PRIVACY POLICY
Pesawa and its affiliated entity duly incorporated in Tanzania, Palmtech Digital Company Limited (“Pesawa”, “we”, “us”or“our”) are committed to protecting and respecting your privacy.
This policy sets out the basis on which any personal data we collect from you or that you provide to us will be processed by us.
Please read the following carefully to understand our views and practices regarding your personal data and how we will process it. By clicking Agree and completing the authorization operation, you confirm that you have read, understood and accepted the terms of this Policy. You also agree to the collection, use, storage, processing and disclosure of your personal information in the manner set forth in this policy.
Personal Data disclose
We collect your information to assess and verify your credit eligibility. By analyzing your data, we can detect possible fraud risks.
1.Information obtained directly from your mobile device:
To assess your eligibility and facilitate faster disbursal of your loan, We may collect and process the following data about you from your device, After you agree to grant us these permissions, we will collect some data, which are described below, please read it carefully:
LOCATION: To ensure the security of your account and prevent misuse, we use your IP address to verify whether your device is located in Tanzania. This information will be stored in our database and, in cases of significant IP address changes, we may request identity verification for additional security.
We will only collect your location information with your explicit consent. If you decline to provide consent, we may be unable to access your location data, which could affect the security of your account and our evaluation of your financial environment’s safety.
Location data is collected exclusively through your IP address. All information will be encrypted and securely transmitted to our servers via the HTTPS protocol. You have the option to either agree or decline.
CAMERA: To protect your account and personal information from fraud or unauthorized use, our application requires access to your device’s camera for real-time liveness detection during identity verification. This process ensures the current user is you and is crucial for completing Know Your Customer (KYC) verification and securing your account.
You may choose whether to grant camera access; however, declining it may affect the verification process. Camera access is used strictly for real-time identity verification to enhance account security. By authorizing access, you consent to its use under our data protection policies, ensuring your information remains secure.
APP LIST: We collect your device’s app list to identify potential fraud risks or malware that could compromise your financial security, such as fake location apps or cloned email/contact tools. This helps us verify the authenticity of your information and assess your credit risk. The data collected includes app name, package name, version, installation date, and update time, all of which are encrypted and securely transmitted via HTTPS.
This process ensures a safe operating environment for your loan application. Your information will not be shared with third parties without your consent, aligning with our data protection policies.
DEVICE INFORMATION: We collect your device information to prevent unauthorized access and protect against fraud. This includes hardware details (model, RAM, storage, OS, IMEI, IMSI, serial number, Android ID, MAC address), SIM information (network operator, roaming status, MNC, MCC), and Wi-Fi/mobile network data.
This helps us verify your identity, assess your creditworthiness, and ensure device security. All information is encrypted and securely transmitted via HTTPS. Data will only be collected with your consent and will never be shared with third parties without your authorization, adhering to strict data protection policies.
SMS DATA COLLECTION: We collect and analyze your SMS data to assess your financial situation, measure credibility, detect potential fraud, and evaluate credit risk. This helps us process your loan application safely and efficiently, ensuring faster approvals. SMS data will only be accessed with your explicit authorization (READ_SMS permission) and securely transmitted via encrypted protocols to our servers.
The data is analyzed and permanently deleted afterward, without being shared with third parties. If you decline authorization, the app cannot provide normal services. SMS data will not be accessed when the app is closed or not in use.
2.Information obtained directly from your mobile device:
When you register an account in our platform, you have to provide to us certain Personal Information, including your name, National ID , date of birth, gender, education background, physical address, e-mail address, working information, marital status, emergence contact, your phone number, SIM card details, and an Account ID and/or password that you will use to access the App after registration.
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.
3.Information from Business Partners and other Third Parties
● Pesawa may collect personal information through our Business Partners. This information may include contact information, such as name, company name, job title, address, e-mail address, and phone number for verification and validation purposes.
● Pesawa may also obtain personal information from other third-party sources, including publicly and commercially available sources. We may combine the information we receive from our Business Partners and other third-party sources with information that we collect from you, as described above.
How do we protect your personal information
Your information will be encrypted by us and uploaded to our own server (https://database.Pesawa.com) securely using HTTPS. We promise that we will not change your data and will not share your data with any third party. You The data will only be used by us for risk assessment analysis.
Your Rights
We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.
Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at onlineservice@Pesawa.com.
You also have the right to ask us to delete or delete your personal data for which you have successfully exercised your right to object to processing (see below), where we may process your information unlawfully or where we need to delete your personal data to comply with local law. Please note, however, that due to specific legal reasons, we may not always be able to honor your removal request, and if applicable, we will notify you when you request it.
How we use your Personal Information?
We may use personal data for the following purposes:
To provide and maintain our Services, including monitoring the use of our Services.
Manage your account: Manage your registration as a user of the service. The personal data you provide may allow you to access different features of the service available as a registered user.
For the performance of a contract: the formulation, compliance and commitment of a purchase contract for products, goods or services you have purchased or any other contract with us through services.
To contact you: to contact you by email, phone call, text message or other equivalent form of electronic communication, such as push notifications from mobile applications regarding updates to features, products or contractual services (including security updates) or informational communications, on as necessary or reasonable.
To provide you with news, special offers and general information about other goods, services and events from us that are similar to those you have purchased or inquired about, unless you have opted out of receiving such information.
Manage Your Requests: Participate in and manage your requests to us.
For business transfers: We may use your information to evaluate or carry out a merger, divestiture, reorganization, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of a bankruptcy, liquidation, or similar programs in which the personal data we hold about users of our services are assets transferred.
For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotions and evaluating and improving our services, products, services, marketing and your experience.
We may share your personal information in the following situations:
With Service Providers: We may share your personal information with service providers to monitor and analyze the use of our services in order to contact you.
For business transfers: We may share or transfer your personal information in connection with or during negotiations of any merger, sale of company assets, financing, or the acquisition of all or part of our business to another company.
With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to comply with this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or jointly control with us.
Sharing of Personal Information
Pesawa will only disclose your information in the following situations:
Pesawa may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries. such as our collections team, who need user billing information and some information from us to do their work, we will only share your billing-related information, not will share your other private information.
In some cases, Pesawa may share your personal information with third parties who partner with us to provide products and services to our customers. If so, we will require our Business Partners to use that information in a manner consistent with this Policy, any applicable Specific Privacy Statements, and all applicable privacy and data protection laws.
Pesawa may share your personal information with third parties when we have a good faith belief that disclosure is necessary:
(i)To comply with a law, regulation, court order, or other legal process;
(ii)To detect, prevent, and respond to fraud, intellectual property infringement, violation of our contracts or agreements, violation of law, or other misuse of Pesawa Internet Sites, Apps, products or services;
(iii)To protect Pesawa rights or property or yours or others’ health, safety, welfare, rights, or property;
(iv)Under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.
Pesawa may share your personal information with third parties in connection with the reorganization, or under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.
Kindly note, by signing this form, you allow Pesawa to share your credit information, both positive and negative with Credit Reference Bureau, and also to check your credit report for credit appraisal purposes.
Pesawa may share your information with your permission or at your request.
Security Safeguards
Your information is highly encrypted which is completely out of readable and stored on our servers safely. Many of these databases are stored on servers located in Tanzania.
Pesawa maintains reasonable safeguards to protect the confidentiality, security and integrity of your personal information. Although we use security measures to help protect your personal information against unauthorized disclosure, misuse, or alteration, as is the case with all computer networks linked to the Internet, we cannot guarantee the security of information provided over the Internet and will not be responsible for breaches of security beyond our reasonable control.
Pesawa shall not be held accountable or legally liable for any data breach, misuse, disclosure or unlawful sharing due to the fault of its users’ failure to protect and secure their username and password or some other form of negligence.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: onlineservice@Pesawa.com
By Call: +255750688304
By visiting this page on our website: https://www.Pesawa.com/