Privacy Policy

NAIRARUSH CASH

Effective Date: June 27, 2026

Welcome to NAIRARUSH CASH, a mobile application operated by CORELITH TECH LIMITED ("we", "our", or "us"). This Privacy Policy explains how we collect, use, store, process, and protect your personal information when you use our Services.

We are committed to safeguarding your privacy and handling your personal information in accordance with the Nigeria Data Protection Act (NDPA 2023) and other applicable laws and regulations.

1. Information We Collect

To provide loan-related services, we may collect the following categories of information.

1.1 Personal Information

When you register or apply for a loan, we may collect:

• Full name
• Phone number
• Gender
• Date of birth
• Whatsapp Number
• Email address
• Bank Verification Number (BVN), where permitted by law
• National Identification Number (NIN), where applicable
• Government-issued identification
• Selfie or facial verification images

1.2 Financial Information

We may collect financial information including:

• Bank account details
• Account name
• Bank name

1.3 Employment Information

We may collect the employment information that you voluntarily provide, including:

• Occupation or profession
• Employment status

This information is used solely to assess your loan application, evaluate your eligibility, perform risk assessment, and provide loan-related services.

1.4 Income Information

We may collect income information that you voluntarily provide, including:

• Monthly income
• Source of income

This information is used solely for loan eligibility assessment and credit risk evaluation.

1.5 Education Information

We may collect education information that you voluntarily provide, including:

• Highest education level

This information is used to evaluate your loan application and improve our risk assessment process.

1.6 Emergency Contact Information

We may collect the emergency contact information that you voluntarily provide, including:

• Emergency contact name
• Relationship to you
• Phone number

This information is used solely to support your loan application and provide loan-related services.

1.7 Device Information

To improve security and prevent fraud, we may collect:

• Device model
• Operating system version
• Device identifiers
• IP address
• Mobile network information
• App version
• Device performance information

1.8 Location Information

With your permission, we may collect:

• Approximate location

Location data may be used to:

• Verify identity
• Prevent fraud
• Comply with regulatory requirements
• Improve service quality

1.9 Camera

With your permission, we may access your camera for:

• Identity verification
• Uploading identification documents
• Facial verification

1.10 Photos and Storage

With your permission, we may access your device storage to:

• Upload identity documents
• Upload supporting documents

2. Information We Do Not Collect

NAIRARUSH CASH does not collect the following types of information:

• SMS messages
• Contact lists
• Call logs
• Audio recordings
• Calendar information

We do not access, collect, monitor, or store these types of information on your device.

3. How We Use Your Information

• Create and manage your account.
• Verify identity.
• Evaluate loan applications.
• Disburse loans and process repayments.
• Prevent fraud and comply with legal obligations.
• Provide customer support.

4. Legal Basis for Processing

In accordance with the Nigeria Data Protection Act (NDPA 2023), we process your personal information based on one or more of the following legal grounds:

• Your consent.
• The performance of a contract or to take steps prior to entering into a contract.
• Compliance with applicable legal and regulatory obligations.
• Our legitimate business interests, provided that such interests do not override your rights and freedoms.
• The prevention and detection of fraud and other unlawful activities.

5. Information Sharing

NAIRARUSH CASH does not sell, rent, trade, or share your personal information with any third-party organizations, companies, or institutions for marketing or commercial purposes.

Your personal information is collected and used solely for providing and maintaining the services offered by NAIRARUSH CASH.

We will not disclose your personal information to any external organization or institution except:

• You have provided your explicit consent;
• Where disclosure is required by applicable laws, regulations, or a lawful request from a competent government authority;
• Where necessary to protect our legal rights, prevent fraud, investigate security incidents, or comply with legal obligations.

6. Data Storage and Security

We are committed to protecting your personal information through appropriate technical and organizational security measures. Your personal information is securely transmitted and stored on protected servers accessible only to authorized personnel who require access to perform their job responsibilities.

Our secure application services are provided through our official domain: https://api.nairarushcash.com. All communications between the App and our servers are encrypted using HTTPS/TLS to help safeguard your personal information during transmission.

We implement industry-standard security measures, including encryption, access control mechanisms, authentication procedures, and regular security monitoring to help prevent unauthorized access, disclosure, alteration, or destruction of your personal information. We also regularly review and enhance our security practices to maintain the confidentiality, integrity, and availability of your data.

7. Data Retention

We retain personal information only for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

8. Your Rights

You may request access, correction, deletion, restriction of processing, withdrawal of consent, or lodge a complaint with the Nigeria Data Protection Commission (NDPC), subject to applicable law.

9. Account Deletion

You may request deletion of your account through the App or by contacting customer support at any time. Once your request has been verified and processed, your account and all associated personal information will be permanently and irreversibly deleted from our systems. We do not retain, archive, or store your personal information after account deletion.

10. Third-Party Payment Services

To facilitate loan disbursements, repayments, and other payment-related transactions, NAIRARUSH CASH may use trusted third-party payment service providers. These providers process payment information only as necessary to complete the requested transaction and are required to protect your information in accordance with applicable laws and industry security standards.

11. Children's Privacy

This service is intended only for users aged 18 years or older.

12. Changes

We may update this Privacy Policy from time to time. Updated versions will be published with a revised effective date.

13. Contact Us

CORELITH TECH LIMITED

Product: NAIRARUSH CASH
Email: help@nairarushcash.com
Phone: +234 07026860904
Address: 6, ADEKOYA STREET ALAGBOLE, LAGOS, LAGOS STATE, NIGERIA

Consent

By using NAIRARUSH CASH, you acknowledge that you have read and agree to this Privacy Policy.