This Privacy Policy is owned and operated by MAESTRO CREDIT LIMITED.
This privacy policy ("policy") will help you understand how Credit root”("us", "we", "our") uses and protects the data you provide to us when you visit and use any of our services(“Services”).
We respect your right to privacy. This policy summarizes what personal information we may collect, how we may use this information, and other important topics relating to your privacy and data protection.
This policy may be changed from time to time of which you will be promptly updated as much as you frequently visit this page.
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.
1. Consent
1.1.
By downloading any of our apps or continuing to surf our website, you confirm that you have read, understood and accept the terms of this 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 policy.
1.2.
If you check the option of having read and agreed to this privacy policy, it will be regarded as acceptance of this policy and an agreement to be bound by the terms of this policy. Otherwise, your continued use of the service site, and app indicates your acceptance of the policy.
2. Statement of Compliance with Data Protection Principles
We receive your data for the specific purposes stated in this policy geared towards providing our services to you. We receive data you have provided to us or that you have enabled us to access by subscribing to our service on the app or service site. Your personal data is stored securely on our server and we take steps to ensure the security of your data by implementing physical, electronic, and procedural safeguards in order to protect the information, including storage of the information on secured servers protected by secured networks to which access is limited to a few authorized employees and personnel. Your data is stored for the period you are subscribed to our service and if you elect to deactivate your account, we delete your data from our server.
3. Information We May Collect from You
We may collect and process the following data about you:
3.1.
Information you give us about you (Submitted Information)
This may include information:
A.SMS
We request your device's SMS data at Credit root to measure your credibility and discover and analyze potential fraud and risks by reading the SMS information. You have the option to refuse the authorization without impacting your ability to continue applying for loans on the APP. For your data safety, only financial activity-related SMS information will be uploaded, and other messages will not be captured. Your SMS data will be encrypted and transmitted to https://www.maestcre-credit.info, and after analysis, we will permanently delete it. We assure you that your SMS data will not be shared with any third party. Additionally, we will only read your SMS data after you authorize us to obtain the 'READ_SMS' permission on your device, and Credit root will not read or collect your SMS data when the app is closed or not in use.
B.PHONE STATE
Credit root require phone state access so that we can ensure that no unauthorized device acts on your behalf to prevent frauds. we will collects and monitors specific information about your device including your hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, line1Number, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices. This also helps us in enriching your credit profile and assessing your credit worthiness.
C.LIST APPLICATIONS
Why we request your device APP list data
We querying for specific apps that satisfy our app\'s manifest declaration on your device. These specific apps will help us to know if your device has apps installed with related features such as fraud or cloning (e.g. fake location information, cloned email id and contact information). So that we can judge the authenticity of your information and make a correct judgment on your credit risk.
What you can do
You can choose to refuse the authorization, which will not affect your continued application for loans on the APP.
what data we will collect
We will collect basic information such as the name, version number and package name of the applications installed on the user's device.
Data safety
This limited app information will collects and transmits to Credit root servers https://www.maestcre-credit.info. Credit root will not read and collect your data when the app is closed or not in use. Credit root will never share data to any third party. The collection will only be done if you agree to the authorization.
4.How we use the data
We might use the data we get from you in one of the following ways:
(1)to tailor your experience and enable us to deliver content and product offerings that best suit your needs;
(2)to fulfill your request with goods, services, and information;
(3)to use your information to calculate your credit score;
(4)to inform customers of recent product or service enhancements;
(5)To circle back to them after correspondence (live talk, email or telephone requests).
5. Tracking and Cookies
We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the app or service site. This helps us to provide you with a good experience when you use the app or browse the service site and also allows us to improve the app and our service sites.
You will be required to indicate your consent to our cookies by a conspicuously displayed cookies banner when you visit our service site or use our app, or to modify your cookies options.
6. Uses Made of the Information
6.1.
We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this policy for as long as it is combined.
6.2.
Information collected by us shall be used for the purpose of determining whether or not to provide a loan to you, the amount of such loan and the terms and conditions applicable to such loan.
6.3.
Save in compliance with an order of the court, arbitration panel, tribunal, regulatory directive or order or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous aggregate information about our users or other anonymous personal data of our users.
7. Disclosure of Your Information
7.1.
We may disclose some or all of the data we collect from you when you download or use the app to credit reference bureaus.
7.2.
We may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries in accordance with our Binding Corporate Rule for data transfer.
7.3.
We may disclose your personal information to third parties who are trusted third-party service providers to support our Services and business. When we share information with such third parties we require them under an agreement with them to take appropriate organizational and technical measures to protect your information and observe applicable laws.
7.4.
If our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets.
7.5.
We may therefore disclose and transfer your information or our obligations and rights under this policy to any of our affiliates or successors, and to any third party who proposes to acquire all or part of business or operations, whether such acquisition is by way of investment, merger, restructuring, sale of capital or assets, by operation of law, or otherwise.
7.6.
We may disclose your information if we believe such action is necessary to: (a) comply with any legal or regulatory obligation or request served on us; (b) protect and defend our rights and the enforcement of our agreements including to ensure technical service functionality, data accuracy, perform trouble-shooting, protect our platform and services from abuse, and prevent or detect security breaches and illegal, restricted or prohibited activity; and (c)enforce our Terms and Conditions and other agreements or to investigate potential breaches; report defaulters to any credit bureau; or for the purpose of publishing statistics relating to the use of the app, in which case all information will be aggregated and made anonymous.
8. Where We Store Your Personal Data and Keep Your Data Safe
8.1.
We store and process your personal information on our computers, servers and data centers in and outside. And we will transfer your data to another country which has an adequate data protection law. We will seek your consent where we need to send your data to a country without an adequate data protection law.
8.2.
We will ensure that your personal data is protected against unauthorized access or breaches by the use of adequate technical measures. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centres, and information access authorization controls., However, we cannot guarantee the security of your data where they are intercepted by bad actors by means outside our control and not for a want of deployment of standard and latest technical measures on our part.
9. Your Rights
9.1.
With regard to your personal data in our custody, you have the right to request for (a) access to your personal data (b) the rectification of your personal data, or (c) the transfer of your data to another service provider. We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous. We may also share your personal information in compliance with national or international laws; crime prevention and risk management agencies and service providers.
9.2.
Subject to your consent, we may use your information for marketing purposes. You shall be entitled to withdraw your consent to the usage of your information for marketing purpose by informing us through the contact details provided at the end of this policy.
9.3.
Should you wish to delete your personal data acquired by us, you may do so by contacting us via the email addressed at the end of this Policy.
10. Changes to Privacy Policy
We may revise this Privacy Policy from time to time to reflect changes to our app, the service site, or applicable laws. The revised policy will be effective as of the published effective date. Any future changes made to this Policy will be posted on this page and, notified to you when you next start the app or log onto our service sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the app or the services. In any event, by continuing to use the app or any services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.
11. Links to Other Websites
11.1. Certain transaction processing channels may require links to other websites or organisations other than ours. Please note that we are not responsible and have no control over websites, service sites or apps outside our domain. We do not undertake to monitor or review the content of other party’s websites, service sites or apps which are linked from our website or media platforms.
11.2. Opinions expressed or materials appearing on such websites, service sites or apps are not necessarily shared or endorsed by us, and Credit root should not be regarded as the publisher of such opinions or materials. Please be aware that we are not responsible for the privacy practices, or content of these sites. We also urge you to study the privacy polices of such sites, or apps and evaluate the security of the site or app independently before engaging with same or disclosing personal information therein. Credit root will not be responsible for any loss, or damage resulting to you from the engagement with such website, service sites or apps.
12.Children's Privacy
Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
13. Our Contact
Questions, comments and requests regarding this privacy policy are welcomed and should be
Company Name:MAESTRO CREDIT LIMITED
Telephone:+2550680278018
Email:Malengotzservice@outlook.com
Contact Address:QPWX+QRF, Dodoma, Tanzania