YakoMkopo and its formally affiliated entities in Tanzania (hereinafter referred to as "YakoMkopo" or "we") are committed to maintaining and respecting your personal privacy.
This policy describes how we will handle any personal data collected from you or provided to us by you.
Please read the following content patiently to fully understand our attitude, processing methods and protection measures for your personal data. By clicking "Agree" and completing the authorization process, you indicate that you have read, understood and accepted all the terms of this policy. At the same time, you also agree that we will collect, use, store, process and disclose your personal data in accordance with the methods described in this policy.
I. Why collect personal data?
As an online financial service application, YakoMkopo needs to collect some personal data to assess your credit qualifications and ensure account security in order to provide you with loan services. If you refuse to provide personal data, it may affect your use of our services.
The information we collect includes:
SMS information
We will collect your SMS data, but only analyze those information directly related to financial transactions. Specifically, we will check the sender of the SMS, the transaction description and the amount as the basis for credit assessment. This information will help us build your financial and risk profile to provide you with more favorable loan terms. Please rest assured that we will not snoop, retain or share your personal SMS content. Only after you explicitly authorize, will we encrypt the SMS content and upload it to our server (https://android.yakomkopotznn.com ).
Call log permissions
When you choose to log in via voice verification code, the application may request to read some call log information (such as phone number and call type) to verify that the SIM card number on your device matches the number receiving the verification code. This mechanism helps prevent account theft, unauthorized access, and credit card fraud, thereby improving account security and protecting user privacy. All analysis and verification processes are completed locally on the device; only the encrypted verification results are uploaded to our server (https://android.yakomkopotznn.com). The actual call log data is not uploaded or stored on our server.
Device information
In order to ensure the security of transactions, we need to access your device information, including hardware details such as operating system, version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size, etc. This information will be used for device identification and prevention of fraud. Once you authorize, we will encrypt the device information and upload it to our server (https://android.yakomkopotznn.com ).
Location information
In order to confirm whether you are located in the coverage area of our loan service, we will access your approximate location information (through network positioning). This information will be used for service evaluation, and this information will be encrypted and uploaded to our server (https://android.yakomkopotznn.com ).
Installed application permissions
In order to detect whether your operating environment is safe, we will check your installed application list to identify potential fraudulent software and viruses. We will collect information such as software name, installation time, software package, version number, etc., and encrypt this information and upload it to our server (https://android.yakomkopotznn.com ).
Calendar permissions
We request access to your calendar information to set credit payment reminders and collect your event information to assist risk analysis, thereby speeding up the credit approval process. Your calendar information will be encrypted and transmitted to our server (https://android.yakomkopotznn.com ).
Contact Information
When applying for a loan, you will need to provide at least two contact details (mobile phone number and contact name) in case of emergency. This information will be entered manually by you and we will not access your contact list. We will encrypt these two contact details and upload them to our server (https://android.yakomkopotznn.com ). This information is for internal use only and will never be disclosed to third parties.
II. Purpose of use of personal data:
We may use personal data in the following scenarios:
(1) Provide and maintain services, including monitoring service usage and timely optimizing service experience.
(2) Account Management: Manage your service user registration information. The personal data you provide will enable you to access the various features of the service.
(3) Contract Performance: Enter into, comply with and perform other contracts with us for products, goods or services you purchase or related to the service.
(4) Contact You: Contact you by electronic communication methods such as email, phone, text message, etc. when necessary or reasonable, such as notifications of feature, product or contract service updates, or messages and communications from mobile applications. At the same time, push news, special offers and general information related to the purchased or inquired goods, services and activities to you (unless you choose not to receive).
III. Data Transfer and Storage:
Your personal information and installed application information may be collected by our third-party service providers and stored in the database of the designated service provider. In this process, financial regulations and data protection requirements will be strictly observed. This information is only used to meet your needs for the application or provide services. We will not disclose personally identifiable information to third parties unless it is required by law or regulatory requirements. We will take all necessary measures to ensure that your data is processed, stored and transmitted securely and in accordance with the provisions of this policy.
IV. Personal Information Security:
The security of your personal information is of great importance to us. We will do our best to protect your personal information from unauthorized access, collection, use or disclosure, as well as risks such as unlawful processing, accidental loss, damage or destruction. However, please note that information transmission over the Internet is not absolutely secure. Although we will do our best to protect your personal information, you should be aware that we cannot guarantee the integrity and accuracy of your personal information transmitted over the Internet, or prevent it from being intercepted, accessed, disclosed, altered or destroyed by unauthorized third parties. You are responsible for maintaining the confidentiality of your account information, not sharing passwords with others, and keeping your mobile devices secure.
V. Your Rights:
(1) We will use your data to compile statistics related to user groups or loan portfolios, and may disclose anonymous information to third parties for such purposes.
(2) If we plan to use your information for marketing purposes, we will notify you in advance. You have the right to prevent such use by notifying us within 10 days of receiving the notification that you do not want such information to be disclosed. You can also exercise this right at any time by contacting us at help@yakomkopotztz.com.
(3) You also have the right to request deletion of your data. If you choose to delete your personal data, all personal data we have collected through the App will be deleted and any analysis based on such personal data will be anonymized (unless we have a legal reason to retain the personal data). Processing may be restricted as required by law. To access your data in the App or request deletion of your data, please contact us by email at help@yakomkopotztz.com so that we can verify and process your request more quickly and reliably.
VI. Privacy Policy Changes:
We may update this Privacy Policy from time to time. Any changes will be notified by posting the updated policy in the App.
We collect data to provide you with services, verify your identity, and create a credit scoring model to determine loan amounts. At the same time, this data is also used for collection and credit purposes.
We will ensure that your data is strictly protected.
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VII. Contact Information:
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
Email: help@yakomkopotztz.com
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