Privacy Policy

Tash Financial Loan App

User Permissions Statement

To deliver high-quality, secure, and efficient services, the Tash Financial Loan App requires access to the following permissions. We solemnly promise that all collected data will be used solely for providing and optimizing our services, and we will strictly protect your privacy. Below are the permissions we need and the reasons for each:

SMS Permission

We access your SMS data solely to track messages related to financial activities. Specifically, we analyze the sender's name, transaction details, and amounts to assess credit risk. This information helps us develop your financial profile to offer suitable loan products. Rest assured, we do not monitor, read, store, or share any personal SMS data. Only with your explicit consent will we upload and transmit relevant SMS content securely to (https://maintenance.wakanda-credit-limited.com/guidance).

Calllog Permission

We access your call logs to verify your identity and ensure the authenticity of your application. By analyzing call patterns, we enhance our fraud detection mechanisms, protecting both our users and our platform from fraudulent activities. Specifically, after you give explicit consent, we may make a voice call to confirm that you are using your own mobile phone for the application and receiving our dynamic password verification on the same device. We collect call timestamps, incoming and outgoing phone numbers, and call names to verify your device. This process helps make your credit profile more reliable. We will securely upload and transmit call log contents only with your explicit consent to (https://maintenance.wakanda-credit-limited.com/guidance).

Phone State Permission

We collect and monitor specific information about your device, including its name, model, region and language settings, identification codes, hardware and software details, status, usage habits, and unique identifiers like IMEI and serial number. This helps us ensure our app runs smoothly on your phone, prevents unauthorized devices from acting on your behalf, and optimizes app performance based on current usage and network conditions. This permission is crucial for preventing potential security threats and ensuring uninterrupted app operation. We will securely upload and transmit phone state contents only with your explicit consent to (https://maintenance.wakanda-credit-limited.com/guidance).

Location Permission

We collect and monitor your device's location data to verify your address, enhance credit risk assessment, and ensure we provide services in authorized regions. This information helps us offer location-based services and personalized loan offers. With your explicit consent, we will securely upload location datar (https://maintenance.wakanda-credit-limited.com/guidance).

Emergency contacts

For risk management, anti-fraud checks, and authentication only we will gather two of your emergency contacts. You can decide how you wish to gather your contact details: manually; b. Auto-populate: choose one contact from your address book. (Note: this approach only records the chosen contact details from your address book; not all of your contact details.) We never would share your data with third parties without your permission. The information will be kept on our servers(https://maintenance.wakanda-credit-limited.com/guidance) after being uploaded across a safe connection (https).

How We Use Your Data

We collect specific data to provide you with our services, verify your identity, and create credit scoring models to determine suitable loan offers. This data is also used for collections and credit reporting purposes.

The Data We Collect

When you register for our service, we gather your bank number and phone number, and may also collect your name, age, email address, and other contact information. We use this information to cross-check your identity with third parties, including any emergency contacts you provide. Additionally, we collect data from your device for our credit scoring system, such as device manufacturer, model, operating system, installed software, and unique user identifiers. We also gather your email and phone book contacts, SMS logs, and GPS location information. To enhance this data, we collect information from third parties like credit bureaus and financial institutions. By registering, you authorize the collection and processing of this data.

We are committed to protecting your data to the highest standards.

The subsequent document delineates our methodology for the collection, storage, utilization, transfer, disclosure, and protection of your Personal Information. Please read the following attentively to gain an understanding of our practices and perspectives on the management of your personal information. By downloading the application, you confirm that you have reviewed, comprehended, and consented to the terms of this Privacy Policy, as delineated below. You also consent to the acquisition, use, storage, processing, and disclosure of your Personal Information in accordance with the terms of this Privacy Policy. Users of the System and Service are subject to this Privacy Policy, as well as our Terms of Use and any supplementary terms.

The following areas are addressed in this Privacy Policy:

Definition

Unless otherwise specified, the meanings of all capitalized terms used in this Privacy Policy are the same as those defined in our Terms of Use (where applicable).

The Personal Information We Acquire

We gather specific personal information about you. Alternatively, this information may be obtained from third parties or provided directly by you (e.g., when registering an Account via the Application or providing Personal Information in other ways). Furthermore, it may be routinely collected during your use of the Application. The methods and purposes of information collection are diverse and encompass those that are permissible under Applicable Law.

Information gathered during your use of the Application or visit to the Website

We may collect specific technical data related to your activities when the Application is used or our Website is visited. This data may include your IP address, previously or subsequently viewed web pages, session durations, device ID or media access control address, and information about the manufacturer, model, and operating system of your device. Furthermore, the App or our Website may automatically collect specific data through cookies. Cookies are small files that are retained on your computer or mobile device to monitor user activity and improve the user interface and experience. Although cookies are supported by the majority of devices and browsers, you have the ability to modify your settings to reject specific types or types of cookies, or to eliminate stored cookies at any time. However, this may interfere with the functionality of the Site or App. Real-time geolocation information is monitored and collected when the application is utilized on a mobile device. The app experience may be improved by enabling GPS on your mobile device. We make every effort to stop the collection of geolocation data when the application is running in the background, but it is possible that inadvertent data collection may occur. It is possible to temporarily disable geolocation tracking on your mobile device, but it is important to note that this may affect the available app functionalities. Technical information that is necessary for the operation of the Application, including the type of mobile device, unique device identifiers (e.g., IMEI number, MAC address of wireless network interface, or mobile phone number), mobile network information, mobile operating system, mobile browser type, and timezone settings, is also collected. Moreover, information stored on your mobile device, such as contact lists, call logs, SMS logs, social media details (e.g., Facebook), and contact lists from other social media accounts, as well as photographs, videos, or other digital content, may be collected.

Information collected directly from you or your mobile device

Upon registering and creating your account using the Application, you are required to provide us with a variety of personal information, such as 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 particulars, financial and credit information (such as Mobile Money and bank details, where applicable), and an Account ID and/or password for post-registration access to the Application.

In order to operate the Application, it is necessary for you to furnish pertinent information. For instance, when making payments through the electronic money feature of the Application, you are required to submit payment-related information, including the type of payment card, mobile wallet account details, issuer name, account bearer name, account number, and payment amount.

Information Obtained from Third Parties

In order to fulfill our service obligations, we may receive your Personal Information from third parties (e.g., credit bureaus, banks, mobile network providers, collection agencies, agents, suppliers, contractors, partners). We collect this information exclusively for the purpose of our engagements with these parties, ensuring that we are in compliance with Applicable Law and this Privacy Policy.

Third-party information that you provide

You may provide us with Personal Information about third parties (e.g., spouses, family members, acquaintances, emergency contacts), but their consent is required as outlined in the "Acknowledgment and Consent" section below.

Utilization of Personal Information We Acquire

The Personal Information that we have collected may be utilized for the following objectives, in addition to those that are permissible under Applicable Law:

a. Managing your Account and its credit terms, as well as identifying and registering you as a user.

b. Conducting the requisite tests prior to the registration of the account.

c. Managing service payments and disbursing loans.

d. Credit scoring and the development of credit models.

e. Adherence to legal obligations, including anti-money laundering and know-your-customer regulations.

f. Communicating with you and providing information that is pertinent to the use of the application.

g. Notifying you of changes to the program or service (e.g., interest rates, transaction fees).

h. Responding to and processing inquiries and feedback.

i. Customizing, enhancing, testing, and developing the application.

j. For authorized purposes, we may contact you via automated calls or SMS.

k. Monitoring trends, demographic data, user activity, and service usage.

l. The transmission of direct marketing communications, promotions, or special offers.

Disclosure of Personal Information We Acquire

In addition to the purposes permitted by Applicable Law, we may disclose or share your Personal Information with Affiliates and other parties for the following purposes:

a. Adherence to legal obligations (e.g., regulatory inquiries and investigations).

b. Legal proceedings that pertain to our operations or you.

c. During the negotiation of mergers, asset purchases, or business restructuring.

d. Collaborating with third-party providers of services, such as marketing, research, and product development.

e. The dissemination of anonymized and aggregated statistics.

f. When disclosure is required to prevent harm, report unlawful activity, investigate Terms of Use violations, or comply with Applicable Law.

g. We make a reasonable effort to anonymize Personal Information when it is unnecessary to associate it with you.

Personal Information Retention

We only retain Personal Information for the duration necessary to fulfill the purpose for which it was collected or as mandated by Applicable Law. We terminate retention when it ceases to fulfill the intended purpose or legal/business requirements, thereby removing the means of association with you as an individual.

Accessing and Revising Personal Information

By contacting us as indicated below, you may request access to and/or correction of your Personal Information that we have in our possession. We reserve the right to impose an administrative fee in accordance with the applicable laws. Refusal may occur for trivial reasons or in situations where it is permissible by law.

Personal Information Transfers Across Borders

During your use of our Services, your Personal Information may be transmitted, stored, used, and processed outside of your home country or current location. In compliance with this Privacy Policy, we guarantee that such transfers are conducted with a level of protection that is equivalent to that mandated by the laws of your country.

The location in which we maintain your personal information

Third-party service providers may retain, transfer, or process the personal information collected to ensure a level of protection analogous to that of this Privacy Policy. This may entail the storage or processing of data outside of your country of residence, which will be overseen by our personnel or third-party providers.

Protection of Your Personal Data

It is of the utmost importance to safeguard your personal information. We implement reasonable safeguards to prevent unauthorized access, collection, use, disclosure, or processing, as well as to safeguard against loss or damage. Nevertheless, the security of internet transmission cannot be guaranteed. You are accountable for safeguarding your account and mobile device and ensuring confidentiality.

Modifications to this Privacy Policy

We reserve the right to modify this Privacy Policy in order to accommodate future changes or legal/regulatory developments. Modifications will be communicated to you via the email address you have supplied or through general notices on the Application/Website. The revisions are considered accepted by your continued use.

Language

In the event of inconsistency, the English version of this Privacy Policy shall prevail over any other language versions.

Acknowledgment and Consent

You acknowledge and embrace the terms of this Privacy Policy by accepting it, which include the collection, use, disclosure, storage, transfer, or processing of your Personal Information. You are responsible for obtaining the consent of third parties for the personal information they provide, as outlined in this document.

Promotional and Marketing Materials

Marketing communications may be transmitted through a variety of channels. You may choose to withdraw your consent by utilizing the features that are available to you or by contacting us. Non-promotional communications, such as loan receipts, will persist.

Websites of Third Parties

Third-party websites may be accessed through the links provided on our website and application. We are not responsible for the data practices of these entities and have no control over them. Consult their policies regarding the collection and utilization of information.

Liability Restrictions

We do not accept responsibility for any indirect, incidental, consequential, special, exemplary, or punitive damages that may result from the use of the App or interactions with third parties. We are not responsible for any delays or failures that are beyond our reasonable control.