The document that follows outlines our policy for collecting, maintaining, using, transferring, disclosing, and safeguarding your personal information. Please read this carefully to learn about our policies and practices regarding the handling of your personal information. By downloading the apps, you acknowledge that you have read, understood, and agree to the terms of this privacy policy, which are listed below. Furthermore, as stated in this privacy statement, you consent to the collection, use, storage, processing, and sharing of your personal data. Together with our Terms of Use and any other agreements, this Privacy Policy regulates how you use the System and the Service.

This privacy policy covers the following subjects:

Definition

Unless otherwise noted, all capitalized terms used in our Privacy Policy have the same meanings as our language of use (where applicable).

Personal Information We Compile

We collect specific personal information from you. This information can have come from you directly or from other sources (like when you used the application to register for an account or provide personal information in other ways). Additionally, it could be collected automatically when you use the program. Information is gathered using a range of methods and purposes; some of these are permitted under the Data Protection Act of 2019 but are not restricted by it.

Details obtained straight from you or your mobile device:

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 bank account details and Mobile Money, if applicable), and an Account ID and/or password are just a few of the Personal Information you must provide us when using the Application to register and create your Account.

For the application to work properly, you must input relevant information. When making payments using the Application's electronic money function, for example, you provide payment-related information such as the type of payment card, mobile wallet account details, issuer name, account holder name, account number, and payment amount.

Information obtained when you use the app or visit the website:

When you use the application or visit our website, we might collect certain technical data about your actions. 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 specifics about the brand, model, and operating system of your device are some examples of this information.

Furthermore, cookies could be used to automatically collect some data when you use the app or visit our website. Cookies are little files that are stored on your mobile device or computer to track user activity and enhance the user interface. You can modify the settings to refuse specific types of cookies or to remove stored cookies at any time, though doing so may prevent the app or website from functioning as intended, even though most devices and browsers accept cookies.

When you use the application on your mobile device, real-time geolocation data is tracked and collected. If you enable GPS on your mobile device, you might notice better app performance. Although we make every effort to prevent it, geolocation data may inadvertently be collected when the program is running in the background. You can temporarily disable geolocation tracking on your smartphone, but keep in mind that doing so might interfere with some apps' ability to work.

Technical information needed to use the application includes your mobile device type, unique device identifiers (like your IMEI number, MAC address of the wireless network interface, or mobile phone number), mobile network information, mobile operating system, mobile browser type, and timezone settings. Additionally, information from social networks (like Facebook), contact lists from other social media accounts, photos, movies, and other digital content stored on your mobile device may also be gathered.

Data Acquired from External Sources:

In order to fulfill our service obligations, we collaborate with third parties (banks, mobile network providers, collection agencies, agents, suppliers, contractors, and partners), and as a result, they might provide us with access to your personal data. We only collect this information to ensure that our Privacy Policy and requirements like the Data Protection Act, 2019 are followed, as well as to fulfill our duties to these parties.

Details regarding outside parties that you provide to us:

You may provide us with Personal Information about third parties (spouses, family members, friends, and emergency contacts, for example), as detailed in the "Acknowledgment and Consent" section below, but we will require their consent to do so.

Making Use of the Personal Information We Collect

In addition to any other uses permitted by the Data Protection Act, 2019 and related laws, the following uses of the Personal Information we collect are possible:

• recognizing you, setting up your account, and managing the conditions of your credit.
• Checking the necessary boxes for verifications prior to account registration.
• Managing loan disbursements and service payments.
• Credit model development and scoring.
• Compliance with legal mandates, including know-your-customer and anti-money laundering regulations.
• Contacting you and offering usage guidelines for the application.
• Notifying you about updates to the app or modifications to the services (such interest rates or transaction costs).
• Taking up and responding to queries and remarks.
• Developing, evaluating, refining, and customizing the application.
• Making real phone calls or messaging you via SMS.
• Monitoring user behavior, demographic data, trends, and service usage.
• Reaching out to clients directly with offers, bargains, or promotions.

Sharing of the Personal Information We Collect

Apart from the permitted uses stipulated by the Data Protection Act, 2019 and related laws, we might disclose your personal data to Affiliates and other entities for the subsequent purposes:

• Compliance with legal requirements (responding to inquiries from regulatory bodies and carrying out investigations, for example).
• Legal proceedings concerning you or our company.
• When negotiating mergers, asset sales, and corporate restructuring.
• Collaborating with outside groups that provide services like marketing, research, and product development.
• Making combined, anonymized statistics available.
• When disclosure is necessary to investigate any violations of the conditions of use, prevent injury, report illegal activity, or comply with relevant applicable law.
• We attempt in good faith to anonymize Personal Information where it is not necessary to link it to you.

International Trade in Personal Information

Your personal information may be transferred, stored, used, and processed outside of your current location or country of origin when you use our services. We ensure that these transfers maintain the same level of protection as required by your country's legal framework in accordance with our Privacy Policy.

Safeguarding Individual Information

For the duration stipulated by the Data Protection Act, 2019 and other relevant laws, or to fulfill the reasons for which it was collected, we only retain personal data. We stop keeping your information, eliminating any means of personally identifying you, when it is no longer required to fulfill legal or business responsibilities or for the original purpose.

Getting Personal Information

You can request to see your personal information that is under our control corrected by getting in touch with us using the details provided below. We reserve the right to charge an administrative fee as per the Kenya Information and Communications legislation, but not just in accordance with this legislation. Refusal might occur when the law allows it or for trivial reasons.

Where We Store Your Personal Information

The collected personal data may be handled, transferred, or stored by third-party service providers who offer a level of security comparable to this privacy statement. This may mean processing or storing outside of your home country under our staff's or outside vendors' oversight.

Safeguarding Your Personal Information

Safeguarding your personal data is essential. We take the necessary safety measures to prevent loss or damage and to thwart unauthorized access, gathering, use, disclosure, and processing. However, security of internet transmission cannot be guaranteed. You are responsible for maintaining secrecy and safeguarding your mobile device and account.

Changes to This Privacy Declaration

This privacy statement is subject to change at any moment to reflect modifications or to meet evolving legal or regulatory requirements. Any updates will be posted on the application/website as general alerts. If you continue to use the site, you accept the updates.

Words

In the event of a discrepancy, the English version of this privacy policy will take precedent over other language versions.

Acceptance and Consent

You accept that your personal data may be collected, used, disclosed, stored, transferred, and processed in accordance with the terms of this privacy statement. It is your responsibility to get consent as outlined below for the use of personal data belonging to third parties.

Marketing and Promotional Products

We could deliver marketing communications across a range of platforms. To opt out, you can use the provided features or contact us. Loan receipts and other correspondence will continue to be sent.

Links to Outside Websites

Our app and website can include links to other websites. We don't control them and don't accept accountability for their data practices. See their policies regarding the collection and use of information.

Limitations on Accountability

We exclude all duty for any indirect, incidental, consequential, extraordinary, exemplary, or punitive damages when using the App or communicating with third parties. We are not liable for delays or failures caused by events beyond of our reasonable control.