improving our credit services. We use personal information for the following activities:

• Identity Verification: To verify user identity, complete KYC procedures, and support compliance obligations.
• Credit Application Assessment: To review submitted applications, evaluate eligibility, and support credit-related decisions.
• Account Protection and Risk Management: To maintain account security, identify suspicious activities, prevent fraud, and protect our services.
• Credit Service Operations: To support loan disbursement, repayment processing, account management, and related service activities.
• User Communication and Support: To provide necessary notifications, respond to inquiries, and communicate important information related to your account or services.
• Legal and Regulatory Compliance: To meet applicable legal requirements, regulatory obligations, and requests from authorized authorities where required.

We do not use your personal information for purposes unrelated to the operation and improvement of Easy Moni services.

Easy Moni uses information collected through the application process and your use of our services to support credit evaluation, security reviews, and risk management activities. These processes help us understand application information, maintain service reliability, and reduce risks associated with fraudulent or unauthorized activities.

The information used for evaluation may include information you provide directly, information collected through authorized device permissions, transaction-related information, and technical information associated with your device. We analyze this information to support responsible credit decisions and improve the accuracy of our risk assessment processes.

We may use automated tools, internal review procedures, and risk management technologies to assist in evaluating applications and identifying potentially suspicious activities. These measures are designed to improve service security, prevent fraud, detect abnormal usage patterns, and protect both users and our services.

Credit evaluation results may affect certain service features, including application review, eligibility assessment, or available credit options. We do not use personal information for purposes unrelated to providing, securing, and improving Easy Moni services.

Easy Moni respects the confidentiality of your personal information. We do not sell, rent, trade, or share your personal information related to credit applications, identity verification, financial information, or account activities with any third party for marketing or unrelated purposes.

Your personal information is used only for purposes directly related to providing and improving Easy Moni services, including identity verification, credit evaluation, account management, security protection, and compliance requirements.

Certain limited information may be processed by trusted technology providers that support specific operational functions, such as application analytics, advertising attribution, and security monitoring. These providers only process information necessary for the specific service purpose and are not permitted to use your personal information for independent marketing or unrelated activities.

We may disclose information when required by applicable laws, regulations, legal procedures, or requests from authorized government or regulatory authorities. We may also disclose information when necessary to protect the security, rights, or legitimate interests of Easy Moni, our users, or the public.

Easy Moni may use limited third-party technical services to support application operations, analytics, advertising measurement, and security-related functions. These service providers process information only for the purposes necessary to provide their services and are required to handle information appropriately.

We use AppsFlyer for advertising attribution, application performance analysis, and campaign measurement. AppsFlyer may process information such as advertising identifiers, device-related information, and application usage data to help us understand user acquisition performance, improve marketing activities, and detect potential fraudulent activities.

Easy Moni applies appropriate technical and organizational measures to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. We continuously maintain security practices designed to protect the confidentiality and integrity of information collected through our services.

We use security controls such as encrypted data transmission, protected storage environments, access restrictions, and monitoring procedures to help safeguard your personal information. Access to personal information is limited to authorized personnel and systems that require such access for legitimate service purposes.

We retain personal information only for the period necessary to fulfill the purposes described in this Privacy Policy, provide our services, maintain account records, resolve disputes, comply with legal obligations, and enforce applicable agreements.

When personal information is no longer required for these purposes, we will take reasonable steps to delete, anonymize, or securely dispose of such information in accordance with applicable privacy and data protection requirements.

Easy Moni respects your rights regarding your personal information and provides appropriate options to help you manage how your information is processed. Depending on applicable privacy laws and regulations, you may have the following rights:

• Right of Access: You may request information about whether we process your personal information and obtain details regarding the categories, purposes, and handling of such information.
• Right to Correction: You may request updates or corrections to personal information that is inaccurate, incomplete, or outdated.
• Right to Deletion: You may request deletion of your personal information where permitted by applicable laws, including when the information is no longer necessary for the purposes for which it was collected.
• Right to Restrict or Object: You may request limitations on certain processing activities or object to specific uses of your personal information where applicable.
• Permission Management: You may review or change device permissions, including camera, location, and other authorized access, through your device settings.
• Account Closure: You may request closure of your Easy Moni account through available account management options or by contacting us.

Please note that withdrawing certain permissions or requesting deletion of specific information may affect our ability to provide some services, including identity verification, credit assessment, or loan-related functions.

To exercise your privacy rights or submit related requests, please contact us using the information provided in the “Contact Us” section. We will review and respond to your request within the timeframe required by applicable laws and regulations.

Easy Moni is designed for users who meet the applicable legal age requirements for accessing credit services. We do not knowingly collect or request personal information from children or individuals who are not legally eligible to use financial services.

If we become aware that personal information has been collected from a child without appropriate authorization or in violation of applicable requirements, we will take reasonable steps to review and remove such information where necessary.

Parents, guardians, or users who believe that a child has provided personal information to Easy Moni may contact us through the details provided in the “Contact Us” section so that we can review and address the request.

We may update this Privacy Policy from time to time to reflect changes in our services, business practices, legal requirements, or privacy protection standards.

When significant changes are made to this Privacy Policy, we will provide appropriate notice through the Easy Moni application, our official website, or other available communication methods. The updated version will indicate the latest revision date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect and process your personal information. Your continued use of Easy Moni after an updated Privacy Policy becomes effective means that you acknowledge the revised terms.

If you have any questions, comments, requests, or concerns regarding this Privacy Policy, your personal information, or our privacy practices, you may contact us through the following details:

ERE EKO TECH SOLUTIONS LTD
Email: info@ereekotechsolutions.com
Website: www.ereekotechsolutions.com