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Privacy Policy

Last updated: July 16, 2024

The following Privacy Policy describes how we, PamojaLoan and its Affiliates, collect, store, use, transfer, disclose and protect your Personal Information.

Please read the following carefully to understand our views and practices regarding your Personal Information and how we will treat it. By downloading the Application, you confirm that you have read, understood and accepted the terms and conditions of this Privacy Policy set out below. You also consent to the collection, use, storage, processing and disclosure of your Personal Information in the manner set forth in this Privacy Policy. This Privacy Policy along with our Terms and Conditions and any additional terms apply to your use of the Platform and Services.

1. EXPLANATION

Unless otherwise defined, all capitalized words used in the Privacy Policy shall have the same meaning as set forth in our Terms and Conditions (as applicable).

2. PERSONAL INFORMATION WE COLLECT

We collect certain Personal Information about you. The Personal Information we collect may be provided by you directly (for example, when you open an Account to use the Services through the App, or if you provide Personal Information to us) or by third parties, or collected automatically when you use the App. We may collect information in various forms and for various purposes (including purposes permitted under Applicable Law).

Information obtained from you or from your Mobile Device directly:

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

When you use the Application, you must provide us with such necessary information as may be required by us in order for the Application to function. For example, when a payment is made through an electronic money facility within the App, you will provide us with information related to the payment, such as the type of payment card or mobile wallet account used, the name of the issuer, the account holder name, the account number, and the amount paid.

Information collected whenever you use the App or visit our Website:

Whenever you use the App or visit our Website, we may collect certain technical data about your use such as internet protocol (IP) address, information about previously viewed or subsequently viewed website pages, duration of each visit/session, identity of the internet device (ID), media access control address, as well as information about the manufacturer, model and operating system of the device you use.

We may also use cookies to track user activity to improve the user interface and experience. Most mobile devices and web browsers support the use of cookies; but you can adjust the settings to reject some types of cookies. However, doing so may affect the functionality available on our App or Website.

Information collected from third parties:

We work with a number of third parties (including Credit Reference Bureaus, Banks, Mobile Network Service Providers, collection agencies, our agents, vendors, suppliers, contractors, partners) and may receive information about you from them. In such cases, we will only collect your Personal Information for or in connection with the purposes for which the third party is involved.

3. USE OF PERSONAL INFORMATION COLLECTED BY US

We may use the Personal Information collected for any of the following purposes and for other purposes as permitted by Applicable Law:

• Identify and register you as a user and manage, control or verify your Account
• Enable or facilitate any checks prior to registering you as a user
• Issuing Credit and collecting payments
• Building credit models and doing credit scores
• Comply with Applicable Laws, regulations and laws
• Communicate with you and send you information related to the use of the Software
• Notify you of any updates to the Software or changes to the Services
• Process and respond to questions and comments
• Maintain, develop, test, improve and customize the Software
• Collect and analyze user activity and demographic data
• Send you direct marketing communications and information on special offers

4. SHARING OF PERSONAL INFORMATION WE COLLECT

We may disclose or share with Partners and third parties your Personal Information for purposes permitted by Applicable Law, including compliance with legal requirements, business transactions, and service provision by third parties.

5. TRANSFER OF PERSONAL INFORMATION

Your Personal Information may be transferred to, stored, used and processed in a jurisdiction other than your home country. We will ensure that such Personal Information continues to be subject to a level of protection consistent with that required under Tanzanian Laws.

6. HANDLING OF PERSONAL INFORMATION

Your Personal Information will be retained for as long as is necessary to fulfill the purposes for which it was collected, or for as long as such retention is required or authorized by Applicable Law.

7. ACCESS AND UPDATE/CORRECTION OF PERSONAL INFORMATION

You can ask us to access and/or correct your Personal Information that we hold and control, by contacting us at the details provided below. In accordance with Applicable Law, we reserve the right to charge an administrative fee for such requests.

8. SECURITY OF YOUR PERSONAL INFORMATION

The privacy of your Personal Information is very important to us. We will make all reasonable efforts to protect your Personal Information from access, collection, use or disclosure by unauthorized persons. However, the transmission of information over the Internet is not completely secure.

9. CHANGES TO THIS PRIVACY POLICY

We may review and modify this Privacy Policy at our discretion from time to time. If we decide to modify this Privacy Policy, we will notify you through a general notice posted on the App and/or Website.

10. HOW TO CONTACT US

If you have any questions about this Privacy Policy or would like to access and/or make corrections to your Personal Information, please contact us at support@pamojaloan.com