The subsequent document delineates our policy regarding the collection, maintenance, use, transfer, disclosure, and protection of your personal information. Please review this document thoroughly to gain insight into our policies and procedures concerning the management of your personal information. You are acknowledging that you have read, comprehended, and consent to the terms of this privacy policy by downloading the application, which are contained below. Additionally, you consent to the collection, use, storage, processing, and sharing of your personal data, as outlined in this privacy statement. This Privacy Policy, in conjunction with our Terms of Use and any other agreements, governs your use of the System and the Service.
The following topics are addressed in this privacy policy:
Definition
All capitalized terms used in our Privacy Policy have the same meanings as our language of use, unless otherwise specified (where applicable).
We Compile Personal Information
We obtain specific personal information from you. This information may have been obtained directly from you or from sources other than yourself, such as when you used the application to register for an account or provided personal information in other ways. Additionally, the program may routinely acquire it when it is utilized. Some of the methods and purposes used to collect information are permissible under the Data Protection Act of 2019, but they are not restricted by it.
Information obtained directly from you or your mobile device:
When utilizing the Application to register and establish your Account, you are required to provide us with a variety of Personal Information, including your name, ID number, date of birth, gender, educational background, religion, photo, physical address, email address, work details, marital status, emergency contacts, phone number, SIM card details, financial and credit information (including Mobile Money, if applicable), and an Account ID and/or password.
In order for the application to function effectively, it is necessary to provide pertinent information. For instance, when employing the electronic money function of the Application to make payments, you are required to submit payment-related information, including the type of payment card, mobile wallet account details, issuer name, account holder name, account number, and payment amount.
Information that is acquired through the use of the application or website visits:
We may collect specific technical data regarding your actions when you utilize the application or visit our website. Some examples of this information include your IP address, the websites you have visited in the past or present, the duration of your sessions, your device ID or media access control address, and specifications about the brand, model, and operating system of your device.
Additionally, cookies have the potential to routinely gather certain data when you access our website or utilize the application. Cookies are small files that are retained on your computer or mobile device to monitor user activity and improve the user interface. The app or website may not function as intended if the settings are altered to refuse specific categories of cookies or to remove stored cookies at any time, despite the fact that most devices and browsers accept cookies.
Real-time geolocation data is monitored and collected when the application is utilized on a mobile device. You may observe enhanced app performance if you enable GPS on your mobile device. Inadvertent geolocation data collection may occur when the program is operating in the background, despite our diligent efforts to prevent it. While it is possible to temporarily disable geolocation tracking on your smartphone, it is important to consider that this may impede the functionality of certain applications.
You (the User) must provide technical information and unique identifiers (e.g., IMEI number, MAC address, phone number) of your mobile device, as well as mobile network information, operating system, mobile browser type, and time zone preference. Additionally, you must provide a list of emergency contacts, logs of calls and text messages, and images, videos, or other digital content in order to use the Application.
Data Obtained from External Sources:
We may be granted access to your personal data by third parties (such as banks, mobile network providers, collection agencies, agents, suppliers, contractors, and partners) in order to fulfill our service obligations. We collect this information solely to ensure that our Privacy Policy and the Data Protection Act, 2019 are adhered to, as well as to fulfill our obligations to these parties.
Information regarding external parties that you furnish:
As outlined in the "Acknowledgment and Consent" section below, you are permitted to furnish us with Personal Information regarding third parties (e.g., spouses, family members, acquaintances, and emergency contacts); however, it is necessary to obtain their assent.
Utilizing the Personal Information We Gather
The Personal Information we collect may be used for the following purposes, in addition to any other permissible uses under the Data Protection Act, 2019 and similar laws:
- establishing your account, administering the conditions of your credit, and recognizing you.
- Verifying the required items prior to registering an account.
- Overseeing loan disbursements and service payments.
- Development and scoring of credit models.
- Adherence to legal requirements, such as anti-money laundering and know-your-customer regulations.
- Contacting you to provide usage guidelines for the application.
- Notifying you of updates to the application or modifications to the services (e.g., transaction costs or interest rates).
- Addressing and responding to inquiries and comments.
- The application's development, evaluation, refinement, and customization.
- Communicating with you via SMS or making genuine phone conversations.
- The monitoring of user behavior, demographic data, trends, and service usage.
l.Directly communicating with clients regarding promotions, discounts, or offers.
Dissemination of the Personal Information We Gather
We may disclose your personal data to Affiliates and other entities for the following purposes, in addition to the permitted uses specified by the Data Protection Act, 2019 and related laws:
Compliance with legal obligations, such as conducting investigations and responding to regulatory inquiries.
- Legal proceedings that pertain to our company or you.
b.During the negotiation of corporate restructuring, asset sales, and mergers.
- Forming partnerships with external organizations that offer services such as product development, research, and marketing.
- Providing anonymized, combined statistics.
e.When disclosure is required to prevent injury, report unlawful activity, investigate any violations of the conditions of use, or comply with relevant applicable law.
- We make a sincere effort to anonymize Personal Information that is not required for the purpose of linking it to you.
Trade in Personal Information on an International Scale
When you utilize our services, your personal information may be conveyed, retained, used, and processed outside of your current location or country of origin. In compliance with our Privacy Policy, we guarantee that these transfers are subject to the same level of protection as mandated by the legal framework of your country.
Protecting Personal Information
We only retain personal data for the duration specified by the Data Protection Act, 2019 and other pertinent laws, or to fulfill the purposes for which it was collected. When your information is no longer necessary to fulfill legal or business obligations or for the original purpose, we cease to retain it, thereby erasing any means of personally identifying you.
Acquiring Personal Information
By contacting us using the information provided below, you may request that we rectify your personal information that is under our control. We reserve the right to impose an administrative fee in accordance with the Kenya Information and Communications legislation, but not exclusively in accordance with this legislation. Refusal may occur for trivial reasons or when the law permits it.
The location in which we maintain your personal information
Third-party service providers who provide a level of security that is comparable to that of this privacy statement may handle, transfer, or retain the personal data that has been collected. This may entail the processing or storage of data outside of your country of origin under the supervision of our staff or external vendors.
Protecting Your Personal Data
It is imperative to protect your personal information. In order to prevent loss or harm and to thwart unauthorized access, gathering, use, disclosure, and processing, we implement the requisite safety measures. Nevertheless, the security of internet transmission cannot be guaranteed. Your obligation is to safeguard your account and mobile device and maintain confidentiality.
Modifications to This Privacy Declaration
This privacy statement is subject to modification at any time in order to comply with evolving legal or regulatory requirements or to reflect modifications. General alerts will be broadcast on the application/website in the event of any updates. The updates are accepted if you continue to use the site.
Language
In the event of a discrepancy, the English version of this privacy policy will prevail over any other language versions.
Consent and Acceptance
You acknowledge that your personal data may be collected, used, disclosed, stored, conveyed, and processed in accordance with the provisions of this privacy statement. It is your responsibility to obtain consent for the use of personal data belonging to third parties in the manner outlined below.
Promotional and Marketing Products
We could distribute marketing communications across a variety of platforms. You may utilize the features that are available to you or reach out to us to withdraw your consent. Loan receipts and other correspondence will persist.
External Website Links
Links to other websites may be incorporated into our application and website. We are not responsible for their data practices and do not have control over them. Check their policies on the collection and utilization of information.
Accountability's Restrictions
We do not assume any responsibility for any indirect, incidental, consequential, extraordinary, exemplary, or punitive damages that may arise from the use of the App or communication with third parties. We are not responsible for any delays or failures that are the result of reasons beyond our reasonable control.
