Terms of Service — SnappyCredit

Privacy Policy

BERYL SPRING GLOBAL LTD is a legally recognized organization in Nigeria and operates under the authorization of the Federal Competition and Consumer Protection Commission (FCCPC) to offer legitimate financial lending services.

SnappyCredit is a digital lending platform developed and managed by BERYL SPRING GLOBAL LTD. The company has officially granted SnappyCredit the right to use its FCCPC-issued digital lending license, allowing it to run digital loan activities lawfully in Nigeria.

This privacy policy explains the categories of information that SnappyCredit ("we", "our", or "us") gathers from individuals who interact with us ("you", "your", or "users"), as well as how such information may be applied or shared when you sign up for, use, or access our mobile app (SnappyCredit), website, products, or services (collectively referred to as "Services"). These Services enable users to apply for and access short‑term credit under clearly stated terms and conditions.

By using or accessing our Services, you acknowledge and agree to the data handling practices described in this policy. We strongly encourage you to review this document thoroughly before submitting personal information. If you disagree with any section of this policy, please reach out to us for clarification. SnappyCredit may update this policy without prior notice, and we recommend reviewing it periodically to stay informed about any modifications.

1. Scope of This Privacy Policy

This Policy applies to all websites and mobile applications owned or operated by SnappyCredit, including any affiliate platforms worldwide. It also covers personal information we may gather:

Through the use of our products and services.
From interactions with us outside the SnappyCredit platform, such as in person, by phone, or through any other communication channel.
From employees, field agents, debt recovery partners, investigators, and other authorized business partners (collectively, “Business Partners”).

2. Our Commitment to Data Privacy and Processing Principles

The SnappyCredit mobile app (the “App”) is available on the App Store and operates on mobile phones and handheld devices (collectively, the “Device”). In alignment with applicable laws, whenever SnappyCredit collects personal data, it commits to the following principles:

Providing timely and transparent notice regarding how we handle your information.
Collecting only the information needed for clearly defined purposes and ensuring such data remains relevant, adequate, and not excessive.
Processing your information solely in accordance with the intended purposes or as permitted by your further consent.
Taking reasonable steps to maintain accurate, complete, and up‑to‑date personal information.
Refraining from direct marketing activities without giving you the option to decline such communication.
Implementing safeguards—contractual or otherwise—to ensure appropriate protection when sharing or transferring personal information, whether to third parties or across SnappyCredit systems.

3. Information We Collect

Identity & Device Data

Contact Information – Such as your name, residential or business address, email, and phone number.
Additional Personal Details – Including demographic information like age, gender, nationality, how you use our services, and other profile‑related details.
User Submissions – Any communications you send, including inquiries, feedback, or service‑related requests.
Financial Information – Bank account details, card numbers, or other financial data needed to process loan transactions.
Login Credentials – Account access details, including passwords or social login information where applicable.
Preferences – Your product interests, notification preferences, and communication choices.
Selected Contact Information – We access only specific contacts you manually select and authorize within the app for fraud control, risk evaluation, and recovery processes. We do not upload or store your entire contact list.

Location

Location information helps us verify user identity, confirm that applicants reside in Nigeria, and support accurate credit assessments and KYC procedures.

Ads Tracking

The App may access your IDFA or IDFV for advertising attribution and analytics, helping us improve service relevance and user experience.

Camera & Photo

We may request camera access for facial verification to enhance account security. We never read or access your photo gallery; images used in verification are captured directly through the camera and processed solely for authentication.

All collected data is securely transmitted to our server at https://berylspring.com/.

4. Use of Information

SnappyCredit uses the personal information collected to operate, improve, and deliver its services effectively. This includes processing loan requests, supporting transactions, providing relevant updates, customizing the user experience, ensuring system security, meeting regulatory obligations, preventing fraud, and protecting both user and platform interests. You may request that we limit certain types of processing, such as temporarily pausing use of your data while accuracy is reviewed.

We may also use your information for additional lawful purposes consistent with the context of collection or based on your explicit consent. Some data may be anonymized and aggregated for research, analytics, or product enhancement without identifying individual users.

6. Data Retention

We keep your information only as long as necessary to provide services, comply with legal and regulatory requirements, resolve disputes, prevent fraud, and enforce agreements. If service delivery ends, your data will be deleted accordingly.

Some information may remain stored after account closure if required by law, regulators, banking partners, or card processors to ensure settlement accuracy, fraud prevention, or compliance.

We periodically review stored data to ensure its accuracy, relevance, and necessity. Information that is no longer needed is securely removed where feasible.

Retention duration may depend on factors such as:

The purpose for which the data was collected and contractual obligations.
Any statutory or regulatory retention requirements.
Whether you requested deletion and whether ongoing investigations prevent immediate removal.
Whether another lawful basis exists to retain the data longer.

You may request deletion at any time through the App. If no obligations remain, we will proceed with removal.

7. Security Safeguards

Your information is stored primarily within SnappyCredit databases hosted on secure servers in Nigeria. We apply contractual, administrative, and technical safeguards to protect personal data, including during transfers to third‑party providers or internal systems.

While we strive to maintain a high level of data security, no electronic transmission or storage system is flawless. As such, we cannot guarantee absolute protection and are not liable for breaches beyond our reasonable control.

You also play a role in keeping your data safe. SnappyCredit cannot be responsible for unauthorized access resulting from weak passwords, shared credentials, or other negligence on the user's part.

8. Age Restriction

Our Services are intended for adults aged 18 and above. We do not knowingly collect information from individuals under 18. Parents or guardians who discover that a minor has submitted personal data should contact us immediately so we can take corrective action.

9. Contact Us

Company: BERYL SPRING GLOBAL LTD

For questions, complaints, or feedback regarding our Services, please reach out through the App or email us at snappycredithelp@gmail.com. Our team will respond promptly.