This Privacy Policy delineates how "NECTAR MICRO-CREDIT LIMITED" store, utilize, transmit, divulge, and safeguard your Personal Information.

AZ cash Lite respect your privacy and are committed to protecting it through our compliance with this privacy policy (the “Policy”). This policy describes:

i. THE TYPES OF INFORMATION WE MAY COLLECT OR THAT YOU MAY PROVIDE WHEN YOU DOWNLOAD, REGISTER WITH OR USE THE AZ cash Lite DOWNLOADABLE TO YOUR MOBILE DEVICE (the “App”).

ii. OUR PRACTICES FOR COLLECTING, USING, MAINTAINING, PROTECTING AND DISCLOSING THAT INFORMATION.

This Policy applies only to information we collect on the App and in email, text and other electronic communications sent through or in connection with the App. 

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not download, register with or use the App. By downloading , registering with or using the App, you agree to this Policy. This Policy may change from time to time (see Changes to This Policy). Your continued use of the App after we revise this Policy means you accept those changes, so please check this Policy periodically for updates.

1.Information We Collect and How We Collect It

We collect information from and about users of the App directly from you when you provide information to us and automatically when you use the App.

2.Information You Provide to Us

When you download, register with or use the App, we may ask you to provide information:

PHONE STATE

AZ cash Lite will collect the status and basic information of your device (data includes: operating system, system version, device brand, WIFI connection, system language, time zone, Android id, screen size and other device hardware information and status). This information about your device will be encrypted, transmitted and stored to https://www.azcashlite.site to determine the authenticity of the user and device and avoid fraud.

Collecting the status and basic information of your device requires you to authorize the APP to obtain your READ_PHONE_STATE permission. This permission is required and you need to authorize this permission to continue using the APP. The APP will not collect your phone stat data when it is closed or not running.

3.THE USAGE OF PERSONAL INFORMATION WHICH WE COLLECT

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:

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 Cash 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 enquire and feedback received from you;

to maintain, develop, test, enhance and personal the App to meet your needs and preferences as a user;

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.

4.SHARING OF PERSONAL INFORMATION WHICH WE COLLECT

where required or authored by Applicable Law (including but not limited to responding to regulatory enquire, 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.

5.WHERE WE STORE YOUR PERSONAL INFORMATION

The Personal Information that we collect from you may be stored at, transferred to, or processed by third parties service providers. We will use all reasonable endeavor to ensure that all such third parties service providers provide a level of protection that is comparable to our commitments under this Privacy Policy.

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 parties 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).

6.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 authorized 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 unauthorized 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.

7.YOUR RIGHTS UNDER DATA PROTECTION LAWS

You have rights under data protection laws in relation to your personal data. These include rights to:

Request us to correct your personal data：

This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request deletion of your personal data：

This allows you to ask us to delete or delete personal data that we have no good reason to continue processing. You also have the right to ask us to delete or delete your personal data for which you have successfully exercised your right to object to processing (see below), where we may process your information unlawfully or where we need to delete your personal data to comply with local law. Please note, however, that due to specific legal reasons, we may not always be able to honor your removal request, and if applicable, we will notify you when you request it.

Object to processing of your personal data：

Where we are relying on a legitimate interest (or those of a third parties). You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

8.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.

9.Notice About The Children

Our applications deliver services exclusively to individuals over the age of 18. If you are a minor, kindly avoid the usage of our mobile app. As seen above, we do not intentionally collect data from underage people. If you are a parent or a legal guardian of a minor who has accessed our phone app and services, please notify us about the happening by using our contact details.

10.Contact Information

If you have any questions about this Policy, the practices of the App or your dealings with the App, please contact us at:

Developer name: NECTAR MICRO-CREDIT LIMITED

Phone number: +255 0680278045

E-mail: AZcashLitetanzservice@outlook.com

Contact address: 7CX8+H97, Kizumbi, Shinyanga, Tanzania