Permission Statement

To enjoy our financial services and support our anti-fraud systems, we may collect and synchronize the following information with your prior permission while using our application:

SMS (Financial Transaction Messages Only) Upon your explicit consent, our application may access SMS messages on your device to collect information specifically related to financial transactions.
- Data Collection Scope: We restrict SMS access to financial transaction-related messages in the device’s inbox from the past 110 days, and filter data through predefined keywords (e.g., “loan”, “bank”, “payment”, “overdue”). We do not access or collect SMS messages involving personal or non-financial content (such as social, travel, or entertainment messages).
- Information Captured: The extracted metadata is limited to sender identifiers, content snippets, and timestamps. This method aims to minimize data collection, retaining only elements essential for achieving the intended purposes while excluding any irrelevant details.
- Purpose of Use: We utilize your financial SMS information to assess your cash flow patterns, which supports credit evaluation, risk modeling, identity verification, and fraud prevention. The relevant data will not be used for advertising or other unrelated activities.
- Data Processing and Security: Content matching the specified financial keywords is encrypted using advanced encryption protocols (e.g., HTTPS/TLS) and securely transmitted to our servers (https://hicreditandroid.maywoodlendinglimited.com/) . We commit not to disclose this information to any third party. Records derived from these messages will be retained for 120 days to facilitate fraud investigations and dispute resolution, after which they will be permanently deleted.
- User Controls: You may revoke SMS access permissions at any time through your device settings, which will immediately halt further data collection. Please note that disabling this permission may affect services that rely on this functionality, such as loan processing or fraud detection. For any other data management requests, please contact our support team through the application or our website.
Phone State Permission
- Purpose: To ensure transaction security, prevent fraud, and provide accurate services, we collect your phone state information.
- Usage: We collect your mobile number, IMEI, IMSI, device model, network status, and IP address.
- Security: This information is encrypted through HTTPS https://hicreditandroid.maywoodlendinglimited.com/ and will not be shared without your consent.
Contact List Permission
- Purpose: To enhance risk control and simplify adding emergency contacts, we request access to your contact list. Only the emergency contact information you select and authorize will be uploaded, strictly for the purpose of safeguarding your security.
- Usage: Users will be explicitly informed and consent will be obtained prior to the collection and processing of their emergency contact information. Users should inform their emergency contacts in advance and obtain their consent before providing them with emergency contact information. Users can withdraw their consent at any time, and we will stop processing the information after withdrawal.We collect your emergency contact’s name、 phone number and relationship with you;
- Security: The data is encrypted through HTTPS https://hicreditandroid.maywoodlendinglimited.com/ and will not be shared without your consent.
Installed Applications
Data Collected
With your explicit authorization, we may collect limited metadata about the applications installed on your device. This may include:
- Application names
- Package names
- Version information
- Installation times
- Last update times
- Lists of permissions requested by the applications This information is used solely to help us identify malicious software and virtual or fake devices. We do not collect any data beyond this metadata and we do not access any in-app content (such as messages, photos, files, account credentials, or transaction records), nor do we track how you use those third-party applications. Purposes of Use
- Ensure Secure Transaction Environment
  We verify that your device is operating in a secure and trusted application environment during critical operations (such as loan applications, adding payment cards, or repayment actions). This helps protect your account and your overall financial security.
- Prevent Fraud
  By analyzing information about the device environment together with the installed-application list, we can identify fake devices, emulators, and illegal toolkits that are frequently used for fraudulent activities. This enables us to block high-risk or fraudulent loan applications and protect genuine users.
  Data Security and Sharing
  All installed-application metadata is encrypted and transmitted via HTTPS to our dedicated server at https://hicreditandroid.maywoodlendinglimited.com/. Access to this information is strictly limited to authorized personnel and systems that require it for security and fraud-prevention purposes. We do not sell this data and do not share it with third parties for their own marketing or advertising purposes. We will not share the collected data with third parties without your consent, except:
- With trusted service providers who support our security and fraud-prevention functions under strict confidentiality and data-protection obligations; or
- When required to do so under applicable laws, regulations, or by competent authorities. We retain this data only for as long as is reasonably necessary to fulfill the security and fraud-prevention purposes described above and to comply with applicable legal or regulatory requirements. Our app accesses installed-application metadata only to the minimum extent necessary for these purposes.
Album pictures
- Purpose: We use the album images you actively choose to accurately locate and solve problems, as well as optimize our functional services. We promise not to use them for advertising or other unrelated purposes.
- Usage: We only have access to your photo album or media library with your active and explicit authorization. You are free to choose and upload specific photos so that we can provide you with more accurate diagnosis and problem solving services, and we will never browse all of your album content without authorization.
- Security: In order to further strengthen your privacy protection, we only share these images with rigorously screened image processing partners and use HTTPS encryption technology to safeguard your data security at every stage of data transmission and storage. Once the issue is resolved or you request deletion, we will process it promptly to ensure that these images are deleted in a timely manner and only retained for the necessary period.
Approximate Location
- **Data Collected: **Upon obtaining your explicit authorization, we will collect and encrypt approximate location data, including city or regional-level positioning information (excluding precise street addresses).
- **Purpose: ** 1. Service Area Verification: To confirm that your geographical location is within Nigeria and falls under our authorized service coverage areas, ensuring that we can effectively provide loan services. **2. Fraud Detection and Risk Control: **By monitoring and identifying suspicious login locations, we conduct fraud detection and risk management to prevent unauthorized access and protect user accounts. **3. Compliance with Financial Regulations: **Such as Anti-Money Laundering (AML) and Know Your Customer (KYC) reviews, to ensure adherence to legal requirements.
- Security: This information is encrypted through HTTPS https://hicreditandroid.maywoodlendinglimited.com/ and will not be shared without your consent.