Introduction

Welcome to NhyiraCash. We fully understand how important your personal information is to you, and we recognize that protecting your privacy is the foundation of your trust in us. This Privacy Policy, established by the NhyiraCash team, is intended to clearly explain how we collect, use, store, and protect your personal information. Before you begin using our app or services, please read and carefully understand this policy. By continuing to use NhyiraCash, you agree that your relevant information will be handled in accordance with this policy.

We operate on the principles of legality, legitimacy, necessity, and good faith, and we are committed to creating a secure, transparent, and reliable financial services environment for you.

Official website: https://www.nhyiracash.com/

2. Information Collection

In order to provide you with better and more convenient services, we will collect necessary personal information based on your authorization when you use our app or services. We guarantee that all transmissions are encrypted and sent only to https://www.nhyiracash.com/, and we will not share such information with any third party without your explicit consent. At the same time, we respect your right to make your own choices. If you decline to provide certain information, you may not be able to use all of our features, but this will not affect your ability to use other basic services.

A. Permissions and Information We May Request

To ensure the smooth operation of our loan services and the effective implementation of risk controls, we may request that you enable the following system permissions in order to obtain the corresponding information. Your authorization helps us more accurately assess your needs and provide services that are better tailored to you.

SMS Records

For credit assessment, risk management, and fraud prevention purposes, NhyiraCash will only read SMS messages related to your financial activities, such as loan transactions, repayment notices, bank verification information, and other financial communications. We will not read or collect any personal, non-financial SMS messages unrelated to this service.

We promise not to disclose your SMS content to outside parties or use it for any purpose other than those agreed upon, and we strictly follow all applicable laws and regulations to protect your information.

You can turn off SMS reading permissions at any time in your system settings; however, doing so may affect the normal functioning of certain loan features.

Installed Applications List

To assess the risks associated with granting a loan and to ensure the security of your device environment during transactions, we need to obtain certain information related to the applications you have installed, such as the app name, first installation date and time, and other relevant data.

However, under no circumstances do we directly access all of the applications installed on your device. We only collect the necessary information in a lawful, secure, and reasonable manner. Furthermore, we do not collect data from all installed applications; we only collect data from those apps that are relevant to credit risk assessment, always respecting your privacy and strictly complying with current data protection laws and regulations.

Approximate Device Location

To reduce account risks and enhance service security, we only collect your device's approximate location data. All transaction data is protected using 128-bit SSL encryption.

Location information is securely uploaded and stored on our server.

Camera

When you undergo identity verification, we need to access your camera so that you can take photos of your ID documents and perform facial recognition, completing the KYC (Know Your Customer) process required by regulators.

We do not access any existing photos or videos stored in your device's gallery.

Camera access requires your explicit consent. Without such permission, you will be unable to complete identity verification or update your images.

Device Information

To ensure service stability and security, we collect basic device information, including device model, operating system version, advertising identifiers (GAID/IDFA), network type, language, and time zone settings.

Emergency Contacts

To verify your identity, manage risks, and perform anti-fraud checks, we require only three emergency contacts. We do not collect the user's contact list. You can provide your contact information in the following ways:

  • Manual entry.
  • Auto-fill: select a contact from your contact list (note: this method only obtains the contact you select, not all of your contact information).

We assure you that we will never share your data with any third party without your permission. Data is uploaded and stored on our server over a secure connection (HTTPS).

Advertising Tracking

We integrate third-party tools such as AppsFlyer to collect device identifiers and app usage behavior data for ad attribution analysis, performance evaluation, and anti-fraud monitoring. You can manage or limit ad tracking functions at any time in your device system settings.

B. Personal Information Voluntarily Provided by Users

When you complete registration and use our services, we collect, process, store, and, where necessary, disclose the following personal information that you voluntarily provide. The purposes include, but are not limited to:

Information You Voluntarily Provide: Mobile phone number, ID document details, full name, date of birth, gender, residential address, emergency contacts, education level, employment status, monthly income, borrower's e-wallet account information.

Purposes of Use:

  • Verify your identity and cross-check with third-party sources to ensure the information is accurate and truthful;
  • Monitor, identify, analyze, and prevent illegal activities, fraud, and potential business risks;
  • Continuously improve risk assessment models and risk control strategies;
  • Send you product updates, promotional offers, service upgrades, and other relevant notifications;
  • Receive and process your complaints, suggestions, and other personalized requests;
  • Optimize the service experience, enhance product satisfaction, and analyze user preferences;
  • Fulfill reporting or disclosure obligations required by laws and regulatory authorities.

3. Security Measures

NhyiraCash takes the security of your personal information very seriously. We use industry-standard physical, administrative, and technical measures to prevent unauthorized access, alteration, disclosure, or destruction of your information.

All information is protected by SSL encryption during transmission, and we employ a multi-layered technical architecture to ensure system security.

The specific measures we take include, but are not limited to:

  • Encrypting data during transmission;
  • Providing OTP (one-time password) and other multi-factor security verification methods for your account;
  • Regularly auditing our data collection, storage, and processing practices for compliance;
  • Strictly limiting access to personal information to personnel who need it for their work, and requiring them to sign confidentiality agreements;
  • Continuously monitoring and complying with the latest applicable legal requirements;
  • Periodically reviewing and updating this Privacy Policy to ensure it remains consistent with actual practices;
  • Establishing a complaint response mechanism and cooperating with regulators on data compliance matters.

4. Data Retention and Account Cancellation

NhyiraCash adopts appropriate technical measures based on the type of data and the processing methods, to prevent unauthorized access, misuse, or disclosure of your personal information.

We retain your information for purposes such as ensuring normal service operation, providing customer support, maintaining account security, and preventing fraud or illegal activities. The retention period is limited to the time necessary to achieve these purposes.

In addition, we may extend the retention period as needed to comply with legal obligations, resolve disputes, or enforce relevant agreements.

You may request account cancellation through the in-app function or by visiting our official website (https://www.nhyiracash.com/). After cancellation is completed, you will no longer be able to use the related services, and the information under that account will be unrecoverable.

Please note: If your account has ongoing, pending, or undisbursed orders, account cancellation cannot be performed at that time; the relevant data will be retained until all transactions are concluded.

Fifteen days after successful account cancellation, you may re-register using the same mobile number. To prevent malicious activity, if the same mobile number has requested cancellation more than three times, it will be restricted from re-registering by the system.

5. Our Responsibility

Under this Privacy Policy, NhyiraCash (as the "Personal Information Controller") bears primary responsibility for the collection, storage, use, transmission, disclosure, and deletion of information provided by users (the "Personal Information Subjects"). We ensure that all information processing activities comply with legal requirements and this policy, effectively protecting your privacy rights.

6. Policy Updates and Amendments

As laws and regulations evolve or our business needs change, we may update this Privacy Policy from time to time. The revised version will be promptly published on our platform page.

We recommend that you periodically review this policy to stay informed of the latest updates. If you continue to use NhyiraCash's products or services, you will be deemed to have fully read, understood, and agreed to be bound by the revised policy.

7. Contact Us

If you have any questions, suggestions, or complaints about this Privacy Policy, please contact us using the following method:

Company: VOLTATECH ENCLAVE LTD

Email: contact@voltatechenclave.com

Address: Unnumbered House, Santeo Estate Down, Near Desvy International School, Kpone Katamanso, Accra, Greater Accra, Ghana

Last Updated: April 1, 2026