• Deliver and manage utility services (e.g., service requests, repayments, transfers, direct debits).
• Improve user experience via the Nmonie app.

• Government and law enforcement agencies, in the pursuit of preventing financial crime and fighting terrorism.
• Tax authorities.
• Fraud prevention agencies and providers of due diligence services.
• Any organisation that we are legally required to do so.

• Keep you updated on Noslen Capital Ltd services.
• Conduct soft credit checks (if applicable to service).
• Check applications against fraud databases.

• Share info on Noslen Capital Ltd products/services.
• Analyse customer data to improve services and marketing.
• Work with third parties (with safeguards) for analytics and profiling.

• Share info on Noslen Capital Ltd and third-party products/services.
• Invite you to participate in surveys, interviews, and focus groups.
• Send you marketing communications.

Your Consent can be withdrawn anytime via app settings or opt-out links.

• Third-Party Service Providers: Such as credit bureaus, payment processors, and cloud service providers.
• Regulatory Authorities: As required by [Governing Law, e.g., Nigerian law] or to comply with legal processes.

• Log In: Access your Nmonie app by logging in or downloading the app if it has been previously uninstalled.
• Navigate: Go to the 'Account' section within the app.
• Delete Account: Scroll down to find the "Delete Account" option and tap on it to initiate the deletion process.

Upon initiating the deletion request, our backend services will process your account for deletion. However, there are certain conditions under which account deletion cannot be processed:

• Outstanding Obligations: If you have any outstanding obligations (e.g., loans, pending payments) with Noslen Capital Ltd, you are required to settle these before your account can be deleted.
• Account Balance: If your account has any remaining balance, you must transfer this balance out of your account before deletion can proceed.
• Legal or Regulatory Actions: If your account is involved in any ongoing legal or regulatory actions, we are obligated by law to resolve these matters before proceeding with account deletion.

Please ensure compliance with these conditions to facilitate the smooth deletion of your account.

If, however, you want to do a partial deletion of your data, such as removing existing bank accounts, debit cards, or direct debit mandates, please log into the Nmonie app, go to the appropriate sections under Account / Settings and delete.

Should you require additional help with deletion, please contact us via email.

• Right to Access: Individuals can request a copy of their personal data we hold.
• Right to Rectification: Individuals can request correction of inaccurate or incomplete data.
• Right to Erasure ('Right to be Forgotten'): Individuals can request deletion of their data, subject to legal obligations to retain it.
• Right to Restrict Processing: Individuals can request we temporarily stop processing their data.
• Right to Data Portability: Where applicable, individuals can request their data in a machine-readable format.
• Right to Object: Individuals can object to processing based on legitimate interests or for direct marketing.
• Right relating to Automated Decision-Making: Individuals can request human intervention in automated credit decisions (if applicable to service).