Asapkash

Asapkash Privacy Policy

Asapkash - FAST AND RELIABLE LOAN IN KENYA

The following Privacy Policy describes how we, 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 App, you confirm that you have read, understood and accept the terms of this Privacy Policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your Personal Information in the manner set out in this Privacy Policy. This Privacy Policy together with our Terms of Use and any additional terms applies to your use of the System and the Service.

This Privacy Policy includes the following matters:

1. Personal information which we collect

When you use our platform, whether it is our website or our application, we collect and store your information (personal information), which is provided by you from time to time by expressly seeking your permission in order to obtain the required information. Our primary goal in doing so is to provide you safe, efficient, smooth and customized experience and services. This allows us to provide services and features that meet your needs, and customize our platform to make your experience safer and easier, and to improve the services we provide. More importantly, we will collect personal information from you that we believe is necessary to achieve the above-mentioned purposes. In general, you can browse websites or apps without telling us who you are or revealing any personal information about you. However, when creating an account on the website or App, you must provide us with certain basic information required to provide customized services. The information we collect from you includes, among other things:Only after obtaining your additional explicit consent, we may collect some other personal information about you. For example, the transactional SMS information you store on the device may be collected to analyze your ability to repay; the phone number you add in the contacts application may be collected for risk control purposes; your location information ( IP address, longitude and latitude information) may be collected for anti-fraud purposes.

Without your authorization, we will never disclose your personal information to third parties. The personal information collected from you includes:

(1) Your name

(2) Email

(3) Gender

(4) Photos

(5) Mailing address

(6) Postal code

(7) Home address

(8) Educational background

(9) Mobile phone number

(10) Identity number, etc.

We will collect and upload a list of account information recorded by the Account Management Center on your device, such as your Gmail/Facebook/Email account name and account type. We will save this account information in our system database. We need this information to increase your understanding. When we need to contact you, this can provide more possibilities to help us contact you.

Where possible, we specify mandatory and optional fields. You can choose not to use specific services or functions on the "Platform" and thus choose not to provide your personal information.

When you create a free account with us, we also collect other identifiable information about you (your payment card details and transaction history on the platform). Although you can browse part of our platform without a registered member, some activities (such as obtaining a loan from a third-party lender on the platform) require registration, and you need to provide the above detailed information. The platform should clearly display the personal information it collects from you, and you can choose not to provide such personal information.

2. SMS

Monitoring and collection of SMS content: All SMS data will be encrypted by the application and uploaded to the server, but we will filter and delete personal privacy SMS data on the server. We collect text message content from your inbox, including sender number, sender name and text message content, these financial text message data also include your historical information, but we only use financial-related information, and after analyzing user loans Eligibility will be deleted from the server.

Purpose: To identify and analyze your multi-loan behavior and risks, to assess whether the loan can be processed by helping prevent fraudulent collections and monitoring transaction details and amounts for financial and non-personal text messages. It will be used to calculate eligibility and assess customer risk. Other text messages will not be evaluated. We analyze the user's text messages, verify and track the user's financial transactions in the background, and make the correct credit limit decision based on the user's consumption budget and payment ability. This helps us identify the various bank accounts you may have, cash flow patterns, descriptions, and transaction amounts that you as a user can help you process. We conduct credit risk assessments to determine your risk profile and provide you with appropriate credit analysis. Through this process.

SMS data storage: SMS data will be encrypted and uploaded to our membership server https://appapi.asapkash.co.ke/ via HTTPS protocol. At no point will we share this data with third parties.

3. Installed apps

Monitor and collect the content of installed applications: application name, application package name, application installation time.

Purpose: To identify and analyze their behavior and risk across multiple loans to assess whether the loan can be processed, help prevent fraud.

Data Storage: Installed app data will be encrypted and uploaded to our server https://appapi.asapkash.co.ke/ via HTTPS protocol. We will never share this data with third parties.

4. Camera

We need camera info permission to provide you with a convenient/smooth experience and to enable you to click on photos of your Identification Card and other necessary documents during the loan application process and upload the same application.

5.Image Information Collection

In order to verify your identity information, we require you to provide identification documents and other relevant information. To facilitate this process, we need to access your camera to scan and capture the necessary identification documents. We aim of preventing identity misuse and fraudulent activities, thereby ensuring the security and reliability of our platform.

By granting us permission to access your camera, you authorize us to record or photograph your identification documents. For regulatory and compliance purposes, these videos or images may be stored.

6. Location

We collect and upload location information from your device to reduce the risk associated with your account. We will store your location information in our system database.

7. Collect mobile phone numbers and email addresses

When you register with our APP, we collect your mobile number and email address to confirm your identity. This helps us ensure that no unauthorized devices or persons are acting on your behalf.

8. Definition

Unless otherwise defined, all capitalised terms used in this Privacy Policy shall have the same meanings ascribed to them in our Terms of Use (as applicable).

9. Collect other non-personal information

Whenever you use the App or visit our Website, certain information may also be collected on an automated basis using cookies. Cookies are small application files stored on your computer or Mobile Device. We use cookies to track user activity to enhance user interface and experience. Most Mobile Devices and internet browsers support the use of cookies; but you may adjust the settings on your mobile device or internet browser to reject several types of certain cookies or certain specific cookies. Your Mobile Device and/or browser would also enable to you to delete at any time whatever cookies have previously been stored. However, doing so may affect the functionalities available on the App or our Website.

10. Equipment information collection

The information collected by the application and how it is used depends on how you manage the privacy controls on your device. When you install the app, we will store the information we collect through a unique identifier bound to the device you use.

When you download and install the application, we will collect information from the device and explicitly ask you for permission to obtain the required information from the device. The information we collect from your device includes mobile network information such as unique ID (i.e. IMEI number), operating system information, SDK version information, and operator name. SIM serial number and SIM slot, your personal information, list of installed applications, Wi-Fi information. We collect information about your device to provide automatic updates and add-ons.

Security, so that your account will not be used on other people's devices. In addition, this information provides us with valuable feedback about your identity as the device owner and your device behavior, thereby allowing us to improve our services and provide you with an enhanced customized user experience.

11. Right to cancel account

We provide you with the right to cancel your account. If you wish to cancel your account, please follow the corresponding steps to cancel your account through "My-Settings-Cancel Account" or notify us by sending an email. If you want to cancel your account via email, the subject of the email should be "Cancel Account", and the email should indicate your name, mobile phone number, KTP and other information, and send the email to the customer service email. We will arrange a dedicated person to assist with account cancellation.

Please understand that after you submit the cancellation process, we may need to manually review your account cancellation to confirm whether you meet the account cancellation criteria. We will help you complete the account cancellation within 90 working days after sending your request. After you choose to cancel your account, we will delete or anonymize all relevant personal information in your account, unless otherwise provided by laws and regulations. After you log out, we will no longer be able to provide you with products or services that require your account login.

12. Personal information which we collect

When you use the App, you have to provide to us such relevant information as may reasonably be required by us in order for the App to work. For example, when a payment is made through the electronic money facility within the App, you will provide to us information relating 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 for that payment card or mobile wallet account, the number of that payment card or mobile wallet account, and the amount of money paid.

Whenever you use the App or visit our Website, we may collect certain technical data concerning your usage such as, internet protocol (IP) address, information as webpages previously or subsequently viewed, duration of every visit/session, the internet device identity (ID) or media access control address, and also information regarding the manufacturer, model and operating system of the device that you use to access the App or our Website.

Meanwhile, your will be required to provide technical information to us while using the App, including the type of Mobile Device you use.