PRIVACY POLICY
The following Privacy Policy describes how AMKA TECHNOLOGY SARL 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 App, you confirm that you have read, understood and accept the terms of this Privacy Policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your Personal Information in the manner set out in this Privacy Policy. This Privacy Policy together with our Terms of Use and any additional terms applies to your use of the System and the Service.
This Privacy Policy includes the following matters : 1. Definition 2. Personal Information which we collect 3. The use of Personal Information which we collect 4. Sharing of Personal Information which we collect 5. Cross-border transfers of Personal Information 6. Retention of Personal Information 7. Access and correction of Personal Information 8. Where we store your Personal Information 9. Security of your Personal Information 10. Changes to this Privacy Policy 11. Language 12. Acknowledgement and consent 13. Third party websites 14. Limitation of liability 15. How to contact us
DEFINITION
Unless otherwise defined, all capitalised terms used in this Privacy Policy shall have the same meanings ascribed to them in our Terms of Use (as applicable).
PERSONAL DATA GENERATED DURING INTERACTION
1. Basic personal information:
Including name, gender, date of birth, marital status, etc.
2. Profession information:
Including job type and monthly income
3. Contact information:
The data selected or filled in by the user from the address book, including the relationship with the contact, the contact name and the contact number
4. Payment information:
Including the payment account information provided by the user himself and the account information used for payment.
5. Document information (needed when necessary):
A valid government-issued ID photo that proves the user's identity.
6. Face information (needed when necessary):
User's own personal selfie
The above interactive information is an important basis for your loan application review. This information will be safely retained in our server and will not be shared with third parties. You can also choose to delete your personal user data.Your face information will be encrypted and transmitted to https://www.amkainfo.online. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
DATA COLLECTED FROM DEVICES
Information collected whenever you use the App or visit our Website:
SMS Information:
What information do we collect?
a. After obtaining your authorization for SMS access, we only collect financial-related data from SMS messages.(This data includes: SMS message content, sender, recipient, and time of sending and receiving.)
b. We use keyword filtering and sent to https://www.amkainfo.online. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.
c. Mondi money will not read and collect your SMS data when the app is closed or not in use.
Why do we request your device's SMS data?
We analyze financial data in user SMS messages to assess their debt, financial status, and financial activities, thereby assessing their credit and financial status. This serves as a crucial source of information for our anti-fraud and credit assessment efforts.
Data security
a. SMS data of users is filtered by keywords, and we only collect data related to financial activities. User's personal privacy
We do not collect private information.
b. We will fully disclose and declare SMS data to users before collecting SMS data, and we will collect SMS data only after users have authorized SMS permissions
c. Your SMS data will be encrypted and sent to https://www.amkainfo.online . After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.
Connected Network App Information:
What data we will collect
We will collect information about network-connected applications on user devices, including a list of applications that obtain INTERNET permissions, a list of applications that obtain ACCESS_NETWORK_STATE permissions, and the names, package names, versions, and other information of the applications in the list.
Why we request ?
We collect information about apps that obtain specific permissions on user devices. This information is intended to help us identify apps that are used to damage applications and potentially for anonymization and fraud, using the principle of least privilege. (For example, Fake GPS: fake location Super Clone: cloning software)
Data safety
a. We use the official and secure PackageManager API interface provided by Android and only used to identify third-party, non-system apps on the device that have been granted specific permissions (INTERNET, ACCESS_NETWORK_STATE). This feature is used for risk management and device environment assessment and does not involve user privacy or behavioral analysis.
b. The retrieved app list data will be GZIP compressed (using the gzipString() method) and encrypted for transmission to https://www.amkainfo.online and ensure data security.
c. Mondi money will never share your data with any third party. Data collection will only occur with your consent.
Device Information：
Mondi money requires nationwide mobile phone access to ensure that no unauthorized devices conduct activity under your name to prevent fraud. We will collect and track specific information about your device, including your phone model, OS version, screen size, device language, RAM size, and storage capacity. In addition, we will collect your device's unique identifiers, such as serial number and SSAID. We will also collect WIFI information, including WIFI status and mobile network details to ensure device identification. This information helps us improve your credit profile and assess your credit worthiness.
CAMERA
When you authenticate your identity, we will ask you to take a selfie photo by calling your device's camera. We will upload your selfie photo to our server for identity verification.
We will only ask you to take a selfie with the camera when you authenticate your identity. We will also only upload the only selfie photo you have confirmed to our https://www.amkainfo.online server after encryption.Your data will be protected and kept confidential.
STORAGE
Access to your device storage requires your permission, which will allow you to upload photos and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server (https://www.amkainfo.online) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
CONTACTS IN YOUR ADDRESS BOOK
We collect the contacts you select in your phone book, including the contact's name and phone number. The above information will help you select emergency contacts in your loan application and allow us to contact them when necessary to prevent fraud and monitor debt collection. This will enable us to better assess your credit status and manage our identification and credit portfolio management risks. We will upload your contact information to Mondi money's server (https://www.amkainfo.online), and your data will be protected and kept strictly confidential.
PHOTO ALBUM
We will collect the photos you select in the photo album, which will help you choose the corresponding ID photos to upload in your loan application. This will enable us to better assess your credit risk profile. We will upload your contact information to Mondi money's server (https://www.amkainfo.online), and your data will be protected and kept strictly confidential.
User behavior data collection
We only collect service-related interactions (clicks, browsing, app launches/closes) to optimize functionality and security. Data is anonymized, encrypted, and never sold/shared with third parties.
THE USE OF PERSONAL INFORMATION WHICH WE HAVE COLLECTED
We may use Personal Information collected for any of the following purposes as well as for such other purposes as are permitted by Applicable Law:
a. We may use your Personal Information:
● to identify you and to register you as a user and to administer, manage or verify your Account and your credit conditions as such;
● to facilitate or enable any checks as we may in our discretion consider necessary before we register you as a user;
● to disburse Loan and collect payments for your use of the Service;
● to build credit models and perform credit scoring;
● to comply with Applicable Law, regulations, and rules, such as those relating to “know-your-customer” and anti-money laundering requirements;
● to communicate with you and to send you information in connection with the use of the App;
● to notify you of any updates to the App or changes to the Service (including interest rate, Transaction Fees, etc.) available;
● to process and respond to enquiries and feedback received from you;
● to maintain, develop, test, enhance and personalise the App to meet your needs and preferences as a user;
● to contact you by telephone using auto-dialled or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy and the Terms of Use;
● to monitor and analyse user activities and demographic data including trends and usage of the Service available on the App; and
● to send you direct marketing communications and information on special offers or promotions.
b. We may also use your Personal Information more generally for the following purposes (although we will in each such case always act reasonably and use no more Personal Information than what is required for the particular purpose):
● to undertake associated business processes and functions;
● to monitor usage of the App and administer, support and improve the performance efficiency, user experience and the functions of the App;
● to provide assistance in relation to and to resolve any technical difficulties or operational problems with the App;
● to generate statistical information and anonymous analytics data for the purpose of testing, research, analysis and product development;
● to prevent, detect and investigate any prohibited, illegal, unauthorised or fraudulent activities;
● to facilitate business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving us and/or any of our Affiliates; and
● to enable us to comply with our obligations under any Applicable Law (including but not limited to responding to regulatory enquiries, investigations or directives) and conducting audit checks, due diligence and investigations.
SHARING OF PERSONAL INFORMATION WHICH WE COLLECT
a. We may disclose to or share with Affiliates and other parties your Personal Information for any of the following purposes as well as for such other purposes as are permitted by Applicable Law (although we will in each such case always act reasonably and disclose or share no more Personal Information than what is required for the particular purpose):
● where required or authorised by Applicable Law (including but not limited to responding to regulatory enquiries, investigations or directives, or complying with statutory or regulatory filing and reporting requirements), for the purpose so specified in that Applicable Law;
● where there is any form of legal proceeding between you and us, or between you and another party, in connection with, or relating to the Service, for the purposes of that legal proceeding;
● in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing or acquisition of all or a portion of our business by or into another company, for the purposes of such a transaction (even if the transaction is eventually not proceeded with);
● where we share your Personal Information with third parties (including Credit Reference Bureaus, Banks, Mobile Network Providers, collection agencies ， our agents, vendors, suppliers, contractors, partners and any others who provide services to us, perform functions on our behalf, or whom we collaborate with), for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), which may include allowing such third parties to introduce or offer products or services to you, or other conducting activities including marketing, research, analysis and product development;
● where we share Personal Information with Affiliates, we will only do so for the purpose of them helping us to provide the App or to operate our business (including, where you have subscribed to our mailing list, for direct marketing purposes), or for the purpose of them conducting data processing on our behalf. For example, our Affiliate in another country may process and/or store your Personal Information on behalf of our group company in your country. All of our Affiliates are committed to processing the Personal Information that they receive from us in line with this Privacy Policy and Applicable Law;
● where we publish statistics relating to the use of the App and the Service, in which case all information will be aggregated and made anonymous; and
● when we believe in good faith that disclosure of your Personal Information is necessary to comply with Applicable Law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our Terms of Use;
b. Where it is not necessary for the Personal Information disclosed or shared with other parties to be associated with you, we will use reasonable endeavours to remove the means by which the Personal Information can be associated with you as an individual before disclosing or sharing such information.
c. Other than as provided for in this Privacy Policy, we may disclose or share your Personal Information if we notify you of this in advance and we have obtained your consent for the disclosure or sharing.
CROSS-BORDER TRANSFERS OF PERSONAL INFORMATION
Your Personal Information may be transferred to, stored, used and processed in a jurisdiction other than your home nation or otherwise in the country, state and city in which you are present while using any Service provided by us ( “Alternate Country” ), to companies under Our group which are located outside of your home nation or Alternate Country and/or where Our group’s servers and/or service providers and partners are located outside of your home nation or Alternate Country.
In such a case, We shall ensure that such Personal Information remains subject to a level of protection comparable to what is required under the Laws (and, in any event, in line with our commitments in this Privacy Policy).
You understand and hereby consent to the transfer of your Personal Information out of your home nation or Alternate Country as described herein.
RETENTION OF PERSONAL INFORMATION
Your Personal Information will only be held for as long as it is necessary to fulfil the purpose for which it was collected, or for as long as such retention is required or authorised by Applicable Law. We shall cease to retain Personal Information, or remove the means by which the Personal Information can be associated with you as an individual, as soon as it is reasonable to assume that the purpose for which that Personal Information was collected is no longer being served by retention of Personal Information and retention is no longer necessary for legal or business purposes.
ACCESS AND UPDATE/CORRECTION OF PERSONAL INFORMATION
a. You may request us for access to and/or the correction of your Personal Information in our possession and control, by contacting us at the details provided below. Subject to Applicable Law, we reserve the right to charge an administrative fee for such requests.
b. We reserve the right to refuse your requests for access to, or to correct, some or all of your Personal Information in our possession or control, if permitted or required under any Applicable Law. This may include circumstances where the Personal Information may contain references to other individuals or where the request for access or request to correct is for reasons which we reasonably consider to be trivial, frivolous or vexatious.
WHERE WE STORE YOUR PERSONAL INFORMATION
a. The Personal Information that we collect from you may be stored at, transferred to, or processed by third party service providers. We will use all reasonable endeavours to ensure that all such third party service providers provide a level of protection that is comparable to our commitments under this Privacy Policy.
b. Your Personal Information may also be stored or processed outside of your country by personnel who work for us in other countries, or by our third party service providers, suppliers, contractors or Affiliates, to the extent permitted under Applicable law. In such a case, we will ensure that such Personal Information remains subject to a level of protection comparable to what is required under the laws of your country (and, in any event, in line with our commitments in this Privacy Policy).
SECURITY OF YOUR PERSONAL INFORMATION
Confidentiality of your Personal Information is of utmost importance to us. We will use all reasonable efforts to protect and secure your Personal Information against access, collection, use or disclosure by unauthorised persons and against unlawful processing, accidental loss, destruction and damage or similar risks. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your Personal Information, you acknowledge that we cannot guarantee the integrity and accuracy of any Personal Information which you transmit over the Internet, nor guarantee that such Personal Information would not be intercepted, accessed, disclosed, altered or destroyed by unauthorised third parties, due to factors beyond our control. You are responsible for keeping your Account details confidential and you must not share your password with anyone and you must always maintain the security of the Mobile Device that you use.
CHANGES TO THIS PRIVACY POLICY
We may review and amend this Privacy Policy at our sole discretion from time to time, to ensure that it is consistent with our future developments, and/or changes in legal or regulatory requirements. If we decide to amend this Privacy Policy, we will notify you of any such amendments by means of a general notice published on the App and/or Website, or otherwise to your e-mail address set out in your Account. You agree that it is your responsibility to review this Privacy Policy regularly for the latest information on our data processing and data protection practices, and that your continued use of the App or Website, communications with us, or access to and use of the Service following any amendments to this Privacy Policy will constitute your acceptance to the amendments.
LANGUAGE
If there is any inconsistency between the English version of this Privacy Policy and other language versions, the English version shall prevail.
ACKNOWLEDGEMENT AND CONSENT
a. By accepting the Privacy Policy, you acknowledge that you have read and understood this Privacy Policy and you accept all of its terms. In particular, you agree and consent to us collecting, using, disclosing, storing, transferring, or otherwise processing your Personal Information in accordance with this Privacy Policy.
b. In circumstances where you provide us with Personal Information relating to other individuals (such as Personal Information relating to your spouse, family members, friends or emergency contact), you represent and warrant that you have obtained such individual’s consent for, and hereby consent on behalf of such individual to, the collection, use, disclosure and processing of his/her Personal Information by us.
c. You also consent and expressly authorise use to contact you and your emergency contact who has expressly agreed upon it, to verify your information or when we are unable to contact you via other methods or when we have not received your payment in connection with Loan.
d. You may withdraw your consent to any or all collection, use or disclosure of your Personal Information at any time by giving us reasonable notice in writing using the contact details stated below. You may also withdraw your consent for us to send you certain communications and information via any “opt-out” or “unsubscribe” facility contained in our messages to you. Depending on the circumstances and the nature of the consent which you are withdrawing, you must understand and acknowledge that after such withdrawal of consent, you may no longer be able to use the App or certain of the Service. A withdrawal of consent by you may result in the termination of your Account or of your contractual relationship with us, with all accrued rights and obligations remaining fully reserved. Upon receipt of your notice to withdraw consent for any collection, use or disclosure of your Personal Information, we will inform you of the likely consequences of such withdrawal so that you can decide if indeed you wish to withdraw consent.
THIRD PARTY WEBSITES
a. The App and Website may contain links to websites that are operated by third parties. We do not control nor accept liability or responsibility for these websites and for the collection, use, maintenance, sharing, or disclosure of data and information by such third parties. Please consult the terms and conditions and privacy policies of those third party websites to find out how they collect and use your Personal Information.
b. Advertisements contained on our App or Website operate as links to the advertiser’s website and as such any information they collect by virtue of your clicking on that link will be collected and used by the relevant advertiser in accordance with the privacy policy of that advertiser.
LIMITATION OF LIABILITY
We shall not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages arising out of:
a. Your use of or reliance on the App or your inability to access or use the App; or
b. Any transaction or relationship between you and any other third party, even if we have been advised of the possibility of such damages.
We shall not be liable for delay or failure in performance resulting from causes beyond our reasonable control.
HOW TO CONTACT US
If you have any questions regarding this Privacy Policy or you would like to obtain access and/or make corrections to your Personal Information, please contact our Data Protection Officer at Mondijbbwservice@outlook.com
Company Name：AMKA TECHNOLOGY SARL
Number: +263 783332882
Address: 10 northfolk, Kwekwe, Zimbabwe