Privacy Policy of KKPesa

1. Introduction

KKPesa is a digital lending service registered and regulated in Tanzania. At KKPesa ("we," "us," or "our"), we are committed to protecting your personal information in line with Tanzanian data protection laws, relevant international standards, and Google Play privacy requirements. This Privacy Policy explains how we collect, use, share, and safeguard your information when you access and use our lending services.

2. Information We Collect

A. Personal Information You Provide :

When you register and use KKPesa, we collect the following user-supplied information to assess loan eligibility and meet legal obligations:

• Full name, gender, date of birth
• National ID or voter registration details
• Mobile number, email address, residential address
• Emergency contacts (names, numbers, and relationships)
• Employment and income details
• Education level and religion (optional)
• Mobile wallet or bank account information
• SMS messages: with your consent, we may access a filtered set of SMS messages on your device to extract finance-related information (for example, bank, mobile-money, merchant, or payment notifications). This information is used solely for credit assessment, repayment verification, and fraud detection. We will only process messages necessary for these purposes and will not retain or use unrelated SMS content.

We collect this information to:

• Confirm your identity and cross-verify with authorized entities
• Evaluate your creditworthiness and detect potential fraud
• Improve our risk assessment and lending models
• Provide service-related communications and promotional updates
• Respond to customer queries and complaints
• Measure service satisfaction and personalize your experience
• Meet local regulatory and compliance obligations

B. Data from External Sources :

With your consent, we may gather limited data from third parties such as credit bureaus and identity verification providers to validate your profile and reduce fraud. All such exchanges are encrypted and handled with strict confidentiality. We do not share your information without explicit permission.

3. Data Security & Storage

KKPesa uses 128-bit SSL encryption to protect your data during transmission. All personal information is securely stored on encrypted servers via HTTPS connections: (https://api.firstpesa.net/websign/3188dec3) We perform regular security checks and updates to ensure data remains confidential, accurate, and protected from unauthorized access.

4. Emergency Contacts

You may provide up to five emergency contacts, including names, phone numbers, and relationships. This data helps validate your identity and assists in credit risk assessments. Only contacts you select are shared — we do not access your full contact list. Data is encrypted during transmission and storage.

5. Notification Access

KKPesa may request permission to send app notifications (POST_NOTIFICATIONS), including payment reminders, status updates, and offers. You may disable this feature anytime via your phone settings. No sensitive information is shared through notifications.

6. Installed Apps Information

With your permission, we may collect metadata (app names, package IDs) from your installed applications to analyze credit behavior and tailor loan products. This information is handled with transparency and in compliance with data privacy laws.

7. Location Access

We may use location data (GPS, IP address, area code) to verify activity and protect your account from unauthorized access. Location tracking is limited to app use and never runs in the background without consent.

8. Other Permissions

• ACCESS_WIFI_STATE: Monitors Wi-Fi connectivity to detect suspicious activity.
• ACCESS_NETWORK_STATE: Assesses mobile network status for app functionality and fraud checks.
• AD_ID: We may use Google Advertising ID for marketing analysis. You can reset or opt out via device settings.

9. Purpose of Data Collection

All data collected serves lawful and essential purposes, such as:

• Processing loan applications
• Conducting credit and identity verification
• Detecting and preventing fraud
• Meeting legal requirements, including anti-money laundering (AML) rules
• Providing account-related notifications and updates

10. Data Protection Measures

Your privacy is protected through:

• Encrypted data transmission using SSL
• Restricted access based on staff roles
• Secure data handling practices
• Ongoing compliance audits and security reviews

11. Your Rights as a Tanzanian User

Under Tanzania's applicable data protection frameworks, you have the right to:

• Be informed of how your data is collected and used
• Request access to or correction of your data
• Object to data processing for marketing purposes
• Request deletion or restriction of your information
• File a complaint for misuse or unauthorized data access

12. Scope of Agreement

By using KKPesa, you agree to the terms outlined in this Privacy Policy. This policy forms part of your user agreement with KKPesa regarding how we manage your data.

13. Updates to This Policy

We may revise this Privacy Policy from time to time. If substantial changes occur, we will notify you via email or in-app message. Continued use of the app implies acceptance of the updated terms.

14. Account Deletion & Data Erasure

Upon your request, KKPesa will delete your account and remove your personal data from our active databases unless retention is legally required.

• Irreversible deletion – Once processed, deleted data cannot be recovered.
• Regulatory exceptions – Some information may be retained for compliance or legal reporting.

15. Contact Us

If you have any questions about your privacy or wish to make a data-related request, please contact:

Data Protection Officer
Email: dev@payablultd.com