Privacy Policy
Effective Date: July 18, 2025
At Xcredit, we are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our mobile application and loan services.
By using Xcredit, you consent to the practices described in this Privacy Policy.
We collect the following categories of information:
l Full name, ID number (e.g., national ID, passport)
l Date of birth
l Phone number and email address
l Address and residential information
l Photographs or identity document scans
l Mobile wallet details
l Credit history and repayment behavior
l Employment and income information
l Device identifiers (IMEI, Android ID, etc.)
l Location data (GPS, network location)
l Information from credit bureaus or financial partners
l KYC/AML checks from regulatory or partner databases
We use your information to:
l Assess your eligibility for a loan
l Verify your identity
l Disburse and manage loans
l Process repayments
l Detect and prevent fraud or illegal activity
l Communicate important updates or promotions
l Comply with legal obligations
We may share your data with:
l Credit bureaus and financial institutions (for scoring and reporting)
l Collection agencies (for overdue loans)
l Regulatory authorities (if required by law)
l Third-party service providers (e.g., cloud storage, analytics, payment gateways)
l Our subsidiaries or affiliated companies (for operational purposes)
l We do not sell your personal data to third parties.
Depending on your jurisdiction, you may have the right to:
l Access the personal data we hold about you
l Request correction of inaccurate data
l Request deletion of your data (subject to legal obligations)
l Withdraw consent for certain data uses
l Lodge a complaint with a data protection authority
l You can exercise your rights by contacting us at lksnvgcredit@gmail.com.
We use strong encryption, firewalls, and secure servers to protect your data. Access is strictly limited to authorized personnel. However, no online system is 100% secure, so we cannot guarantee absolute security.
We retain your personal data only as long as necessary to:
l Fulfill our contractual obligations
l Comply with legal, regulatory, and accounting requirements
l Resolve disputes and enforce our rights
7. Children’s Privacy
Xcredit services are not intended for individuals under 18. We do not knowingly collect data from children.
The App may contain links to external sites. We are not responsible for the privacy practices of those sites.
We may update this Privacy Policy from time to time. We will notify you through the App or via email. Continued use of Xcredit after changes indicates acceptance.
For any questions, concerns, or complaints regarding this policy or your data:
Email: lksnvgcredit@gmail.com
Company Address: PIKINE NORD DAROU KHOUDOSS PLLE No8051