Privacy Policy – ESN Microcredit

1. Information We Collect

a. Personal Information

We may collect:

• Full name
• Phone numbers
• Loan account details
• Payment history
• Device information related to your financed phone

b. Automatically Collected Information

• Device model
• App usage analytics
• Crash logs
• IP address
• Network type

c. Mobile Payment Information

When you initiate a payment, we may receive:

• Transaction ID
• Amount paid
• Status (completed, failed, pending)
• Timestamp

We do NOT store PINs, mobile money passwords, or SIM toolkit data.

2. How We Use Your Information

We use your data to:

• Verify your identity
• Display loan and payment information
• Send payment reminders
• Process unlock requests
• Improve customer service
• Prevent fraud and unauthorized use
• Maintain and improve the app

3. Sharing of Information

We may share necessary information with:

• Mobile network operators (for payment verification)
• SMS providers
• Device management partners (for unlock/lock status)
• Regulatory authorities when required by law

We never sell customer data.

4. Data Security

We use industry-standard security measures including:

• Encrypted communication (HTTPS/TLS)
• Secure data storage
• Restricted internal access

However, no system is 100% secure. Users must safeguard their phones and SIM cards.

5. Your Rights

You may:

• Request access to your data
• Correct inaccurate information
• Request deletion of certain optional data
• Contact support for account assistance

6. Children's Privacy

The Service is not intended for individuals under the age of 18.

7. Changes to This Policy

We may update this policy and will revise the "Last Updated" date.

8. Contact Information

If you have questions or privacy requests: