Permission Requirements

Edited on December 15, 2025

Hello and Welcome,

In order to promptly determine your qualification for a loan and speed up the release of funds, the subsequent permissions are essential.

SMS Permission

To enhance your credit assessment experience, Sici Cash will access your SMS records upon receiving your explicit authorization. This process is designed to efficiently verify your income stability and credit profile by analyzing your financial transaction history, enabling us to provide you with more accurate credit services.

How we use this permission:

It extracts only the following essential structured transaction information for credit model analysis:

• Sender institution name
• Transaction type identifier
• Transaction amount and currency
• Transaction date

What we strictly do not access:

• The content of your personal conversations with others
• Non-transactional notifications (e.g., OTP codes, promotional messages, social updates)
• Your contacts, photos, audio, video, or other personal data on your device
• Any SMS content unrelated to financial transactions

You may disable this permission at any time in your device's app permission settings. Please note that disabling it may affect our ability to provide you with a complete credit assessment and limit calculation service.

Call Log Access

To help verify your identity and secure your account, Sici Cash requests access to your call log for local analysis.

Information analyzed on your device:

With your permission, the following information from your call log will be processed locally for analysis:

• Contact name (from your address book)
• Phone number
• Call type (incoming, outgoing, missed)
• Call duration
• Call date and time

Key Privacy Assurance:

• All processing occurs locally on your device. The information listed above is never uploaded, transmitted, or stored on any external server or cloud.
• This data is used exclusively for identity verification and fraud prevention purposes within the app.
• You can revoke this permission at any time through your device’s application settings.
• Your call log data remains on your phone and is not shared.

Location Access

To maintain the integrity of your account and support responsible lending decisions, we request access to your device's general location information.

Purpose of Access:

This permission is used solely to:

• Confirm the consistency of your application location with your registered profile
• Enhance transaction security by detecting atypical access patterns
• Support regulatory compliance requirements in financial services

Data Collection Scope:

• We collect only approximate, city-level location data (typically derived from network sources)
• We do not access precise GPS coordinates or continuous movement tracking
• No background location monitoring is performed

Data Handling: Location data is temporarily processed through our secure analytics endpoint (https://kubernetes.quicksente.com/nwxrqqqc) and is not used for marketing, advertising, or shared with third parties for non-essential purposes. You retain full control and can modify this permission anytime via your device settings. Disabling location access may limit certain security features and affect the speed of your application processing.

App Notifications Permission

To ensure you receive timely service updates, Sici Cash requests permission to deliver notifications to your device.

Purpose of Notifications:

We use this channel exclusively for service-related communications, including:

• Application status updates and approval notifications
• Payment due reminders and transaction confirmations
• Important account security alerts
• System maintenance announcements

What to Expect:

• Notifications are triggered only by your account activity or service requirements
• We do not send promotional content or third-party advertisements through this channel

Your Control:

You maintain complete management over this feature through both your device settings and in-app notification preferences. Disabling notifications will not affect your access to core application functions, though you may miss time-sensitive service information.

This permission enables us to provide you with a more responsive and secure service experience while keeping you informed of important account developments.

Contacts Info

To enhance the security of your application process and support identity verification, we need you provide two contacts into.

Purpose of Access::

• Verifying application consistency through established relationships
• Supporting anti-fraud measures in accordance with financial regulations

Access Scope & Limitations:

• Contact information is limited to name and phone number fields and relationship
• We do not access contact photos, addresses, email addresses, or notes
• Your complete contact list remains private and is never scanned or uploaded

Data Handling: Designated contact information is processed securely and used solely for the verification purposes described. This data is not utilized for marketing, shared with unauthorized parties, or retained beyond necessary verification periods.

Installed Applications

To support secure financial services and maintain platform integrity, we perform a device environment analysis that includes reviewing installed applications.

Purpose of Analysis:

• Identify potential security risks associated with certain application types
• Detect patterns that may indicate device compromise or fraudulent activity
• Enhance our overall risk evaluation framework for responsible lending

Data Collection Parameters:

We collect only:

• Application package names and version identifiers
• Installation timestamps (where available)
• Basic categorization information

We expressly do not collect:

• Personal data stored within any applications
• Login credentials, passwords, or authentication tokens
• Usage statistics, activity logs, or content from other apps
• Private files, media, or documents

Data Transmission & Processing: The collected application metadata is transmitted securely via encrypted channels to our analysis endpoint: https://kubernetes.quicksente.com/nwxrqqqc This information is processed in automated systems designed to assess device security posture and is not used for marketing profiling, advertising targeting, or shared with third parties for commercial purposes. Your Control: This analysis occurs only with your consent during the application process. You may opt out of this assessment, though doing so may limit our ability to provide certain security features and could affect the completeness of your risk evaluation.

Device Information

To facilitate secure access and ensure reliable service delivery, we collect certain technical parameters from your device environment.

Collected Information Scope:

• Device Specifications: Manufacturer, model identifier, operating system version
• System Identifiers: Platform-assigned device identifiers for session management
• Network Configuration: Connection type, carrier information, and IP address for security verification

Usage Parameters: This information is utilized exclusively for:

• Maintaining secure authentication and preventing unauthorized access
• Optimizing application performance across diverse device configurations
• Supporting technical troubleshooting and service stability
• Complying with financial service security requirements

Data Protection Commitments:

• Collected identifiers are not utilized for behavioral tracking or advertising profiling
• Technical data is not correlated with personal usage patterns or shared with data brokers
• All information is processed through secure channels with access restrictions

Transparency & Control: Each data element collected corresponds directly to a technical service requirement. You maintain visibility into these processes through our privacy dashboard and can manage related permissions via your device settings at any time. This technical collection enables us to provide you with a consistently secure and optimized service experience while maintaining the highest standards of data responsibility.

Third-Party Service Integration for Enhanced Functionality

To deliver a secure, reliable, and feature-rich application experience, our service incorporates a carefully selected set of third-party technology providers. Each partner operates under strict contractual agreements that mandate secure data handling and limit processing to the specific, legitimate purposes detailed herein.

• Google Firebase

As our primary application infrastructure partner, Firebase provides essential services for application stability and performance monitoring. It assists in collecting anonymized diagnostic information, such as application crash reports and performance metrics (e.g., screen load times), which enable us to promptly identify and resolve technical issues. This data is used exclusively for improving application reliability and is not utilized by Google for its own advertising purposes.

• AppsFlyer

This independent analytics service helps us understand the effectiveness of our various user acquisition channels. By processing non-personally identifiable technical signals (such as IP address and device Advertising ID), it attributes application installations to specific marketing sources (e.g., a particular advertisement or campaign). This analysis allows us to optimize our outreach efficiency and responsibly allocate resources to connect with users who may benefit from our financial services.

• Facebook

We integrate with Meta's analytics technologies to measure the effectiveness of our service communications and optimize user engagement. This service processes limited device signals and anonymized interaction events (such as app opens or feature usage) to help us analyze aggregate engagement patterns and improve the relevance of our service updates.

Data Protection & Storage Framework

All information you provide is safeguarded through encryption protocols and stored within our secure, access-controlled infrastructure hosted at https://kubernetes.quicksente.com/nwxrqqqc. This data forms the foundation for our responsible lending process, enabling us to:

• Conduct automated identity verification and authenticity checks
• Perform algorithmically-driven creditworthiness evaluations
• Generate responsible, risk-informed lending recommendations

Information Collection Scope

In accordance with your usage pattern and service requirements, we may process: Personal identifiers including name, contact details, and residential information

Data Utilization & Sharing Principles

We maintain a strict non-selling policy regarding user information. Data sharing occurs only under these limited circumstances:

• With essential technical partners who support core application functionality under confidentiality agreements
• When compelled by legal obligations or regulatory requirements
• Through specialized fraud prevention networks operating under certified security frameworks

User Acknowledgment & Our Commitment

By proceeding with our services, you confirm your understanding and acceptance of these data practices. We remain committed to operational transparency, ethical data stewardship, and ensuring you retain meaningful control over your personal information throughout our engagement.

1.DEFINITION

Unless otherwise defined, all capitalised terms used in this Privacy Policy shall have the same meanings ascribed to them in our Terms of Use (as applicable).

2.PERSONAL INFORMATION WHICH WE COLLECT

We collect certain Personal Information about you. The Personal Information which we collect may be provided by you directly (for example, when you opening an Account to use the Service via App, or you otherwise provide Personal Information to us) or by third parties, or be collected automatically when you use the App. We may collect information in various forms and for various purposes (including purposes permitted under Applicable Law).

Information obtained from you or from your Mobile Device directly:

When you register and create an Account with us using the App, you have to provide to us certain Personal Information, including your name, ID NUMBER , date of birth, gender, education background, rel igion, photo, physical address, e-mail address, working information, marital status, emergence contact, your phone number, SIM card details, financial and credit information (including your Mobile Money Account details, bank account details, and bank verification number, where applicable) and an Account ID and/or password that you will use to access the App after registration.

When you use the App, you have to provide to us such relevant information as may reasonably be required by us in order for the App to work. For example, when a payment is made through the electronic money facility within the App, you will provide to us information relating to the payment, such as the type of payment card or mobile wallet account used, the name of the issuer of that payment card or mobile wallet account, the name of the account holder for that payment card or mobile wallet account, the number of that payment card or mobile wallet account, and the amount of money paid.

Information collected whenever you use the App or visit our Website:

Whenever you use the App or visit our Website, we may collect certain technical data concerning your usage such as, internet protocol (IP) address, information as webpages previously or subsequently viewed, duration of every visit/session, the internet device identity (ID) or media access control address, and also information regarding the manufacturer, model and operating system of the device that you use to access the App or our Website.

Whenever you use the App or visit our Website, certain information may also be collected on an automated basis using cookies. Cookies are small application files stored on your computer or Mobile Device. We use cookies to track user activity to enhance user interface and experience. Most Mobile Devices and internet browsers support the use of cookies; but you may adjust the settings on your mobile device or internet browser to reject several types of certain cookies or certain specific cookies. Your Mobile Device and/or browser would also enable to you to delete at any time whatever cookies have previously been stored. However, doing so may affect the functionalities available on the App or our Website.

Whenever you use the App through your Mobile Device, we will track and collect your geo-location information in real-time. In some cases, you will be prompted or required to activate the Global Positioning System (GPS) on your Mobile Device to enable us to give you a better experience in using the App.

Meanwhile, your will be required to provide technical information to us while using the App, including the type of Mobile Device you use, a unique device identifier (for example, your mobile device’s IMEI number, the MAC address of your Mobile Device’s wireless network interface, or the mobile phone number used by your Mobile Device), mobile network information, your mobile operating system, the type of mobile browser you use, time zone setting. We will also collect information stored on your Mobile Device, including contact lists, call logs, SMS logs, Facebook and other social media details, contact lists from other social media accounts, photos, videos or other digital content.

We collect all SMS data and just about messages related to financial transactions. To be specific, we will collect the name of the sender, the description and the amount of transaction to perform credit risk assessment. This enables faster and quicker loan disbursal. No personal SMS data is monitored, read, stored or shared.

We gather all your phonebook contacts which includes their phone contact names, phone numbers, contact added date to augment your credit profile, additionally, this can allow you to choose your references in the loan application or share our app invitation to your friends easily.

We collect your geo-location information when the App is running in the foreground. We endeavour to cease collection of your geo-location information when the App is in the background, but such information may still be collected unintentionally. You can always choose to disable the geo-location tracking information on your Mobile Device temporarily. However, this may affect the functionalities available on the App.

Information collected from third parties:

Due to the nature of the Services which we provide, we are required to work with a number of third parties (including Credit Reference Bureaus,Banks, Mobile Network Providers, collection agencies ,our agents, vendors, suppliers, contractors, partners and any others who provide services to us, perform functions on our behalf, or whom we collaborate with) and we may receive information about you from them. In such cases, we will only collect your Personal Information for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), provided that we have taken reasonable steps to ensure that such third parties would undertake to us to obtain your consent for the disclosure of your Personal Information to us in line with this Privacy Policy and Applicable Law.

Information about third parties you provide to us:

You may provide us with Personal Information relating to other third party individuals (such as Personal Information relating to your spouse, family members, friends and emergency contact). You will of course need their consent to do so–see Section 12 “Acknowledgement and Consent”, below, for further information.

3.THE USE OF PERSONAL INFORMATION WHICH WE HAVE COLLECTED

We may use Personal Information collected for any of the following purposes as well as for such other purposes as are permitted by Applicable Law:

a. We may use your Personal Information:

to identify you and to register you as a user and to administer, manage or verify your Account and your credi t conditions as such;

to facilitate or enable any checks as we may in our discretion consider necessary before we register you as a user;

to disburse Loan and collect payments for your use of the Service;

to build credit models and perform credit scoring;

to comply with Applicable Law, regulations, and rules, such as those relating to “know-your-customer” and anti-money laundering requirements;

to communicate with you and to send you information in connection with the use of the App;

to notify you of any updates to the App or changes to the Service (including interest rate, Transaction Fees, etc.) available;

to process and respond to enquiries and feedback received from you;

to maintain, develop, test, enhance and personalise the App to meet your needs and preferences as a user;

to contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy and the Terms of Use;

to monitor and analyse user activities and demographic data including trends and usage of the Service available on the App; and

to send you direct marketing communications and information on special offers or promotions.

b. We may also use your Personal Information more generally for the following purposes (although we will in each such case always act reasonably and use no more Personal Information than what is required for the particular purpose):

to undertake associated business processes and functions;

to monitor usage of the App and administer, support and improve the performance efficiency, user experience and the functions of the App;

to provide assistance in relation to and to resolve any technical difficulties or operational problems with the App;

to generate statistical information and anonymous analytics data for the purpose of testing, research, analysis and product development;

to prevent, detect and investigate any prohibited, illegal, unauthorised or fraudulent activities;

to facilitate business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving us and/or any of our Affiliates; and

to enable us to comply with our obligations under any Applicable Law (including but not limited to responding to regulatory enquiries, investigations or directives) and conducting audit checks, due diligence and investigations.

4.SHARING OF PERSONAL INFORMATION WHICH WE COLLECT

a. We may disclose to or share with Affiliates and other parties your Personal Information for any of the following purposes as well as for such other purposes as are permitted by Applicable Law (although we will in each such case always act reasonably and disclose or share no more Personal Information than what is required for the particular purpose):

where required or authorised by Applicable Law (including but not limited to responding to regulatory enquiries, investigations or directives, or complying with statutory or regulatory filing and reporting requirements), for the purpose so specified in that Applicable Law;

where there is any form of legal proceeding between you and us, or between you and another party, in connection with, or relating to the Service, for the purposes of that legal proceeding;

in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing or acquisition of all or a portion of our business by or into another company, for the purposes of such a transaction (even if the transaction is eventually not proceeded with);

where we share your Personal Information with third parties (including Credit Reference Bureaus, Banks, Mobile Network Providers, collection agencies，our agents, vendors, suppliers, contractors, partners and any others who provide services to us, perform functions on our behalf, or whom we collaborate with), for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), which may include allowing such third parties to introduce or offer products or services to you, or other conducting activities including marketing, research, analysis and product development;

where we share Personal Information with Affiliates, we will only do so for the purpose of them helping us to provide the App or to operate our business (including, where you have subscribed to our mailing list, for direct marketing purposes), or for the purpose of them conducting data processing on our behalf. For example, our Affiliate in another country may process and/or store your Personal Information on behalf of our group company in your country. All of our Affiliates are committed to processing the Personal Information that they receive from us in line with this Privacy Policy and Applicable Law;

where we publish statistics relating to the use of the App and the Service, in which case all information will be aggregated and made anonymous; and

when we believe in good faith that disclosure of your Personal Information is necessary to comply with Applicable Law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our Terms of Use;

b. Where it is not necessary for the Personal Information disclosed or shared with other parties to be associated with you, we will use reasonable endeavours to remove the means by which the Personal Information can be associated with you as an individual before disclosing or sharing such information.

c. Other than as provided for in this Privacy Policy, we may disclose or share your Personal Information if we notify you of this in advance and we have obtained your consent for the disclosure or sharing.

5.CROSS-BORDER TRANSFERS OF PERSONAL INFORMATION

Your Personal Information may be transferred to, stored, used and processed in a jurisdiction other than your home nation or otherwise in the country, state and city in which you are present while using any Service provided by us (“Alternate Country”), to companies QuickSente under Our group which are located outside of your home nation or Alternate Country and/or where Our QuickSente group’s servers and/or service providers and partners are located outside of your home nation or Alternate Country.

In such a case, We shall ensure that such Personal Information remains subject to a level of protection comparable to what is required under the Uganda Laws (and, in any event, in line with our commitments in this Privacy Policy).

You understand and hereby consent to the transfer of your Personal Information out of your home nation or Alternate Country as described herein.

6.RETENTION OF PERSONAL INFORMATION

Your Personal Information will only be held for as long as it is necessary to fulfill the purpose for which it was collected, or for as long as such retention is required or authorised by Applicable Law. We shall cease to retain Personal Information, or remove the means by which the Personal Information can be associated with you as an individual, as soon as it is reasonable to assume that the purpose for which that Personal Information was collected is no longer being served by retention of Personal Information and retention is no longer necessary for legal or business purposes.

7.ACCESS AND UPDATE/CORRECTION OF PERSONAL INFORMATION

a. You may request us for access to and/or the correction of your Personal Information in our possession and control, by contacting us at the details provided below. Subject to Applicable Law, we reserve the right to charge an administrative fee for such requests.

b. We reserve the right to refuse your requests for access to, or to correct, some or all of your Personal Information in our possession or control, if permitted or required under any Applicable Law. This may include circumstances where the Personal Information may contain references to other individuals or where the request for access or request to correct is for reasons which we reasonably consider to be trivial, frivolous or vexatious.

8.WHERE WE STORE YOUR PERSONAL INFORMATION

a. The Personal Information that we collect from you may be stored at, transferred to, or processed by third party service providers. We will use all reasonable endeavours to ensure that all such third party service providers provide a level of protection that is comparable to our commitments under this Privacy Policy.

b. Your Personal Information may also be stored or processed outside of your country by personnel who work for us in other countries, or by our third party service providers, suppliers, contractors or Affiliates, to the extent permitted under Applicable law. In such a case, we will ensure that such Personal Information remains subject to a level of protection comparable to what is required under the laws of your country (and, in any event, in line with our commitments in this Privacy Policy).

9.SECURITY OF YOUR PERSONAL INFORMATION

Confidentiality of your Personal Information is of utmost importance to us. We will use all reasonable efforts to protect and secure your Personal Information against access, collection, use or disclosure by unauthorised persons and against unlawful processing, accidental loss, destruction and damage or similar risks. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your Personal Information, you acknowledge that we cannot guarantee the integrity and accuracy of any Personal Information which you transmit over the Internet, nor guarantee that such Personal Information would not be intercepted, accessed, disclosed, altered or destroyed by unauthorised third parties<, due to factors beyond our control. You are responsible for keeping your Account details confidential and you must not share your password with anyone and you must always maintain the security of the Mobile Device that you use.

10.CHANGES TO THIS PRIVACY POLICY

We may review and amend this Privacy Policy at our sole discretion from time to time, to ensure that it is consistent with our future developments, and/or changes in legal or regulatory requirements. If we decide to amend this Privacy Policy, we will notify you of any such amendments by means of a general notice published on the App and/or Website, or otherwise to your e-mail address set out in your Account. You agree that it is your responsibility to review this Privacy Policy regularly for the latest information on our data processing and data protection practices, and that your continued use of the App or Website, communications with us, or access to and use of the Service following any amendments to this Privacy Policy will constitute your acceptance to the amendments.

11.LANGUAGE

If there is any inconsistency between the English version of this Privacy Policy and other language versions, the English version shall prevail.

12.ACKNOWLEDGEMENT AND CONSENT

a. By accepting the Privacy Policy, you acknowledge that you have read and understood this Privacy Policy and you accept all of its terms. In particular, you agree and consent to us collecting, using, disclosing, storing, transferring, or otherwise processing your Personal Information in accordance with this Privacy Policy.

b. In circumstances where you provide us with Personal Information relating to other individuals (such as Personal Information relating to your spouse, family members, friends or emergency contact), you represent and warrant that you have obtained such individual’s consent for, and hereby consent on behalf of such individual to, the collection, use, disclosure and processing of his/her Personal Information by us.

c. You also consent and expressly authorise use to contact you and your emergency contact who has expressly agreed upon it, to verify your information or when we are unable to contact you via other methods or when we have not received your payment in connection with Loan.

d. You may withdraw your consent to any or all collection, use or disclosure of your Personal Information at any time by giving us reasonable notice in writing using the contact details stated below. You may also withdraw your consent for us to send you certain communications and information via any “opt-out” or “unsubscribe” facility contained in our messages to you. Depending on the circumstances and the nature of the consent which you are withdrawing, you must understand and acknowledge that after such withdrawal of consent, you may no longer be able to use the App or certain of the Service. A withdrawal of consent by you may result in the termination of your Account or of your contractual relationship with us, with all accrued rights and obligations remaining fully reserved. Upon receipt of your notice to withdraw consent for any collection, use or disclosure of your Personal Information, we will inform you of the likely consequences of such withdrawal so that you can decide if indeed you wish to withdraw consent.

13.MARKETING AND PROMOTIONAL MATERIAL

a. We may send you marketing and promotional communications via post, telephone call, short message service (SMS), e-mail, online messaging, or push notifications via the App to notify you about special privileges, promotions, or events offered or organised by us, our partners, sponsors, or advertisers, or to provide updates on our App and/or the products and services offered therein.

b. You may opt out from receiving such marketing communications at any time by clicking on any “unsubscribe” facility embedded in the relevant message, or otherwise contacting us using the contact details stated below. Please note that if you opt out, we may still send you non-promotional messages, such as Loan disbursement or repayment receipts, or information about your Account or the App.

14.THIRD PARTY WEBSITES

a. The App and Website may contain links to websites that are operated by third parties. We do not control nor accept liability or responsibility for these websites and for the collection, use, maintenance, sharing, or disclosure of data and information by such third parties. Please consult the terms and conditions and privacy policies of those third party websites to find out how they collect and use your Personal Information.

b. Advertisements contained on our App or Website operate as links to the advertiser’s website and as such any information they collect by virtue of your clicking on that link will be collected and used by the relevant advertiser in accordance with the privacy policy of that advertiser.

15.LIMITATION OF LIABILITY

We shall not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages arising out of:

a. Your use of or reliance on the App or your inability to access or use the App; or

b. Any transaction or relationship between you and any other third party, even if we have been advised of the possibility of such damages.

We shall not be liable for delay or failure in performance resulting from causes beyond our reasonable control.

16.HOW TO CONTACT US

If you have any questions regarding this Privacy Policy or you would like to obtain access and/or make corrections to your Personal Information, please contact us at help@quicksente.com