Many loan apps in Nigeria request access to your contact list during the installation and registration process.
While this might seem harmless, it raises privacy concerns.
Predatory loan apps may abuse this access to harass your contacts when you’re unable to repay loans on time.
If you’re concerned about protecting the privacy of your friends, family, and colleagues, here’s a step-by-step guide on how to revoke this access.
Blocking Access on Android Devices
- App Settings: Navigate to your phone’s main Settings menu and select “Apps & notifications” (or a similar option depending on your device).
- Locate the Loan App: Scroll through the list of installed apps and find the loan app you want to restrict.
- Permissions: Tap on the app’s name and then select “Permissions.”
- Revoke Contacts Permission: Find the “Contacts” permission from the list and toggle it off.
Blocking Access on iOS Devices
- Settings: Go to the Settings app on your iPhone or iPad.
- Privacy: Tap on the “Privacy” option.
- Contacts: Select the “Contacts” option.
- Revoke Contacts Permission: Locate the loan app from the list and toggle off its access to your contacts.
Important Things to Remember
App Updates
Some loan apps may request contact permissions again after an update. Always review app permissions after each update and revoke any unnecessary access.
Preemptive Blocking
If you’re installing a new loan app, consider denying access to your contacts during the initial setup.
Alternative Options
When looking for loans, opt for reputable platforms that promise not to access your contacts without your explicit consent.
Additional Tips for Protecting Your Privacy from Loan Apps
Beware of Unnecessary Permissions
Critically review any permissions requested by loan apps. Don’t grant access to location, gallery, or other data unrelated to your loan application.
Choose Reputable Lenders
Research and stick to well-known loan apps with positive user reviews and transparent privacy policies.
Read Reviews
Look for complaints or reviews related to privacy violations before installing a loan app.
Protect Your Data
Sometimes, even after revoking permissions within the app settings, some aggressive loan apps might still try to find ways to access your data.
If you have had a negative experience with a loan app abusing your contact information, the next steps are:
- Report to the FCCPC: File a complaint with the Federal Competition and Consumer Protection Commission (FCCPC) in Nigeria.
- Warn Your Contacts: Alert your friends and family that the loan app might contact them in an attempt to pressure you to repay the loan.
Final Thoughts
By taking these steps to control app permissions, you can minimize the risk of loan apps invading your privacy. Remember, it’s your right to decide what data you share. Choose loan providers carefully and stay vigilant about protecting your personal information.
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