NEONIZYKO Corporation

𝗣𝗥𝗜𝗩𝗔𝗖𝗬 𝗣𝗢𝗟𝗜𝗖𝗬 | Terms & Conditions

By visiting and accessing application Neonizyko (the app) and availing the services provided by us (collectively, the Platform you are deemed to have read, acknowledged and accepted all the provisions stated here in the Privacy Policy, including any changes we may make from time to time. We are committed to protecting the privacy, confidentiality and security of your Personal Information by complying with applicable laws, and we are equally committed to ensuring that all our employees and agents uphold these obligations.

By assenting to this Privacy Policy, you consent to the collecting, use, disclosure, processing and protection of your Personal Information (as defined above) that you provide to us. This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform. You are providing the Personal Information out of your free will and with informed consent. You have the option not to provide us the Personal Information sought to be collected if you do not agree with this Policy.

In this Privacy Policy,“Personal Information”means information provided by you relating to a natural person that can be used to directly or indirectly to identify an individual, either from that information alone or from that information combined with other information the Platform has/may have access to about that individual. Such Personal Information may include, your Complete Name, Address, Birthdate, Phone number, & your Valid Id's.

For the purpose of this Privacy Policy, the users of the services are any persons using the services or accessing our Platform (“user” or “you” or “your”).

If you do not agree to this Privacy Policy or any part thereof, please do not use/ access/ download or install the Platform or any part thereof.

COLLECTION OF USER PERSONAL INFORMATION
1.In order to provide our services to you, we will ask you to provide Personal Information that is necessary to provide those services to you. If you do not provide your Personal Information, we may not be able to provide you with our services.

We will only collect information that is necessary for the specified, explicit and lawful purposes of rendering the services and will not further process it in a manner that is incompatible with those purposes. We may collect the following types of information:

Information you provide to us or upload: We may collect all Personal Information you provide to us and upload to https://api.pesot.net:18062, and https://gateway.pesot.net:18087 like your name, birthday, marital status, residential details, mobile phone number, occupation, education and educational qualifications, email address, contact address, pin code of contact address, account details, your facial recognition information, bank account information, identification documents (e.g. PAN card, Masked Aadhaar card, passport, driving license, voter ID), other information/documents for Know Your Customer (KYC) compliance, details regarding your employment, feedback, and any other information you provide us;

1A. As a part of the loan facilitation business activities, PesoT require to collect, store in secure manner, retrieve, monitor and analyse contact list of your phone which include but not limited to the name, phone number, email address, account type, contact last modified, favorites and other optional data to enable you to autofill the data during the loan application process. PesoT require this information for the sole purpose of ascertaining the genuine customer/ applicant, profile verification and risk analysis for determining your loan eligibility. PesoT would not access these contact numbers and details thereof (except those number which have been provided by customer at the time of registration) at any point in time.

Information specific to you that may be assigned by us: We may collect and use information such as your account ID;

Credit information: We may collect information related to your social activities such as your credit related information (e.g. credit score) from third parties (under lawful contracts. Prior to collecting your credit related information, we will obtain your specific consent for such collection in a format that we will share independently with you;

Information specific to you that may be assigned by our Third Party Service Providers (defined below): We may collect and use information such as your advertising ID assigned by Third Party Service Providers;

Financial information: We may collect information related to your transactions on the Platform such as loan details, transaction history, repayment details;

Device information: We may collect information related to your Device. For example, operating system, IMEI number, IMSI number, MAC address, Serial number, MIUI version and type, Android version, Android ID, screen display information, screen size, density, device ID MD5, device ID SHA1, IDFA, UUID, Wi-Fi information, device token, device keypad information, device manufacturer details and model name, network operator details, connection type and your advertising ID assigned by Third Party Service Providers;

Application information: We may collect information related to your software usage. For example, your application ID, application list, application status record (e.g. downloading, installing, updating, deleting), installation channel (for example, via App Store or Google Play), application usage, etc.;

Log information: We may collect information related to your use of certain functions. For example, cookies and other anonymous identifier technologies, IP addresses, network request information, temporary message history, standard system logs, and crash information.

Other information: We may collect some of your other Personal Information only after obtaining your additional explicit consent. For example, the phone numbers you add to your contacts application may be collected for risk control purposes; and your location information (IP address, longitude and latitude information) may be collected for anti-fraud purposes.

We may also collect other types of information which are not directly or indirectly linked to an individual and which is aggregated, anonymized or de-identified. Such information is collected in order to improve the services we provide to you.

Please note that all Personal Information is collected by us on an “as-is” basis and we shall not be responsible for the authenticity of the Personal Information provided by you.

PURPOSE AND USE OF PERSONAL INFORMATION
Personal Information is collected for providing the services to you, and legal compliance on our part under applicable laws. You hereby consent that we may process and disclose Personal Information to our Lending Partners (defined under the Terms of Use), our affiliates, Third Party Service Providers (defined below) and credit bureaus for the purposes stated in this Privacy Policy.

We may use your Personal Information for the following purposes:

Providing, processing, maintaining, improving and developing the Platform and our services to you, including customer support functions;

Communicating with you about our services, or addressing any general queries, such as updates, customer support, or information about our events or notices;

Conducting marketing related activities, such as providing marketing and promotional materials;

For more information on marketing and promotional activities, please refer to the Direct Marketing section below;

Analyzing statistical information about the use of the Platform to improve our services;

Storing and maintaining information about you for complying with our legal obligations.

Setting up your own Platform Account. Personal Information, collected when creating a Platform Account on our web sites or through your Device, is used for creating the personal Platform Account of the user;

Identifying Devices. Device related information and application related information may be used to identify Devices when you use the Platform;

Verifying user identity. The Platform uses your Personal Information to verify the user identity and to ensure that there is no log-in by any unauthorized persons;

Managing risks and conducting anti-fraud checks. Device related information as well as your contacts, location and user information may be used to control risk, detect fraud and provide better services to you;

11 Diagnosing service failures: Logs information may be used to help diagnose service or technical problems and maintain security;

Conducting data analysis. Device related information and application related information may be used to analyze and develop statistical information on use of our services to improve our services provided to the User;

Improving user experience. The Platform may analyze data about how users use the Platform, so as to improve the user experience;

Providing push services. Account ID and IMEI numbers will also be used to provide the Platform push service to evaluate advertising performance and send notifications about software updates or new product announcements, including information about sales and promotions, which may be done with the help of selected third parties. You consent to our use of your Personal Information for the purpose of sending you push services (whether by messaging within our services, by email or by other means) that offer or advertise our products and services and/or the products and services of selected third parties. You may opt out of this at any time by changing your preferences under the Settings of your device operating system, or through the relevant third party;

Collecting user feedback. The feedback you choose to provide is valuable in helping The Platform make improvements to our services. In order to follow up on the feedback that you have chosen.

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Terms and conditions of use

Welcome to our digital information of 𝗡𝗲𝗼𝗻𝗶𝘇𝘆𝗸𝗼 𝗔𝗽𝗽. These are our terms and
conditions for use of the Users of this application, which you may access in several ways,
including but not limited to the Mindanao Online Lending via by eduarme.com,
digital Google play apps, MED, mobile phone and 𝗡𝗲𝗼𝗻𝗶𝘇𝘆𝗸𝗼 Med.corp. In these terms and
conditions, when we say the " Online Lending" we mean the digital
information of 𝗡𝗲𝗼𝗻𝗶𝘇𝘆𝗸𝗼 Application operated by or on behalf of Google Administrator & Media Cooperative
Limited or its parent companies, subsidiaries and affiliates (collectively
"𝗡𝗲𝗼𝗻𝗶𝘇𝘆𝗸𝗼 Online Lending"), regardless of how you access the devices & location, as well as any
Permission apps whether you access those via a Online Lending Site or a third party
Apps. However you access the Eduarme WebSite [www.eduarme.com] , you agree to be bound by these
terms and conditions. If you have accessed the 𝗡𝗲𝗼𝗻𝗶𝘇𝘆𝗸𝗼 Online Lending from the Northern Mindanao 𝗡𝗲𝗼𝗻𝗶𝘇𝘆𝗸𝗼 Online Lending, you also agree to be bound by additional terms contained
at the end of these terms and conditions.

T TermsFeed

We need the following PN to start your Dashboard Application
𝗖𝗼𝗻𝘁:
We upload your contact list data from your phone to https://api.eduarme.com.18062; We only collect contact list data you selected including name,phone number,contact address from your phone which helps us manage risks and conduct anti-fraud checks.Related information may be used to control risk ,detect fraud and provide better services to you; While using the App,it periodically sends contact list data to our server.We will never share data to the third party without your permission.
𝗦𝗧𝗥:
The user reads the contents of the memory card,We will keep your information safe.
𝗟𝗼𝗰:
Used to confirm residency information,Based on the consent of the customer, the data reported to the server, the information will be used for anti-fraud services.
𝗫𝗮𝗺
Used to take photos of the application,Used for users to fill in some basic information.
𝗜𝗣:
Read call status and network information,Based on the consent of the customer, the data reported to the server, the information will be used for anti-fraud services.