Welcome to Lairaplus. As a financial service platform provided by Grola Tech Credit Limited in Nigeria, we are deeply committed to protecting the privacy of our local users. This Privacy Policy outlines how we collect, use, and store your information, while also underscoring our strict adherence to Nigeria's data protection regulations. We are dedicated to providing you with a secure and transparent experience, empowering you with full control over your personal information.

We are committed to protecting our users' privacy and only collect and use data when necessary. As an online financial service application, we require certain information from you to ensure the security of your funds, understand our users better, and deliver our services. The types of data we collect and their purposes include:

Personal Information: When you create an account, we may collect your name, email address, residential address, phone number, BVN, and some basic information related to your household and income. This information is used to provide personalized services, verify your identity, manage your account, and maintain communication with you. While using our app, you have the option to decide whether to provide this data.

App Usage Information: We collect behavioral data while you use the app, such as session duration, click events, and the pages you visit within our app. This data helps us improve our services, enhance user experience, and perform statistical analysis.

The following are the permissions we will request access to, and we will only proceed with accessing them upon your consent. You may choose to decline providing these permissions; however, this may affect your ability to use certain features of our services.

Device: LairaPlus requests access to basic device information, such as Android version, device brand, operating system, screen size, and system language. This data helps us ensure that our app runs smoothly across a wide range of devices and allows us to quickly identify and resolve technical issues specific to certain models or system environments. The information collected is non-personal, does not include any sensitive user data, and is used solely for performance optimization and debugging purposes. All data is securely handled and is never shared with unauthorized third parties.

Camera: In certain scenarios, such as applying for a loan, we will request access to your device's camera for liveness detection. This is necessary to ensure that the applicant is indeed you, helping to protect your account and prevent unauthorized access. By granting this permission, you allow us to capture real-time images to verify your identity.

We are committed to safeguarding your privacy. Any images captured through liveness detection will be encrypted and securely stored, and they will only be used for identity verification purposes. We will not share your images with any third parties without your explicit consent.

Please note that granting camera access is required for liveness detection. Without this permission, you may not be able to fully utilize our services, such as completing loan applications. However, we will only activate the camera with your explicit consent, and you can choose to disable this permission at any time through your device settings.

Location: We collect your approximate location based on your IP address to help verify that your account activity is consistent with your usual region and to prevent fraudulent behavior. This information is used solely for security and risk control purposes and is securely transmitted to our servers （https://credit.lairaplus.cc） for analysis.

SMS: As part of our credit evaluation service, we request access to specific SMS messages strictly related to financial transactions, such as bank notifications or payment confirmations. This access allows our system to automatically detect and process key financial information to help assess your creditworthiness. We use keyword-based filtering to ensure that only relevant financial messages are scanned—personal, promotional, or unrelated messages are completely ignored and never collected. All extracted data (e.g., sender name, timestamp, transaction amount) is securely encrypted and transmitted to our servers（https://credit.lairaplus.cc） for internal analysis only. This permission is optional, and you may decline or revoke access at any time. Please note that declining SMS access may affect the accuracy of our loan eligibility assessment. We do not share any SMS data with third parties without your explicit consent.

Applist: With your consent, we collect information about the apps installed on your device, including app names, package names, installation and update times, version names, and version codes. This data is used to assess your creditworthiness by identifying potential existing loans with other platforms and evaluating your repayment capacity. The information is collected only during relevant app usage and is securely transmitted to our servers（https://credit.lairaplus.cc） through encrypted channels.

AD_ID: By granting this permission, we will automatically collect your Google Advertising ID (GAID) to analyze advertising-related data. This helps us gain insights into your interactions with ads, allowing us to optimize personalized ad displays and improve the accuracy and effectiveness of ad targeting. The feature ensures that the ads you see are more aligned with your interests and preferences, thereby enhancing your overall user experience. Your device information is solely used for ad optimization and will not be utilized for any other purposes..

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To Provide and Maintain Our Services: The success of financial services is built on trust between the user and the provider. We need to understand the user's basic financial situation to determine whether we can offer our services.

To Improve and Optimize User Experience: By collecting user behavior data within our app, we can optimize app functionality, improve compatibility, and enhance the overall user experience.

To Manage Accounts and Provide Customer Support: Certain personal information, such as account details, helps us promptly assess the status of user accounts and efficiently provide feedback and solutions when needed.

To Perform User Identity Verification and Security Checks: As a financial product, we are committed to ensuring a secure environment for our users. We verify user identities to ensure that each action is performed by the account holder, preventing unauthorized individuals from using user information for illegal activities.

To efficiently provide our services, all data collected, including personal and financial information, will be encrypted and uploaded to our servers. This data upload is necessary for the analysis, processing, and decision-making required to facilitate loan approval and other services we offer. Additionally, certain data may be shared with authorized third-party partners for purposes such as identity verification, credit evaluation, fraud prevention, and transaction processing, all of which are essential to delivering our services.

We ensure that all third parties with whom we share data adhere to strict security and data protection standards in compliance with applicable laws. Your data will not be shared with any unauthorized third parties, and we will not use your data for any purposes outside of our business scope.

If you have any questions, concerns, or requests regarding this Privacy Policy or the protection of your personal information, you can contact us through the following channels:

Phone: +2347042475161

We will make every effort to address your inquiries promptly and resolve any issues related to your privacy.

We are committed to retaining user data only for as long as necessary to fulfill the business purposes for which it was collected, including identity verification, credit evaluation, fraud prevention, and transaction processing. The duration of data retention will vary depending on the nature of the data and the legal or regulatory requirements.

Once the business purposes are fulfilled, and there are no legal, regulatory, or legitimate business reasons to retain the data, we will securely delete or anonymize your personal information in accordance with applicable laws. Users can also request the deletion of their data at any time, subject to legal and regulatory obligations.

We value our users' control over their personal information and provide the following data control options:

Consent and Permission Management: Users can independently decide whether to grant specific permissions to the app (e.g., location, camera). If you choose not to grant certain permissions, some app features may not function properly, but this will not affect your ability to access or use the app's core functionalities.

Access and Correction of Personal Information: Users have the right to access, view, and update their personal information at any time. You can modify your profile through the app settings or by contacting customer support to ensure the accuracy and timeliness of your information.

Account and Data Deletion: Users have the right to request the deletion of their account and associated data at any time. Upon receiving a deletion request, we will delete your personal information in accordance with applicable laws and regulations. Please note that after your account is deleted, you may no longer be able to continue using our services.

Withdrawal of Consent and Restriction of Data Use: Users can withdraw their consent for our use of their personal data at any time, or restrict the use of specific data. You can modify data usage permissions through the app settings. Please note that withdrawing consent may affect our ability to provide some services.

Opt-Out of Data Sharing or Sale：We respect your privacy and provide you with the option to control how your personal data is shared or sold to third parties. If you do not wish for your personal data to be shared or sold, you can opt-out by following the steps below:

In addition to opting out, users have the right to know whether their personal data has been shared or sold to third parties. To request information about how and with whom your data is shared or sold, please contact our customer service through the provided channels. We will provide you with the relevant details in compliance with applicable laws.

Data Sales Disclaimer: We do not sell personal data to third parties. However, if any such practices change in the future, users will be notified and given the option to opt-out of data sales.

Right to Data Portability: Users have the right to request a copy of their personal data, enabling them to transfer their data to another service. We will provide this service within the limits of applicable laws.

Challenging Automated Decisions: If our services involve automated decision-making (e.g., credit scoring), users have the right to request detailed information about the automated decisions and have the right to challenge or request human intervention.

Users can withdraw their consent for our processing of personal data at any time or choose to restrict our use of specific data. You can take the following steps to manage this:

Withdrawing Consent: Users can navigate to the data privacy options in the app settings and choose to withdraw consent for certain permissions or data processing activities. For example, you may decide to stop sharing location data or revoke camera access. Withdrawing consent will not affect the lawfulness of data processing based on prior consent, but it may result in the limited functionality of certain features.

Restricting Data Use: Users can also choose to restrict the use of specific data, allowing us to use it only in certain circumstances. For example, you may choose to allow us to use your contact information only for account verification and not for any marketing purposes.

Please note that withdrawing consent or restricting data use may affect our ability to provide certain services. If you wish to continue using these services after withdrawing consent, you may need to re-enable the necessary permissions.

We do not sell personal data. However, users have the right to request confirmation regarding this.

We respect the right of our users to know whether their personal data is shared with third parties. You have the right to request information about how and with whom your data is shared. To request this information, please contact our customer service through the provided contact channels. We will provide details in accordance with applicable laws.

Sharing Information for Transfers：When a user initiates a transfer, we may need to share the user’s name and recipient account information with relevant third-party companies. This information is solely used to process the transfer request, ensuring that funds are securely and promptly transferred to the designated account. We strictly follow data protection agreements to ensure that user information is not used for any purposes other than the transfer.

Sharing Information for Identity Verification：To verify the authenticity of a user's identity, we will share the user’s Bank Verification Number (BVN) with authorized credit agencies. This information is used exclusively for identity verification, ensuring that the user's identity is legitimate and preventing fraud or identity theft. We ensure that the credit agencies comply with strict data protection standards and do not use the user’s BVN for any other purposes.

We do not provide our services to users under the age of 18. If we become aware of any user under this age attempting to use our services, we will promptly terminate their access and delete any collected information. For further inquiries, please contact us at （+2347042475161）.

We reserve the right to update or modify this Privacy Policy at any time. If we make any significant changes to how we collect, use, or share your personal information, we will notify you by:

Your continued use of our services after such changes will constitute your acknowledgment and acceptance of the updated Privacy Policy. We encourage you to review this policy periodically to stay informed about our privacy practices.

If you have any questions, concerns, or requests regarding this Privacy Policy or the protection of your personal information, you can contact us through the following channels:

Email: support@lairaplus.com

Phone: +2347042475161

We will make every effort to address your inquiries promptly and resolve any issues related to your privacy.