Privacy Policy

Authority statement

Hey there,

We need particular permissions from you for the effective handling and approval of your loan application:

Applied Installatively

We compile information about the apps you have loaded on your smartphone including the program name, package identification, installation timestamp, update timestamp, version denomination, and then send and archive it both internally on our servers and outside via our supplier (https://provatuct.bwangu-credit.com/burutwh). The gathered data is used for credit evaluation and identification of fraudulent behavior. Its only use is building risk management models; we promise not to share this information to any other organizations or use it for profit.

Phone number

We handle, gather, and store your phone number for the following purposes:

Use or goal:

Your phone number is necessary for identification verification, loan request administration, and communication facilitation—a personal account on our platform. Once we have your phone number, we send an SMS registration verifying code. This code lets you finish the application-based registration process for a personal account. Your phone number is kept under protection in our safe surroundings and will not be shared to any outside entities.

Gathering and Safe Storage: Your registered phone number is acquired and safely kept in a fortified surroundings https://provatuct.bwangu-credit.com/burutwh.

Device Guidelines

Regarding security and anti-fraud policies, we will gather information about your mobile device including its make, model, region, language settings, and special IDs including IMEI and serial numbers. We will also note your installed apps to better understand your debt situation and to estimate your chances of loan repayment. This data will be safely delivered to server (https://provatuct.bwangu-credit.com/burutwh).

Data Integrity

Your data will stay private and be kept safely on server (https://provatuct.bwangu-credit.com/burutwh) not shared to any third parties.

Data Making Use

We compile particular data types to present to you our offerings. This information also helps with credit score development and identification verification to choose the loan paths open to you. We might also apply it for credit reporting and collection events.

Acquired Data

When you register for our service, we will compile your bank information and may ask for further information including your name, age, video, picture, media, and phone number. We will cross-reference your identify with outside databases including the emergency contact you supply. Additionally gathered are device-specific information, email and phone-book contacts, and third-party credit bureau and financial institution data. You agree to the collecting and processing of certain data categories by registering for our service.

Verification of Data Protection

We protect your gathered data by following strict criteria.

I appreciate your help.

Privacy Policy

YOU CONSENT TO Bwangu credit'S COLLECTION, STORAGE, USE, AND SHARING OF YOUR PERSONAL DATA TO THE EXTENT PERMITTED BY THIS PRIVACY POLICY AND APPLICABLE LAWS BY USING THE SERVICES. TO REVOKE THIS CONSENT, PLEASE EMAIL service.major@bwangu-credit.com.

1. OVERVIEW

About Us

We at Bwangu credit ("Bwangu credit", "we", "us", or "our") are committed to providing you with the highest quality of service possible. We have always been dedicated to safeguarding and respecting your privacy and personal information.

Reasons to Review this Privacy Statement

This policy outlines how we will handle any personal information that we collect from you or that you provide through the Bwangu credit applications (the "Apps"), the way you create and use your Bwangu credit account (your "Account"), and how you use our lending services (collectively, the Apps and your Account, the "Services," as further described in this privacy policy and our Terms of Use). Please read it thoroughly.

We highly recommend that you review the following information to understand our policies and procedures concerning your personal data and how we will use it.

See our Terms of Use for information on the general usage of the Services.

Reach Out to Us

You can contact us by sending an email to service.major@bwangu-credit.com or through the Apps if you have any questions regarding this policy or our privacy practices.

News and Updates

To ensure your personal data is processed as securely as possible, we closely monitor the provisions of this policy and our privacy policies.

2. DATA WE MAY OBTAIN FROM YOU

To make the Services available to you, we must collect, store, transmit, analyze, and process some of your personal data. The data we will collect and how it will be used are detailed in this section of the policy.

Some of the personal information we manage includes:

- When you register for an account, you may provide us with personal information.

We will ask if you want to include a pseudonym and other details in your profile during the account setup process.

While this information is not required to establish your Account, it will help us provide a more comprehensive understanding of you as a customer and enhance your overall experience with the Services.

- Personal information you include when establishing an account

You are required to provide your mobile number and display name to create an account. Your account cannot be fully accessed without these personal details.

- Marketing Preferences

Based on your consent and preferences, we may send you emails or other marketing communications. We may collect additional preferences from you based on your interactions with and responses to our marketing communications. You have the right to withdraw your consent at any time.

- Details Regarding Allegations or Inquiries

This personal information will be automatically added to your Account if you wish to contact us with inquiries, report a problem (such as an issue with the Apps), or submit a complaint about our services.

- Service Provider Data in Conjunction with Automated Decision-Making:

A third party assists with verification tests, as mentioned above. The verification process may generate personal information that will be transmitted to us. We and our partner conduct verification checks that include automated decision-making. Automated decision-making is the process of analyzing your personal data to assess any aspect of you, such as your identification. The automated decision-making process will not grant you an Account if your identity has not been accurately verified.

- Information Regarding Technical, Cookie, and Usage

We collect data on the frequency and usage of our services and/or applications, as well as other details about your usage. We do this to gain a deeper understanding of the Services and Apps' delivery mechanisms, as well as the factors that our users find appealing and objectionable. These data may include, if applicable, the internet protocol (IP) address you use to connect your device to the internet, your registration credentials, the types and versions of browser plug-ins, your operating system, and the platform.

- Device Details

We obtain details about the device you are using to access the Services and/or App, such as the type of hardware, the version of the application you are using, the mobile network, the list of applications on your device, the time zone setting, the SIM card, the IMEI, the name of the mobile operator, and the VPN.

3. OUR USE OF YOUR PERSONAL INFORMATION

This section explains how we use your personal information, the reasons behind it, and the legal grounds for doing so, in compliance with data protection laws. We only process your personal information when it is legally permitted.

3.1 To Provide the Website and Services

We handle your personal information to:

Verify your identity and set up your account.

Assess your creditworthiness and make credit decisions for operating the Services.

Link your account with other platforms or third-party accounts to enhance your account value.

Ensure the accessibility of applications.

We use the following legal bases to process your information for these purposes:

Our legitimate interest in marketing our services, operating and improving the Services and Apps, offering lending-related Services, and complying efficiently with all applicable laws and regulations.

The necessity to fulfill your requests and execute a contract with you prior to signing.

Compliance with legal obligations, including identity verification and related procedures.

3.2 To Fulfill Our Contractual Obligations

We process your personal information as required by the Terms of Use, which provide you with access to the Services. The legal basis for this processing is:

The necessity to perform actions you requested before entering into a contract with us and to carry out the contract as intended.

3.3 To Protect Our Services, Yourself, Your Account, and Your Funds

We handle your personal information to:

Identify and manage risks and combat fraud, ensuring the security of your personal information and funds, and complying with legal obligations regarding fraud and financial offenses.

Maintain security and safety on and off our services, and verify activities to ensure compliance with the law and our terms of use.

We use the following legal bases to process your information for these purposes:

Our legitimate interest in protecting your funds, your Account, our Services, our group companies, and necessary third parties from security-related threats.

The necessity to take actions you requested before executing a contract.

Compliance with legal obligations related to preventing financial offenses.

The necessity to protect the interests of you or another individual in the event of hazardous behavior.

3.4 To Communicate with You

We manage your personal information to:

Communicate with you about your account, including addressing inquiries or notifying you of potential fraudulent activity.

We use the following legal bases to process your information for these purposes:

Our legitimate interest in protecting your funds, your Account, our Services, our group companies, and relevant third parties.

The necessity to fulfill your requests and execute a contract with you.

Compliance with legal obligations, including identity verification and other forms of verification.

3.5 To Send You Promotional Communications

We manage your personal information to:

Send you promotional communications about supplementary services offered by us or our collaborative businesses.

We use the following legal bases to process your information for these purposes:

Your consent, if you have given it.

Our legitimate interests in promoting our services to you and other individuals.

3.6 To Improve, Enhance, and Modify Our Services and Applications

We handle your personal information to:

Investigate your use of the Services and Apps to gather additional information about your preferences.

Evaluate your behavior to ensure you don't miss opportunities or discounts, and contact you if you haven't completed a transaction or used the Apps in a while.

Address any inquiries you may have.

Improve and customize our services and applications.

We use the following legal bases to process your information for these purposes:

Our legitimate interest in providing Services and/or Apps related to lending, managing and enhancing the Services and/or Apps, marketing services to you and other individuals, and complying efficiently with applicable laws and regulations.

4. PERSONAL DATA DISCLOSURE

We may disclose your personal information under the following circumstances:

(1) With your consent.

(2) To other users of the Services to ensure both parties benefit from the Services we offer.

(3) By displaying your personal information on your public profile on the Apps, with your consent.

(4) To specific service providers, partners, or group organizations to assist in providing the Services, managing transactions, offering in-app services, and conducting verification checks.

(5) To specific service providers or group companies for reviewing and enhancing the Services.

(6) To comply with legal obligations or respond to law enforcement, regulatory agencies, and legitimate demands or legal proceedings.

(7) During a merger, acquisition, or restructuring, if a third party assumes responsibility for managing your personal data.

We store your transaction and account data in accordance with Zambian laws, finance company regulations, and consumer protection legislation. If legally required to transfer your personal data to another country, we will comply with applicable data privacy laws and ensure your personal information is protected to the same extent outside of your current country.

5. PRIVACY OF YOUR PERSONAL INFORMATION

We prioritize your privacy and implement robust measures to protect your data from accidental loss, damage, unauthorized use or access, alteration, or disclosure. Only authorized personnel, including agents, contractors, employees, volunteers, and approved third parties, have access to your data and are bound by confidentiality obligations, processing your information strictly according to our instructions.

We prioritize your privacy and implement robust measures to protect your data from accidental loss, damage, unauthorized use or access, alteration, or disclosure. Only authorized personnel, including agents, contractors, employees, volunteers, and approved third parties, have access to your data and are bound by confidentiality obligations, processing your information strictly according to our instructions.

6. HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION?

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including compliance with legal, regulatory, tax, accounting, or reporting obligations. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the data, the potential risk of harm from unauthorized use or disclosure, the purposes for processing, and any legal requirements.

Accordingly:

- Financial information will be kept for six years from your last transaction date or longer if required by applicable laws, such as anti-money laundering regulations.

- Personal and transactional data will be retained for up to six years after account closure before being permanently deleted.

Your data may be kept longer if there's a pending complaint or potential legal action related to our services.

7.YOUR RIGHTS

Depending on jurisdictional rules and certain conditions, you may have the following rights:

(1) Access your personal data to verify lawful processing and obtain a copy of the information we hold.

(2) Request corrections to any inaccurate or incomplete personal data.

(3) Request the deletion of your personal data if there’s no legitimate reason for its continued use, or if you've objected to processing, the data was processed unlawfully, or we must delete it to comply with local law.

(4) Object to processing your personal data if it's based on our or a third party's legitimate interests, or if used for direct marketing.

(5) Request restrictions on processing your personal data in specific circumstances.

(6) Request the transfer of your data to you or a third party in a structured, commonly used, machine-readable format.

(7) Withdraw your consent at any time if we are processing your data based on consent.

(8) Lodge a complaint with the relevant data protection authority. We encourage you to contact us first to resolve any issues.

To exercise your rights, use the contact information provided above. We may request specific information to verify your identity and ensure your right to access your data is protected. We aim to respond to all legitimate requests within one month, but complex or multiple requests may take longer, in which case we will keep you updated.

8. EXTERNAL LINKS TO THIRD PARTIES

Our website and services may include links to third-party websites, plug-ins, and applications. Clicking on these links or enabling these connections may allow third parties to collect or share data about you. We do not control these third-party services and are not responsible for their privacy practices. Please review the privacy policies of any third-party websites or applications you use.