Mobile loan apps like Okash have become a go-to option for people who need quick cash. However, a growing concern for many users is whether these apps invade their privacy by contacting people in their phone’s contact list if they default on payments. So, does Okash call your contacts? Let’s break it down.
What Permissions Does Okash Request?
When you install and use the Okash app, it will ask for several permissions that may raise privacy concerns. Some of the most notable permissions include:
- Camera: Used for taking photos or videos, likely for identity verification during the loan application process.
- Contacts: While Okash officially states they only use emergency contacts for verification and debt recovery, granting access to your contact list is part of the app permissions.
- Location: Allows Okash to know your location, which can be used to assess your creditworthiness or security reasons.
- SMS: This permission is often used for sending loan updates, reminders, or even automated debt collection messages.
- Phone: The app may access certain phone functions, like reading call logs or phone numbers, potentially including access to contacts stored in your phone.
So Does Okash Call Contacts?
According to Okash’s official communication, they claim:
- They do not contact non-emergency contacts for debt collection.
- Your data is not shared with third parties without your consent.
- Only emergency contacts may be contacted if you fail to repay or cannot be reached.
However, some borrowers have reported receiving complaints from friends and family who were contacted by individuals claiming to represent Okash. This raises concerns about whether all representatives adhere to the app’s official policies.
How to Protect Yourself
To avoid any privacy breaches or unwanted contact with your friends and family, here are some steps you can take:
- Review Permissions Carefully: Always read the permissions the app is requesting and think about whether you’re comfortable granting access.
- Limit Sharing Contact Information: If you’re unsure, avoid sharing unnecessary contact details or use a temporary number for emergency contacts.
- Communicate Early: If you’re having trouble repaying, communicate with Okash early to negotiate a repayment plan before things escalate.
- Report Unethical Practices: If Okash contacts people in your contact list without consent, report the incident to the Nigerian Communications Commission (NCC) or the Federal Competition and Consumer Protection Commission (FCCPC).
FAQs About Okash and Contacting Your Contacts
1. Can I Deny Okash Access to My Contacts?
While it’s possible to deny some permissions, this could affect your ability to get a loan from Okash. Most loan apps require access to certain phone data as part of their risk assessment.
2. What Can I Do If Okash Contacts My Non-Emergency Contacts?
If you believe Okash violated your privacy by contacting people not listed as your emergency contact, you can report the incident to the appropriate regulatory bodies or seek legal help.
3. Do Other Loan Apps Contact Your Contacts?
Yes, some loan apps have similar practices. Always review the privacy policies and permissions of any loan app before using them.
4. Are There Alternatives to Loan Apps Like Okash?
Yes, alternatives include traditional banks, microfinance institutions, or peer-to-peer lending platforms, which often have stricter ethical standards.
Final Thoughts
While loan apps like Okash offer quick solutions to financial challenges, it’s important to weigh the privacy concerns that come with using them. Ensure you understand the permissions you’re granting and stay informed about your rights as a borrower. Always borrow responsibly and reach out for help if you’re struggling to repay a loan to avoid escalation.
By taking these steps, you can protect yourself from unnecessary stress and maintain control over your privacy.