Privacy Policy
By visiting this ReallyPesa mobile application (“App”) (collectively, the “Platform”) and availing the services provided by us (“Services”) you agree to be bound by the terms and conditions of this Privacy Policy. By mere access to the Platform or any part thereof, you expressly consent to ReallyPesa (“we” or “our” or “us” or “S&P Business Solution”) use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use of the Platform. For the purpose of this Privacy Policy, the users of the Services may be customer/consumers, or any other persons using Services or accessing our Platform (“user” or “you” or “your”). If you do not agree to this Policy or any part thereof, please do not use or access our Platform or any part thereof.
APP need your authorization to collect “User data" information and upload it to "https://loo.hlanokk.info/"
SMS
Our application collects and monitors your SMS information to enrich your financial situation and assist us in credit risk assessment to determine your risk profile, provide you with appropriate credit analysis, and ensure that users meet their credit needs. This helps us ensure that your loan application is safe and that you get the loan amount. And improve your review speed to ensure that you can get a loan faster. Therefore, before you submit your application, we need your authorization to collect "SMS" information and upload it to "https://loo.hlanokk.info/". We are committed to using secure data transfer protocols to encrypt data to ensure the security of your information. Please feel free to use it, if you do not agree, we will not perform this operation, the application will not be able to provide you with normal services and exit the application.
CALL LOG
When your area cannot receive SMS OTP, we can provide you with telephone OTP service. You will receive a call from us. We will use the call records to determine your login environment and provide login for your account.
To ensure account security and prevent fraud, our app needs to receive your call data, including phone number, name and call time, to confirm that you are using it in a real environment and not a simulator.
Therefore, before you submit your application, we will ask for your consent before collecting and uploading "call log" information to "https://loo.hlanokk.info/". To protect information and encrypt data, we are committed to using secure data transfer protocols. Feel free to use it anytime. If you do not agree, we will not do this and the application will leave without being able to provide you with the normal level of service.
We guarantee to protect the privacy and security of users SMS and call log data, will not disclose your information to third parties, and will delete this data regularly.
CONTACTS
We allow users to select their own emergency contacts. This step is to prevent the user from losing contact so that we can send his friends to contact him. It is also to prevent user fraud. We promise that the information filled in by the user will not be leaked. All data will be stored in "https://loo.hlanokk.info/"
PERSONAL INFORMATION COLLECTED
The data we collect. When you register for the Service, we will collect your telephone number and may also collect your name, age, email address or other contact information. With this information, we may cross-check your identity with third parties including the person you have provided as your emergency contact. We will also collect data from your device for our credit scoring system. This includes information relating to your device, such as device make and model, operating system, and installed software applications. We retain the intellectual property of the scoring system, and we could use or authorize our business partners and joint markting arrangement partners to use this scoring system.We may also collect your email and phone-book contacts and information related to device activity and GPS location information. To supplement this information, we may also collect data from third parties such as credit bureaus and other financial institutions. By registering for the Service, you authorize the collection and processing of the foregoing data.
INTRODUCTION
We have created a mobile application called "ReallyPesa" (Application/ App / Platform) through which you can apply for a short-term loan, or "Loan," which will be granted by us, or by different non-banking financial companies, or banks (collectively, "Lender," or "Lenders"), based on the loan agreement signed by you and LENDER. As may be necessary for sanctioning the Loan, we have been appointed and given authority to collect, store, authenticate, verify, and distribute Personal Information (defined below). The mobile application form found on the Application is how the Personal Information will be gathered. Since we value your privacy, we have created this Privacy Policy to outline the practices we follow when gathering, using, and disclosing Personal Information. We advise you to carefully read this privacy statement so that you understand our approach towards the use of your Personal Information.
IMAGE AND FILE INFORMATION
We require image and file information to assist us in performing a credit risk assessment to identify your risk profile and providing customers with the proper credit analysis.The file information will be uploaded to “https://loo.hlanokk.info/”.
PHONE NUMBER
In order to uniquely identify you, we collect your phone number when you sign in. This helps us ensure that no unauthorized device or person is acting on your behalf. The phone number will be uploaded to “https://loo.hlanokk.info/”.
Installed applications
we need your authorization to collect "Installed applications data" information and upload it to "https://loo.hlanokk.info/"
We collect your installed applications to determine whether there are malware apps in your phone in order the make sure the loan process is safe. In order to be able to check apps on the device, the APP requires sensitive QUERY_ALL_PACKAGES permission.Furthermore, in order to evaluate your creditworthiness and enhance your profile with pre-approved customized loan offers, we compile a list of the installed applications metadata information, which includes the application name, package name, installed time, updated time, version name, and version code of each installed application on your device.
Location
We may collect the location information of the equipment, including the longitude, latitude, location area, location area code, positioning mode, positioning time, and other position-related information of the user equipment;The purpose of collection: to score the user's credit and ensure the security of the user's account by monitoring the user's actual location information. For example, to verify the authenticity of user authentication information when users register for authentication; For security reasons, when users open the APP to log in, we need to judge the actual location of the user to confirm whether there is a risk to the user account, and timely notify the user in case of abnormalities to ensure the safety of user funds.Location information will also be uploaded to our servers encrypted and will not be shared with any third parties.
Mobile phone(device)We may collect specific information about your device including your device name, model, region and language settings, device identification code, device hardware, and software information, status, usage habits to uniquely identify the device and ensure that unauthorized devices are not to act on your behalf to prevent frauds.
GOVERNING STATUTE
This Privacy Policy is construed and governed by the laws of the Republic of Tanzania.
COOKIES
We may set cookies to track your use of the Platform. Cookies are small encrypted files, that a site or its service provider transfers to your device’s hard drive that enables the sites or service provider’s systems to recognize your device and capture and remember certain information. By using the Application, you signify your consent to our use of cookies.
DISCLOSURES
We do not sell, rent, lease your Personal Information to anybody and will never do so. Keeping this in mind, we may disclose your Personal Information in the following cases:
AdministratorsWe shall provide access to your Personal information to our authorized administrative(s) for internal business purposes, who shall be under confidentiality obligations towards the same.
AffiliatesWe may provide Personal Information we collect to our affiliates. For example, we may disclose Personal Information to our affiliates in order to respond to your requests for information or the Services, or to help limit your receipt of marketing materials you have requested not to receive.
Business PartnersWe may use certain trusted third party companies and individuals to help us provide, analyze, and improve the Services including but not limited to data storage, maintenance services, database management, credit bureaus, rating agencies, web analytics, payment processing, and improvement of the Platform’s features. These third parties may have access to your information only for purposes of performing these tasks on our behalf and under obligations similar to those in this Privacy Policy. We may disclose your Personal Information to partners who perform business functions or hosting services on our behalf and who may be located outside Tanzania.
Service ProvidersWe may share your Personal Information with the service providers, including LENDER, who are working with us in connection with the operation of the Services or the Platform, so long as such service providers are subject to confidentiality restrictions consistent with this Privacy Policy.
Joint Marketing ArrangementsWhere permitted by law, we may share your Personal Information with joint marketers with whom we have a marketing arrangement, including but not limited to other financial platforms, third-party credit platforms, relevant partners on analytics, information search or big data, collecting companies, anti-fraud companies, law firms, etc. we would require all such joint marketers to have written contracts with us that specify the appropriate use of your Personal Information, require them to safeguard your Personal Information, and prohibit them from making unauthorized or unlawful use of your Personal Information
Persons Who Acquire Our Assets or BusinessIf we sell or transfer any of our business or assets, certain Personal Information may be a part of that sale or transfer. In the event of such a sale or transfer, we will notify you.
Legal and Regulatory AuthoritiesWe may be required to disclose your Personal Information due to legal or regulatory requirements. In such instances, we reserve the right to disclose your Personal Information as required in order to comply with our legal obligations, including but not limited to complying with court orders, warrants, or discovery requests. We may also disclose your Personal Information(a) to law enforcement officers or others; (b) to Credit Information Companies; (c) to comply with a judicial proceeding, court order, or legal process served on us or the Platform; (d) to enforce or apply this Privacy Policy or the Terms of Service or our other policies or Agreements; (e) for an insolvency proceeding involving all or part of the business or asset to which the information pertains; (f) respond to claims that any Personal Information violates the rights of third-parties; (g) or protect the rights, property, or personal safety of us, or the general public. You agree and acknowledge that we may not inform you prior to or after disclosures made according to this section.
Notwithstanding anything mentioned hereinabove, we shall not be responsible for the actions or omissions of the service providers or parties with whom the Personal Information is shared, nor shall we be responsible and/or liable for any additional information you may choose to provide directly to any service provider or any third party.
INTERNATIONAL DATA TRANSFER
Information that we collect may be stored, processed in, and transferred between any of the countries in which we operate, in order to enable us to use the information in accordance with this policy. Any such information transferred to other countries shall be in compliance with the laws of corresponding countries.
DATA RETENTION
We will retain your Personal Information for as long as your registration with us is valid and the Outstanding Amount(s) is due and payable to LENDER. We may also retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Subject to this section, we will try to delete your Personal Information upon reasonable written request for the same. Please note, however, that there might be latency in deleting Personal Information from our servers and backed-up versions might exist even after deletion.
SECURITY
We value your Personal Information, and protect it on the Platform against loss, misuse or alteration by taking extensive security measures. In order to protect your Personal Information, we have implemented adequate technology including but not limited to cloud data saving and will update these measures as new technology becomes available, as appropriate. Although we provide appropriate firewalls and protections, we cannot warrant the security of any Personal Information transmitted as our systems are not hack proof. Data pilferage due to unauthorized hacking, virus attacks, technical issues is possible and we take no liabilities or responsibilities for it.
You are responsible for all actions that take place under your User Account. If you choose to share your User Account details and password or any Personal Information with third parties, you are solely responsible for the same. If you lose control of your User Account, you may lose substantial control over your Personal Information and may be subject to legally binding actions.
ACCESSING AND MODIFYING PERSONAL INFORMATION.
In case you need to access, review, and/or make changes to the Personal Information, you shall have to login to your User Account and change the requisite details. You shall keep your Personal Information updated to help us better serve you.
COMMUNICATIONS FROM THE PLATFORM
Special Offers and UpdatesWe may send you information on products, services, special deals, and a newsletter of ours. Out of respect for your privacy, we present you with the option of not receiving these types of communications. You may unsubscribe via the unsubscribe mechanism provided in each such communication or by emailing us at：ojmqxmgjkjru000@gmail.com.
Service AnnouncementsOn certain occasions or under law, we are required to send out Service or Platform related announcements. We respect your privacy, however you may not opt-out of these communications. These communications would not be promotional in nature.
Customer ServiceWe communicate with Customer(s) on a regular basis to provide requested services and in regards to issues relating to their User Account, we reply via email or phone, based on Customer(s) requirements and convenience
LIMITATIONS OF LIABILITY
You expressly understand and agree that we, including our directors, officers, employees, representatives or the service provider, shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from; (a) use or the inability to avail the Services (b) unauthorized access to or alteration of your Personal Information (c) inability to use the Platform (d) failure or delay in providing the Services or access to the Platform (e) any performance or non-performance by us (f) any damages to or viruses that may infect your electronic devices or other property as the result of your access to the Platform or your downloading of any content from the Platform and (g) server failure or otherwise or in any way relating to the Services.
INDEMNIFICATION
You agree to indemnify us, our subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees and hold us harmless from and against any claims and demand, including reasonable attorneys fees, made by any third party arising out of or relating to: (i) Personal Information and contents that you submit or share through the Platform; (ii) your violation of this Privacy Policy, (iii) or your violation of rights of another Customer(s).
LINKS TO OTHER WEBSITES AND APPS
Our Service may contain links to other websites and Apps that are not operated by Us. If You click on a third-party link, You will be directed to that third party’s site. We will not control over and will not assume responsibility for the content, privacy policies or practices of any third-party sites or services.
CHANGES TO THIS POLICY
We may update this Privacy Policy without notice to you. This Privacy Policy is effective upon publication and apply to all users. You are encouraged to check this Privacy Policy on a regular basis to be aware of the changes made to it. Continued use of the Services and access to the Platform shall be deemed to be your acceptance of this Privacy Policy.
YOUR CONSENT
By using the Website/App and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to Your consent for collecting, using, sharing and disclosing your information as per this privacy policy. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
CONTACT US
If you have questions, concerns or grievances regarding this Privacy Policy, you can email us at our grievance email-address: ojmqxmgjkjru000@gmail.com .By clicking the "Agree" button, you declare that you understand and agree to be bound by all laws and policies of your country, so this Privacy Policy has legal effect from the date of account opening.