Privacy Policy
Last Updated: [2026-07-17]
Trymoni Loan - Privacy Policy
Trymoni Loan prioritizes your privacy and believes you deserve full clarity on how your personal data is collected, used, and secured. To offer you a smooth loan approval journey, we request access to specific data on your device solely for security and fraud prevention purposes. All information gathered is stored safely and applied strictly to service-related activities. Last updated: May 19, 2026.
Location Information
Your location details are accessed to safeguard the security of your account and our lending platform. We gather approximate coordinates, including latitude and longitude, to help us detect and prevent potentially fraudulent activities such as unauthorized access originating from other countries. Our location usage is strictly limited to fraud prevention purposes. All location data is encoded and transmitted securely via HTTPS to our server.
Application List
We analyze the applications you have installed to prevent fraud. The data collected includes application name, version, and installation date. We do not collect any personal information from the applications.
Notifications
From time to time, you may receive push notifications on your device about special offers, payment reminders, and significant account updates. These notifications are entirely optional and can be disabled whenever you choose, without affecting the core features of the application.
Device Information
When you submit a loan application, we collect device details to verify your identity and guard against fraudulent activity. The information we gather includes device model, operating system version, manufacturer, screen size, default language, time zone, display settings, processing capacity, and environmental markers including root status and emulator detection. This enables us to assess risk and maintain the security of your account. All device data is encoded and sent to our servers via HTTPS.
Network Information
Network details, including your IP address, connection status, and connection type, contribute to our risk assessment and help prevent data loss during poor network conditions. Our evaluation may also include Wi-Fi network attributes, SIM carrier name, and network classification. All such data is transmitted securely via HTTPS to our server.
KYC (Know Your Customer)
Using our platform may require you to provide certain personally identifiable information. For Nigeria, the data we collect includes your first name, middle name, last name, date of birth, gender, education degree, BVN, NIN, work status, frequency of salary paid, monthly income, and pay day. We also gather your region, city, and marital status.
Emergency Contact
As part of our KYC process, you are required to provide two emergency contacts. The first emergency contact includes the contact's name, phone number, and relationship to you. The second emergency contact likewise includes the contact's name, phone number, and relationship to you. We never request contacts permission, and we do not collect any contact information beyond what you directly provide. This data is transmitted securely via HTTPS.
Data Collection Methods
Your personal data is collected through two main methods. The first method involves manually filling in your KYC information. The second method involves automatic collection; when you apply for a loan, we gather the device information described above. Our server address: https://nrkbcl.trymoni-viotrim.com/nrdjwz/
Data Utilization
Your personal data is used for identity verification, credit scoring and loan eligibility assessment, payment monitoring and debt collection, and risk evaluation to confirm you are a genuine applicant. By using Trymoni Loan, you accept the data handling practices described in this policy. Your consent enables us to deliver a secure, transparent, and personalized loan experience tailored to your financial situation.
Third-Party SDKs
To deliver and improve our services, we utilize third-party SDKs.
Firebase SDK, developed by Google, concentrates on application stability and performance by leveraging crash reporting and diagnostic tools to help developers enhance app quality.
AppsFlyer SDK concentrates on advertising effectiveness measurement, employing attribution analytics and performance metrics to trace the channels through which users discover and access the app.
The following policies regarding data collection and utilisation have been implemented to protect the privacy of our users.
1. DEFINITION
Unless otherwise defined herein, capitalised terms shall have the meanings ascribed to them in our Terms of Use. This Privacy Policy is structured to comply with the Nigeria Data Protection Act (NDPA) 2023.
2. THE PERSONAL INFORMATION WE COLLECT
2.1 Cookies: We use cookies to enhance user experience and analyze platform traffic. You may manage cookie preferences via your browser settings, though this may limit certain App functionalities.
2.2 Specific Permissions: To provide credit services, we may request access to financial-related SMS logs (for credit scoring) and device metadata (IMEI, Model). Note: We do not access private images or videos for non-functional purposes; such access is strictly limited to identity verification (KYC).
3. PURPOSE OF DATA PROCESSING
We process your personal information based on lawful bases including contractual necessity, legal obligation, and legitimate interest. Your data is used for the following specific purposes:
3.1 Service-Related Purposes:
l 3.1.1 Identity & Credit Management: To verify your identity, onboard you as a user, and perform ongoing assessment of your creditworthiness and account standing.
l 3.1.2 Due Diligence: To conduct mandatory background checks and risk assessments prior to account activation.
l 3.1.3 Loan Administration: To facilitate loan disbursements, process repayments, and manage the collection of applicable service fees.
l 3.1.4 Regulatory Compliance: To fulfill our obligations under Anti-Money Laundering (AML), Know Your Customer (KYC), and Counter-Terrorism Financing (CFT) regulations in Nigeria.
l 3.1.5 Customer Support: To communicate regarding your application status, address inquiries, and resolve any disputes or technical issues.
l 3.1.6 Platform Enhancement: To notify you of service updates, test new features, and optimize the App’s performance to better suit user needs.
l 3.1.7 Communication: To contact you via SMS, email, or voice calls specifically for account-related alerts, repayment reminders, or service notifications as permitted by law.
3.2 Internal Operations & Security:
l 3.2.1 Operational Integrity: To execute internal business protocols, conduct audits, and ensure the security of our financial ecosystem.
l 3.2.2 System Maintenance: To monitor usage patterns and rectify software malfunctions to maintain high service availability.
l 3.2.3 Data Analytics: To generate anonymized and aggregated statistical data for research and product development, ensuring individual identities are not compromised.
l 3.2.4 Fraud Prevention: To detect, investigate, and prevent potentially prohibited, illegal, or fraudulent activities.
l 3.2.5 Corporate Transactions: To facilitate business transitions, such as a merger, acquisition, or asset sale, ensuring data protection remains a priority during such transfers.
l 3.2.6 Marketing (Opt-out): To provide information on special offers or rewards. You reserve the right to opt-out of marketing communications at any time without affecting your access to core services.
4. DISCLOSURE OF PERSONAL INFORMATION
4.1 General Principle of Disclosure
We may disclose your personal information to Affiliates and authorized third parties only when necessary to fulfill the purposes outlined in this Policy, or as permitted under the Nigeria Data Protection Act (NDPA) 2023. We are committed to the principle of data minimization, ensuring that only the information strictly required for the specific objective is disclosed.
4.2 Authorized Disclosures
We may share your data in the following circumstances:
l 4.2.1 Legal & Regulatory Compliance: To comply with statutory obligations, financial reporting requirements, or to respond to lawful inquiries and investigations by competent authorities (e.g., CBN, EFCC, or judicial bodies).
l 4.2.2 Legal Proceedings: When disclosure is necessary for established legal claims, debt recovery proceedings, or to protect our legal rights and those of our users.
l 4.2.3 Corporate Restructuring: In the event of a proposed or actual merger, acquisition, consolidation, or asset sale. We will ensure that the acquiring entity adheres to the same standards of data protection.
l 4.2.4 Service Providers & Partners: To trusted third-party partners who assist in our operations, including:
Financial Institutions & Payment Processors: To facilitate transactions.
Credit Bureaus & Identity Verification Services: To assess creditworthiness and prevent fraud.
Licensed Collection Agencies: Strictly for the purpose of recovering outstanding obligations in a professional and lawful manner.
Technical Vendors: For research, risk analysis, and infrastructure support.
l 4.2.5 Affiliate Sharing: With our group companies for administrative purposes or service delivery, provided they adhere to this Privacy Policy and applicable data protection laws.
4.3 Data Anonymization
Whenever possible, we will aggregate or anonymize data before sharing it with third parties for statistical analysis or market research, ensuring the information cannot be reasonably linked back to you.
4.4 Third-Party Marketing
We will not share your personal data with third parties for their independent marketing purposes without obtaining your prior explicit consent.
4.5 Investigations
We may disclose information to investigate potential breaches of our Terms of Service, report suspected criminal activity to law enforcement, or protect the safety and security of our platform and the public.
5. CROSS-BORDER TRANSFER OF PERSONAL DATA
While utilising any of our services, your personal information may be transmitted, stored, utilised, and processed in a jurisdiction that is distinct from your home country or the jurisdiction of the nation, state, or city in which you are currently located ("Alternate Country"). Additionally, information may be transmitted to affiliated companies located abroad, as well as to servers, service providers, and affiliates of our group.
In the event that such a situation occurs, we will guarantee that the pertinent personal data is protected to the fullest extent permitted by Nigerian law and, in any case, in compliance with our responsibilities under this Privacy Policy.
Completing this form indicates your agreement to the transmission of your personal data in accordance with the guidelines provided below, regardless of whether the transfer takes place within your country of residence or elsewhere.
6. Protection AND RETENTION of Personal Data
We implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk, protecting your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage.
Your personal data will be retained only for as long as is reasonably necessary to fulfill the purposes for which it was collected, or to comply with legal, regulatory, tax, or accounting requirements. In accordance with the Nigeria Data Protection Act (NDPA) 2023, we shall:
l Cease to retain documents containing your personal data, or remove the means by which the data can be associated with you (anonymization), as soon as the purpose of processing is no longer served by retention;
l Permanently delete or destroy your data once the statutory retention periods have expired, unless further retention is required for the establishment, exercise, or defense of legal claims.
We will conduct periodic reviews of our data holdings to ensure that no data is kept longer than necessary.
7. ACCESS TO AND CORRECTION OF PERSONAL DATA
7.1 You have the right to request access to, or the correction and updating of, your personal data held by us. To exercise these rights, please contact us. We will process your request in accordance with the timelines stipulated under the Nigeria Data Protection Act (NDPA).
7.2 While we strive to honor all legitimate requests, we may, in accordance with applicable laws, decline a request for access or correction where:
l The identity of the requester cannot be verified;
l The request would unreasonably infringe upon the privacy or legal rights of third parties;
l The request is deemed manifestly unfounded or excessive; or
l Professional secrecy or other legal exemptions under Nigerian law apply.
In the event of a denial, we will provide you with a written explanation of the reasons for such refusal, subject to any legal restrictions.
8. DISCLOSURE AND PROCESSING BY THIRD PARTIES
8.1 Third-party service providers may process, transmit, or retain the personal data we collect from you. We will make every effort to guarantee that the privacy guidelines outlined in this policy are adhered to by all third-party service providers.
8.2 Our affiliates, contractors, overseas labourers, third-party suppliers, and service providers may retain or process your personal information outside of your country to the extent permitted by applicable regulations. In such instances, we are dedicated to ensuring that the pertinent Personal Information is protected to the utmost extent permitted by the laws of your country and, in any case, in accordance with our responsibilities under this Privacy Policy.
9. Protecting Your Personal Information
We are dedicated to safeguarding your personal data against unauthorized access, use, or accidental loss through rigorous security measures. While we strive to protect your privacy, please note that no data transmission over the Internet can be guaranteed as absolute secure. Consequently, while we implement stringent protocols, we cannot warrant that information will never be intercepted or altered by third parties due to inherent online risks. We endeavor to ensure all communications reach you; however, delivery may be affected by external factors beyond our control. You remain responsible for maintaining the security of your mobile device and safeguarding your account credentials and passwords. We encourage you to ensure your submitted information remains accurate and current to help us maintain service integrity.
10. Data Retention and Deletion
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including legal, financial, tax, or regulatory reporting requirements. To determine the appropriate retention period, we assess the nature and sensitivity of the data, the potential risk of harm from unauthorized disclosure, and applicable statutory limitation periods.
We have established the following retention protocols:
(1) Statutory Compliance: In accordance with applicable anti-money laundering (AML) and financial regulations, your transactional and financial records will be retained for a minimum of six (6) years from the date of your last transaction, or longer if mandated by specific regulatory directives.
(2) Data Deletion: Personal and transactional data will generally be permanently deleted or anonymized six (6) years after account closure, unless further retention is required. We reserve the right to extend this period if we reasonably believe litigation is pending, a formal complaint has been lodged, or if there is an ongoing regulatory enforcement action related to your relationship with our Services.
11. CHANGES TO THIS PRIVACY POLICY
To ensure this Privacy Policy reflects our current practices and aligns with evolving legal or regulatory requirements, we will conduct periodic reviews and updates. Any material amendments will be communicated through a general notice on our website or within the application. It is your responsibility to review this Policy periodically to stay informed about our data processing and security procedures. Your continued use of the App, Website, or Services following the posting of such updates constitutes your acknowledgement and acceptance of the revised terms.
12. LANGUAGE
In the event of any inconsistency or discrepancy between the English version and any other language version of this Privacy Policy, the English version shall prevail and take precedence.
13. Acknowledgement and Acceptance
13.1 Consent to Terms
By accepting this Privacy Policy, you acknowledge that you have read, understood, and agreed to be bound by all its terms. You expressly consent to the collection, use, disclosure, storage, transfer, and processing of your personal information as described herein.
13.2 Third-Party Data
You represent and warrant that you have obtained the prior consent of any third parties (such as spouses, family members, or emergency contacts) whose information you provide to us, authorizing us to collect and process their data on their behalf for the purposes specified.
13.3 Emergency Contact Authorization
In the event that we are unable to reach you or in the case of a payment default, you expressly authorize us to reach out to you or your designated emergency contacts (subject to their prior consent) solely for the purpose of information verification or communication.
13.4 Withdrawal of Consent
You may withdraw your consent for the collection, use, or disclosure of your personal information at any time by providing reasonable written notice. Furthermore:
l Opt-out: You may unsubscribe from marketing communications using the "unsubscribe" link in our messages.
l Consequences: Withdrawing certain consents may limit your access to specific App features or Services.
l Account Termination: If the withdrawn consent is essential for service delivery or risk management, we reserve the right to terminate our relationship and close your account. In such cases, all accrued rights and obligations (including outstanding debts) shall remain enforceable.
l Notification: Upon receiving your withdrawal request, we will inform you of the potential consequences, allowing you to re-evaluate your decision before it is finalized.
14. PROMOTION AND CONTENT MARKETING
14.1 Marketing Communications
We may contact you for marketing and promotional purposes via mail, telephone, SMS, email, instant messaging, or in-app push notifications. These communications are designed to inform you of special offers, promotions, or events organized by us, our partners, or sponsors, and to provide updates regarding our App and the services offered therein.
14.2 Opt-Out and Service Messaging
You may choose to stop receiving promotional messages at any time by clicking the "unsubscribe" link in our communications or by contacting us directly. Please note that even if you opt out of marketing, we reserve the right to send you essential non-promotional notifications. These include, but are not limited to, account security alerts, loan disbursement confirmations, repayment receipts, and other critical information related to your use of the Services.
15.THIRD-PARTY WEBSITES AND ADVERTISEMENTS
15.1 External Links and Liability
Our Website and Application may contain hyperlinks to third-party websites. Since we do not control these external sites, we are not responsible for their data collection, storage, or disclosure practices. We strongly recommend that you review the privacy policies and terms of service of any third-party website you visit to understand how your personal information is managed.
15.2 Advertising Links
Advertisements displayed on our platforms may contain links to the advertisers' own websites. By clicking on these links, you acknowledge that the advertiser will collect and process your information in accordance with their independent privacy policies. We do not endorse or assume liability for the content or privacy standards of our advertisers.
16. LIMITATION OF LIABILITY
We shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:
16.1 Service Accessibility: Your inability to access, rely upon, or use the application or its software;
16.2 Third-Party Interactions: Any transactions, communications, or disclosures made by you to any third party, regardless of whether we were advised of the possibility of such risks.
16.3 Force Majeure: We shall not be held accountable for any delay or failure in performance resulting from causes beyond our reasonable control, including but not limited to technical failures, regulatory changes, or other Force Majeure events.
17. DIRECTIONS FOR CONTACTING US
If you have any questions, inquiries, or feedback regarding this Privacy Policy, your personal data, or our services, please feel free to reach out to us through the following contact channels:
Developer Name: VIOTRIM TECH HUB LIMITED
Developer Email: viotechhub@gmai.com
Customer Service Email: help@trymoni-viotrim.com
You are entitled to access, amend, or request the deletion of your personal information in accordance with applicable laws.