PRIVACY POLICY
This application is managed by BAYPORT FINANCIAL SERVICES UGANDA LTD ("we", "our", or "us"). The following Privacy Policy describes the ways in which Bear Kash gathers, processes, protects, and discloses your personal information. By using our services, you confirm that you have reviewed, understood, and agreed to this policy. If you do not accept any part of it, we kindly ask that you stop using the app immediately.
Continuing to use Bear Kash implies that you fully accept this policy, understand its legal significance, and grant us permission to process your data as outlined here.
Information We Collect
We gather specific personal data to offer services tailored to your needs. This includes verifying your identity, building credit risk models, and determining loan eligibility. Such data is also used for collection and credit evaluation.
A. Data Collected Through Your 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.bayportservice.com. After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
B. Data Access & Usage Details
1. SMS
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.bayportservice.com. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.
c. Bear Kash 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
SMS data of users is filtered by keywords, and we only collect data related to financial activities. 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.bayportservice.com . After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.
2. Device Information
Bear Kash 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.
3.CONNECTED NETWORK APP INFOMATION
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.bayportservice.com and ensure data security.
c. Bear Kash will never share your data with any third party. Data collection will only occur with your consent.
4.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.bayportservice.com server after encryption.Your data will be protected and kept confidential.
5.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.bayportservice.com) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
6.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 Bear Kash's server (https://www.bayportservice.com), and your data will be protected and kept strictly confidential.
7.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 Bear Kash's server (https://www.bayportservice.com), and your data will be protected and kept strictly confidential.
C. User Behavior Data
We track limited in-app activity such as taps, scrolls, and app launches to improve performance and security. All such data is anonymized and encrypted, and never shared or sold.
Advertising ID Use
We use the advertising ID strictly for analytics and advertising purposes. We comply with your device settings regarding ad personalization and do not link this ID to your personal information without your consent.
Data Types We May Collect
Usage information from your browser or device may include IP address, OS type, pages visited, time spent, and device identifiers. This data helps us improve app functionality and service delivery.
Cookies and Tracking
Cookies and other tracking tools help us enhance app features and understand usage patterns. You can disable cookies via browser settings, but some functions may be limited as a result.
Third-Party Services
We may use external providers to support our services. These providers only access your data to perform authorized tasks and must keep your data confidential.
External Links
Our app may include links to third-party sites. We are not responsible for their privacy practices. Please review their policies separately.
Children’s Privacy
Our services are not directed to users under 18. We do not knowingly collect data from minors. If such data is discovered, it will be promptly deleted.
Changes to This Policy
We may update this Privacy Policy periodically. Updates will be published on this page. We recommend reviewing this policy regularly for any changes.
Contact Us
Company name: BAYPORT FINANCIAL SERVICES UGANDA LTD
Email: PatoPluskenyaservice@outlook.com
Phone:+254 0783547405
Address: Limuru Rd, Nairobi, Kenya