At Omega Credit, we respect and value your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our mobile application, website, and related financial services. By accessing or using Omega Credit, you agree to this Policy.
1. Information We Collect
Personal Information
Full name, date of birth, identification documents (e.g., national ID, passport), and contact details (email, phone, address).
Financial & Employment Information
Payment and remittance details, income, employment details, credit history, and loan/repayment records.
Device & Technical Information
Device model, operating system, unique device identifiers, app version, crash/diagnostic data, and app usage analytics.
Sensitive Information (with consent, where applicable)
Contacts, SMS, or call logs may be accessed only with your explicit consent and solely for credit risk assessment or identity verification, in compliance with Google Play policies and applicable laws.
Optional Information
Information provided through surveys, promotions, referrals, or customer support interactions.
2. How We Use Your Information
- Verify identity, assess eligibility, and provide financial products.
- Process loan applications, disbursements, repayments, and manage accounts.
- Prevent fraud and unauthorized activity; comply with legal and regulatory obligations.
- Improve app performance, security, and user experience; personalize offers where permitted.
- Communicate service updates, notices, and promotions (with consent where required).
4. Data Security
We apply administrative, technical, and physical safeguards to protect your information, including encryption in transit and at rest, access controls, authentication, least-privilege access, and periodic audits. No system is 100% secure; please safeguard your credentials.
6. Your Rights & Choices
- Access & Correction: Request access to your data and correct inaccuracies.
- Data Portability: Receive a copy of your data in a portable format.
- Withdraw Consent: Revoke consent for optional processing (e.g., contacts/SMS).
- Deletion: Request deletion subject to legal/contractual obligations and retention requirements.
- Opt-Out: Decline marketing communications at any time.
To exercise these rights, see Contact Us.
7. Children’s Privacy
Our services are not directed to individuals under 18 years. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers..
8. International Data Transfers
Your information may be processed in other countries with appropriate safeguards consistent with applicable data protection regulations.
9. Data Retention
We retain information only as long as necessary to provide services, comply with laws, resolve disputes, and enforce agreements; thereafter we delete or anonymize it.
10. Updates to This Policy
We may update this Policy to reflect legal, technical, or business changes. We will post updates here and in-app with a revised effective date and, where material, notify you via appropriate channels.
11. Contact Us
Omega Credit ServicesEmail: info@omegacredithub.com
For your security, we may request information to verify your identity before fulfilling privacy requests.
12. Google Play Data Safety Summary
Safety starts with understanding how developers collect and share your data. Practices may vary by app version, use, region, and age. The developer provided this information and may update it over time.
Data collected
- Personal info (name, contact details, ID info)
- Financial info (bank details, credit history, income, employment)
- App activity & device info (usage, identifiers, IP, diagnostics)
- Contacts / SMS / Call logs (only with your consent, for credit assessment)
Data shared
- Service providers (payments, credit bureaus, cloud hosting)
- Regulators or law enforcement (legal compliance)
We do not sell your personal data.
Security practices
- Data encrypted in transit and at rest
- Restricted access and audits
- Users can request data deletion at any time
Your choices
- Opt-out of marketing messages
- Deny optional permissions (contacts/SMS) without losing core features
- Request access, correction, or deletion of user data