Galaxy Credit ("the Company," "We," or "Us") is committed to respecting and protecting the privacy of our customers ("the Customer" or "You"). This Privacy Policy explains the types of information we may collect from you, or that you may provide when you visit our website or App, and outlines our practices for collecting, using, maintaining, protecting, and disclosing that information. This Privacy Policy and any amendments or variations take effect upon publication.
By using the Galaxy Credit App, you can access our services and apply for a consumer loan.
By clicking the “Loan Registration” button above, the Customer acknowledges that they have read and agreed to all the contents outlined in the Terms and Conditions and Privacy Policy.
The Customer is required to read, understand, and agree to be bound by the content described in this Privacy Policy regarding the use of the services on the website/application.
This Privacy Policy constitutes a legal agreement between the Customer and the Company. Before using the products and services provided by the Company and/or its Partners on the website/application, the Customer acknowledges and confirms that they agree to comply with all the terms set forth in this Privacy Policy. By clicking the “Loan Registration” button or continuing to use the website/application, provide information, or complete transactions, the Customer confirms their acceptance of this Privacy Policy in relation to the use of the Company’s products and services.
“Service” refers to any product or service provided by the Company and/or its Partners to the Customer through the website/application, including the Galaxy Credit App hosted on the Google Play Store or Application Site, once the Customer has downloaded or accessed the App.
“Partner” refers to any third party that has a relationship with the Company to offer products and services to the Customer through the website/application.
The Customer agrees to read, understand, and accept all the terms in this Privacy Policy. As such, the Customer agrees that the information they provide when logging in, accessing, or using the website/application or any features, functions, or services offered will be collected, processed, transferred (including internationally), or stored in accordance with this Privacy Policy.
To comply with internal policies and data protection laws, the Company only provides services to individuals who are eighteen (18) years of age or older and located within the Republic of Tanzania. The Customer affirms that the information provided is accurate and that they meet the eligibility criteria for establishing transactions with the Company and/or its Partners. The Customer is solely responsible for ensuring the information provided complies with this Privacy Policy.
The Customer has the right to request the Company to suspend or permanently stop the collection, use, or transfer of some or all of their information by contacting customer service for further instructions.
By downloading the Galaxy Credit App, the Customer consents to the collection and processing of their personal information for legitimate business purposes, including but not limited to determining their credit score and providing a loan. The Customer affirms that all information provided is accurate to the best of their knowledge, and any misrepresentation will be treated as an attempt to defraud the Company and its Partners. The Customer agrees to promptly update their information to ensure its accuracy. The Company reserves the right to suspend or terminate the Customer’s access to the services if, in the Company’s reasonable opinion, the Customer has provided false, misleading, or incomplete information. The Customer authorizes Galaxy Credit to verify and investigate the accuracy of the information provided using third-party references and other legitimate sources, including government agencies, employers, credit bureaus, business associates, and other entities deemed appropriate by Galaxy Credit.
Personal Information We Collect
We collect personal information provided directly by you when you create an account, use our services via the App, or submit your details. Additionally, we may collect information automatically when you interact with the App. The types of information collected depend on your activities within the App and are used in accordance with applicable law.
Collection of Device Information
Purpose of Permission:
To enhance the security of your account and help prevent fraud, we may collect certain device-related information. This includes the operating system of your device, Android version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size, and other identifiers unique to your device.
Type of Data Collected:
We collect hardware information such as operating system details, device identifiers (e.g., IMEI, IMSI, MAC address), and technical data necessary for improving app functionality and maintaining security. This information is uploaded to our secure server (galaxycreditltd.com,) with advanced protection protocols.
Security of Data:
We are committed to ensuring the security of your data. All collected device information is securely uploaded to our servers at galaxycreditltd.com,api.galaxycredit.co, which are protected using high-level encryption and security measures. We will never share your data with third parties without your express permission.
Access to Financial and SMS Data
Purpose of Permission:
We access and collect your financial and transaction-related SMS messages solely for the purpose of offering specific services. This may include details like account balances, transaction history, and any relevant financial updates.
Data Collection:
We only retrieve SMS data that is related to financial transactions, ensuring that no personal or unrelated communication is accessed. This is done to provide better service and assist with specific financial features within the App.
Security Measures:
As with all data, we handle your financial SMS data with the utmost care, ensuring secure storage and use. All SMS data is securely uploaded to our servers at galaxycreditltd.com,api.galaxycredit.co with strong encryption, and we ensure that this data is handled in compliance with privacy regulations. We will not share or misuse this data in any way.
We may use the personal information collected for the following purposes:
To identify you, register you as a user, and manage your account and credit conditions.
To facilitate any necessary checks before registering you as a user.
To process loan disbursements and collect payments for services.
To build credit models and perform credit scoring.
To comply with applicable laws, including "know-your-customer" (KYC) and anti-money laundering requirements.
To communicate with you regarding your use of the App and services.
To notify you about updates to the App or changes to services.
To process inquiries and feedback.
To maintain, develop, test, and enhance the App for better user experience.
To analyze user activity, trends, and demographic data.
To send marketing communications and offers on promotions.
By accepting this Privacy Policy, you acknowledge and agree that we may share the information collected from you under the following circumstances:
Where required or authorized by applicable law.
In connection with any legal proceedings involving you, us, or third parties related to the service.
In the event of a merger, sale, restructuring, financing, or acquisition of the Company’s business.
To our employees, officers, representatives, or advisors who require the information to assist with our services.
With third parties and affiliates for operational purposes, such as service delivery and support.
When sharing aggregated or anonymized statistics regarding the use of the App and services.
When disclosure is necessary to comply with legal obligations or to prevent harm.
The personal information we collect may be stored, transferred, or processed by third-party service providers. We will take reasonable measures to ensure that these providers offer a level of protection equivalent to that outlined in this Privacy Policy.
We take the confidentiality of your personal information seriously. While we implement reasonable security measures to protect your information from unauthorized access, the transmission of data over the internet is not fully secure. You are responsible for keeping your account details confidential and agree to notify us of any unauthorized access or security breaches. We are not liable for any loss or damage resulting from a failure to protect your account details.
Galaxy Credit is required to retain certain records for at least seven (7) years. Personal data associated with your account will be kept for up to ten (10) years from the date of account closure. In certain cases, when there is no outstanding credit balance, you may request account closure and data deletion (subject to retention obligations). In some cases, we may anonymize your information for legitimate purposes.
You have rights under data protection laws in relation to your personal data, including the right to correct or delete your data, object to its processing, request data transfer, and withdraw consent. For inquiries or requests, please contact our customer service team via email or online service.
Customers are responsible for safeguarding their account information and should avoid sharing it. Galaxy Credit is not responsible for the content or security of external websites or links.
We may amend this Privacy Policy at any time, and the changes will take effect once published on our website or application. Continued use of our services indicates your acceptance of the revised terms.
If you disagree with the amendments, you have the right to terminate this agreement by providing written notice at least seven (7) days in advance.