Privacy policy

1.Scope

This policy applies to personal information processed by Inclusive Nova Lending Inc. when you visit this website, register an account, apply for credit, complete identity verification, receive disbursement or repayment support, or contact customer service.

In this policy, "Navo Credit", "we", "us", and "our" refer to the app, its operator, and authorized service partners where applicable. "You" and "your" refer to users, applicants, and customers of our services.

2.Information we collect

To create your account, verify your identity, assess eligibility, provide services, prevent fraud, and comply with legal obligations, we may collect the following categories of information through the app, this website, and authorized support channels:

• Identity and verification. Full legal name, date and place of birth, occupation, government ID details, KYC status, selfie and facial verification data, and other proof needed to confirm your identity.
• Contact and account. Mobile number, email address, residential address, and emergency or reference contacts you provide or authorize.
• Financial and credit. Application details, requested amount, income or employment information, disbursement and repayment account details, transaction and repayment history, and records used to assess credit reliability.
• Device and security. IP address, device model, operating system, carrier, device identifiers, app event logs, and other fraud-prevention indicators.
• Permission-based data. Where allowed by law and only with your consent — such as location, relevant SMS signals, installed-app information, or images for verification — used for security, fraud prevention, and eligibility assessment.
• Support records. Customer service messages, complaint details, uploaded documents, and our responses.

3.Why we collect it

• Account creation, authentication, identity verification, and account security.
• Credit application review, eligibility assessment, loan processing, disbursement, and repayment management.
• Fraud detection, risk monitoring, and prevention of platform abuse.
• Customer support, complaints handling, and essential account notices.
• Service improvement, troubleshooting, audit, and quality control.
• Legal and regulatory compliance, including anti-money-laundering and consumer-protection requirements.
• Marketing or promotional communications only where allowed by law and, where required, with your consent.

4.Sharing and disclosure

We may share personal information when required by law, authorized by you, or necessary to provide and protect our services. Recipients may include:

• Credit bureaus, rating agencies, and other financial-service participants, where permitted.
• Payment, identity-verification, cloud-hosting, analytics, and customer-support providers.
• Professional advisers, auditors, and parties to a lawful corporate transaction.
• Regulators, courts, and authorities when disclosure is required or permitted by law.
• Other third parties you authorize or consent to.

We require service providers to use personal information only for authorized purposes and to apply appropriate confidentiality and security safeguards.

5.Protection & retention

We keep personal information only as long as needed for the purposes described in this policy, to meet legal or regulatory requirements, or to resolve disputes. After that, it is deleted or de-identified following our retention schedules.

6.Security

We apply technical and organizational measures to protect personal information against loss, unauthorized access, and misuse. No method of transmission or storage is perfectly secure. If you believe your data has been compromised, contact us using the details below.

7.Your rights

Under the Data Privacy Act, you have the right to access your personal information, request correction of inaccurate data, request deletion where applicable, object to processing, withdraw consent, and lodge a complaint with the National Privacy Commission. To exercise any of these rights, contact us using the details below. We respond within a reasonable time and may ask you to verify your identity first.

8.Minors

Our services are not directed to anyone under 18. We do not knowingly collect personal information from minors. If you believe a minor's information has reached us, contact us and we will delete it.

9.Updates

We may update this policy to reflect changes in our services or legal requirements. Material changes will be announced on this page, and the effective date below will be adjusted.

10.Contact

Data privacy contact: support@navocredit.top
Complaints: support@navocredit.top
Phone: 9386478254

Effective date: November 10, 2026