Fido Micro Credit (referred to as "Fido Micro Credit" or "Fido") is an online lending company regulated by the Bank of Ghana. We provide lending products and services accessible from our mobile application and website, http://www.fidocredit.com.
We require personal information to operate and successfully provide our online lending products and services. The User provides us with personal information through our mobile application and website which falls under the following categories: (a) personal information provided by the User such as registration information, billing and collection information, and any information as a result of the User's communication and commercial relationship with us, (b) personal and device information collected automatically through the use of our mobile application and website such as device information, log data, product usage data and information stored on the device such as installed applications, SMS logs, contact lists, primary email address, third party account and device phone number information; and (c) personal information collected from third-party sources such as public data bases (credit reference bureaus and identification registries), social network accounts with consent from the User, and third-party data providers. We take steps to ensure that third parties are legally and contractually bound to disclose personal information to us.
We use, collect, store, process and analyze the personal information and data that we collect from the User for the following purposes:
We retain personal information and data where we have an ongoing legitimate business or legal need to do so. Our retention periods will vary depending on the type of personal information or data involved, but, generally, we will refer to these criteria in order to determine retention period: