Kili Loan (the “Company” or “We”) respects our customers ("the Customer" or "You") and their privacy and is committed to protecting it through compliance with this policy (“Privacy Policy”). This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website or App and our practices for collecting, using, maintaining, protecting, and disclosing that information. This Privacy Policy and any amendments or variations thereto take effect on their date of publication.
By using the Kili Loan App, you can access our Services and apply for a consumer loan.
By clicking on the “Loan Registration” button above, the Customer acknowledges that they have read and agreed to all contents set forth in the Terms and Conditions and Privacy Policy.
General Terms
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 is a legal agreement between the Customer and the Company. Before using the products and services of the Company and/or the Company’s Partner on the website/application, the Customer acknowledges and confirms that they agree to comply with all the content stipulated in this Privacy Policy. When the Customer clicks on the “Loan Registration” button and/or continues to perform the steps of creating transactions and/or providing information to the Company, it is understood that the Customer has accepted to use the products and services of the Company and/or its Partners based on this Privacy Policy.
“Service” refers to any product or service that the Company and/or its Partner provides to the Customer through the website/application and maintaining the Application available on the Kili Loan site hosted by Google Play Store, or the Application Site, once the Customer has downloaded or streamed a copy of the Application onto their Device.
“Partner” refers to any partner of the Company from time to time having a relationship with the Company to provide products and services to the Customer through the website/application.
Commitment of the Customer
The Customer undertakes to read, understand, and agree to all content and terms specified in this Privacy Policy. Accordingly, the Customer agrees that the information provided when they log in, access, or use the website/application or any features, processes, or functions of the website/application will be collected, processed, transferred (including domestic and overseas), or stored as set forth in this policy.
To comply with the Company’s internal policies and Data Protection Laws, the Customer is aware that the Company and/or its Partner will only provide the Services to individuals who are eighteen (18) years of age or older, within the Republic of Tanzania. Therefore, the Customer undertakes that the information provided to the Company is correct, and the Customer meets the conditions to establish transactions with the Company and/or Company’s partner. The Customer is solely responsible for providing information in accordance with this Privacy Policy.
The Customer has the right to request the Company to suspend or permanently stop the collection, use, or transfer of all or some of the information collected from the Customer, even if the Customer previously agreed to allow the Company to collect, use, and transfer information, by contacting the Company’s Customer Service for instructions.
By downloading the Kili Loan App, the Customer consents to the collection and processing of their personal information for legitimate business purposes, including but not limited to determining the Customer’s credit score and providing a loan. The Customer certifies that all information provided is true and correct to the best of their knowledge, and any misrepresentation will be considered an act to defraud the Company and its partners. The Customer shall endeavor to promptly update their information to maintain accuracy and completeness at all times. 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 knowingly provided false, untrue, inaccurate, or incomplete information. The Customer authorizes Kili Loan to verify and investigate the above statements/information as required from the references provided and other reasonable sources. For this purpose, the Customer waives their rights to the confidentiality of client information and expressly consents to the processing of any personal information and records relating to the Customer that might be obtained from third parties, including government agencies, employers, credit bureaus, business associates, and other entities deemed proper by Kili Loan.
Personal Information We Collect
We collect Personal Information about you. This Personal Information may be provided directly by you (for example, when you open an account to use the Service via the App or provide Personal Information to us) or collected automatically when you use the App. We may collect information in various forms and for purposes permitted under Applicable Law.
Collection of Device Information
Purpose of Permission: We may collect some of your device information, such as hardware information (including the device's operating system, Android version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size, and other hardware information) and serial number to uniquely identify the device and ensure that unauthorized devices are not acting on your behalf to prevent fraud.
Type of Data Collected: We collect hardware information (including the operating system, Android version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size, and other hardware information) and serial number, and upload this information to our server (https://gfdsasdfds.com) with high-level protection.
Security of Data: We will upload the collected data to our server (https://gfdsasdfds.com) with high-level protection. We never share data with third parties without your permission.
Usage of Personal Information We Collect
We may use the Personal Information collected for any of the following purposes:
To identify you and register you as a user and to administer, manage, or verify your account and credit conditions.
To facilitate or enable any checks we consider necessary before registering you as a user.
To disburse loans and collect payments for using the Service.
To build credit models and perform credit scoring.
To comply with Applicable Law, regulations, and rules, such as those relating to “know-your-customer” and anti-money laundering requirements.
To communicate with you and send information in connection with the use of the App.
To notify you of any updates to the App or changes to the Service.
To process and respond to inquiries and feedback from you.
To maintain, develop, test, enhance, and personalize the App to meet your needs.
To monitor and analyze user activities and demographic data, including trends and usage of the Service available on the App.
To send direct marketing communications and information on special offers or promotions.
Sharing of Personal Information We Collect
By accepting this Privacy Policy, you acknowledge, understand, and agree that we may share the information collected from you:
Where required or authorized by Applicable Law.
Where there is any form of legal proceeding between you and us or another party in connection with the Service.
In connection with any merger, sale, consolidation, restructuring, financing, or acquisition of all or a portion of our business.
To our employees, officers, representatives, or professional advisers who need to know such information.
Where we share Personal Information with third parties for or in connection with the purposes for which such third parties are engaged.
Where we share Personal Information with Affiliates for the purpose of them helping us to provide the App or operate our business.
Where we publish statistics relating to the use of the App and the Service in an aggregated and anonymous form.
When we believe in good faith that disclosure is necessary to comply with Applicable Law or prevent harm or loss.
Storage of Personal Information
The Personal Information we collect may be stored at, transferred to, or processed by third-party service providers. We will use reasonable efforts to ensure that all such providers offer a level of protection comparable to our commitments under this Privacy Policy.
Security of Personal Information
Confidentiality of your Personal Information is important to us. We will use reasonable efforts to protect and secure your Personal Information against unauthorized access or disclosure. However, the transmission of information over the Internet is not completely secure, and you are responsible for maintaining the confidentiality of your Account details. You agree to notify us of any unauthorized access or breach of security. We shall not be liable for any loss or damage arising from any failure to maintain the secrecy of your password.
Data Retention
Kili Loan is obligated to retain certain records for a period of at least seven (7) years. We will retain relevant personal data associated with your account for a period of ten (10) years from the date of account closure. In some circumstances, such as when there is no outstanding credit balance, you can ask us to close your account and delete the associated personal data (subject to our retention obligations). In some cases, we may anonymize your information for legitimate purposes.
Your Rights Under Data Protection Laws
You have rights under data protection laws in relation to your personal data, including the right to request correction or deletion of your personal data, object to its processing, request the transfer of data, and withdraw consent. You may channel queries and concerns through our customer service email or online service.
External Links
Customers are responsible for protecting their account information and should not share it. Kili Loan is not responsible for information disclosed to websites or links not managed by us.
Update Privacy Policy
We may amend this Privacy Policy at any time, and changes take effect upon publication on our website/application. Continued use of the Services after amendments indicates agreement with the revised terms.
If you do not agree with the amendments, you have the right to terminate this agreement by providing a written notice seven (7) days in advance.