a. Device Information: We request phone permissions to collect device-related information such as operating system, IMEI number, Android version, screen size, Wi-Fi details, hardware usage data (e.g., battery usage), and advertising identifiers assigned by third-party service providers. This information helps ensure the proper functioning of our app and services.
b. Data Protection: Your personal information is encrypted and securely stored on our server (www.ganjicredit.com). We pledge not to share your personal information with any third parties.
a. Purpose: We request SMS permission only after obtaining your explicit consent.
b. Scope of Collection: SMS permission is used solely to read financial-related SMS messages on your device (such as bank transaction notifications, repayment reminders, etc.) for our risk control system to conduct credit assessment and risk management. We do not read your private or personal SMS content.
c. Data Security: All financial SMS data collected is encrypted and used exclusively for internal risk control analysis. We will never share this data with any third party or use it for any other purpose.
a. Purpose: We request network access permission, with your consent, mainly for data interaction, service updates, real-time risk control analysis, and information synchronization.
b. Data Security: All data transmitted over the network is encrypted to ensure your information is not leaked during transmission.
Submitted Information: This includes data you provide through forms on our website or app, correspondence via email or chat, app downloads, service subscriptions, social media interactions, participation in activities, surveys, and issue reporting.
Device Information: We may automatically collect technical information about your device, such as device type, unique identifiers (e.g., IMEI or serial number), SIM card details, mobile network information, operating system, browser type, and location data.
Location Information: We may use GPS or other location services, only after you grant permission. You can withdraw consent at any time by logging out and uninstalling the app.
Information from Third Parties: We may receive information about you from third parties, such as credit reference agencies and mobile network providers, for legitimate purposes such as credit assessment.
Unique Application Numbers: When you install or uninstall a service containing a unique application number, or when such a service checks for updates, we may collect information about your installation, such as the operating system type.
We may use mobile tracking technologies and website cookies to enhance your experience and improve our services.
We may use the information collected for the following purposes:
To comply with legal requirements and regulations, including Know Your Customer (KYC), Customer Due Diligence, Anti-Money Laundering, and Anti-Terrorism Financing.
To provide and maintain our services.
To notify you about changes to our services.
To enable your participation in interactive features of our services.
To provide customer support and improve our services through analysis.
To monitor and optimize service usage.
For operational, marketing, and promotional purposes (only with your consent).
Your information, including personal data, may be transferred to and stored on servers located outside your jurisdiction. This may involve transferring data to countries or regions with different data protection laws. We commit to:
Taking reasonable technical and administrative measures (such as encryption and access control) to protect your data during cross-border transfers.
Ensuring your data is protected in accordance with this Privacy Policy and applicable laws, regardless of where it is stored.
Only transferring data as necessary to fulfill contracts, legal obligations, or with your explicit consent.
We may disclose some or all of your data in the following circumstances:
Credit Reference Agencies: When you use our loan services, we may submit certain personal information to credit reference agencies for credit assessment and reporting, strictly for compliance and risk control purposes.
Group Companies, Subsidiaries, and Affiliates: To improve service quality, conduct joint services, or for compliance audits, we may share your information within our group. All recipients are required to comply with this Privacy Policy.
Business Restructuring or Acquisition: In the event of a merger, acquisition, or asset transfer, your data may be transferred as part of the business assets. We will notify you in advance and protect your data rights.
Legal or Regulatory Requirements: We may disclose your information as required by law, court order, or government request.
Rights Protection and Security: To protect our legal rights, enforce our terms of service, investigate potential violations, or ensure the safety of users and services, we may disclose necessary data.
Statistical Analysis and Reporting: We may process data in a de-identified and anonymized manner for statistical analysis and business reporting, ensuring your identity cannot be determined.
We take your data security seriously and implement multiple measures to prevent data loss, misuse, unauthorized access, disclosure, alteration, or destruction, including but not limited to:
Data Encryption: All sensitive data is encrypted during storage and transmission to ensure security.
Access Control: Only authorized employees and service providers can access your data when necessary, and all are bound by confidentiality agreements.
Security Audits: We regularly conduct system security checks and vulnerability scans, promptly addressing potential risks.
Backup Mechanisms: We maintain data backup and recovery mechanisms to prevent accidental data loss.
User Self-Protection: We recommend you keep your account and password information secure and do not share it with others. If you suspect your account or password has been compromised, please contact us immediately.
While we strive to use commercially acceptable means to protect your personal data, no method of transmission over the Internet or electronic storage is 100% secure. We will continue to optimize our security strategies to maximize the protection of your personal information.
To better serve you, we may engage third-party companies or individuals as service providers to:
Provide and maintain service functions;
Conduct data analysis, risk assessment, and risk control modeling;
Provide customer support;
Assist with marketing activities or product promotion.
All third-party service providers are required to adhere to the same strict data protection and confidentiality obligations as we do. We only disclose the data necessary for them to perform their services and supervise their data processing activities. If a third party experiences a data breach or violation, we will take remedial action and notify users and regulatory authorities as required by law.
Our services are intended only for users aged 18 and above. We do not knowingly collect personal information from anyone under the age of 18. If we discover that a minor has provided us with personal information without parental or guardian consent, we will promptly delete such information. If you believe we may have information from or about a minor, please contact us immediately.
According to applicable laws and regulations, you have the following rights regarding your personal data:
Right of Access: You have the right to access the personal information we hold about you at any time.
Right to Rectification: If your information is incorrect or incomplete, you may request us to correct it promptly.
Right to Erasure: In certain circumstances (such as when the data is no longer necessary for the purposes for which it was collected, or you withdraw your consent), you have the right to request the deletion of your personal information.
Right to Restrict Processing: You may request us to restrict the processing of your personal data in certain situations.
Right to Data Portability: You have the right to obtain your personal information in a structured, commonly used, and machine-readable format and to transfer it to another controller.
Right to Withdraw Consent: Where processing is based on your consent, you may withdraw your consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.
Right to Object to Marketing: You may object at any time to our use of your data for marketing purposes.
Right to Lodge a Complaint: If you believe we have not handled your personal information in accordance with the law, you have the right to lodge a complaint with the relevant supervisory authority.
To exercise any of these rights, please contact us (see "Contact Information" below). We will respond and process your request within the time limits required by law.
We may update this Privacy Policy from time to time due to business development, changes in laws and regulations, or other reasons.
Notification: If there are significant changes, we will notify you via in-app announcements, email, or other prominent means, and post the latest version on this page.
Effective Date: The new policy will take effect from the date of publication. If you continue to use our services after the new policy takes effect, it means you have fully read, understood, and agreed to be bound by the updated policy.
Recommendation: We recommend that you review this Privacy Policy periodically to stay informed about our privacy protection measures.
If you have any questions, comments, or requests regarding this Privacy Policy or wish to exercise your data rights, please contact us via:
Official website: www.ganjicredit.com
Customer service email: Please refer to the contact information on our website
Customer service phone: Please refer to the contact information on our website
We are committed to responding to and handling your requests promptly to protect your legal rights.
Loan Amount: UGX 60,000 - UGX 800,000
Loan Tenure: 91 days to 365 days
Annual Percentage Rate (APR): 16% - 45%
Example:
Loan Amount: UGX 100,000
Loan Tenure: 91 days
Interest Rate: 25%
Total Interest: UGX 25,000
Total Amount to be Repaid: UGX 125,000
That is: 100,000 + 100,000 * 25% = 125,000