PRIVACY POLICY
The following Privacy Policy provides a comprehensive overview of how "ZAMARADI CAPITAL & CREDIT GROUP LTD", along with its affiliated entities, gathers, retains, utilizes, transmits, divulges, and safeguards your Personal Information.
By accessing this Haki Pesa mobile application ("App") (collectively, the "Platform") and using the services we provide ("Services"), you agree to be bound by the terms and conditions of this Privacy Policy.
Upon acceptance, this policy constitutes a legal agreement between you (as the user of the platform) and Haki Pesa (as the owner of the platform).
This policy describes our policies and procedures for the collection, use, storage, processing, disclosure and protection of any information, including but not limited to business or personal information you provide as a user ("User" or "You/R") during the use of platform. User means anyone who accesses, uses, processes and/or transacts through the Platform or uses our Services and includes a browser.
By accessing/visiting the Platform and voluntarily providing information to us (personal and/or non-personal), you consent to our use of it in accordance with this Policy and applicable law.
This policy does not apply to third-party websites/mobile applications connected through platform links. If you do not agree to this policy, please do not continue to use/access this platform.
A. Personal Data Collected During User Interaction
Basic Identity Information:
This includes details such as your name, gender, date of birth, and marital status.
Employment Information:
Covers your occupation category and reported monthly income.
Contact Details:
Information selected or entered from your phone’s contact list, including the contact’s name, phone number, and your relationship with them.
Payment-Related Information:
Includes the payment account details you provide and the account used for receiving or making payments.
Identity Documents (if required):
A government-issued photo ID that verifies your identity may be requested when necessary.
Facial Information (if required):
A personal selfie provided by you for identity verification.
The personal information listed above is essential for processing your loan application. All collected data will be securely stored on our servers and will not be disclosed to any third party. You also have the option to delete your personal data at any time. Facial data will be encrypted and sent to https://www.hakimoney.top/ for analysis. After this process, any SMS-related data will be permanently deleted. We do not share SMS data with any third parties.
B.Data collected from devices
To access your eligibility and facilitate faster disbursal of your loan,we need permissions to access your SMS,device information,app list,camera, storage,your selected contact and photo album.
(1).SMS Data
Why We Require Access to Your Device's SMS Data Haki Pesa accesses the SMS information on your device in order to assess the user's credibility, evaluate potential fraud risks, and analyze personal debt capacity.
Your Options You have the choice to decline this authorization, and it will not hinder your ability to continue withdraw cash through our APP.
Ensuring Data Security Your SMS data will undergo encryption before being transmitted to https://www.hakimoney.top/. Following analysis, the SMS data will be permanently erased. We guarantee that your SMS data will not be disclosed to any third parties.
Regarding the Collection of Your SMS Data Only SMS messages pertaining to financial activities are read and uploaded for reference purposes. No other SMS information is collected or uploaded. This reading of SMS data only occurs after you grant us the 'READ_SMS' permission on your device. Haki Pesa does not read or collect your SMS data when the app is inactive or closed.
(2).DEVICE INFORMATION
Haki Pesa's Device Information Access Requirements
Haki Pesa requires access to your device's information to ensure that no unauthorized devices are acting on your behalf, thereby preventing potential frauds. To accomplish this, we will:
Collect and Monitor Device-Specific Information:
Gather details about your hardware model, build model, RAM, and storage capacity.
Collect unique device identifiers such as the serial number and SSAID.
Collect WIFI Information:
Record the MAC address of your device's WIFI interface.
Gather Mobile Network Information:
Collect data to uniquely identify your device on the mobile network.
This comprehensive collection of information helps us to:
Enrich your credit profile.
Assess your creditworthiness more accurately.
Please note that we take the privacy and security of your information very seriously and will only use it for the purposes outlined above.
(3).CONNECTED NETWORK APP INFORMATION
Why we request ?
We are querying for particular applications on your device that align with our app's manifest declaration. These specific applications will assist us in determining whether your device has installed apps featuring related capabilities, such as fraud or cloning activities (for instance, fake location data, cloned email IDs, and contact information). This will enable us to assess the authenticity of your information and make an accurate judgment regarding your credit risk.
What you can do
You can choose to refuse the authorization, which will not affect your continued application for funds 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 https://www.hakimoney.top. We will not read and collect your data when the app is closed or not in use and never share data to any third party. The collection will only be done if you agree to the authorization.
(4).CAMERA
When you proceed with identity authentication, we will request access to your device’s camera in order for you to take a selfie. This photo will be used solely for the purpose of verifying your identity and ensuring that the information you provide matches your real identity.
We will only activate your camera to capture a selfie during the identity verification process. Once you have reviewed and confirmed the selfie photo, it will be encrypted and securely uploaded to our server at https://www.hakimoney.top for analysis.
We are committed to protecting your personal information. Your selfie will be handled with strict confidentiality and will not be shared with any third parties. All data is stored securely and used exclusively for verification purposes.
(5).PHOTO ALBUM
We may collect the photos you choose from your device’s photo album to assist you in selecting and uploading the appropriate identification images as part of your loan application process. These ID photos help us more accurately evaluate your credit risk profile and ensure a smooth verification experience.
In addition, your contact information will be securely uploaded to Boom Loan’s server at https://www.hakimoney.top. Please be assured that all your data will be encrypted, protected, and kept strictly confidential. It will not be shared with any unauthorized third parties.
(6).CONTACTS IN YOUR ADDRESS BOOK
We collect the contact information you manually select from your phone’s address book, including the contact’s name and phone number. This data is used to help you easily choose emergency contacts during your loan application process. It also enables us to reach out to these contacts when necessary for fraud prevention, identity verification, or debt recovery purposes.
This information plays a key role in helping us assess your overall credit status and manage risks related to customer identification and credit portfolio oversight. Your selected contact data will be securely encrypted and uploaded to Boom Loan’s server at https://www.hakimoney.top. We are fully committed to protecting your privacy — your information will be kept strictly confidential and never shared with unauthorized third parties.
C. User Behavior Data Collection We collect limited data related to how you interact with our app, such as clicks, page views, app openings and closures. This information is solely used to improve app performance, enhance user experience, and ensure the security and stability of our services.
All behavioral data is anonymized and encrypted before storage. We strictly do not sell, share, or disclose this data to any third parties.
Personal Data from Third Parties
i. Credit Reports:
We also collect Your credit reports and credit data on Your behalf in the event You have requested the same from Us. In this regard, You:
a. Authorize Us, to request and receive Your credit score / report from credit information companies, now and on a periodic basis, at its discretion until such time You communicate in writing to Us to discontinue such requests.
b. further fully understand that the purpose of this credit score / report is to enable Us to effectively make personalized offers to You and enable faster processing of credit applications to help provide speedier access to credit through Our Platform.
c. also understand that We may apply for the credit score / report either ourselves directly or through any of their partner tie ups who are members of credit information companies, and fully authorize Us to share Your details with such partner.
ii. Social Media:
We also collect information and data through Facebook, Twitter, LinkedIn or other social media accounts of the Users which have been linked to the account on the mobile application, if any.
We may receive Your Personal Information from such social media websites/ applications, in accordance with the privacy policy of such sites/applications. Such information received from the other websites/platforms/applications at the time of accessing Platform may include, and not be limited to, the user name, profile picture, e-mail address associated with that particular website/ application, any information that has been made public in connection with that website/ application belonging to You and/ or any information or content the social media website/ application has the right to share with Us.
(3). Collection of Other Non-Personal Information
i. Additional Information
We automatically track certain information about You based upon Your behavior on Our Platform. We use this information to do internal research on Our users' demographics, interests, and behavior to better understand, protect and serve Our users and improve Our services. This information is compiled and analyzed on an aggregated basis.
We also collect Your Internet Protocol (IP) address and the URL used by You to connect Your computer to the internet, etc. This information may include the URL that You just came from (whether this URL is on Our Platform or not), which URL You next go to (whether this URL is on Our Platform or not), Your computer browser information, and Your IP address.
If You send Us personal correspondence, such as emails or letters, or if other users or third parties send Us correspondence about Your activities or postings on the Platform, We collect such information into a file specific to You.
ii. Cookies
The Company may use "cookies" as required on the Platform. "Cookies" is a term generally used for small text files a web site uses to recognize repeat users, facilitate the user's ongoing access to and use of the site, allow a site to track usage behavior and compile aggregate data that will allow content improvements and targeted advertising, preferences etc.
Cookies themselves do not personally identify the User, but it identifies User device. Generally, cookies work by assigning a unique number to the computer that has no meaning outside the assigning site.
For the purpose of this Policy Users are informed that cookies also exist within mobile applications when a browser is needed to view certain content or display an advertisement within the application.
Users are being made aware that the Company cannot control the use of cookies or the resulting information by advertisers or third parties hosting data on the Company’s Platform. If Users do not want information collected through the use of cookies, they may change the settings in the browsers that allows to deny or accept the cookie feature as per User discretion and in the manner agreed by them.
iii. Web Beacons
The web pages of the website contain electronic images known as “web beacons”, sometimes called single-pixel gifs and are used along with cookies to compile aggregated statistics to analyze how the website is used. Web beacons may also be used in some of the Company’s emails to so as to know which emails and links recipients have opened, allowing it to gauge the effectiveness of its customer communications and marketing campaigns.
3. MODE OF COLLECTION OF INFORMATION
We may collect User information in a manner that includes the following:
(1). Information that the User provide to Us by filling in registration / enrollment / signing up forms on the Platform/ or availing any other financial service from the Platform.
(2). Information that the User provides when Users writes directly to Us by way of e-mail, letters, messages, etc.
(3). Information that the User provides merely by accessing/navigating the Platform.
(4). Information collected by the Company through independent third-party sources like merchants, financial organizations and other credit bureaus.
4. USE OF INFORMATION
You explicitly authorize and consent that We may use the information provided by You in the following ways:
(1). to establish identity and verify the same;
(2). monitor, improve and administer Our Platform;
(3). design and offer customized products and services offered by Our third-party financial partners;
(4). analyze how the Platform is used, diagnose service or technical problems and maintain security;
(5). send communications notifications, information regarding the products or services requested by You or process queries and applications that You have made on the Platform;
(6). manage Our relationship with You and inform You about other products or services We think You might find of some use;
(7). conduct data analysis in order to improve the services provided to the User;
(8). use the User information in order to comply with applicable laws and regulations;
(9). For fraud prevention and detection;
(10). use the User information in other ways permitted by law to enable You to take financial services from Our lending partners.
(11). We will use and retain Your information for such periods as necessary to provide You the services on Our Platform, to comply with Our legal obligations, to resolve disputes, and enforce Our agreements.
(12). Share the User information with Our lender partners enabling them to pull out credit reports through independent credit bureau agencies.
5. STORAGE OF INFORMATION
We store and process Your personal information on Ali cloud servers and other cloud service providers within Kenya. Some of the safeguards We use are firewalls and 2048 bit data encryption using SSL, and information access authorization controls. We use reasonable safeguards to preserve the integrity and security of
Your information against loss, theft, unauthorized access, disclosure, reproduction, use or amendment. To achieve the same, We use reasonable security practices and procedures as mandated under applicable laws for the protection of Your information. Information You provide to Us may be stored on Our secure servers located within or outside Kenya.
However, You understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that You transmit to Us is at Your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to Our Platform and data bases or other acts of third parties, or acts or omissions beyond Our reasonable control and You shall not be entitled to hold Us responsible for any breach of security.
6. INFORMATION SHARING
(1). We will share Your information with third parties to facilitate provisioning of services by Us to You only in such manner as described below:
(2). We may share Your information with third parties under a confidentiality agreement for provision of services which inter alia restricts such third parties from further disclosing the information unless such disclosure is for the purpose as detailed under that confidentiality agreement.
(3). We may disclose Your information to the financial service providers, banks or NBFCs and Our third-party partners for providing the services as detailed under the Terms & Conditions;
(4). We may share Your information with Our third-party partners in order to conduct data analysis in order to serve You better and provide services on Our Platform;
(5). We may disclose Your information, without prior notice, if We are under a duty to do so in order to comply with any legal obligation or an order from the government and/or a statutory authority, or in order to enforce or apply Our terms of use or assign such information in the course of corporate divestitures, mergers, or to protect the rights, property, or safety of Us, Our users, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction;
(6). We may disclose Your information to authorities as requested upon applicable laws and regulations.
7. THIRD PARTY WEBSITES
With this Policy We’re only addressing the disclosure and use of data collected by Us. If You visit any websites through the links on the Platform, please ensure You go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this Policy and We do not have control over any of their policies neither do We have any liability in this regard.
We might post Your data, excluding personally identifiable information, on various pages of Our Platform that will be visible to people other than registered Users.
8. PHISHING
"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal data by using fraudulent websites and/ or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any
manner, You will be a victim to Phishing. We do not send e-mails requesting a user for payment information, user name or passwords. However, We may verify the user name, password etc. provided by You from time to time.
9. SEVERABILITY AND EXCLUSION
We have taken every effort to ensure that this Policy adheres with the applicable laws. The invalidity or unenforceability of any part of this Policy shall not prejudice or affect the validity or enforceability of the remainder of this Policy. This Policy does not apply to any information other than the information collected by Us through the Platform. This Policy shall be inapplicable to any unsolicited information You provide Us through the Platform or through any other means. This includes, but is not limited to, information posted in any public areas of the Platform. All unsolicited information shall be deemed to be non-confidential and the Company shall be free to use and/ or disclose such unsolicited information without any limitations.
10. NO WAIVER
The rights and remedies of available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.
11. USER ACKNOWLEDGEMNET AND CONSENT
(1). Users acknowledge that by accessing the Platform, Users expressly consent, authorize and confirm Us to collection, maintenance, usage, handling and disclosures of User information including the sensitive personal data by Us in accordance with this Policy.
(2). Users acknowledge and understand that based on Your written request, We will collect Your credit reports and credit data on Your behalf from credit information companies that We collaborate with. In this regard, You, authorize Us, to request and receive Your credit score / report from such credit information companies, now and on a periodic basis, until such time You communicate in writing to Us to discontinue such requests.
(3). Users acknowledge that the Platform may contain links to other websites. If a User clicks on a third-party link, the User will be directed to that website/mobile application. Note that these external sites are not operated by Us and therefore, it is strongly advised that Users review the privacy policy of these websites / external links. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
(4). Users acknowledge that they have the option not to provide or agree to the collection of information. If a User chooses not to agree with the Policy, they will not be entitled to use Our services.
12. CHANGES TO THIS PRIVACY POLICY
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
While we will always endeavor to notify you, you must periodically review the policy for the latest information on our privacy practices. Changes to this Privacy Policy will be effective as soon as they are posted on this page. By continuing to access and use the platforms and services we provide, you agree to all changes to this Privacy Policy.
13.CONTACT US
Company Name : ZAMARADI CAPITAL & CREDIT GROUP LTD
Address：PX6C+P3G Twiga Court, Utawala Ring Road, Nairobi, Kenya
Email：HakipesaKenyaservice@outlook.com
Mobile: +254 102694317