The Personal Information that we collect generally falls into the following categories:

We collect Personal Information when you provide it directly to us at the point of request or during the course of the use of any of our products or Services. So when you sign up to use, order or request information about our products or Services, participate in a Deepwell program or promotion, subscribe to marketing communications, or request support, you may be asked to supply your Personal Information to facilitate the delivery of the specific product(s) or Services.

Particularly, we may collect information to facilitate card issuance, account opening and monitoring, fraud prevention, general risk management, and customer relations. This information may include your name, password, email address, location information, phone number, date of birth, gender, Bank Verification Number, National Identification Number, permanent residential address, phone contact, personal account number, country of residence, passport number, and other national ID numbers, employment details (for example, the organization you work for, your job title) .etc.

Government-issued means of identification could be uploaded as a png or jpeg image on our App.

In the course of our business relationship with you—for instance, when requesting a loan from Deepwell—we may collect information regarding your workplace (including the name, size and location of the company you work for and your role within the company), billing address and payment details (e.g, credit/debit cards, bank details, and other information required for billing and fraud prevention); family and friends information (such as details about your next of kin and beneficiaries); information concerning lifestyle and economic circumstances; employment details; financial details; and (z) other personal information when you reach out to us through the Contact Us form on our website, communicate with us over the phone, or via email and other electronic means to initiate a business relationship, make general enquiries, or file a complaint about our Services. Additionally, we may request access to your phone contacts for when you request to purchase airtime either for self use or a third party. We may also keep a record of our correspondence with you in order to assist you in the future.

Finally, we may also collect Personal Information from you offline, such as call recording and chat transcript data when you contact our sales and customer representative teams or contact information when you attend or participate at any of our events or webinars.

When you visit or use our Online Channels, we may automatically collect certain information about your device. These may include information captured by web beacons and cookies technologies we deploy, computer and connection information (e.g. browser plug-in types, versions, time zone setting, and operating systems, device information (e.g. device brand and model, screen dimensions, etc.), unique identification numbers (e.g. Internet Protocol address and device ID), browser information (e.g. URL, browser type, pages visited, date/time of access). Primarily, we collect this information to improve our website and applications’ user interface and experience.

During your visits, we may also use tools such as JavaScript to measure and collect session information including page response times, download errors, length of visits to certain pages, and page interaction information. We may also collect technical information to help us identify your device for fraud prevention and diagnostic purposes.

We may obtain your Personal Information from third-party services and organizations (such as entities we use for customer identification validation and account details verification), agencies, such as credit reference, debt collection, fraud prevention, and government agencies, or from third-party sources such as publicly available databases. We may also collect your Personal Information from our Online Channels partners, such as third-party web analytics services, including Google Analytics, which collect data (such as website usage) in connection with our Online Channels and help us evaluate your use of and interaction with our Online Channels. (You may learn about Google’s advertising features, including Google Analytics currently available opt-out mechanisms, here.)

By accepting the Deepwell privacy terms, you have given consent to the collection and processing of your personal information for legitimate business purposes, including but not limited to determining your creditworthiness. Additionally, you attest that all the information you have provided is accurate and true, and you hereby grant Deepwell and Pngme permission to check the accuracy of the information you have provided and conduct any necessary research on it using the references you have given and any other reliable sources.

You hereby grant Pngme and Deepwell permission to process any personal information and records relating to you that may be obtained from third parties for this purpose, including government agencies, your employer, credit bureaus, business partners, and other entities Pngme may deem appropriate and sufficient in the conduct of your business, sensitive or otherwise.

You also acknowledge that regardless of whether your credit score is established or the loan is approved, Pngme may use and communicate with this application, all supporting papers, and any additional information related to it. You also expressly and irrevocably consent to Deepwell and Pngme disclosing any information about you to any bank, affiliate, or other financial institution. You expressly consent to the following disclosures of your basic credit information: 1) on a regular basis; 2) to other lenders and fully authorized credit reporting agencies; and 3) to recipients of your basic credit information.

All of these terms apply only when PngMe is given authorization.