Capital Moni is the mobile personal credit product of KITTYWAVE NOVA TRADING GHANA LTD (the "Company", "we", "us" or "our"). We respect and protect the privacy of our users. Before you use our app or platform services, we recommend that you read this privacy policy carefully to understand what information we collect from your device, why we collect it, and how it is used.
We collect, store, share, use and protect your personal information in accordance with this Privacy Policy and with the Data Protection Act, 2012 (Act 843) of Ghana. When you agree to this policy, you authorize us to process your personal data as described below.
After registration, we process, collect, store, use and disclose information you provide, including but not limited to:
To evaluate your credit, manage risk and prevent fraud, we may request the following permissions. Each is explained below and can be controlled from your device settings at any time.
| Permission / data | Purpose | What we do not do |
|---|---|---|
| SMS | Assess your credit risk and creditworthiness. | We read only SMS related to financial transactions (e.g. banking and payment notifications); unrelated messages are filtered out and deleted. SMS data is transmitted securely to our servers via HTTPS (https://www.kittywavenova.com) and used only for credit-risk assessment. We do not share SMS data with unrelated third parties. |
| Approximate location | Reduce risks associated with your account and increase data security. | We do not request precise (fine) location. |
| Camera | Take photos of your ID and face to complete KYC verification. | We never access photos or videos stored on your device. |
| Emergency contacts | Verify your identity, assess eligibility, analyze risk and prevent fraud. | We collect only the contacts you explicitly choose or enter manually; we do not read your entire contact list. |
| Installed applications | Assess your credit risk and creditworthiness. | We obtain the names, installation times and versions of apps installed on your device. This data is transmitted securely to our servers via HTTPS (https://www.kittywavenova.com) and used only for credit-risk assessment; no other device content is uploaded. |
| Notifications | Send you important information, reminders and updates. | If declined, the app still works normally; you simply won't receive push notifications. |
| Network state & Wi-Fi state | Prevent data loss or delays from network interruptions and assess unusual behaviour. | Used only for service reliability and risk checks. |
| Advertising ID (AD_ID) | Analyze advertising data and optimize your advertising experience. | You can disable personalized ads from your device settings. |
In the course of using our services, we may collect information about you from a limited number of third parties, such as credit bureaus and identity-verification or fraud-prevention services. This information is collected only with your consent and under the privacy policies of those sources. We use it to build your profile, assess your creditworthiness and prevent loan fraud.
We use your personal information for the following purposes:
We may use anonymized and aggregated statistics relating to our user base or loan portfolio, and may disclose such anonymous information to third parties. We will never share your personal data with third parties without your permission, unless required or permitted by law.
We are committed to protecting the security of your personal information. Our safeguards include:
Whenever you use our service, in the case of an error in the app we may collect data and information (through third-party products) on your phone called log data. This log data may include your device IP address, device name, operating system version, the configuration of the app when you used the service, the time and date of your use, and other statistics. Log data is used to diagnose and fix issues and improve service stability.
Cookies are small files commonly used as anonymous unique identifiers, sent to your browser from the websites you visit and stored on your device's internal memory. This service does not use cookies explicitly. However, the app may use third-party code and libraries that use cookies to collect information and improve their services. You have the option to accept or refuse cookies and to know when a cookie is being sent to your device. If you refuse cookies, you may not be able to use some portions of the service.
We may employ third-party companies and individuals for the following reasons: to facilitate our service, to provide the service on our behalf, to perform service-related services, or to assist us in analyzing how our service is used. These third parties have access to your personal information only to perform tasks assigned to them on our behalf, and are obligated not to disclose or use it for any other purpose.
Service providers we may use include:
We retain your personal information for as long as necessary to provide you with our services, to contact you about support and your account, to detect and prevent fraud, to comply with legal obligations, to resolve disputes and to enforce our agreements. We retain information about you to provide a seamless experience.
Under Ghana's Data Protection Act, 2012 (Act 843), you have the right to:
Should we wish to use your information for marketing purposes, we will inform you before such use. You may prevent such usage by informing us within 10 days of being notified, or at any time by contacting us.
We reserve the right to modify this policy from time to time. When changes occur, we will update and publish the latest version on the platform. You are advised to read this policy from time to time to stay informed. If you continue to access and use the platform and services after changes are published, you are deemed to agree to the updated Privacy Policy.
App name: Capital Moni
Controller: KITTYWAVE NOVA TRADING GHANA LTD, Accra, Greater Accra Region, Ghana
Email: If you have any questions or suggestions about this Privacy Policy, or need our assistance, please contact us at support@kittywavenova.com.
Working time: Mondays to Fridays, 9:00 AM – 6:00 PM (GMT)
We respond to formal written complaints by contacting the person who made the complaint, and cooperate with the appropriate regulatory authorities to resolve any complaints regarding the transfer of your data that we cannot resolve with you directly.