This service is operated by MU COMPANY LIMITED ("we", "us", or "our"). This Privacy Policy explains how CediZip collects, uses, stores, discloses, and safeguards your personal data. By accessing or using our services, you acknowledge that you have read, understood, and consented to this policy in its entirety. If you disagree with any provision, please discontinue use immediately.
Welcome to CediZip. We prioritize your privacy. This Privacy Policy outlines how we gather, utilize, share, and safeguard your information when you employ our mobile application. Kindly peruse this policy attentively. If you disagree with its stipulations, refrain from accessing the application.
Including name, gender, date of birth, marital status, etc.
Including job type and monthly income
The data selected or filled in by the user from the address book, including the relationship with the contact, the contact name and the contact number
Including the payment account information provided by the user himself and the account information used for payment.
A valid government-issued ID photo that proves the user's identity.
User's own personal selfie
The above interactive information is an important basis for your loan application review. This information will be safely retained in our server and will not be shared with third parties. You can also choose to delete your personal user data.Your face information will be encrypted and transmitted to https://www.tensinfo.net. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
What information do we collect?
a. After obtaining your authorization for SMS access, we only collect financial-related data from SMS messages.(This data includes: SMS message content, sender, recipient, and time of sending and receiving.)
b. We use keyword filtering and sent to https://www.tensinfo.net. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.
c. CediZip will not read and collect your SMS data when the app is closed or not in use.
Why do we request your device's SMS data?
We analyze financial data in user SMS messages to assess their debt, financial status, and financial activities, thereby assessing their credit and financial status. This serves as a crucial source of information for our anti-fraud and credit assessment efforts.
Data security
a.SMS data of users is filtered by keywords, and we only collect data related to financial activities. We do not collect private information.
b. We will fully disclose and declare SMS data to users before collecting SMS data, and we will collect SMS data only after users have authorized SMS permissions
c. Your SMS data will be encrypted and sent to https://www.tensinfo.net . After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.
CediZip requires nationwide mobile phone access to ensure that no unauthorized devices conduct activity under your name to prevent fraud. We will collect and track specific information about your device, including your phone model, OS version, screen size, device language, RAM size, and storage capacity. In addition, we will collect your device's unique identifiers, such as serial number and SSAID. We will also collect WIFI information, including WIFI status and mobile network details to ensure device identification. This information helps us improve your credit profile and assess your credit worthiness.
When you authenticate your identity, we will ask you to take a selfie photo by calling your device's camera. We will upload your selfie photo to our server for identity verification.
We will only ask you to take a selfie with the camera when you authenticate your identity. We will also only upload the only selfie photo you have confirmed to our https://www.tensinfo.net server after encryption.Your data will be protected and kept confidential.
Access to your device storage requires your permission, which will allow you to upload photos and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server (https://www.tensinfo.net) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
We collect the contacts you select in your phone book, including the contact's name and phone number. The above information will help you select emergency contacts in your loan application and allow us to contact them when necessary to prevent fraud and monitor debt collection. This will enable us to better assess your credit status and manage our identification and credit portfolio management risks. We will upload your contact information to CediZip's server (https://www.tensinfo.net), and your data will be protected and kept strictly confidential.
We will collect the photos you select in the photo album, which will help you choose the corresponding ID photos to upload in your loan application. This will enable us to better assess your credit risk profile. We will upload your contact information to CediZip's server (https://www.tensinfo.net), and your data will be protected and kept strictly confidential.
What data we will collect
We will collect information about network-connected applications on user devices, including a list of applications that obtain INTERNET permissions, a list of applications that obtain ACCESS_NETWORK_STATE permissions, and the names, package names, versions, and other information of the applications in the list.
Why we request ?
We collect information about apps that obtain specific permissions on user devices. This information is intended to help us identify apps that are used to damage applications and potentially for anonymization and fraud, using the principle of least privilege. (For example, Fake GPS: fake location Super Clone: cloning software)
Data safety
a. We use the official and secure PackageManager API interface provided by Android and only used to identify third-party, non-system apps on the device that have been granted specific permissions (INTERNET, ACCESS_NETWORK_STATE). This feature is used for risk management and device environment assessment and does not involve user privacy or behavioral analysis.
b. The retrieved app list data will be GZIP compressed (using the gzipString() method) and encrypted for transmission to https://www.tensinfo.net and ensure data security.
c. CediZip will never share your data with any third party. Data collection will only occur with your consent.
We only collect service-related interactions (clicks, browsing, app launches/closes) to optimize functionality and security. Data is anonymized, encrypted, and never sold/shared with third parties.
We utilize the collected information in the following manners:
We may share collected information in the following circumstances:
We employ administrative, technical, and physical security measures to protect your personal information. While we take reasonable steps to secure your provided information, please be aware that no security measures are infallible, and data transmission cannot be guaranteed against interception or misuse.
Depending on your location, you may have the following rights regarding your personal data:
If you make a request, we have one month to respond. To exercise these rights, please contact us at the provided contact information.
We may update our Privacy Policy periodically. We will notify you of changes by posting the new policy on this page. Please review this policy regularly for changes. Changes are effective when posted on this page.
If you have questions about this Privacy Policy, please contact us:
E-mail: Cedizipghanaservice@outlook.com
Contact number: +233
Contact address：96C5+5RF, Tamale, Ghana
Company name：MU COMPANY LIMITED