Choice sasa loan is committed to protecting your privacy and maintaining transparency in how we collect, use, and secure your personal data in accordance with applicable local laws. To assess your eligibility and streamline the loan approval process, we request certain permissions to access specific information on your device. All information collected is stored securely and used solely for purposes related to our services. We will never share your data with third parties without your explicit consent.
We may send you optional push notifications, such as special offers, payment reminders, or important account updates. You can disable these alerts at any time without affecting the core functionality of the app.
To help verify your identity and prevent fraud, we require two emergency contacts. You may enter these contacts manually or select them from your address book. We will only access the contacts you explicitly provide; no other entries from your address book will be retrieved without your permission. All emergency-contact data is transmitted securely over HTTPS to our servers at: https://horizon.choicesasaloan.com/chosqqx/
Whenever you initiate a loan application or grant authorization, we collect certain device details to confirm your identity and guard against fraud. This information includes:
No device data is collected, uploaded, or processed unless you choose to apply for a loan. All gathered information is encrypted in transit and stored securely on our servers at: https://horizon.choicesasaloan.com/chosqqx/
Under law, we may ask you to provide certain personally identifiable information (PII) when using our services. Such information may include, but is not limited to:
We use this information to process your loan application and assess your creditworthiness.
Purpose of permissions:
As a core part of the application function, Choice Sasa Loan will access financial SMS in the user's device (including SMS content, sending time and sender's mobile phone number), and encrypt and transmit the data to the Choice Sasa Loan servers (https://horizon.choicesasaloan.com/chosqqx/) for:
The user will choose whether to allow access to SMS on the authorization interface. If authorization is rejected, we will not be able to conduct risk and credit assessment.
Scope of data use:
We only use financial SMS data (including name, transaction description, amount) when assessing credit and risk. We do not monitor, read, store or share the user's non-financial SMS content.
Data security:
SMS data is encrypted and transmitted to the servers (https://horizon.choicesasaloan.com/chosqqx/) via the HTTPS protocol, and data will never be shared with third parties without the user's permission.
Permission Purpose:
To identify fraud risks and potential malware, Choice Sasa Loan will obtain information about installed apps on the device (including app name, installation time, version number, and package name). This is used to:
Data Storage:
All data is encrypted and stored on the Choice Sasa Loan secure servers (https://horizon.choicesasaloan.com/chosqqx/).
We obtain your personal information in two primary ways:
1. Directly from You: When you submit data via loan applications, online forms, or communications with us.
2. Automatically: As you interact with our app, website, and related services, we collect usage analytics-such as location data (if permitted by you), device type, and in-app behaviors.
Your information is used to:
We may share your information only under these circumstances:
All data transmitted to https://horizon.choicesasaloan.com/chosqqx/ is encrypted using industry-standard protocols. We employ advanced encryption both in transit and at rest to ensure your personal information remains secure. We will never disclose your data to third parties without your explicit authorization.
By using Choice sasa loan, you agree to the collection, use, and sharing of your information as described in this policy. Your consent enables us to deliver secure, transparent, and tailored financial solutions based on your individual circumstances.
We have implemented the following policies regarding the acquisition and utilization of data in order to protect your privacy.
All capitalized phrases in our Privacy Policy have the same meanings as our language of use,unless otherwise noted(where pertinent).
You furnish us with precise personal information.This information may have been acquired from sources other than yourself,such as the provision of personal information during the account establishment process or in other manners,or it may have been explicitly provided by you.Furthermore,it is accessible whenever the software employs it.The Data Protection Act of 2019 does not impose any restrictions;however,it does permit specific information collection methods and purposes.
Among the numerous pieces of personal information that you are required to provide in order to register and establish your account are your name,ID number,date of birth,gender,educational background,religion,photo,physical address,email address,employment details,marital status,emergency contacts,phone number,SIM card details,financial and credit information(including Mobile Money,if applicable),and an Account ID and/or password.
In order for the application to operate efficiently,it is necessary to supply relevant information.For example,in order to utilize the electronic money feature of the application,it is necessary to provide payment-related information,including the type of payment card,mobile wallet account data,issuer name,account bearer name,account number,and payment amount.
We may collect specific technical information about your activities when you use the application or visit our website.Your IP address,the websites you have visited in the past or present,the duration of your sessions,your device ID or media access control address,and information regarding the model,manufacturer,and operating system of your device are all examples of this category.
Furthermore,cookies frequently accumulate specific data when you access our website or utilize the program.Cookies are small files that are stored on your computer or mobile device in order to monitor user behavior and improve the user interface.The app or website may not function as intended if the settings are altered to reject specific categories of cookies or to remove stored cookies at any time,despite the fact that most devices and browsers allow cookies.
The application monitors and collects real-time geolocation information when it is used on a mobile device.If GPS is enabled,the performance of your mobile device's program may be better.Despite our diligent efforts to prevent it,inadvertent geolocation data collection may occur while the program is operating in the background.Although it is feasible to temporarily disable geolocation tracking on your smartphone,it is crucial to bear in mind that this may disrupt the functionality of certain applications.
The technical details and unique identifiers of your mobile device,including the IMEI number,MAC address,and phone number,as well as information regarding the mobile network,operating system,mobile browser type,and preferred time zone,must be provided by you(the User).In addition,in order to utilize the application,it is necessary to submit an inventory of emergency contacts,phone and text message logs,and digital information,such as photos or videos.
Third parties,such as mobile network providers,collecting agencies,agents,suppliers,contractors,and partners,may provide us with access to your personal information in order to fulfill our service obligations.We only collect this data to ensure that our Privacy Policy and the Data Protection Act of 2019 are upheld,as well as to fulfill our obligations to these parties.
In accordance with the"Acknowledgment and Consent"section below,you are permitted to furnish us with Personal Information regarding third parties,such as spouses,family members,associates,and emergency contacts.Nevertheless,it is essential that you obtain their consent.
In addition to any other uses authorized by the Data Protection Act of 2019 and comparable legislation,the personal information we collect may be employed for the following purposes:
a.managing your credit terms,verifying your identity,and establishing your account.
b.Verifying the prerequisites prior to creating an account.
c.Supervising the distribution of loans and the payment of service fees.
d.credit model development and evaluation.
e.compliance with legal mandates,including anti-money laundering and know-your-customer regulations.
f.I am contacting you to provide the application with utilization instructions.
g.notifying you of any modifications to the services or application enhancements.
h.responding to and addressing inquiries and comments.
i.creation,evaluation,enhancement,and customization of the application.
j.sending you SMS messages or engaging in genuine phone conversations.
k.the analysis of demographic data,user behavior,trends,and service utilization.
l.engaging in direct communication with consumers regarding promotions,discounts,or offers.
In addition to the uses permitted by the Data Protection Act of 2019 and associated laws,we may disclose your personal information to Affiliates and other organizations for the following reasons:
Conducting investigations and responding to regulatory inquiries are examples of legal obligations.
a.court cases that are relevant to our business or to you.
b.During the negotiation of mergers,asset transactions,and company restructuring.
c.establishing partnerships with external organizations that provide services such as product development,research,and marketing.
d.providing anonymized,aggregated data.
e.In situations where disclosure is necessary to prevent damage,denounce illegal activity,investigate any violations of the terms of use,or comply with relevant laws.
f.We make every effort to ensure that any personal information that is not necessary for your identification is anonymized.
International exchange of confidential information
Your personal information may be transmitted,stored,utilized,and processed outside of your current location or country of origin when you utilize our services.We ensure that these transfers are safeguarded to the same extent as required by your country's legal system in accordance with our Privacy Policy.
Personal data is retained for the duration necessary to achieve the objectives for which it was collected,or as stipulated by the Data Protection Act of 2019 and other relevant statutes.We cease to retain your information when it is no longer required to fulfill legal or commercial obligations or for the intended purpose,thereby eliminating any means of identifying you personally.
You may request that we revise any personal information about you that we have power to update by contacting us using the information provided below.We reserve the right to impose an administrative fee in accordance with the Kenyan Information and Communications Act,but this is not an exhaustive list.Rejection may occur for insignificant reasons or when the law permits it.
Third-party service providers may manage,transmit,or retain the personal data that has been collected if they provide a level of security that is comparable to that of this privacy statement.This may involve the processing or storage of data outside of your nation of origin,under the supervision of our employees or external vendors.
It is essential to protect your personal information.We take the requisite precautions to prevent unauthorized access,collection,use,disclosure,and processing,as well as to prevent loss or damage.Nevertheless,it is impossible to guarantee the security of internet communication.Your obligation is to safeguard your account and mobile device and to preserve confidentiality.
This privacy statement may be altered at any time to comply with changing legal or regulatory requirements or to reflect changes.Generic notices will be generated by the application or website in the event of any modifications.The enhancements are authorized provided that the website is regularly utilized.
Any discrepancies between the English and other language variants of this privacy statement will be resolved by the English version.
You have given your consent to the collection,use,disclosure,storage,transmission,and processing of your personal data in accordance with the regulations provided in this privacy statement.It is your responsibility to obtain consent for the use of third-party personal data in the manners outlined below.
An extensive array of platforms may be employed to disseminate marketing communications.You have the choice to either utilize the facilities that are at your disposal or contact us to revoke your consent.Loan receipts and other documents will be safeguarded.
Hyperlinks to external websites may be present on our website and application.We are not responsible for their data practices and lack control over them.It is imperative that you review their policies concerning the collection and utilization of information.
We are not liable for any indirect,incidental,consequential,extraordinary,exemplary,or punitive damages that may arise from the use of the App or communication with third parties.We are not responsible for any delays or failures that are the consequence of events that are beyond our reasonable control.
