Privacy Policy
The short version
The app has no account, no login and no server of its own. It never asks for your name, BVN, NIN, bank details, password or one-time code. Amounts you type into the calculators and ticks on the checklist stay on your device and are removed when you uninstall the app.
The one exception is advertising: the app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier to serve them. That is described below.
1. Loan applications and applicant data
Easemoni Loan does not receive loan applications and does not collect, store or transmit applicant information of any kind — no identity numbers, income details, employment details, documents or photos. Calculator inputs are used only to show a result on your screen.
The app does not request and has no access to your contacts, SMS messages, call logs, photos or media, files, camera, microphone or precise location. The only permission it declares is internet access, used for advertising and for the advert configuration file described in section 5.
2. Information stored on your device only
| What | Why |
|---|---|
| Checklist ticks and which guide chapters you have opened | So your progress survives closing the app |
| Theme preference and whether the introduction has been shown | App settings |
| Launch count, advert pacing counters and any ad-free time you have earned | To limit how often adverts appear |
| The last advert configuration file downloaded | So adverts follow the latest settings when you are offline |
None of this is uploaded or synced, and none of it is visible to us. It is stored with Android DataStore and removed when you uninstall the app or clear its storage.
3. Advertising (Google AdMob)
The app is free and is supported by adverts supplied by Google AdMob. To serve adverts, measure them and limit repetition, the Google Mobile Ads SDK may collect and process:
- Your device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Coarse, IP-derived region used for advert delivery
- Advert interaction events, such as an impression or a click
This data is collected and shared with Google for advertising purposes. We do not receive it and cannot link it to you. Google's handling of it is described in How Google uses information from sites or apps that use its services and the Google Privacy Policy.
Your choices
- Where the law requires it, a consent form from Google's User Messaging Platform appears before any advert is requested. You can change or withdraw that consent at any time from Settings → Privacy choices in the app.
- You can reset or delete your advertising identifier, and opt out of personalised adverts, in your device settings under Settings → Google → Ads (wording varies by device).
4. Crash and diagnostic information
The app contains no analytics or crash-reporting SDK of its own. If you have chosen to share diagnostics with Google through your Android settings, Google Play may provide anonymous crash statistics to the developer through the Play Console.
5. Network requests
- Advert configuration. A small JSON file is fetched over HTTPS so adverts can be adjusted or switched off without an app update. The request contains no information about you.
- Advert serving. Requests made by the Google Mobile Ads SDK, described above.
- This page. The only link inside the app opens this privacy policy in your browser.
All app traffic uses HTTPS; cleartext traffic is disabled.
6. Children
The app is intended for adults (18 and over) and is not directed at children under 13. We do not knowingly collect information from children.
7. Data retention, deletion and your rights
Because no personal data leaves your device through the app itself, there is nothing for us to retain or delete on a server. Local data is removed when you uninstall the app or clear its storage. Under the Nigeria Data Protection Act 2023 and comparable laws you have rights of access, correction, erasure, restriction and objection; for advertising data held by Google, use the Google controls linked above. For any other request, contact us at the address below.
8. Changes to this policy
If this policy changes, the updated version will be published at this address with a new effective date at the top.
9. Contact
Questions about this policy: [email protected]
Questions about an actual EaseMoni loan, application, repayment or account must go to EaseMoni through its own official app, not to us.