Privacy Policy

YOUR PRIVACY IS SAFE WITH US.

This is the Privacy Policy for the “Wooden loan” mobile app (the “App”).

It outlines the app’s services and how it handles your information.

THE INFORMATION THE APP COLLECT

A.PHONE STATE

Phyma cash 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.

B. DATA SECURITY

All transactions are protected by 128-bit SSL encryption.the data will transfer and upload over a secure connection(https)to server:https://www.woodenloan.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 THE APP USES PERSONALLY IDENTIFIABLE INFORMATION

PII collected by the app is necessary in order to provide the loan connection service. Data submitted by the user is securely sent to the lender partners to streamline the loan application process.

PII may also be used in disagreement resolution and technical maintenance. App operators promise not to use PII in such a way that exceeds what is sufficient to deliver and maintain the service.

Using the app and providing PII constitutes consent from the user for their PII to be shared with verified lender partners in line with the appropriate laws. As well as loan applications, users consent for their PII to be used for related advertising and marketing purposes.

Neither the app nor its operators have direct access to the PII submitted by users, as this is encrypted by the app before being sent to the lender partners.

By using the app users consent to lender partners corresponding with them in relation to the processing and administering the loan request, subsequent loan offers, and subsequent loan agreements. This consent waives users’ rights to file any claim related to such correspondence with the FTC or any other agency.

SHARING PERSONALLY IDENTIFIABLE INFORMATION

Improving the loan service falls within the scope of delivering the loan service, and users, therefore, give their consent for PII to be used by lender partners for this purpose.

The app also has the right to share PII with other affiliates and assignees if it is deemed necessary in the maintenance and improvement of the app and service it provides.

The third parties have their own privacy policies describing the way they use and/or disclose personal information.

The app reserves the right to disclose PII to law enforcement or other government agencies as a response to a court order, subpoena, or similar investigative demand; as part of establishing or exercising its legal rights; to defend against legal claims, or if otherwise compelled by law.

PII may be also be shared if necessary, to investigate, prevent, or act in regard to illegal activity, suspected illegal activity, or other wrongdoing; and to otherwise protect and defend the rights, property, or safety of the app’s operator, staff, users, or others; or to enforce the Terms and Conditions or other agreements or policies.

OPT-OUT

By using the app users are expressing the desire to opt-in to communications from the app and lender partners. Users may opt-out in writing if they receive any such communications. Opting out may disrupt the user’s ability to access the service and its features.

LINKS TO OTHER WEBSITES

The app functions by redirecting users to partner lender websites. It also reserves the right to link to lender partners and other third parties using standard web links.

All third-party pages are beyond the scope of this Privacy Policy and it is, therefore, the user’s responsibility to review any third party’s terms and privacy policy.

CHANGES

Information contained within the app, its features, policies, disclosures, disclaimers, and promotions, may be revised, modified, updated, and/or supplemented without prior warning at its sole and absolute discretion.

CHILDREN’S PRIVACY

You are not permitted to use this app if you are under the age of 18 or the age of majority in your jurisdiction. The app does not intentionally collect any information from anyone under the age of 18.

SECURITY

SSL encryption technology and other security measures are employed to safeguard user data from unauthorized access, use, and/or disclosure.

Company Name: ZAMARADI CAPITAL & CREDIT GROUP LTD

Company Address: POSTAL ADDRESS: P.O BOX 3683 ELDORET

COUNTY: NAIROBI,

DISTRICT: KASARANI DISTRICT ,

LOCALITY: ROYSAMBU

STREET: GALANA ROAD,

BUILDING: GALANA PLAZA

Mail: Woodenloan-personalloan@outlook.com

Telephone:+254 0797295302