SERA YA FARAGHA

Inaanza Kutumika Tarehe 15 Agosti 2022

1.Kifungu cha Kwanza

PesaFlow inatambua kwamba usiri wa taarifa ni muhimu kwako. Tumeunda sera hii ya faragha ("Sera ya Faragha") ili kuonyesha dhamira yetu ya kulinda usiri wa taarifa zako. Sera hii ya Faragha inaelezea mbinu zetu za kukusanya na kushiriki taarifa na inaanza kutumika tarehe 15 Agosti 2022.

2.Idhini

Kwa kutumia programu yetu na tovuti yetu au kwa kutupatia Taarifa zako za Kibinafsi, utachukuliwa kuwa umetoa ruhusa yako kwa ukusanyaji, matumizi, na uchakataji wa Taarifa zako za Kibinafsi, na umekubali sera na taratibu zilizoelezwa katika Ilani hii ya Faragha. Ikiwa huruhusu ukusanyaji, matumizi, na uchakataji wa Taarifa zako za Kibinafsi, tafadhali jiepushe na kutumia programu yetu na tovuti yetu, au wasiliana nasi kwa masuala yoyote yanayohusiana na faragha.

3.Ukusanyaji wa Taarifa

Sehemu hii inaelezea makundi ya taarifa tunazokusanya na jinsi tunavyotumia taarifa hizo. Tunakusanya makundi yafuatayo ya taarifa (kwa pamoja, "Taarifa"):

a. Taarifa za Maombi ya Mkopo

Programu yetu inakusaidia kuanzisha na kukamilisha maombi ya mkopo. Ili kupitia kila ombi, tunakusanya taarifa muhimu ("Taarifa za Maombi ya Mkopo") kwa ajili ya kutathmini uwezo wako wa kulipa. Taarifa hizi zinajumuisha, lakini hazipungui kwenye, jina lako, jinsia, hali ya ndoa, maelezo ya kipato, namba ya simu, anuani ya makazi, taarifa za utambulisho (kama vile namba ya kitambulisho au pasipoti), na taarifa za kifedha.

Taarifa hizi hutumika kutathmini, kuidhinisha, na kusimamia mikopo, pamoja na kusaidia washirika wetu wa kifedha kukamilisha mchakato wa idhini ya mkopo.

Ukusanyaji, matumizi, na ufichuzi wa Taarifa za Maombi ya Mkopo utafanyika kwa kufuata kikamilifu Sera hii ya Faragha na sheria na kanuni zinazotumika.

b.Ruhusa Tunazokusanya:

Ruhusa ya Kamera:

Tunatumia programu chaguo-msingi ya kamera ya kifaa chako kwa kutumia mfumo wa ACTION_IMAGE_CAPTURE kwa ajili ya kugundua uhai (liveness detection) na kuthibitisha utambulisho wako (KYC). Katika mchakato huu, tunachukua picha ya uso wako (selfie) tu ili kuthibitisha kwamba akaunti yako inatumika na wewe mwenyewe. Picha itasimbwa (encrypted) kabla ya kupakiwa kwenye seva zetu na itafutwa mara moja baada ya uthibitisho kukamilika.

Ruhusa hii ni ya hiari kabisa. Ikiwa huchagui kutoa ruhusa hii, mbinu mbadala za uthibitisho zinaweza kupatikana, lakini vipengele fulani vinaweza kuzuiwa.

Ruhusa ya SMS:

Tunaomba ruhusa ya kufikia ujumbe wako wa SMS kwa madhumuni ya kutambua miamala inayohusiana na fedha pekee. Mfumo wetu huchuja ujumbe kwenye kifaa chako kwa kutumia maneno muhimu ya kifedha na vitambulisho vya mtumaji (Sender ID). Kutoka kwa ujumbe uliochujwa, tunakusanya Sender ID, maudhui ya ujumbe, na muda wa kutuma ujumbe. Taarifa hizi husimbwa na kutumwa kwa usalama kwa ajili ya uchambuzi wa tathmini ya mikopo. Hatusomi wala hatukusanyi ujumbe wa kibinafsi au usiohusiana na fedha, na data yako haitashirikiwa na mtu wa tatu yeyote. Ukikataa ruhusa hii, inaweza kuathiri usahihi wa tathmini yako ya mkopo.

Ruhusa ya Mahali:

Ili kuzuia shughuli za ulaghai, tunahitaji ruhusa ya kufikia taarifa zako za mahali ili kuthibitisha kwamba uko ndani ya nchi zinazoungwa mkono na huduma yetu. Tunakusanya tu anwani yako ya IP na hatufuatilii eneo lako la GPS. Anwani yako ya IP itasimbwa kabla ya kupakiwa kwenye seva zetu na itatumika tu kwa madhumuni ya uthibitisho. Taarifa hizi hazitashirikiwa na wahusika wengine.

Unaweza kutazama au kufuta ruhusa zozote ulizozitoa wakati wowote kupitia mipangilio ya kifaa chako. Kuchagua kutotoa ruhusa fulani kunaweza kusababisha utendaji mdogo wa vipengele fulani lakini haitaathiri upatikanaji wako wa huduma za msingi.

Kifaa：

Tunakusanya maelezo, ikiwa ni pamoja na aina ya simu, toleo la mfumo, na saizi ya skrini, ili kuchambua na kuboresha utangamano wa bidhaa zetu kwenye vifaa tofauti. Aidha, maelezo haya yanatusaidia kulinda watumiaji dhidi ya ulaghai wa akaunti. Tunahifadhi data hii salama kwenye seva ya kibinafsi (https://mau.camptech.online) na hatuishiriki na wahusika wa tatu.

Orodha ya aplikesheni ulizopakua：

Tunahitaji kutambua na kukusanya orodha ya programu zilizowekwa kwenye kifaa chako ili kutathmini hali yako ya mikopo mingi. Kuelewa matumizi yako ya programu hutusaidia kutathmini hatari yako ya mkopo na kutoa huduma bora za kifedha.

Tutakusanya maelezo yafuatayo: jina la programu, tarehe ya usakinishaji, jina la kifurushi, namba ya toleo, muda wa masasisho, na msimbo wa toleo. Maelezo yote yaliyokusanywa yatapitishwa kwa usimbaji fiche wa hali ya juu na kupakiwa kwa usalama kwenye seva zetu kupitia itifaki ya HTTPS (https://mau.camptech.online). Data yako haitashirikiwa na mhusika yeyote wa tatu bila ruhusa yako.

4.Kushiriki Taarifa

Tunaweza kushiriki taarifa zako na wahusika wa tatu katika mazingira yafuatayo, tukizingatia kikamilifu sheria, kanuni za Tanzania, na Sera hii ya Faragha:

Kushiriki na Washirika wa Mikopo (Sharing with Lending Partners):

Ili kuwezesha maombi yako ya mkopo na mchakato wa idhini, tunaweza kushiriki taarifa zako za maombi ya mkopo (mfano: jina, namba ya kitambulisho, maelezo ya kipato) na washirika wetu wa mikopo. Washirika hawa wanaweza pia kushiriki taarifa zako na watoa huduma wanaosaidia programu zao za mikopo (mfano: kampuni za huduma za mkopo au mashirika ya ukusanyaji wa madeni). Washirika wote wanatakiwa kwa mkataba kulinda usalama wa taarifa zako.

Kushiriki na Watoa Huduma (Sharing with Service Providers):

Tunaweza kushirikiana na watoa huduma wa tatu ili kutoa huduma bora zaidi, kama vile hifadhi ya data, uchakataji wa mikopo, au msaada wa uuzaji (kwa mujibu wa sheria inavyoruhusu). Watoa huduma wote wanatakiwa kwa mkataba kuhakikisha usalama wa taarifa na hawawezi kutumia data hiyo nje ya madhumuni yaliyoelezwa katika Sera hii ya Faragha.

Kushiriki na Serikali au Mamlaka za Udhibiti (Sharing with Government or Regulatory Authorities):

Tunaweza kutoa taarifa zako kwa mamlaka husika ili kutimiza majukumu ya kisheria, kama vile kuzuia ulaghai, kutoa ripoti za kodi, au ukaguzi wa kufuata sheria, kama inavyotakiwa na sheria au ombi kutoka kwa mamlaka husika.

Kuzuia Ulaghai na Kulinda Haki (Fraud Prevention and Rights Protection):

Pale inapohitajika kulinda haki za kisheria za kampuni au watumiaji, au kushughulikia shughuli za ulaghai au uvunjaji wa sheria, tunaweza kushiriki taarifa zinazohitajika.

Takwimu Zisizotambulisha au Zilizojumlishwa (Anonymized or Aggregated Data):

Tunaweza kushiriki takwimu za kitakwimu au zilizofanywa kutokutambulisha mtu binafsi na washirika wa kibiashara au mashirika yanayohusiana kwa uchambuzi wa biashara na uboreshaji wa huduma.

Kushiriki na Majukwaa ya Uchambuzi na Matangazo ya Wahusika wa Tatu (Sharing with Third-Party Analytics and Advertising Platforms):

Tunaunganisha zana za wahusika wa tatu, kama vile Google Ads SDK na Appsflyer, ili kukusanya na kuchambua tabia za watumiaji ndani ya programu. Zana hizi hutusaidia kwa:

Ufuatiliaji wa Ufanisi wa Matangazo (Advertising Conversion Tracking):

Kukusanya data kuhusu jinsi watumiaji wanavyoshirikiana na matangazo na kupima ufanisi wa kampeni za masoko.
Google Ads SDK inaweza kukusanya vitambulisho vya kifaa vilivyofichwa (mfano: Advertising ID) kuboresha kulenga matangazo na utendaji wa kampeni.

Uchambuzi wa Tabia za Watumiaji (User Behavior Analysis):

Appsflyer hutusaidia kuelewa ushiriki wa watumiaji na mifumo ya mwingiliano ndani ya programu.

Data inayokusanywa inaweza kujumuisha aina ya kifaa, toleo la programu, muda wa kikao, na sehemu za mwingiliano. Taarifa hizi hutumika tu kwa uboreshaji wa programu na marekebisho ya mikakati ya masoko.

Ahadi ya Ulinzi wa Data (Data Protection Commitment):

Taarifa zote zinazoshirikiwa na wahusika hawa wa tatu zinapitia mchakato wa kutokutambulisha au kujumuishwa inapowezekana, kuhakikisha kuwa hakuna taarifa za kibinafsi (PII) zinazofichuliwa.
Wahusika hawa wa tatu wanatakiwa kwa mkataba kushughulikia data kwa usalama na kuitumia tu kwa madhumuni yaliyobainishwa.

Udhibiti wa Mtumiaji (User Control):

Unaweza kuchagua kutoshirikisha data kwa madhumuni ya matangazo na uchambuzi kwa:

Kurekebisha mipangilio ya kifaa chako ili kuweka upya au kuzima Advertising ID.

5. Kupata na Kusasisha Taarifa

Hatuwezi kwa sasa kutoa uwezo wa kusasisha taarifa mtandaoni. Unaweza kuwasiliana nasi kwa barua, kama ilivyoainishwa katika Sehemu ya 12 ya Sera hii ya Faragha, ili kusasisha Taarifa za Maombi ya Mkopo.

6. Viungo kwa Programu Nyingine

Programu hii ina viungo vya programu nyingine. Kwa kubofya viungo hivyo, utaondoka kwenye programu hii na kuingia kwenye programu nyingine. Utaratibu wa faragha wa programu hizo zilizounganishwa haujafunikwa na Sera hii ya Faragha, na PesaFlow haiwajibiki kwa taratibu za faragha, ukusanyaji wa data, usalama au maudhui ya programu nyingine hizo. Unapaswa kuchukua tahadhari kwa kupitia sera za faragha za programu zilizounganishwa kabla ya kuzitumia.

7. Usalama

Taarifa zote zilizokusanywa kwenye programu hii zinasimbwa wakati wa usafirishaji, kuhifadhiwa ndani ya hifadhidata salama, na kulindwa na vizuizi vya moto na vipengele vingine vya usalama. Hata hivyo, kama ilivyo kwa teknolojia za usimbaji za sasa, hakuna mfumo wa usalama usiovunjika. Hatuwezi kuhakikisha usalama wa hifadhidata zetu, wala hatuwezi kuhakikisha kwamba Taarifa unazotoa hazitatwaliwa wakati wa kusafirishwa kwetu kupitia mtandao.

8.LUGHA

Iwapo kuna kutofautiana kati ya toleo la Kiingereza la Sera hii ya Faragha na matoleo mengine ya lugha, toleo la Kiingereza litatawala.

9. HAKI

Tumejitolea kuhakikisha uwazi katika jinsi tunavyoshughulikia data zako na kuhakikisha unayo mamlaka kamili juu ya taarifa zako za kibinafsi. Unapoitumia huduma zetu, unayo haki zifuatazo:

Haki ya Kufikia Taarifa：Unayo haki ya kuomba kufikia taarifa zako za kibinafsi tunazohifadhi, ikiwa ni pamoja na aina za data, madhumuni ya matumizi, na kama zimegawanywa na wahusika wengine. Baada ya ombi lako, tutatoa nakala ya taarifa hizi.

Haki ya Kusahihisha Taarifa：Iwapo utaona kuwa taarifa za kibinafsi tunazohifadhi ni sahihi au hazijakamilika, unayo haki ya kuomba marekebisho au nyongeza. Tutasasisha data mara moja baada ya kuthibitisha ombi lako.

Haki ya Kufuta Taarifa：Katika hali fulani (mfano, ikiwa hutumii tena huduma zetu au unataka kuondoa idhini yako), unaweza kuomba kufutwa kwa taarifa zako za kibinafsi. Tafadhali kumbuka kuwa data fulani inaweza kuhitajika kuhifadhiwa kwa madhumuni ya kisheria au uzingatiaji wa kanuni.

Haki ya Kuzuia Uchakataji：Unaweza kuomba kwamba tuzuie uchakataji wa taarifa zako za kibinafsi. Kwa mfano, ikiwa una mashaka juu ya usahihi wa data au madhumuni ya uchakataji, unaweza kuomba kizuizi hadi suala hilo litakaposhughulikiwa.

Haki ya Kuhamisha Data：Pale inapofaa, unaweza kuomba kwamba taarifa zako za kibinafsi zihamishwe kwako au kwa mhusika wa tatu wa chaguo lako. Haki hii inahusu data iliyohifadhiwa kwa njia ya kielektroniki.

Haki ya Kuondoa Idhini：Unaweza kuondoa idhini yako ya sisi kuchakata taarifa zako za kibinafsi wakati wowote. Kuondoa idhini hakutaathiri uchakataji wowote uliofanyika kabla ya kuondolewa kwa idhini.

Haki ya Kutoa Malalamiko:Ikiwa unaamini kuwa hatujashughulikia taarifa zako za kibinafsi ipasavyo, unayo haki ya kutoa malalamiko kwa mamlaka husika ya ulinzi wa data.

Jinsi ya Kutekeleza Haki Zako:Ikiwa ungependa kutekeleza haki yoyote kati ya zilizoorodheshwa hapo juu au kujifunza zaidi kuhusu jinsi taarifa zako za kibinafsi zinavyoshughulikiwa, tafadhali wasiliana nasi kupitia:

Barua pepe: help@pesa-flow.com

Simu : +255768877765 & +255765986763

Tutashughulikia ombi lako haraka iwezekanavyo baada ya kuthibitisha utambulisho wako na kuhakikisha usalama wa data zako.

10.KUPUNGUZA WAJIBU

Hatutawajibika kwa hasara yoyote ya moja kwa moja, isiyo ya moja kwa moja, inayotokana, ya pekee, ya mfano, au ya adhabu inayotokana na:

Matumizi yako ya Programu au utegemezi wako kwenye Programu, au kutoweza kwako kufikia au kutumia Programu;
Miamala yoyote au uhusiano kati yako na mhusika mwingine yeyote, hata kama tumearifiwa juu ya uwezekano wa hasara hizo

11. MASWALI KUHUSU FARAGHA, UFAFANUZI NA MASHAKA

Kwa maswali, ufafanuzi, na masuala yoyote ya faragha, tafadhali wasiliana nasi kupitia:

Tovuti : https://www.pesa-flow.com

Barua pepe: help@pesa-flow.com

Effective as of 15 August 2022

1.General

PesaFlow understands that confidentiality of information is important to you. We have created this privacy policy (this "Privacy Policy") to demonstrate our commitment to keeping your information confidential. This Privacy Policy describes our information collection and sharing practices and is effective as of August 15, 2022.

2.CONSENT

By using our app and website or providing us your Personal Data, you will be treated as having given your permission for our collection, use, and processing of your Personal Data, and you have accepted the policies and practices described in this Privacy Notice. If you do not allow the collection, use, and processing of your Personal Data, kindly refrain from using our app and website, and/or contact us for any privacy-related concerns.

3.Collecting Information

This section describes the categories of information we collect and how we use that information. We collect the following categories of information (collectively, "Information"):

a. Loan Application Information

Our app helps you initiate and complete loan applications. To review each application, we collect necessary information ("Loan Application Information") to assess your creditworthiness. This information includes, but is not limited to, your name, gender, marital status, income details, phone number, residential address, identification details (such as ID number or passport number), and financial information. This data is used to evaluate, approve, and manage loans and to assist our partner lenders in completing the loan approval process.

The collection, use, and disclosure of Loan Application Information will strictly comply with this Privacy Policy and applicable laws and regulations.

b.Here is all permissions we collect:

Camera Permission:

We use the device's default camera application by invoking the system's ACTION_IMAGE_CAPTURE intent to perform liveness detection and identity verification (KYC). During this process, we only capture a selfie photo to verify that your account is being used by you. The captured photo will be encrypted before being uploaded to our servers and will be deleted immediately after the verification is complete. This permission is entirely optional. If you choose not to grant it, alternative verification methods may be available, but certain features might be limited.

SMS Permission:

We request access to your SMS messages solely to identify financial-related transactions. Our system filters messages locally on your device using financial keywords and sender IDs. From the filtered messages, we collect the Sender ID, message content, and timestamp. This information is encrypted and securely uploaded for credit risk analysis. We do not access or collect personal or unrelated SMS, and your data is never shared with third parties. Refusing this permission may reduce the accuracy of your credit assessment

Location Permission:

To prevent fraudulent activities, we require access to your location information to verify that you are within the supported countries of our service. We only collect your IP address and do not track GPS location. Your IP address will be encrypted before being uploaded to our servers and will only be used for verification purposes. This data will not be shared with any third parties.

You can view or revoke any granted permissions at any time via your device's settings. Choosing not to grant specific permissions may result in limited functionality for certain features but will not affect your access to the core services.

Device：

We collect information, including phone model, system version, and screen size, to analyze and optimize our product's compatibility across different devices. Additionally, this information helps us protect users from account fraud. We store this data securely on a private server (https://mau.camptech.online) and do not share it with third parties.

List of installed apps：

We need to identify and collect your list of installed applications to assess your multiple loan activities. Understanding your app usage helps us evaluate your credit risk and provide better financial services.

We will collect the following information: application name, installation date, package name, version number, update time, and version code. All collected information will be highly encrypted and securely uploaded to our servers via HTTPS protocol (https://mau.camptech.online). Your data will never be shared with any third party without your permission.

4. Sharing Information

We may share your information with third parties in the following circumstances, strictly adhering to Tanzanian laws, regulations, and this Privacy Policy:

Sharing with Lending Partners:To facilitate your loan application and approval process, we may share your loan application information (e.g., name, ID number, income details) with our lending partners. These partners may further share your information with service providers supporting their loan programs (e.g., loan servicing companies or collection agencies). All partners are contractually required to safeguard your information.

Sharing with Service Providers:We may collaborate with third-party service providers to deliver optimized services, such as data storage, loan processing, or marketing support (limited to what is permitted by law). All service providers are contractually obligated to ensure data security and may not use the data beyond the purposes outlined in this Privacy Policy.

Sharing with Government or Regulatory Authorities:We may provide your information to relevant authorities to fulfill legal obligations, such as fraud prevention, tax reporting, or compliance checks, as required by law or upon request from regulatory agencies.

Fraud Prevention and Rights Protection:When necessary to protect the legal rights of the company or users, or to address potential fraudulent activities or violations, we may share the required information.

Anonymized or Aggregated Data:We may share statistical or anonymized data that cannot identify you personally with business partners or affiliates for business analysis and service optimization.

Sharing with Third-Party Analytics and Advertising Platforms:

We integrate third-party tools, such as Google Ads SDK and Appsflyer, to collect and analyze user behavior within the app. These tools help us:

Advertising Conversion Tracking:Collect data on how users interact with advertisements and measure the effectiveness of marketing campaigns.

Google Ads SDK may collect anonymized device identifiers (e.g., Advertising ID) to improve ad targeting and campaign performance.

1.User Behavior Analysis:

Appsflyer helps us understand user engagement and interaction patterns within the app.
Data collected may include device type, app version, session duration, and interaction points. This information is used solely for app optimization and marketing strategy adjustments.

2.Data Protection Commitment:

All data shared with these third parties is anonymized or aggregated where possible, ensuring no personally identifiable information (PII) is disclosed.
These third parties are contractually obligated to process data securely and use it only for specified purposes.

3.User Control:

You can opt out of data collection for advertising and analytics purposes by:
Adjusting your device settings to reset or disable the Advertising ID.

5. Accessing and Updating Information

We do not currently provide the ability to update information online. You may contact us by mail, as provided in Section 12 of this Privacy Policy to update Loan Application Information.

6. Links to Other Apps

This app contains links to other apps. By clicking on such links, you will leave this app and enter the other apps. The privacy practices of such linked apps are not covered by this Privacy Policy, and PesaFlow is not responsible for the privacy practices, data collection, security or content of other apps. You should be careful to review any privacy policies posted on linked apps before using them.

7. Security

All Information gathered on this app is encrypted during transmission stored within secure databases and protected by firewalls and other security features. As effective as current encryption technology is, however, no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that Information which you supply will not be intercepted while being transmitted to us over the Internet.

8.LANGUAGE

If there is any inconsistency between the English version of this Privacy Policy and other language versions, the English version shall prevail.

9. RIGHT

We are committed to providing transparency in how we handle your data and ensuring that you have full control over your personal information. When using our services, you have the following rights:

Right to Access：You have the right to request access to the personal information we store about you, including the types of data, purposes of use, and whether it has been shared with third parties. Upon request, we will provide a copy of this information.

Right to Rectification：If you find that the personal information we hold is inaccurate or incomplete, you have the right to request correction or supplementation. We will promptly update the data after verifying your request.

Right to Erasure：In certain circumstances (e.g., if you no longer use our services or wish to withdraw consent), you may request the deletion of your personal information. Please note that some data may need to be retained for legal or compliance purposes.

Right to Restrict Processing：You can request that we limit the processing of your personal information. For example, if you have concerns about the accuracy of the data or the purposes for processing, you can request a restriction until the issue is resolved.

Right to Data Portability：Where applicable, you can request that we transfer your personal information to you or a third party of your choice. This right applies to data stored electronically.

Right to Withdraw Consent：You can withdraw your consent to our processing of your personal information at any time. This withdrawal will not affect any processing conducted prior to your withdrawal.

Right to Lodge a Complaint:If you believe that we have not handled your personal information properly, you have the right to file a complaint with the relevant data protection authority.

How to Exercise Your Rights:If you wish to exercise any of the rights listed above or learn more about how your personal information is handled, please contact us through:

Email: help@pesa-flow.com

Phone: +255768877765 & +255765986763

We will process your request as quickly as possible upon verifying your identity and ensuring the security of your data.

10.LIMITATION OF LIABILITY

We shall not be liable for any indirect, incidental, consequential, special, exemplary or punitive damages arising out of:

Your use of or reliance on the App or your inability to access or use the App; Any transaction or relationship between you and any other third party, even if we have been advised of the possibility of such damages.

We shall not be liable for delay or failure in performance resulting from causes beyond our reasonable control.

11. PRIVACY INQUIRIES, CLARIFICATIONS AND CONCERNS

For inquiries, clarifications and concerns, you may contact us:

Website: https://www.pesa-flow.com

Email: help@pesa-flow.com