PRIVACY POLICY
At Moji-online cash loan, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and disclose your personal information when you use our microfinance services.
PERSONAL INFORMATION WE COLLECT
We may collect the following types of personal information from you when you apply for a loan or use our microfinance services:
·Name, address, phone number, email address, and other contact information
·Date of birth, nationality, and other personal identification information
·Employment and income information
·Financial information, including credit history and credit scores
·Other information that you provide to us during the loan application process or when using our services
A.SMS
COLLECTION OF SMS DATA:
To offer you tailored loan services, we'll analyze the content of your SMS messages. This will help us understand your financial situation, including gambling habits, income, and debt.
You have the option to allow us to access your SMS data. This is entirely optional and won't affect your ability to use our app or services.
If you choose to authorize access, we'll only collect SMS data while you're actively using the app. Your information will be transmitted securely and stored on our server https://www.moji123.info. We guarantee that no third-party company or individual will have access to your private data.
B.PHONE STATE
Moji require phone state access so that we can ensure that no unauthorized device acts on your behalf to prevent frauds. we will collects and monitors specific information about your device including your hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, line1Number, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices. This also helps us in enriching your credit profile and assessing your credit worthiness.
C.APPLICATION LIST
Moji querying for specific apps that satisfy our app's manifest declaration on your device. These specific apps will help us to know if your device has apps installed with related features such as fraud or cloning (e.g. fake location information, cloned email id and contact information). So that we can judge the authenticity of your information and make a correct judgment on your credit risk. This limited app information will collects and transmits to Moji servers https://www.moji123.info. This data may be collected even when the app is closed or not in use. Moji will never share data to any third party. The collection will only be done if you agree to the authorization.
D.DATA SECURITY
All transactions are protected by 128-bit SSL encryption. The data will transfer and upload over a secure connection to server: https://www.moji123.info. We only disclose your data with the financial service providers, banks and our third party partners for facilitation of a loan or line of credit. We will share your information under a confidentiality agreement with the third parties, there will be no unauthorized disclosure of your information.
HOW WE USE YOUR PERSONAL INFORMATION
We use your personal information for the following purposes:
·To process your loan application and provide you with microfinance services
·To verify your identity and creditworthiness
·To communicate with you regarding your loan and our services
·To detect and prevent fraud, money laundering, and other illegal activities
·To comply with applicable laws and regulations
We may also use your personal information for marketing purposes, such as to send you promotional offers or other information about our products and services. You may opt-out of receiving marketing communications from us at any time by contacting us using the information provided below.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We may share your personal information with the following third parties:
·Credit bureaus, financial institutions, and other service providers that help us process your loan application and provide our services
·Regulators and law enforcement agencies as required by law or for the prevention of fraud or other illegal activities
We may also share your personal information with other third parties with your consent or as otherwise permitted by law.
PROTECTION OF YOUR PERSONAL INFORMATION
We take reasonable measures to protect the security and confidentiality of your personal information. We have implemented technical and organizational measures to prevent unauthorized access, use, or disclosure of your personal information.
YOUR RIGHTS AND CHOICES
You have the right to access, correct, or delete your personal information that we hold. You may also request that we restrict the processing of your personal information or transfer it to another organization.
If you wish to exercise any of these rights, or if you have any questions or concerns about our use of your personal information, please contact us using the information provided below.
CONTACT INFORMATION
If you have any questions or concerns about our Privacy Policy, please contact us at:
Email: Moji.23@yahoo.com
TEL: 0759482375
Address: Gokhale Rd, Jinja, Uganda
CHANGES TO OUR PRIVACY POLICY
We reserve the right to change this Privacy Policy at any time. We will notify you of any significant changes to our Privacy Policy by posting the revised policy on our website or by other means as required by law.