Privacy Policy

Notice of Authorization Requirements

Greetings,

The following authorizations are necessary to evaluate your eligibility and expedite the loan approval process:

SMS Authorization Disclosure: Our primary objective is to accumulate all SMS data, which encompasses sender information, message content, and timestamps of both sent and received messages. We concentrate exclusively on financial transaction-related texts. This data is utilized to evaluate credit risk by analyzing sender identities, transaction details, and amounts. This information is used to develop your financial and risk profiles for loan proposals. Please be advised that we do not disclose any SMS information to third parties, despite the fact that we retain it on your device. Only with your explicit authorization will all SMS data be transmitted securely to the [https://marketing.tourpesa.com/ipya]. We are dedicated to the transparency of data practices and prioritize your privacy.

Communication Logs: We will upload call logs and collect data, including call timestamps, phone numbers, and caller identities, through voice calls, with your explicit authorization. This is crucial for confirming the authenticity of the device you are employing to access our services. Upon receipt of your direct assent, data concerning phone numbers will be securely transmitted to [https://marketing.tourpesa.com/ipya].

Device Specifications: In order to prevent unauthorized activities, we gather comprehensive information about your mobile device, such as its brand, model, regional settings, and identifiers such as the IMEI and serial number. Furthermore, data regarding installed applications will be collected to assess your borrowing propensity and overall debt. To ensure the security of this data, it will be transmitted to the [https://marketing.tourpesa.com/ipya].

Data Retention: External entities will not be granted access to any of the data that has been captured; it will be securely stored on the [https://marketing.tourpesa.com/ipya].

Utilization of Collected Data: The data that has been collected is utilized to provide services, verify identification, and customize loan offers in accordance with our credit scoring algorithm. Additionally, it may be implemented for credit reporting and collections.

Data Types Collected: We collect your name, age, phone number, name, battery information and contact information upon service registration. We cross-reference this information with third-party databases, which include your emergency contact. In addition, we extract pertinent data from your device for our credit scoring mechanism, including device identifiers, installed applications. Additionally, data from external sources, such as credit agencies, may be integrated. Your agreement to these data processing procedures is indicated by your registration for the service.

1. Definition

Unless otherwise specified, the meanings of all capitalized phrases used in this Privacy Policy will be the same as those assigned to them in our terms of use (where suitable).

2. The personal information that we collect

We collect specific personal information about you. We may collect personal information directly from you (e.g., when you create an account to use the app or provide us with personal information for any other purpose), from third parties, or from the app itself when you use it. We may collect data for a variety of purposes and in a variety of methods, including but not limited to those permitted by the Cybercrimes Act, 2015.

Data that is collected each time you access our website or utilize the application:

We may collect specific technical information regarding your usage of the app or website when you access it. This information may encompass the following: the internet protocol (IP) address, the webpages you have viewed in the past or are currently viewing, the duration of each visit or session, the internet device identity (ID) or media access control address, and information regarding the make, model, and operating system of the device you are using to access the app or website.

Cookies may also be employed to automatically collect certain information each time you access our website or use the app. Cookies are small application files that are stored on your computer or mobile device. To enhance the user interface and experience, we employ cookies to monitor user behavior. The majority of internet browsers and mobile devices permit the use of cookies; however, it is possible to modify the settings of either device or browser to prevent the use of specific categories of cookies or to prevent the use of certain types of cookies altogether. Additionally, you have the ability to eliminate any cookies that have been preserved in the past by utilizing your mobile device and/or browser. Nevertheless, this may affect the functionality of the application and our website.

Each time you utilize the application on your mobile device, we will collect and monitor your geolocation data in real time. In order to enhance your experience with the App, you may occasionally be requested to enable the Global Positioning System (GPS) on your mobile device.

During the course of your use of the application, you will be obligated to provide us with technical information regarding the type of mobile device you are using, its unique device identifier (such as its IMEI number, MAC address, or phone number), information regarding the mobile network, its operating system, the type of mobile browser it is using, and its time zone preference.

We collect all of your SMS data, but it is exclusively used in connection with financial transactions. To be more specific, we will collect the sender's identity, the transaction's description, and its total amount in order to estimate credit risk. This enables the disbursement of loans at an increasingly rapid pace. No private SMS information is monitored, observed, retained, or disclosed.

In order to enhance your credit profile, we compile all of the contacts in your phonebook, including their names, phone numbers, and the dates on which they were added. This also simplifies the process of inviting peers to utilize our application or selecting references for your loan application.

While the application is in the foreground, we collect your geolocation data. Despite our efforts to prevent the collection of your geolocation data while the app is operating in the background, it is possible that such data may be inadvertently obtained. You always have the option to momentarily disable geolocation tracking information on your mobile device. However, this may affect the App's functionality.

Data obtained directly from your mobile device or from you:

One of the Personal Information that you are required to provide to us when you register and create an Account with us using the App is your name, date of birth, gender, educational background, religion, photo, physical address, email address, employment status, marital status, emergence contact, phone number, SIM card details, financial and credit information (including your Mobile Money Account details and bank account details, where applicable), and an Account ID and/or password that you will use to access the App after registration.

In order for the application to function properly, you are required to provide us with any relevant information that we may reasonably require. For example, when you utilize the electronic money feature of the application, you will provide us with payment information. This information will encompass the type of payment card or mobile wallet account utilized, the account holder's name, the issuer, the account number, and the quantity of money disbursed.

Information obtained from external sources:

We may receive information about you from a variety of third parties that we work with due to the nature of the services we offer. These third parties include collection agencies, banks, mobile network providers, our agents, vendors, suppliers, contractors, partners, and anyone else with whom we collaborate or who provides services to us. In the event that such circumstances arise, we will only collect your personal information for or in relation to the objectives of our collaboration with those third parties, if applicable, or for the purposes for which those third parties are engaged, if appropriate. We have implemented reasonable measures to guarantee that those third parties will adhere to this Privacy Policy and the Cybercrimes Act, 2015, with the exception of this Act. This includes obtaining your assent prior to disclosing your personal information to us.

Information regarding third parties that you provide:

You may provide us with Personal Information about individuals who are not third parties, such as your spouse, family, acquaintances, and emergency contact. Obviously, you will require their consent to do so; for additional information, please consult the pertinent content below.

3. THE APPLICATION OF THE PERSONAL INFORMATION WE HAVE COLLECTED

We may utilize Personal Information for any of the following purposes, in addition to any other purposes permitted by applicable law:

a. Your private information could be utilized for the following purposes:

to verify, manage, or administer your account and the associated credit conditions, as well as to recognize you as a user.

to authorize or facilitate any verifications that we may deem necessary prior to registering you as a user, at our sole discretion;

to reimburse you for the Service and to distribute the Loan;

to comply with all relevant laws, rules, and regulations, including those related to anti-money laundering and "know-your-customer" obligations;

to contact you and furnish you with information regarding the application;

to notify you of any App updates or Service modifications that are available, such as alterations to the interest rate or Service Fees;

to respond to and address the inquiries and feedback you submit;

to develop, test, enhance, update, and personalize the application to meet your user preferences and requirements;

to contact you via automated or pre-recorded phone calls or, if appropriate, text (SMS) messages, in accordance with your consent, for the purposes specified in the Terms of Use and this Privacy Policy;

to collect and analyze demographic data, user behavior, trends, and the utilization of the App's services;

Additionally, to provide you with information regarding exclusive discounts and promotions, as well as direct marketing messages.

b. Furthermore, we may employ your personal information for the following purposes in a more generalized manner (provided that we always act in a reasonable manner in each of these circumstances and do not use more Personal Information than is required for the specific purpose):

to execute business operations and procedures that are pertinent;

to monitor the app's usage and to improve its performance efficiency, user experience, and functionality through management, support, and enhancement.

to provide assistance and resolve any technical or functional issues with the application;

to generate statistical data and analytics for the purposes of product development, analysis, investigation, and testing;

to investigate, identify, and halt any prohibited, fraudulent, unauthorized, or illicit activity;

to provide support for business asset transactions that involve us and/or any of our Affiliates, such as mergers, acquisitions, and asset sales; and

to enable us to conduct audit reviews, due diligence, and investigations in order to fulfill our obligations under any relevant laws, including but not limited to responding to regulatory inquiries, investigations, or directives.

4. The Exchange of Private Data We Collect

a. Your Personal Information may be disclosed to or shared with Affiliates and other parties for any of the following purposes, in addition to any other purposes approved by applicable law (although we will always act reasonably in each of these situations and disclose or share no more Personal Information than is necessary for the specific purpose):

when required or authorized by applicable law, for the purposes explicitly specified in that law (including but not limited to complying with statutory or regulatory filing and reporting requirements, or responding to regulatory inquiries, investigations, or directives);

in the event that you, us, or a third party are involved in a legal proceeding related to, or involving, the Service, for the purposes of that legal proceeding;

for the purpose of, or in connection with, negotiations for, any merger, sale of business assets, consolidation, restructuring, financing, or acquisition of all or a portion of our business by or into another company (even if the transaction is ultimately not undertaken);

the disclosure of your Personal Information to third parties, including banks, mobile network providers, collection agencies, agents, vendors, suppliers, contractors, partners, and any other entity with which we collaborate or that provides services for us, is typically motivated by the mutual benefit of our engagements or joint efforts. This collaboration may entail the presentation or offer of commodities or services by third parties, as well as the development of products, research, and marketing;

We only disclose Personal Information to Affiliates to the extent required to facilitate their assistance in managing our business, including direct marketing in the event that you have subscribed to our mailing list, or to allow them to manage data processing on our behalf. For example, our Affiliate in another country may manage and/or retain your Personal Information on behalf of our group company in your country. All of our Affiliates have committed to the proper management of Personal Information that they receive from us in accordance with this Privacy Policy and all relevant laws;

when we provide app and service utilization statistics, all data will be combined and anonymized; and

in circumstances where we genuinely believe that disclosing your personal information is necessary to comply with applicable laws, protect you from injury or financial loss, report potential illicit activity, or investigate potential violations of our terms of use;

b. We will make a good faith effort to eradicate any way in which the Personal Information can be connected to you personally before sharing or disclosing it, when it is not required for the Personal Information to be shared or disclosed to third parties.

c. If we have your consent and have provided you with adequate notice, we may disclose or distribute your Personal Information in ways that are not defined in this Privacy Policy.

5. CROSS-BORDER TRANSFER OF PERSONAL INFORMATION

Your Personal Information may be transmitted, stored, utilized, and processed in a jurisdiction other than your home country, or in the nation, state, or city in which you are located while utilizing any of our services (hereinafter, "Alternate Country"). It may also be sent to companies within Our group, Tourpesa, that are located outside of your home country or Alternate Country, as well as to locations where the servers of Our Tourpesa group, as well as service providers and partners, are located.

In the event that this occurs, we will ensure that the Personal Information in question is protected to the same extent as required by Tanzanian laws (and, in any case, in accordance with our commitments in this Privacy Policy).

You acknowledge that your Personal Information may be transferred to a country other than your country of residence, as indicated below.

6. RETAINING PERSONAL INFORMATION

We will retain your personal information for the duration of time required to fulfill the purpose for which it was obtained, or for the duration of time required or permitted by applicable law. We will either cease to retain Personal Information or eliminate the means by which the Personal Information can be associated with you personally as soon as it is reasonable to assume that the purpose for which the Personal Information was collected is no longer being served by the retention of Personal Information and that retention is no longer necessary for legal or business purposes.

7. ACCESS, UPDATES, AND CORRECTION OF PERSONAL DATA

a. You have the right to request access to and/or correction of any Personal Information that is under our possession or control by contacting us using the information provided below. In accordance with the applicable law, we reserve the right to impose an administrative fee for such requests.

b. We reserve the right to deny your requests for access to, or correction of, any or all of your personal information that is under our control, if authorized or required by any applicable law. This may be applicable in instances where the Personal Information contains references to other individuals or when we perceive requests for access or corrections as frivolous, trivial, or vexatious.

8. WHERE WE STORE YOUR PERSONAL INFORMATION

a. The Personal Information we collect from you may be processed, stored, or transferred by third-party service providers. We will make every effort to ensure that any third-party service providers we engage with provide a level of security that is consistent with our responsibilities under this Privacy Policy.

b. Employees who are employed by us abroad, as well as third-party service providers, suppliers, contractors, or affiliates, may retain or handle your personal information outside of your country, to the extent permitted by applicable law. In the event that such a situation occurs, we will ensure that the Personal Information is safeguarded to the same extent as required by the laws of your country (and, in any case, in accordance with our obligations in this Privacy Policy).

9. THE SECURITY OF YOUR PERSONAL INFORMATION

We prioritize the confidentiality of your personal information. We will implement all feasible measures to protect your personal information from unauthorized access, acquisition, use, or disclosure; unlawful processing; inadvertent loss, destruction, or damage; and other hazards. Unfortunately, the security of information that is transmitted over the Internet is not completely guaranteed. We are unable to guarantee the accuracy and integrity of any information you transmit over the Internet, nor can we guarantee that it will not be intercepted, accessed, disclosed, altered, or destroyed by unauthorized third parties for reasons beyond our control, despite our best efforts to protect your personal information. You are responsible for safeguarding the privacy of your account information, ensuring that your password is never disclosed to anyone, and ensuring that your mobile device is always secure.

10. CHANGES TO THIS PRIVACY STATEMENT

At our sole discretion, we may periodically evaluate and revise this privacy statement to ensure that it accurately reflects our current practices and any modifications to relevant laws or regulations. In the event that we elect to modify this privacy statement, we will publish a general notice on the App and/or Website to inform you of the changes. You acknowledge that it is your responsibility to regularly examine this Privacy Policy in order to remain informed about our data processing and protection practices. You also acknowledge that any modifications to this Privacy Policy will be considered as your acceptance if you continue to use the App or Website, communicate with us, or access and use the Service after they have been implemented.

11. LANGUAGE

In the event of any inconsistency, the English version of this privacy policy will prevail over any other language versions.

12. ACCEPTANCE AND AGREEEMENT

a. By selecting the "accept" icon, you acknowledge that you have read, understood, and consent to the terms of the privacy policy. In particular, you consent to the collection, use, disclosure, storage, transfer, or management of your personal data in any manner that is consistent with this privacy policy.

b. You represent and warrant that you have the consent of the individual in question and are granting us permission to collect, use, disclose, and process their Personal Information if you provide us with Personal Information about them (e.g., your spouse, family, friends, or emergency contact).

c. Furthermore, you grant us permission to contact you and any designated emergency contact to verify the accuracy of your information in the event that we are unable to contact you through alternative means or if we have not received payment for the loan.

d. If you ever change your mind about the acquisition, use, or sharing of your personal information, please send us a polite written notification using the contact information supplied below. You may also revoke your consent for us to send you specific communications and information by utilizing any "opt-out" or "unsubscribe" option included in our emails to you. It is important to be aware that the App and certain Services may be inaccessible to you after the withdrawal of consent, contingent upon the specifics and type of consent you are withdrawing. By withdrawing your assent, you may terminate your contractual relationship with us and your Account. All rights and responsibilities that have accrued during that period will remain fully reserved. Upon receipt of your notice, we will inform you of the anticipated consequences of your request to withdraw consent for the collection, use, or disclosure of your personal information. This will enable you to ascertain whether or not you wish to proceed.

13. Promotional and advertising content

a. We may send you updates on our App and/or the products and services available therein, or we may announce special privileges, promotions, or events that we, our partners, sponsors, or advertisers are offering or organizing. This may be accomplished through the use of phone calls, correspondence, email, SMS, online messaging, or instant notifications through the application.

b. You have the option to opt out of receiving these marketing messages at any time by either notifying us using the information supplied below or by selecting the "unsubscribe" link in the relevant message. Despite your decision to opt out, we may continue to send you non-promotional notifications, such as loan disbursement or repayment receipts, details about your account or the app, or other communications.

14. LINKS TO THIRD PARTIES

a. The App and Website may contain hyperlinks to websites operated by third parties. We do not assume any responsibility or obligation for these websites or the manner in which third parties collect, utilize, maintain, share, or disclose data and information, nor do we have any control over them. To ascertain the manner in which those third-party websites collect and utilize your personal information, please consult their privacy policies and terms of service.

b. The advertisements on our app and website serve as hyperlinks to the advertiser's website. Consequently, the advertiser will collect and utilize any information that is collected from you when you click on the link in accordance with their privacy policy.

15. LIABILITY LIMITATIONS

We expressly disclaim any liability for punitive, exemplary, special, incidental, consequential, or indirect damages that may arise from:

a. Your reliance on the App, your usage of it, or your inability to access or utilize it; or

b. any interaction or transaction you engage in with any other third party, regardless of whether we have been informed that there is a possibility of such damages.

We will not be held accountable in the event of a delay or performance malfunction that is caused by circumstances beyond our reasonable control.

16. METHODS OF CONTACTING US

If you have any questions regarding this privacy statement or wish to access and/or rectify your personal information, please contact us at assistance.sn@tourpesa.com using email.