Privacy Policy

QIHU FINTECH LIMITED is a duly registered company in Nigeria. We are licensed and authorized by the Federal Competition & Consumer Protection Commission (FCCPC) to operate lawful digital financial services, including personal loan facilitation through our mobile application.

Incash - QIHU is a mobile lending platform fully developed and managed by QIHU FINTECH LIMITED, and it operates in full compliance with applicable Nigerian financial and data protection regulations.

1. Introduction

1.1 Incash - QIHU (“we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information.

1.2 This Privacy Policy explains how we collect, use, store, and disclose your data when you use our mobile application, website, and related digital services (collectively, the “Services”).

1.3 By downloading, registering, or using the Services, you agree to the terms described in this Policy. If you do not agree, please discontinue the use of our Services.

2. Definitions

2.1 Account – A unique profile created to access and use the Services.

2.2 Application – The Incash - QIHU mobile app operated by QIHU FINTECH LIMITED.

2.3 Cookies – Small data files stored on your device to enhance your app experience.

2.4 Country – Nigeria.

2.5 Device – Any mobile phone, tablet, or electronic device capable of accessing the Services.

2.6 Personal Data – Any information that identifies or can identify you, directly or indirectly.

2.7 Service Provider – Any third party that processes data on behalf of QIHU FINTECH LIMITED.

2.8 Usage Data – Automatically collected data about how you interact with our Services.

2.9 Website – The official Incash - QIHU website: https://www.qihufintech.com/

2.10 You – Any individual or legal entity accessing or using our Services.

3. Data We Collect

3.1 Personal Data

We may collect the following information from you when you use our Services:

• Full name
• Phone number and email address
• Date of birth and gender
• Residential address (state, city, postal code)
• Bank Verification Number (BVN)
• Bank account and card details
• Emergency contact information
• Calendar or reminder data (for repayment alerts)

3.2 Usage Data

We automatically collect technical information such as:

• IP address and device identifiers
• Mobile device model and operating system
• App usage time, clicks, and activity logs
• Browser type and network information

3.3 App Permissions

To deliver our Services, the app may request certain permissions, including:

• Location – To verify your service eligibility within Nigeria.
• Calendar/Reminders – To help you track and manage repayment schedules.
• Advertising ID (IDFA) – To improve app functionality and user experience.

You may manage or revoke these permissions at any time in your device settings. Note that some features may not work properly without the necessary permissions.

4. How We Use Your Data

4.1 We collect and process your personal data for the following purposes:

• To verify your identity and process loan applications.
• To provide, operate, and maintain our Services.
• To send notifications, repayment reminders, and service updates.
• To prevent fraud and enhance security.
• To comply with Nigerian legal and regulatory requirements.
• To improve user experience and app functionality.
• To send marketing or promotional information (only if you consent).

4.2 We may share your data with:

• Authorized service providers assisting with data processing, storage, or analytics.
• Business partners providing joint or complementary financial services.
• Regulatory authorities or law enforcement when required by Nigerian law.
• Affiliates of QIHU FINTECH LIMITED, under strict confidentiality obligations.
• Other parties, only with your explicit consent.

5. Data Retention

5.1 We retain your personal information only as long as necessary for the purposes outlined in this Policy or as required by law.

5.2 Once data is no longer needed, it will be securely deleted, anonymized, or archived in compliance with the Nigerian Data Protection Act (NDPA).

6. International Transfers

6.1 Your data may be processed or stored outside Nigeria (e.g., with cloud service providers).

6.2 In such cases, we ensure that adequate data protection safeguards are in place, consistent with Nigerian and international data protection standards.

7. Data Disclosure

7.1 We may disclose your information in the following situations:

• To comply with legal or regulatory obligations.
• To protect the rights, property, or safety of QIHU FINTECH LIMITED or its users.
• To prevent, detect, or investigate potential fraud or abuse.
• In the event of a merger, acquisition, or corporate restructuring, subject to confidentiality obligations.

8. Data Security

8.1 We employ strict administrative, technical, and organizational measures to protect your information.

8.2 While we take all reasonable steps to secure your data, no electronic transmission or storage method is 100% secure, and we cannot guarantee absolute protection.

9. Children’s Privacy

9.1 The Incash - QIHU app is intended for adults aged 18 years and above.

9.2 We do not knowingly collect or store data from individuals under 18.

9.3 If you are a parent or guardian and believe your child has provided us with personal data, please contact us immediately for prompt removal.

10. Your Rights

10.1 Under Nigerian data protection law, you have the right to:

• Access and obtain a copy of your personal data.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data, subject to legal requirements.
• Withdraw consent for certain processing activities.
• Object to the use of your data for direct marketing.

10.2 To exercise your rights, please contact us via the details provided in Section 12.

11. Changes to This Privacy Policy

11.1 We may update this Privacy Policy from time to time to reflect legal, operational, or service-related changes.

11.2 Any updates will be published in-app and on our official website, with the “Last Updated” date revised accordingly.

11.3 Continued use of our Services after updates means you accept the revised version.

12. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data handling practices, please contact us using the following details:

Company Name: QIHU FINTECH LIMITED

Email: service@qihufintech.com

Phone: +234 09134941477

Website: https://www.qihufintech.com/

Address: 33, Oba Akran Road, Ikeja Lagos, Lagos Nigeria