All Names of Loan Apps that Call Your Contacts in Nigeria & How To Remove Contact List From App: As more people turn to digital loan apps for quick access to funds in Nigeria, you may have noticed an alarming trend. Many of these apps require access to your phone contacts as a condition for approving your loan. While accessing contacts may seem like an innocuous request, it is a violation of privacy and puts you and your contacts at risk of harassment. This article lists the names of popular loan apps known to call contacts for repayment and provides steps to revoke contact access to better safeguard your information. By being vigilant and taking proactive steps to protect your data, you can avoid unwanted calls and messages to friends and family and use loan apps more securely.
Names of Loan Apps That Call Your Contact and Harass Them
- Ease Cash
- Speedy Choice
- 9ja Cash
- Rapid Naira
How These Apps Get Permission to Access Your Contacts
When you download a loan app, it will typically request access to your contacts in order to verify your identity and evaluate your creditworthiness. However, some unscrupulous apps may access your contacts for other reasons. How to Remove Contact List From App
To safeguard your privacy and the personal information of your contacts, it is advisable to remove contact list access from any loan apps on your device. The specific steps to revoke contact access will depend on your phone’s operating system:
- Open the Settings app on your Android phone.
- Tap ‘Apps & notifications’ or ‘Application manager’.
- Tap the loan app you want to remove contact access from.
- Tap ‘Permissions’.
- Turn off the ‘Contacts’ permission.
Open the Settings app on your iPhone.
- Scroll down and tap the loan app.
- Tap ‘Contacts’.
- Turn off ‘Contacts’ to remove access.
Revoking contact access for any app on your phone is a prudent step to safeguard sensitive personal data and maintain privacy. Regularly reviewing the permissions granted to apps and making appropriate changes can help users take control of their digital security.
Why Do Loan Apps Request Access to Your Contacts?
To access your contacts, loan apps require permission to view your phone’s address book. However, there are a few reasons why loan apps request this access:
Building Their Database
Loan apps gather contact data to build a database of potential customers. By accessing your contacts, the app can identify people who may need loan services and market to them directly. Some apps may sell contact information to third parties as well.
Verifying Your Identity
Some loan apps claim that accessing your contacts helps verify your identity and determine your eligibility for a loan. However, this is not always the case and many reputable lenders do not require access to your contacts. It is best to avoid providing access to your contacts whenever possible.
Targeting Your Network
Unfortunately, unscrupulous lenders may access your contacts to aggressively market and upsell to people in your network. They prey on the trust between you and your contacts to deceive others into using their services. This predatory behavior is unethical and should be avoided.
In summary, loan apps frequently request access to your contacts for marketing, data collection and identity verification purposes. However, providing this access also enables harmful behavior. It is best to deny contact access requests whenever possible or uninstall any app that requires it. Protecting your personal information and your network is well worth the inconvenience.
Why Do Loan Apps Call Your Contacts?
Loan applications access your phone’s contact list to verify your identity and determine your eligibility for a loan. By granting an app access to your contacts, you are allowing the company to view names and phone numbers of people you know.
Why Do Loan Apps Need Access to Contacts?
Loan apps request access to your phone’s contact list for a few reasons:
- To verify your identity. By cross-referencing your contacts with information from your social media profiles and other public data sources, the app can confirm details like your name, location, and connections to other people. This helps prevent fraud and ensures the applicant is a real person.
- To assess your creditworthiness. The app may analyze your social connections and contacts to make assumptions about your income, profession, education level, and other factors that could influence your ability to repay a loan. While controversial, some companies claim this provides a more well-rounded view of an applicant with little or no credit history.
- To market to your contacts. Some unscrupulous apps access your contacts solely to reach out to your friends and family with promotional messages, often without properly disclosing how they obtained the contact information. This practice is considered predatory and should be avoided.
In summary, most mainstream loan apps request access to your phone contacts to verify your identity and better evaluate your loan application. However, you should be wary of any app that cannot provide a clear explanation for why it needs access to your personal information or that uses your data for undisclosed marketing purposes. If needed, you can remove an app’s access to your contacts through the settings on your phone.
Step-by-Step Guide to Removing Contact List Access From Loan Apps.
To remove access to your phone’s contact list from loan apps in Nigeria, follow these steps:
Uninstall the Loan App
The first step is to uninstall the loan app from your Android or iOS device. This will remove the app and revoke its access to your information.
Review App Permissions
Next, review the app permissions on your phone to ensure the uninstalled loan app no longer has access. On Android, go to Settings – Apps & notifications – See all apps. Find the loan app and tap it. Tap Permissions and turn off any permissions, especially Contacts and Storage.
On iOS, go to Settings – Privacy – Contacts. Find the loan app and turn off its access to Contacts. Do the same for Calendars, Reminders, and Photos.
Reset Advertising ID
It is also a good idea to reset your advertising ID, which some loan apps use to track user behavior. On Android, go to Settings – Google – Ads – Reset advertising ID. On iOS, go to Settings – Privacy – Advertising – Reset Advertising Identifier.
Be Cautious of Reinstalling
Only reinstall loan apps if absolutely necessary and be extremely cautious, as some apps may still have access to your information even after uninstalling and resetting permissions. It is best to find alternative sources for loans that respect users’ privacy.
By following these recommended procedures, you can safeguard your personal contact information and ensure loan apps in Nigeria no longer have access. Be vigilant and continue monitoring app permissions regularly.
How to Stop Loan Apps from Sending Messages to Your Contacts
To prevent loan apps from accessing and messaging your contacts, you must revoke their access to your contact list. Follow these steps:
Revoke Contact Access
Go to your phone’s app settings and find the loan app in question. Tap to open its settings. Look for an option like “Permissions,” “App permissions,” or “Contact access.” Tap to open it.
Find the permission that allows the app to access your contacts. It will say something like “Contacts” or “Read/write contact data.” Tap to turn that permission off.
Doing so will immediately remove the app’s ability to access, read or send messages to your phone contacts.
You now have the knowledge and tools to protect your privacy and personal information when using loan apps. Be vigilant in reviewing app permissions before granting access and take proactive steps to revoke permissions for any apps you no longer use. Safeguarding your contact list and staying in control of who has access to your information is one of the most important things you can do in today’s digital world. While loan apps can provide convenience, you must go in with eyes open to their data collection practices. Your personal relationships and privacy are too valuable to sacrifice for any service. Stay empowered by using this guide to keep predatory apps out of your phone and away from your contacts. Knowledge is power – and now you have it.
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