Privacy policy

(last updated: April 40,2024)

The following Privacy Policy describes how we, HiCash and its Affiliates, collect, store, use, transfer, disclose and protect your Personal Information.

Please read the following carefully to understand our views and practices regarding your Personal Information and how we will treat it. By downloading the Application, you confirm that you have read, understood and accepted the terms and conditions of this Privacy Policy set out below. You also consent to the collection, use, storage, processing and disclosure of your Personal Information in the manner set forth in this Privacy Policy. This Privacy Policy along with our Terms and Conditions and any additional terms apply to your use of the Platform and Services.

1. EXPLANATION

Unless otherwise defined, all capitalized words used in the Privacy Policy shall have the same meaning as set forth in our Terms and Conditions (as applicable).

2. PERSONAL INFORMATION WE COLLECT

We collect certain Personal Information about you. The Personal Information we collect may be provided by you directly (for example, when you open an Account to use the Services through the App, or if you provide Personal Information to us) or by third parties, or collected automatically when you use the App. We may collect information in various forms and for various purposes (including purposes permitted under Applicable Law).

Information obtained from you or from your Mobile Device directly:

When you register and create an Account with us using the App, you must provide us with certain Personal Information, including your name, date of birth, gender, educational background, religion, photo, physical address, email address, occupation. information, marital status, emergency contact, your phone number, SIM card details, financial and credit details (including your Mobile Money Account details, and bank account details where applicable) and the Account ID and/or password you use. will use to access the App after registration.

When you use the Application, you must provide us with such necessary information as may be required by us in order for the Application to function. For example, when a payment is made through an electronic money facility within the App, you will provide us with information related to the payment, such as the type of payment card or mobile wallet account used, the name of the issuer of that payment card or mobile wallet account, the name of the account holder of that payment card or mobile wallet account, the number of that payment card or mobile wallet account, and the amount of money paid.

Information collected whenever you use the App or visit our Website:

Whenever you use the App or visit our Website, we may collect certain technical data about your use such as, internet protocol (IP) address, information such as previously viewed or subsequently viewed website pages, duration of each visit/session, identity of the internet device (ID), or media access control address, as well as information about the manufacturer, model and operating system of the device you use to access our Software or Website.

Whenever you use the App or visit our Website, certain information may also be collected on an automatic basis using cookies. Cookies are small software files stored on your computer or Mobile Device. We use cookies to track user activity to improve the user interface and experience. Most mobile devices and web browsers support the use of cookies; but you can adjust the settings on your mobile device or internet browser to reject some types of certain cookies or some specific cookies. Your Mobile Device and/or browser will also enable you to delete any previously stored cookies at any time. However, doing so may affect the functionality available on our App or Website.

Whenever you use the Application through your Mobile Device, we will track and collect information about your geographic location in real time. In some cases, you will be asked or required to enable the Global Positioning System (GPS) on your Mobile Device to enable us to provide you with a better experience using the Application.

At the same time, you will be required to provide technical information to us when you use the Application, including the type of Mobile Device you are using, a unique device identifier (for example, the IMEI number of your mobile device, the MAC address of your Device's wireless network interface, or the phone number used by your Mobile Device), mobile network information, your mobile operating system, the type of mobile browser you are using, time zone settings.

We collect information about your geographic location when the Application is running. We strive to stop the collection of your geographic location information while the App is in the background, but such information may still be inadvertently collected. You may choose to temporarily disable geolocation tracking information on your Mobile Device. However, this may affect the functionality available in the App.

Information collected from third parties:

Because of the nature of the Services we provide, we are required to work with a number of third parties (including Credit Reference Bureaus, Banks, Mobile Network Service Providers, collection agencies, our agents, vendors, suppliers, contractors, partners and any others who provide services to us, perform duties on our behalf, or those we partner with) and may receive information about you from them. In such cases, we will only collect your Personal Information for or in connection with the purposes for which the third party is involved or the purpose of our collaboration with the third party (as the case may be), provided that we have taken reasonable steps. to ensure that the third party would commit to us obtaining your consent for the disclosure of your Personal Information to us in accordance with the Privacy Policy and Applicable Law.

Information about third parties that you provide to us:

You may provide us with Personal Information relating to third parties (such as Personal Information relating to your spouse, family members, friends and emergency contacts). You will of course need his consent to do so–see Section 11 “Acknowledgment and Consent”, below, for more details.

3. USE OF PERSONAL INFORMATION COLLECTED BY US

We may use the Personal Information collected for any of the following purposes and for other purposes as permitted by Applicable Law:

a. We may use your Personal Information:

identify and register you as a user and manage, control or verify your Account and your credit terms as such;

enable or facilitate any checks as we may deem necessary prior to registering you as a user;

issuing Credit and collecting payments for your use of the Service;

building credit models and doing credit scores;

comply with Applicable Laws, regulations and laws, such as those relating to "know your customer" and anti-money laundering requirements;

to communicate with you and send you information related to the use of the Software;

notify you of any updates to the Software or changes to the Services (including interest rate, Service Fees, etc.) available;

process and respond to questions and comments received from you;

maintain, develop, test, improve and customize the Software to meet your needs and preferences as a user;

contact you by telephone using automated dialing or pre-recorded text message (SMS) calls (if applicable) as authorized for the purposes described in the Privacy Policy and Terms and Conditions;

collect and analyze user activity and demographic data including trends and usage of the Service available on the App;

And send you direct marketing communications and information on special offers or promotions.

b. We may also use your Personal Information more generally for the following purposes (although in each such case we will always act reasonably and will not use the Personal Information more than is necessary for the specific purpose):

perform business-related processes and tasks;

monitor use of the Software and manage, support and improve the efficiency, user experience and performance of the Software;

provide assistance in resolving any technical problems or operational problems with the Software;

providing anonymous statistical information and analytical data for the purposes of testing, research, analysis and product development;

prevent, detect and investigate any prohibited, illegal, unauthorized or fraudulent activities;

facilitate business asset transactions (which may include any merger, purchase or sale of assets) involving us and/or any of our Affiliates; and to enable us to comply with our obligations under any Relevant Law (including but not limited to responding to regulatory enquiries, investigations or orders) and to conduct audits, due diligence and investigations.

4. SHARING OF PERSONAL INFORMATION WE COLLECT

a. We may disclose or share with Partners and third parties your Personal Information for any of the following purposes and for other purposes as permitted by Applicable Law (although in each case we will always act in a reasonable manner and disclose or share further Personal Information. than is necessary for a particular purpose):

as required or authorized by Applicable Law (including but not limited to responding to regulatory inquiries, investigations or orders, or complying with statutory or statutory filing and reporting requirements), for the purposes specified in that Applicable Law;

where there is any kind of legal proceeding between you and us, or between you and another party, in relation to, or in connection with, the Services, for the purpose of such legal proceeding;

in connection with, or during the negotiation of, any merger, sale of corporate assets, consolidation or restructuring, financing or acquisition of all or part of our business with or within another company, for the purpose of such transaction (even if the transaction ultimately does not proceed );

where we share your Personal Information with third parties (including Credit Reference Bureaus, Banks, Mobile Network Service Providers, collection agencies, our agents, vendors, suppliers, contractors, partners and any others who provide services to us, acting on our behalf, or with whom we partner), for or in connection with the purposes for which third parties are involved or the purposes of our collaboration with third parties (as the case may be), which may include allowing third parties to launch or provide products. or services to you, or other operations including marketing, research, analysis and product development;

where we share Personal Information with Partners, we will do so only for the purposes of them helping us provide the Software or run our business (including, where you have subscribed to our email list, for direct marketing purposes), or for the purposes of their to carry out 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 they receive from us in accordance with this Privacy Policy and Applicable Law;

where we publish statistics related to the use of the Software and Services, where all information will be aggregated and anonymized; 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 investigate violations of our Terms and Conditions;

b. Where it is not necessary for Personal Information to be disclosed or shared with third parties to be associated with you, we will use reasonable efforts to eliminate ways that Personal Information may be associated with you as an individual before disclosing or sharing such information.

c. Other than as set forth in this Privacy Policy, we may disclose or share your Personal Information if we notify you in advance and we have obtained your consent to the disclosure or sharing.

5. TRANSFER OF PERSONAL INFORMATION TO

Your Personal Information may be transferred to, stored, used and processed in a jurisdiction other than your home country or otherwise in the country, state and city in which you are located while using any Service provided by us ("Alternate Country") HiCash companies under Our Group which are outside your country or Foreign Country and/or where our HiCash group servers and/or service providers and partners are outside your country or Foreign Country.

In such event, We will ensure that such Personal Information continues to be subject to a level of protection consistent with that required under Tanzanian Laws (and, in any event, in accordance with our commitments in this Privacy Policy).

You understand and therefore consent to the transfer of your Personal Information from your home country or Alternate Country as described herein.

6. HANDLING OF PERSONAL INFORMATION

Your Personal Information will be retained for as long as is necessary to fulfill the purposes for which it was collected, or for as long as such retention is required or authorized by Applicable Law. We will stop storing Personal Information, or remove the means by which the Personal Information can be associated with you as an individual, once it is reasonable to assume that the purpose for which the Personal Information was collected no longer serves. Storage of Personal Information and storage is no longer necessary for legal or business purposes.

7. ACCESS AND UPDATE/ CORRECTION OF PERSONAL INFORMATION

a. You can ask us to access and/or correct your Personal Information that we hold and control, by contacting us at the details provided below. In accordance with Applicable Law, we reserve the right to charge an administrative fee for such requests.

b. We have the right to refuse your request to access, or correct, some or all of your Personal Information that we have or control, if permitted or required under any Applicable Law. This may include situations where the Personal Information may contain references to third parties or where the request for access or request for correction is for reasons that we consider to be frivolous, irrelevant or offensive.

8. WHERE WE STORE YOUR PERSONAL INFORMATION

a. The Personal Information we collect from you may be stored, transferred to, or processed by third party service providers. We will use all reasonable efforts to ensure that such third-party service providers provide a level of protection that is comparable to our commitments under this Privacy Policy.

b. Your Personal Information may also be stored or processed outside of your country by employees working for us in other countries, or by our third party service providers, suppliers, contractors or Affiliates, to the extent permitted under Applicable Law. In such event, we will ensure that such Personal Information continues to be subject to a level of protection consistent with that required under the laws of your country (and, in any event, consistent with our commitments in this Privacy Policy).

9. SECURITY OF YOUR PERSONAL INFORMATION

The privacy of your Personal Information is very important to us. We will make all reasonable efforts to protect and protect your Personal Information from access, collection, use or disclosure by unauthorized persons and from illegal processing, accidental loss, damage and destruction or similar risks. Unfortunately, the transmission of information over the Internet is not completely secure. Although we will do our best to protect your Personal Information, you agree that we cannot guarantee the integrity and accuracy of any Personal Information that you transmit over the Internet, nor guarantee that such Personal Information will not be intercepted, accessed, disclosed, altered or altered. destroyed by unauthorized third parties, due to reasons beyond our control. You are responsible for keeping your Account information confidential and must not share your password with anyone and must maintain the security of the Mobile Device you use at all times.

10. CHANGES TO THIS PRIVACY POLICY

We may review and modify this Privacy Policy at our 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 modify this Privacy Policy, we will notify you of any such modification through a general notice posted on the App and/or Website, or otherwise to your email address set forth in your Account. You agree that it is your responsibility to review this Privacy Policy from time to time to obtain the latest information about our data processing and data protection practices, and that your continued use of the Software or Website, communications with us, or access to and use of the Services the following. any modification of this Privacy Policy will constitute your acceptance of the modification.

11. ACKNOWLEDGMENTS AND CONSENT

a. By accepting the Privacy Policy, you acknowledge that you have read and understood this Privacy Policy and agree to all of its terms. In particular, you agree and permit us to collect, use, disclose, store, transfer or otherwise process your Personal Information in accordance with this Privacy Policy.

b. In the event that you provide us with Personal Information relating to third parties (such as Personal Information relating to your spouse, family members, friends or emergency contacts), you represent and warrant that you have obtained the consent of such person, and therefore consent on behalf of. of such person, to collect, use, disclose and process his Personal Information by us.

c. You also agree and expressly authorize the use of contacting you by your emergency person who has agreed on it, to confirm your information or when we cannot contact you through another method or when we have not received your payment in relation to the Loan.

d. You may withdraw your consent to any or all collection, use or disclosure of your Personal Information at any time by giving us appropriate written notice using the contact information set forth below. You may also withdraw your consent for us to send you certain communications and information through any "opt-out" or "opt-out" facility contained in our messages to you. Depending on the nature and nature of the consent you withdraw, you must understand and agree that after such consent withdrawal, you may no longer use the Software or some of the Services. Withdrawal of your consent may result in termination of your Account or your contractual relationship with us, with all accrued rights and obligations fully reserved. Upon receipt of your notice of withdrawal of consent to any collection, use or disclosure of your Personal Information, we will inform you of the possible consequences of such withdrawal so that you may decide whether you really wish to withdraw consent.

12. MARKETING AND PROMOTIONAL MATERIALS

a. We may send you marketing and promotional communications by post, telephone, text message service (SMS), email, online messaging, or push notifications through the App to notify you of special offers, offers, or events offered or planned by us, our partners, sponsors, or advertisers, or provide updates to our App and/or the products and services offered therein.

b. You may opt out of receiving such marketing communications at any time by clicking on any "opt-out" facility embedded in the relevant message, or otherwise contacting us using the contact information provided below. Please note that if you opt out, we may still send you non-promotional messages, such as Loan payment or refund receipts, or information about your Account or the App.

13. LIMITATION OF LIABILITY

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

a. Your use of or reliance on the Software or your inability to access or use the Software; or

b. Any transaction or relationship between you and any third party, even if we have been advised of the possibility of such damages.

We shall not be liable for any delay or failure in performance due to causes beyond our reasonable control.

14. HOW TO CONTACT US

If you have any questions about this Privacy Policy or would like to access and/or make corrections to your Personal Information, please contact us at support@HiCash.biz