Welcome to the Gold Source Ultra application (hereinafter referred to as "this application" or "Gold Source Ultra") developed by REXEN FINTECH LTD. We are fully aware of the importance of your personal information, so we have developed this privacy agreement (hereinafter referred to as "this agreement") to explain to you how we collect, use, store, share and protect the personal information you provide to us during the use of this application. Please read this agreement carefully to understand how we handle your personal information. If you disagree with any part of this agreement, you can stop using this application.Gold Source Ultra holds a license issued by the Federal Competition and Consumer Protection Commission (FCCPC) of Nigeria and provides personal loan services to Nigerian citizens in compliance with regulations.

Definition

Personal information: refers to various information recorded electronically or otherwise that can identify a specific natural person alone or in combination with other information or reflect the activities of a specific natural person. For example, your name, ID number, contact information, etc. are all considered personal information.

We / REXEN FINTECH LTD: the developer and operator of the Gold Source Ultra loan software, responsible for the daily operation and maintenance of the software and the processing of your personal information.

How do we collect your personal information?

Before you apply for a loan, we will apply for corresponding permissions based on the loan information you fill in. The following is the detailed instructions of the new one, please read it carefully:

## Personal Information Permission

We will collect personal information including your name, ID number, contact details, income proof, and other relevant data. This information is primarily utilized for the review of loan applications. It helps us assess your repayment capacity and creditworthiness, enabling us to determine whether to offer you a loan, as well as the appropriate loan amount and interest rate.

Simultaneously, this data serves for identity verification, ensuring transaction security, preventing fraud, and complying with financial regulatory requirements. Our APP strictly adheres to the user data protection requirements of the Google Market. This ensures the security and compliance of your personal information throughout the processes of collection, storage, usage, and transmission. All data will be encrypted and uploaded to the server at https://wwq.rexenfintech.org. You have the option to delete this information at any time as needed.

## Location Permission

When you use our APP, we will request access to your approximate location. This helps us understand your geographical area. On one hand, based on local financial policies and our business coverage, we can accurately recommend suitable loan products and services to you. On the other hand, during the risk assessment process, it allows us to confirm that you are within our lending scope, enhancing the accuracy of risk identification and safeguarding the interests of both borrowers and lenders.

This permission is only used in essential business scenarios, and we fully respect your privacy choices regarding location information. The location data will be encrypted and uploaded to the server: https://wwq.rexenfintech.org. You can delete it at any time if you wish.

## Camera Permission

During the loan process, camera permissions are mainly used for two crucial operations. The first is facial recognition, which is a vital part of identity verification. The camera captures your facial image to confirm that you are the one performing the operations, significantly enhancing account security. The second use is to take photos of documents such as ID cards and bank cards. This enables quick information upload, simplifies the loan application process, and improves processing efficiency.

All data captured via the camera will be encrypted and uploaded to the server at https://wwq.rexenfintech.org. You have the ability to delete this data at any time as per your requirement.

## Application List Permission

With your consent, we will obtain information about the applications you have actively installed. We will not access programs within the device's system. The purpose of this is not to invade your privacy but rather to analyze your app usage patterns and identify potential risks from a security risk control perspective. For instance, if we detect that you have installed a large number of high-risk or fraudulent applications, we can issue early warnings and implement additional security measures to ensure the safety of your funds and the stability of loan transactions.

Our APP ensures that data collection and analysis are solely for the purpose of enhancing service security and quality, without any improper intrusion into your personal privacy. The data will be encrypted and uploaded to the server: https://wwq.rexenfintech.org. You can delete it at any time if necessary.

## Contact Information Permission

This permission is mainly used to reach out to you in emergency situations. When other communication methods fail, such as when a loan is overdue or there are important security matters to be communicated, we may attempt to contact the emergency contacts in your address book to convey critical information and jointly maintain a healthy financial order. Additionally, we may use this information to call back users with good repayment records to offer more benefits.

To protect the privacy of your contacts, all related data will be encrypted and uploaded to the server: https://wwq.rexenfintech.org. You can delete this data at any time as per your preference.

##Device Permissions

We collect device information, including the device model, operating system version, IMEI number, etc., for the following purposes. Firstly, this information helps us adapt to different devices, ensuring that our APP runs stably and smoothly on your phone, thereby providing you with an excellent user experience. Secondly, from a security standpoint, device information can serve as a unique identifier to recognize the device and monitor for abnormal login and operation activities. If an unfamiliar device attempts to log into your account or there are any abnormal transactions, we can promptly take security measures such as freezing the account and sending alerts to protect the security of your account funds.

All device-related data will be encrypted and uploaded to the server at https://wwq.rexenfintech.org. You can delete this information at any time if you so desire.

How we use your personal information？

Provide loan services: We use your personal information to process and review your loan application, determine the loan amount, interest rate and repayment plan, issue loans to you, and manage your loan account, including repayment reminders, overdue notices, etc.

Personalized services: By analyzing your personal information and usage behavior, we can provide you with personalized services and recommendations, such as loan products and promotions that meet your needs, to enhance your user experience.

Improve products and services: We use the collected information to analyze the usage of the application, identify user needs and pain points, so as to improve and optimize our products and services and develop new functions and features.

Security and risk management: We use your personal information to prevent and detect fraud, abuse and other security risks, and protect the security of your account and the security of our business operations. For example, prevent fraudulent loan applications through device identification and credit assessment.

Legal compliance: We may use your personal information to fulfill our legal obligations, such as cooperating with investigations by regulators, in accordance with the requirements of laws and regulations or the legitimate requests of government departments.

How do we store your personal information?

Storage location: We store your personal information on our servers located at wwq.rexenfintech.org

, which are protected by strict security measures to ensure the security of your information.

Storage period: We will only retain your personal information for the period necessary to achieve the purposes described in this Agreement, unless otherwise required or permitted by laws and regulations for a longer retention period. For example, after your loan account is closed and all related debts are paid off, when your personal information is no longer needed, we will delete or anonymize the information in a secure manner.

How we protect your personal information

Security technical measures: We use industry-leading security technical means to protect the security of your personal information. For example, we encrypt data in transmission and use the SSL (Secure Sockets Layer) encryption protocol to prevent data from being stolen or tampered with during network transmission; we encrypt personal information stored on the server to ensure that even if the data is illegally obtained, it is difficult to interpret. At the same time, we set up a strict access control mechanism so that only authorized personnel can access your personal information, and all access behaviors will be recorded in detail for traceability and auditing.

Personnel management measures: We conduct strict background checks and on-the-job training for employees who come into contact with your personal information to ensure that employees have good professional ethics and privacy protection awareness. We sign confidentiality agreements with employees to clarify their confidentiality responsibilities and obligations for your personal information. Employees who violate confidentiality regulations will be subject to serious disciplinary sanctions, up to and including legal liability. In addition, we regularly conduct information security training for employees to enhance their awareness of information security risks and their ability to prevent them.

Your rights

Right to access: You have the right to access your personal information on the Gold Source Ultra platform at any time, including account information, loan application records, personal information, etc. You can log in to this software and easily query your personal information in the personal center or related settings interface.

Right to correction: If you find that your personal information stored by us is wrong or inaccurate, you have the right to ask us to correct it. You can submit a correction application to us through the feedback channels in the software, such as online customer service, feedback portal, etc., and provide correct information and relevant supporting materials. We will make corrections in a timely manner after verification.

Right to delete: In compliance with laws and regulations, you have the right to request us to delete your personal information. For example, when we no longer need your information to provide services, or you withdraw your consent to our use of your information, and there is no other legal reason for retention. You can contact our customer service team to make a deletion request, and we will delete the relevant information as soon as possible after confirmation.

Right to withdraw consent: For certain personal information that requires your authorization and consent to be collected and used, you have the right to withdraw your consent at any time. You can withdraw your consent through the privacy settings of your device (such as turning off location information authorization) or the relevant function settings in this software (such as canceling the receipt of marketing notifications). After withdrawing your consent, we will no longer continue to collect and use your relevant information based on the consent, but it will not affect the legal processing we have carried out before you withdraw your consent.

Protection of minors

We attach great importance to the protection of minors' personal information. This software does not provide services to minors under the age of 18, and we will not intentionally collect personal information of minors. If we find that we have accidentally collected personal information of minors, we will immediately take measures to delete the relevant information. If you are the guardian of a minor and find that a minor has provided us with personal information, please contact us in a timely manner and we will do our best to assist you in handling related matters.

Update of Privacy Policy

We may update this privacy agreement in a timely manner according to changes in laws and regulations, business development needs or other actual situations. The updated agreement will be published in a prominent position in this software and the update effective date will be clearly stated. We recommend that you review this privacy agreement regularly to understand the latest changes in how we handle your personal information. If you continue to use this software after the agreement is updated, it will be deemed that you agree to be bound by the updated agreement.

If you have any questions, suggestions, or comments about this Privacy Agreement, our services, or the handling of your personal information, or need more help, you can contact us in the following ways:

Email: Send an email to RexenFintech@gmail.com. Please indicate [Privacy Agreement Consultation] or related topics in the email title so that we can handle it quickly. We will reply to you within 3 working days after receiving the email.

Customer Service Phone: Call the customer service hotline +234 82213229881. The service hours are Monday to Friday 8.30 am to 5.30 pm. If the call is busy, please wait patiently and we will answer your call as soon as possible.

We attach great importance to your feedback and will take every opinion and suggestion seriously, and will process and respond to it in a timely manner, and strive to provide you with better service and experience.

REXEN FINTECH LTD