Jumatatu hadi Ijumaa: 9am - 6pm
Last update: 24 July 2024
Richmen Tanzania Finance Limited (brand name: PesaPlus TZ) (hereinafter referred to as the “Company” or “We”) respect its Clients (hereinafter referred to as “You” or “They”) privacy and is committed to protecting their personal data that may be processed through the use of the Website and mobile application PesaPlus (hereinafter referred to as the “App”).
The processing of personal data refers to the collection, storage, use, disclosure, protection and deletion of your personal information.
We only ask for personal data when we truly need it to provide services to you. We collect it by fair and lawful means, with your knowledge and consent.
Please read this Privacy Policy carefully. By using our Website or App you give free and unambiguous consent that we can process your personal data in accordance with the terms set out in this Privacy Policy. The Privacy Policy applies to all personal and sensitive information processed through your use of our services.
We do not process the data of minors. Do not provide us with any such personal data, as it will constitute an immediate and automatic breach of this Privacy Policy and our Terms & Conditions.
1. Types Of Data Collected And Processed
Personal Information
When you use our services through the Website and App, we may collect from you the following personal information:
Full name;
Email address;
Contact number;
Date of birth;
Address, state, province, ZIP/postal code, city;
Government-issued ID details;
Other similar information.
You are free to refuse our request for your personal information, but you should understand that then we will be unable to provide you with our services.
Financial Information
Because the model of our business involves providing loans to our Clients, we also collect financial information, such as:
Bank account details;
Information about a Client’s credit score;
Client salary or debts;
Other similar financial information.
This information is used only for the purpose of processing Client’s loan applications.
Technical Information
When you access our services from your mobile device, certain technical information may be collected, such as:
Unique hardware ID;
Device model;
Operating system version;
Other similar technical information.
This information helps us ensure that unauthorised devices are not used for fraudulent activities on your behalf.
Location Information
We will collect your approximate geographic location information for Clients’ risk assessment and fraud prevention purposes. This information will be uploaded to our server with a high level of protection.
Your device’s operating system may provide you with a notification when the App attempts to collect your geo-location. Please note that if you decline to allow the App to collect your geo-location, you may not be able to use all of the Apps features.
Images
In addition, for compliance and fraud prevention purposes, we will need to collect images stored on your device. However, the collection and uploading of images will only be possible if you agree to authorise it on your device.
Cookies
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. However, doing so may affect the functionalities available on the App or Website.
2. How Is Data Collected
We use different methods to collect data from and about you, including through:
Direct interactions: You may give us your personal information by filling in a loan application form or by corresponding with us through the platform, by phone, email or otherwise. This includes personal information you provide when you:
Use our services;
Use our platform;
Contract with us;
Provide any services to us as a service provider or independent contractor on contract with us;
Request information to be sent to you;
Give us some feedback.
Automated technologies or interactions: As you interact with our platform, we may automatically collect technical information about your device, browsing actions and patterns. We may collect this information by using cookies, server logs and other similar technologies.
Third parties: We may receive personal information about you from various third parties such as:
Credit bureaux;
Analytics providers;
Financial institutions;
Marketing platforms;
Search information providers.
3. Security Of Data
All your information will be encrypted and transmitted to our server in a secure manner. Unless otherwise provided herein, we will not share the data we collect publicly or with any third party without your consent, except as required by law.
We will use all reasonable efforts to protect and secure your data against access, collection, use or disclosure by authorised persons, and against unlawful processing, accidental loss, destruction and damage or similar risks. You are and shall at all times be responsible for keeping your account details confidential and you must not share your password with anyone and you must always maintain the security of the mobile device that you use at any given time. You shall be responsible for any act or omission of any user(s) that access your account information that, if undertaken by you would be deemed to be a violation of this Privacy Policy. You agree and undertake to notify us of any unauthorised access or use of your account or password or any breach of security. You acknowledge, understand and agree that we shall not be held liable for any loss and/or damage arising from any failure to maintain the secrecy and confidentiality of your password and all activities that transpire on or within your account.
4. Third-Party Links On Platform
The platform may include links to third-party platforms, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share information about you. We do not control these third-party platforms and are not responsible for their privacy statements or terms. When you leave our platform, or engage with such third parties, we encourage you to read the distinct privacy policy of every third party you engage with.
5. How We Use Data
We will only use your data when the law allows us to and for legitimate reasons, which you hereby expressly understand and consent to. Most commonly, we will use your personal information in the following circumstances:
Where we have your express consent to do so;
Where we need to consult with you or perform on the services contract we are about to enter into or have entered into with you;
Where it is necessary for our legitimate business interests (or those of a third party) and your interests and fundamental rights do not override those interests;
Where we need to comply with a legal or regulatory obligation.
6. Retention Of Data
We only retain collected information for as long as necessary or as permitted by the laws to provide you with your requested services. However, we will also retain data subject to relevant provisions of applicable laws, resolve disputes, prevent fraud and abuse, and enforce our legal agreements and policies.
7. Disclosures Of Data
We may have to share your personal information with the parties set out below:
Financial institutions. We collaborate with various financial institutions to create and offer our services, and we may only use this information to market our related services unless the Client has consented to other uses.
Credit Bureau Institutions. We disclose your personal data to obtain your credit score and credit report as well as assess your creditworthiness from one or more Credit Rating Bureaus on your behalf to facilitate responsible lending practices and help you access the best possible financial solutions.
Service providers. We may share your information with third-party service providers to enable us to fulfil our contractual obligations towards you or carry out our operations seamlessly.
Law enforcement, government officials. We may disclose your data according to a subpoena, or court order when we need to do so to comply with law or credit/debit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our contract.
Legal and Regulatory Authorities. We may disclose your information if we believe it is reasonably necessary to comply with a law, regulation, order, subpoena, or audit, or to protect any person’s safety, or to address fraud, security, or technical issues.
8. Your Rights Regarding Data We Collect
Request changes to your personal data
You may by written notice request us to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request deletion of your personal data
You may by written notice ask us to delete your personal data that we have no good reason to continue processing. You also have the right to ask us to delete your personal data 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, or as required or authorised by applicable law, we may not always be able to honour your removal request. We will notify you of such a case when you request it.
Object to processing of your personal data
Where we are relying on a legitimate interest (or those of a third party). You also have the right, by written notice, to object to the processing of your personal data. We may, however, proceed with the processing of your personal data in accordance with the applicable law in the existence of compelling legitimate interests including but not limited to the establishment, exercise or defence of any legal claim against you.
9. Privacy Policy Update
Through this Privacy Policy, you agree that we may amend this Privacy Policy at any time in accordance with our discretion and policies from time to time and will be uploading to the Website and App in modified version. We note that you need and undertake to check and update this Privacy Policy periodically for the latest information. Changes to this Privacy Policy take effect from the date of upload on the Website and App. By your continued use of the services after the amendment takes effect, we understand that you agree and undertake to comply with the revised terms of this Privacy Policy.
10. Contact Details
If you have any questions regarding the Privacy Policy, please contact our Data Protection Officer at [email protected].
Company full details:
Full name: Richmen Tanzania Finance Limited
Email address: [email protected]
Postal address: Kinindoni Municipal Dar Es Salaam
Telephone number: +255750011666