PRIVACY POLICY
This service is operated by MADA FIN LIMITED ("we", "us", or "our"). This Privacy Policy explains how Jojo credit collects, uses, stores, discloses and protects your personal data. By accessing or using our services, you acknowledge that you have read, understood and agree to this policy in its entirety. If you do not agree with any provision, please discontinue use immediately.
Your continued use of Jojo credit constitutes your express acceptance of these terms and conditions, including your understanding of their legal implications and your authorization for us to process your data as described.
We collect certain data to provide you with a tailored Service. We also collect data to verify your identity and create credit scoring models to determine which loans we can offer you. We also use this data for debt collection and credit assessment purposes.
A. Personal data provided during the interaction
1. Basic personal information:
Including name, gender, date of birth, marital status, etc.
2. Professional information :
Including type of work and monthly income
3. Contact details:
Data selected or filled in by the user from the address book, including the relationship to the contact, the contact's name, and the contact number.
4. Payment information:
Including payment account details provided by the user themselves and the account details used for payment.
5. Document information (where applicable):
A valid government-issued photo ID that verifies the user's identity.
6. Facial information (where applicable):
User's personal selfie
The above shared information is an essential basis for the review of your loan application. This information will be stored securely on our server and will not be shared with third parties. You can also choose to delete your personal user data. Your facial information will be encrypted and sent to https://www.ayaapp.online. After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.
B. Data collected from devices
1. SMS
What information do we collect?
a. After obtaining your authorization for SMS access, we only collect financial-related data from SMS messages.(This data includes: SMS message content, sender, recipient, and time of sending and receiving.)
b. We use keyword filtering and sent to https://www.ayaapp.online. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.
c. Jojo credit will not read and collect your SMS data when the app is closed or not in use.
Why do we request your device's SMS data?
We analyze financial data in user SMS messages to assess their debt, financial status, and financial activities, thereby assessing their credit and financial status. This serves as a crucial source of information for our anti-fraud and credit assessment efforts.
Data security
a.SMS data of users is filtered by keywords, and we only collect data related to financial activities. We do not collect private information.
b. We will fully disclose and declare SMS data to users before collecting SMS data, and we will collect SMS data only after users have authorized SMS permissions
c. Your SMS data will be encrypted and sent to https://www.ayaapp.online . After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.
2. DEVICE INFORMATION
Jojo credit requires access to mobile phones nationwide to ensure that no unauthorized devices are operating under your name to prevent fraud. We will collect and track specific information about your device, including your phone model, operating system version, screen size, device language, RAM size, and storage capacity. In addition, we will collect unique identifiers for your device, such as the serial number and SSAID. We will also collect WIFI information, including WIFI status and mobile network information to ensure device identification. This information helps us improve your credit profile and assess your eligibility for a loan.
3. CONNECTED NETWORK APP INFOMATION
What data we will collect
We will collect information about network-connected applications on user devices, including a list of applications that obtain INTERNET permissions, a list of applications that obtain ACCESS_NETWORK_STATE permissions, and the names, package names, versions, and other information of the applications in the list.
Why we request ?
We collect information about apps that obtain specific permissions on user devices. This information is intended to help us identify apps that are used to damage applications and potentially for anonymization and fraud, using the principle of least privilege. (For example, Fake GPS: fake location Super Clone: cloning software)
Data safety
a. We use the official and secure PackageManager API interface provided by Android and only used to identify third-party, non-system apps on the device that have been granted specific permissions (INTERNET, ACCESS_NETWORK_STATE). This feature is used for risk management and device environment assessment and does not involve user privacy or behavioral analysis.
b. The retrieved app list data will be GZIP compressed (using the gzipString() method) and encrypted for transmission to https://www.ayaapp.online and ensure data security.
c. Jojo credit will never share your data with any third party. Data collection will only occur with your consent.
4. CAMERA
When you verify your identity, we will ask you to take a selfie using your device's camera. We will upload your selfie to our server for identity verification.
We will only ask you to take a selfie using the camera when verifying your identity. We will also only upload the selfie you have verified to our https://www.ayaapp.online server after encryption. Your data will be protected and kept confidential.
5.STORAGE
Access to your device storage requires your permission, which will allow you to upload images and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server ( https://www.ayaapp.online ) via the HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
6.CONTACTS IN YOUR ADDRESS BOOK
We collect the contacts you select from your phone book, including the contact name and phone number. The information above will help you select emergency contacts in your loan application and allow us to contact them when necessary to prevent fraud and monitor debt collection. This will enable us to better assess your credit situation and manage our identity risks and loan portfolio management. We will upload your contact information to the Jojo credit server ( https://www.ayaapp.online ), and your data will be protected and kept strictly confidential.
7.PHOTO ALBUM
We will collect the photos you select in a photo album, which will help you select matching ID photos to upload in your loan application. This will enable us to better assess your credit risk profile. We will upload your contact information to the Jojo credit server ( https://www.ayaapp.online ), and your data will be protected and kept strictly confidential.
C. Collection of user behavior data
We only collect service-related interactions (clicks, browsing, app launches/closes) to improve performance and security. The data is anonymized, encrypted, and not sold/shared with third parties.
For the best experience, when you use our Service, we may require you to provide us with certain information that may identify you. We will store and use the information we request as described in this privacy policy.
The app does not use third-party services that can collect information used to identify you.
Link to the privacy policy of other service providers used by the app
Use of Advertising ID
Usage . The advertising ID must be used only for advertising and user analytics. The setting status is "Opt out of Interest-Based Advertising" or "Opt out of Ad Preferences" in each access to the ID.
Linked to personally identifiable information or other identifiers . The advertiser ID must not be linked to personally identifiable information or linked to any persistent device identifier without the user's explicit consent.
Respecting user choices . If reset, the new advertising ID must not be linked to the original advertising ID or data derived from the original advertising ID without the user's explicit consent. You must also comply with the user's "Opt Out of Interest-Based Ads" or "Opt Out of Ads Preferences" settings. If the user has this setting enabled, you may not use the advertising ID to create a user profile for advertising purposes or to target users with personalized advertising. Permitted activities include contextual advertising, retargeting, conversion tracking, reporting and security and fraud detection.
Transparency to users . The collection and use of advertising ID and commitment to these terms must be disclosed to users in a legally sufficient privacy notice.
Types of Data Collected
Usage Data
We may also collect information that your browser sends whenever you visit our Service or when you access the Service via or through a mobile device (“Usage Data”).
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Services that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other analytical data.
When you access the Services through or via a mobile device, this Usage Data may include information such as the type of mobile device you are using, your mobile device's unique identifier, your mobile device's IP address, your mobile operating system, the type of mobile web browser you are using, unique device identifiers and other diagnostic data.
Tracking Data and Cookies
We use cookies and similar tracking technologies to track activity on our Service and retain certain information.
Cookies are files containing a small amount of data that may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies used include beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service.
Examples of Cookies we use:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
Data Usage
Jojo credit Apps uses the collected data for various purposes:
To simplify our Service;
To provide Services on our behalf;
To perform service-related services; or
To assist us in analyzing how our Service is being used.
Data Disclosure
Legal Requirements
Jojo credit may disclose your Personal Data in the good faith belief that such action is necessary to:
Compliance with legal obligations
Jojo credit Programs
To prevent or investigate possible errors in connection with the Services
To protect the personal safety of users of the Service or the public
To protect against legal liability
Data Security
The security of your data is important to us, but please note that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Service Providers
We may employ third-party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform services related to the Service or help us analyze how our Service is used.
These third parties may access your Personal Data only to perform these functions on our behalf and are obligated not to disclose or use it for any other purpose.
Analysis
We may use third-party Service Providers to track and analyze the use of our Service.
Links to Other Websites
Our Service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third-party website. We strongly advise you to review the Privacy Policy of each website you visit.
We have no control over and are not responsible for the content, privacy policies or practices of third-party websites or services.
Children's Privacy
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personal information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
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.
You are advised to review this Privacy Policy regularly for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
HOW CAN YOU CONTACT US ABOUT THIS ANNOUNCEMENT?
Company Name: MADA FIN LIMITED
Phone :+255 0681130618
Email : Jojocredittzservice@outlook.com
Address : VCW5+CQ, Kisuke, Tanzania