PRIVACY POLICY
This Privacy Policy delineates how "SOLUTIONS TECHNOLOGY SARL" and its Affiliates gather, store, utilize, transmit, divulge, and safeguard your Personal Information.
Please peruse this policy thoroughly to comprehend our perspectives and methodologies concerning your Personal Information and our handling of it. By installing the App, you acknowledge that you have read, grasped, and agreed to the provisions outlined in this Privacy Policy below. Furthermore, you grant your consent for the collection, use, storage, processing, and disclosure of your Personal Information as detailed in this Privacy Policy. This Privacy Policy, in conjunction with our Terms of Use and any supplementary terms, pertains to your utilization of the System and the Service.
1.DEFINITION
Unless otherwise defined, all capitalized terms used in this Privacy Policy shall have the same meanings ascribed to them in our Terms of Use (as applicable).
2.PERSONAL INFORMATION WHICH WE COLLECT
We collect certain Personal Information about you. This Personal Information may be provided by you directly, by third parties, or automatically when you use the App. We may collect information in various forms and for various purposes.
To better understand your identity and evaluate your credit qualifications, we need to access certain permissions and collect relevant information with your consent. Your information will be encrypted and securely transmitted to our server. We will not collect or share data with any third party without your consent.
A.SMS
We request SMS data from your device so that Zigi can analyze the flow of funds and detect and analyze potential fraud and risks. You can choose to decline this authorization, which will not prevent you from continuing to apply for funds through the app. Your SMS data will be encrypted and securely transmitted to https://www.soltechcam.top. After the analysis is completed, we will permanently delete the SMS data and will not share it with any third party. Please note that we will only upload SMS information related to financial activities, and will not capture other information. Your SMS data is read after you grant us the "READ_SMS" permission on your device, and Zigi will not read or collect your SMS data when the app is not in use or closed.
B.PHONE STATE
Zigi requires access to your phone's state to prevent unauthorized devices from performing actions on your behalf, thus safeguarding against fraud. We will collect and monitor specific information about your device, which includes your hardware model, build version, RAM size, storage, and unique identifiers like IMEI, serial number, and SSAID. Furthermore, we gather SIM details such as network operator, primary phone number (line1Number), roaming status, MNC and MCC codes, as well as WIFI information like MAC address, along with mobile network data, to uniquely identify your device. This information also helps in improving your credit profile and assessing your creditworthiness.
C.LIST APPLICATIONS
We request your device's APP list data to query for specific apps that align with our app's manifest declaration. These apps help us determine if your device has installed applications with related features such as fraud or cloning (e.g., fake location information, cloned email IDs, and contact information), allowing us to assess the authenticity of your information and make accurate judgments on your credit risk. You can choose to decline this authorization without impacting your ability to continue applying for advance salary on the APP. The data we will collect includes basic information such as the name, version number, and package name of the applications installed on your device. This limited app information will be securely collected and transmitted to our servers at https://www.soltechcam.top only if you grant us authorization, and we will not read or collect your data when the app is closed or not in use. We assure you that we will never share this data with any third party.
2.1Data Security
To evaluate your eligibility and expedite the funds disbursement process, we require certain permissions to access your SMS messages and location. Rest assured, you have the option to delete your account and personal information at any time by reaching out to our customer service center. We prioritize the security of your data and transactions, employing 128-bit SSL encryption to ensure all information is transmitted and stored securely. Your personal information will never be disclosed without your explicit consent.
3.THE USAGE OF PERSONAL INFORMATION WHICH WE COLLECT
We may use Personal Information collected for any of the following purposes as well as for such other purposes as are permitted by Applicable Law:
to identify you and to register you as a user and to administer, manage or verify your Account and your credit conditions as such;
to facilitate or enable any checks as we may in our discretion consider necessary before we register you as a user;
to disburse funds and collect payments for your use of 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 to send you information in connection with the use of the App;
to notify you of any updates to the App or changes to the Service (including interest rate, Transaction Fees, etc.) available;
to process and respond to enquire and feedback received from you;
to maintain, develop, test, enhance and personal the App to meet your needs and preferences as a user;
to contact you by telephone using auto-dialed or pre-record message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy and the Terms of Use;
to monitor and analyse user activities and demographic data including trends and usage of the Service available on the App; and
to send you direct marketing communications and information on special offers or promotions.
4.SHARING OF PERSONAL INFORMATION WHICH WE COLLECT
where required or authored by Applicable Law (including but not limited to responding to regulatory enquire, investigations or directives, or complying with statutory or regulatory filing and reporting requirements), for the purpose so specified in that Applicable Law;
where there is any form of legal proceeding between you and us, or between you and another party, in connection with, or relating to the Service, for the purposes of that legal proceeding;
in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing or acquisition of all or a portion of our business by or into another company, for the purposes of such a transaction (even if the transaction is eventually not proceeded with);
where we share your Personal Information with third parties (including Credit Reference Bureaus, Banks, Mobile Network Providers, collection agencies our agents, vendors, suppliers, contractors, partners and any others who provide services to us, perform functions on our behalf, or whom we collaborate with), for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), which may include allowing such third parties to introduce or offer products or services to you, or other conducting activities including marketing, research, analysis and product development;
where we share Personal Information with Affiliates, we will only do so for the purpose of them helping us to provide the App or to operate our business (including, where you have subscribed to our mailing list, for direct marketing purposes), or for the purpose of them conducting data processing on our behalf. For example, our Affiliate in another country may process and/or store your Personal Information on behalf of our group company in your country. All of our Affiliates are committed to processing the Personal Information that they receive from us in line with this Privacy Policy and Applicable Law;
where we publish statistics relating to the use of the App and the Service, in which case all information will be aggregated and made anonymous; and
when we believe in good faith that disclosure of your Personal Information is necessary to comply with Applicable Law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our Terms of Use.
5.WHERE WE STORE YOUR PERSONAL INFORMATION
The personal information we gather from you may be stored, transferred, or processed by third-party service providers. We make every reasonable effort to ensure that these third-party service providers adhere to a level of protection that mirrors our commitments outlined in this Privacy Policy.
Additionally, your personal information may be stored or processed outside your country by our staff working in different nations, or by our third-party service providers, suppliers, contractors, or affiliates, to the extent allowed by applicable laws. In such instances, we ensure that your personal information remains safeguarded to a level comparable to the legal requirements of your country (and, in all cases, consistent with our commitments in this Privacy Policy).
6.SECURITY OF YOUR PERSONAL INFORMATION
Confidentiality of your Personal Information is of utmost importance to us. We will use all reasonable efforts to protect and secure your Personal Information against access, collection, use or disclosure by authorized persons and against unlawful processing, accidental loss, destruction and damage or similar risks. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your Personal Information, you acknowledge that we cannot guarantee the integrity and accuracy of any Personal Information which you transmit over the Internet, nor guarantee that such Personal Information would not be intercepted, accessed, disclosed, altered or destroyed by unauthorized third parties, due to factors beyond our control. You are responsible for keeping your Account details confidential and you must not share your password with anyone and you must always maintain the security of the Mobile Device that you use.
7.YOUR RIGHTS UNDER DATA PROTECTION LAWS
You have rights under data protection laws in relation to your personal data. These include rights to:
Request us to correct your personal data：
This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request deletion of your personal data：
You have the right to request the deletion of your personal data from our systems if we do not have a legitimate reason to continue processing it. This right also applies if you have successfully objected to the processing of your personal data (as detailed below), if we are unlawfully processing your information, or if we are required by local law to delete your personal data.
Please be aware, however, that due to specific legal reasons, we may not always be able to fulfill your request for deletion. If such a situation arises, we will inform you accordingly when you make your request.
Object to processing of your personal data：
Where we are relying on a legitimate interest (or those of a third parties). You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request the transfer of your personal data to you or a third parties:
We will provide you or a third parties of your choice with your personal data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information for which you originally consented to our use or we use that information to contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent we may not be able to provide certain products or services to you. We will advise you if this is the case at such time when you withdraw your consent.
You can put your needs to us through our customer service email or online customer service, and we try to respond to all legitimate requests within one month. If your request is particularly complex or you have made multiple requests, it may sometimes take us more than a month. In this case, we will notify you and keep you informed.
8.CHANGES TO THIS PRIVACY POLICY
We may review and amend this Privacy Policy at our sole discretion from time to time, to ensure that it is consistent with our future developments, and/or changes in legal or regulatory requirements. If we decide to amend this Privacy Policy, we will notify you of any such amendments by means of a general notice published on the App and/or Website, or otherwise to your e-mail address set out in your Account. You agree that it is your responsibility to review this Privacy Policy regularly for the latest information on our data processing and data protection practices, and that your continued use of the App or Website, communications with us, or access to and use of the Service following any amendments to this Privacy Policy will constitute your acceptance to the amendments.
9.CHILDREN'S PRIVACY
These Services do not address anyone under the age of 18. We do not knowingly collect personally identifiable information from children under 18 years of age. In the case we discover that a child under 18 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do the necessary actions.
HOW TO CONTACT US
Company Name : SOLUTIONS TECHNOLOGY SARL
Telephone Number : +260 0774030625
Email : Zigizambiaservice@outlook.com
Address:PF5F+7M7, Unnamed Road, Monze, Zambia