Privacy Policy
Disclosure of Permissions
We at Enjovu Credit are dedicated to openness and protecting your privacy in compliance with the 2019 Data Protection and Privacy Act and other relevant laws. We need particular rights to access certain data from your device in order to evaluate your eligibility and guarantee a seamless loan approval procedure. All of the data we collect is safely transferred, kept, and utilized exclusively to deliver our services. We will never provide your information to outside parties without your express agreement.
Permissions for SMS
1. To determine your loan eligibility and establish your credit profile, we require access to your SMS communications, including the message text, sender information, and date.
2. For the first eligibility check, our app will access your SMS data with your express authorization. We will only gather and send filtered SMS messages. Your loan approval process will be directly impacted by the data gathered, which will also help with risk assessment and fraud detection.
3. Your SMS data will stay on your device and not be sent to our system if you decide not to click the "Apply" button or if you do not grant permission.
4. Using industry-standard protocols, all SMS data sent to our server is safely safeguarded.
5. Our first goal is to protect your privacy. Without your express approval, we will never give your SMS data to a third party.
Take caution
Push notifications for crucial account changes, payment reminders, and exclusive deals could be sent to you. Ignoring these warnings won't cause your app to stop functioning.
Device Specifications
Every time you click to apply on the website, we gather device information to confirm your identity and stop fraud. Screen width, time zone, default language, display and brightness settings, CPU and performance statistics, other device environment data, and unique identifiers like OS version, code, brand, model number, IMEI, serial number, and whether the device is in developer mode are all included in this. We also obtain information on the apps that are loaded on your smartphone, even though we solely utilize this data for commercial purposes. We gather information such as the application name, version number, date of first installation, date of last update, and if the app is pre-installed on the system. This improves our ability to identify and
evaluate any threats by getting rid of fraudulent software and protecting the accounts' financial stability. Importantly, no information will be processed or sent if you decide not to apply on the portal. Data from apps that don't fall under a certain financial category isn't used by us. Every piece of information that is gathered is safely kept on our servers and protected from unwanted access.
Network Data
1. ADID/GAID: To evaluate ad data and enhance your advertising experience, we gather your Google Advertising ID (GAID).
2. ACCESS_WIFI_STATE: To evaluate risk and identify any irregularities, we collect data about your Wi-Fi network.
3. ACCESS_NETWORK_STATE: To evaluate risk and prevent data loss in the event of a network failure, we gather your network information, such as IP address, connection status, and network type.
4. Additional details: networkType, macAddress, simCountryIso, simOperator, and so forth
List of Applications
Authorization usage looks at your operating environment and guards against fraud and concealed virus software by using your list of mobile applications. Viral infections caused by illegal software have the potential to steal your money. To manage loans and prevent fraud, we need to determine and assess your degree of risk.
Use of Data:
To prevent unauthorized access to your personal information, enhance fraud protection, preserve account security, and verify that you are an authorized user, we will gather the version number, app name, installation time, last update time, and package name of the installation package.
How to Ensure Data Security:
After being completely encrypted, the gathered data will be securely sent to an HTTPS server. Your information won't be shared with anybody else without your consent.
Security and Storage of Data
Modern encryption and security techniques are used to safely transfer all gathered data to our systems. Without your express permission, no third party will be able to access your data. However, no data will be sent if you choose not to apply. Your name, phone number, device type, and operating system are among the personal data we gather. We also collect device activity logs, SMS, and address information. We may utilize information from financial institutions and credit bureaus to improve our credit evaluation. You agree to the collection, processing, and storage of this data by using our services.
Making Use of Information
We use the two methods listed below to get your personal information:
1. Information you directly give: We may gather and keep the information you give us when you use our financial services, such as when you apply for products and/or services, fill out online forms, give feedback, settle disputes, or get in touch with us about our financial services. We could also keep an eye on the information generated about your transactions and activities while you were using our services. When the service is utilized, utilization data is automatically gathered.
2. Information we proactively gather: We gather data from your computer, smartphone, and other access devices when you use our website, app, and associated services.
How We Utilize Your Information
The information we gather enables us to:
- Confirm your identity.
- Develop models for credit scoring.
- Examine loan applications and keep an eye on credit histories.
- Track trends in payments and collections.
Among the other purposes listed in the section below, this data may be u
sed to evaluate and qualify your creditworthiness, confirm your identification, determine the level of risk involved in your credit request, and for statistical purposes.
Data Transmission and Exchange
Personal information may be shared or exchanged by Enjovu Credit in the following circumstances:
1. Businesses, Affiliates, or Partners of the Enjovu Credit Group: Reason: To do statistical analysis, assess performance, develop new goods, and improve existing items.
2. Third parties or independent service providers: Reason: To promote the provision of services linked to credit.
3. Administrative, judicial, or governmental authorities: Reason: To obey judicial or legal orders.
4. Software suppliers, risk management, or information security: Reason: To maintain security and stop fraud.
5. Business Partners: Reason: To promote the product. You accept the data collection, usage, and sharing policies described in this notice by using Enjovu Credit. We might offer transparent, secure, and effective financing services that are suited to your financial requirements with your permission.
We have the following rules in place for the collection and use of data in order to protect your privacy.
ITS PARTICULAR SECURITY
Unless otherwise noted (where relevant), all capitalized phrases in this Privacy Policy will have the same meaning as those in our conditions of use.
LISTED BELOW IS WHAT WE HAVE DISCOVERED ABOUT YOU
Among the IDs and technical data that the application requires for the user's mobile device are the IMEI number, MAC address, and phone number. They also need to mention the time zone they have selected, the mobile network, the operating system, and the mobile browser version. It is necessary to include digital data such as phone records, SMS, emergency contacts, videos, and images.
INFORMATION GOT FROM OUTSIDE SOURCES
The effective delivery of our services depends on cooperation with a variety of entities, such as banks, suppliers, contractors, partners, and collection agencies. Therefore, they could know anything about you. Only after gaining your approval and confirming that these companies will abide by our privacy policy, the 2019 Data Protection and Privacy Act, and other pertinent legal obligations will we collect your personal information for our connections with them.
You are entitled to provide personal information about your friends, family, coworkers, and emergency contacts, among other things. To do this, you will want their consent. See the "ACKNOWLEDGMENT AND ACCEPTANCE" section immediately below for more details.
USING THE INFORMATION WE HAVE GATHERED ABOUT CERTAIN INDIVIDUALS
For the objectives specified by law, we are permitted to use the personal information we have gathered.
1. The following uses of your personal data are possible:
(1) To keep track of your credit and account status, register you, and verify your identification;
(2) Before creating an account for you, we shall complete any necessary assessments or reviews.
(3) Pay back the loan and receive payment for your work.
(4) To create methods for assessing credit and figuring out creditworthiness;
(5) To guarantee adherence to all relevant laws, rules, and directives, including those pertaining to "know-your-customer" obligations and anti-money laundering;
(6) To get in touch with you and provide you with relevant application information;
(7) To notify you of any modifications made to the application or service, including the addition of interest or transaction fees;
(8) To respond to your questions and comments;
(9) To analyze, improve, and upgrade the application to make it better for you as a user;
(10) We may send you automated or prerecorded emails or text messages (SMS) in order to accomplish the objectives outlined in this Privacy Policy and the Terms of Use.
(11) To monitor and analyze user characteristics and behavior, including how they utilize the program's capabilities and any emerging patterns;
(12) To notify you of exclusive deals and discounts and to send you promotional materials.
2. We will always make sure that your personal information is handled securely and for the fewest purposes feasible, even when it may be used for more general objectives.
(1) To supervise the primary operations of the business;
(2) To oversee the program's use and provide management, assistance, and enhancements to its features, functioning, and user satisfaction;
(3) To correct any errors or technical issues that could arise with the software;
(4) To produce anonymised data for analysis, testing, and research in product development;
(5) To detect, investigate, and stop any unlawful, prohibited, disapproved, or dishonest behavior;
(6) To support us or any affiliated businesses in business dealings, such as firm sales, mergers, or acquisitions;
(7) To carry out exhaustive investigations, validate audits, and satisfy our legal duties. It is one of your responsibilities, but it is not the only one. This entails answering questions and following directives from police enforcement.
A COMPILATION OF WHAT WE KNOW
1. We may disclose your personal information to related companies and other parties for legal reasons. We promise to treat everyone equally and to provide just the bare minimum of personal information needed to fulfill the intended goal.
(1) In any legal action involving the Service that you, us, or any other party may be a party to;
(2) while talking about money, selling assets, restructuring, mergers, consolidations, or selling our business to another business;
(3) when your personal information is accessible to banks, collection agencies, suppliers, contractors, partners, agents, or any other company that works with us or provides services.
(4) when we carry with our legal obligations, including reporting and filing, responding to inquiries, providing instructions, and abiding by laws and regulations. Allowing other businesses to promote, investigate, evaluate, and produce goods or services on your behalf is one way to do this.
(5) We will only disclose your information to our partners if it is required for app dispatch, data processing (including marketing), or company administration. To do this, make sure your name is on our email list. For instance, our primary company in your country may handle and keep your personal information in another nation. Our partners have pledged to handle any personal information they obtain from us carefully, in accordance with our Privacy Policy and all applicable laws.
(6) We shall gather all data and remove any personal information if we discover how the App and the Service are being utilized.
(7) If we believe it is essential to protect you or others, adhere to the law, or look into any policy infractions, we shall provide your personal information.
2. We will eliminate any possible connection between the information and you before sharing it with others.
3. Even if you have given us advance warning, we may nonetheless disclose or transmit your personal information in a way prohibited by this privacy policy.
PERSONAL INFORMATION TRANSFER BETWEEN COUNTRIES
When you use our services, your information may be processed, stored, utilized, and transferred outside of your current residence. The locations of our company's staff, servers, and service providers are also publicly available, as are businesses in other nations where our consortium conducts business. We pledge to safeguard personal information in compliance with our privacy policy, Ugandan laws, and the Data Protection and Privacy Act of 2019. You agree to the local and international transmission of your personal data by completing this contract.
PERSONAL INFORMATION SECURITY
Personal information will be kept for as long as necessary to fulfill the original reason it was gathered or as long as permitted by law. When your personal information is no longer needed for legal or business reasons, we will either promptly delete it or make sure it cannot be connected to you.
Increasing the availability and quality of personal data
As mandated by law, we reserve the right to deny requests to update your personal data. This might happen if we find that requests to see or change the data are unnecessary, time-consuming, or irrelevant, or if there are references to other people in the personal data.
might happen if we find that requests to see or change the data are unnecessary, time-consuming, or irrelevant, or if there are references to other people in the personal data.
YOU HAVE CONTROL OVER YOUR OWN PERSONAL INFORMATION
Other companies may handle, transfer, or store the personal information we gather from you. We will do all in our power to ensure that all outside service providers follow the privacy guidelines, as outlined in this policy.
WE PROTECT YOUR PERSONAL INFORMATION
Protecting your personal information is our top priority. We are committed to safeguarding your personal information, thus we will take all reasonable precautions to avoid loss, damage, or unauthorized use. Furthermore, we promise that no information will be gathered, used, or shared without your express permission. Unfortunately, there is no guarantee that information sent online will be safe. Even with our greatest security efforts, we cannot guarantee that any information you disclose online will be totally safe from unauthorized access or uncontrolled modifications. To ensure the security of your password and mobile device, you must protect the privacy of your account information.
DATA RETAINMENT AND ERASING
When determining the appropriate retention period for personal data, consideration is given to the volume, nature, sensitivity, potential harm from unauthorized use or disclosure, the reasons for processing the data, whether those purposes can be achieved through other means, and any applicable legal, regulatory, tax, accounting, or other requirements. For as long as it takes to accomplish the objectives for which it was collected—such as meeting reporting, tax, legal, and financial obligations—your information will be retained on file.
We found out that:
(1) As allowed by relevant laws, including anti-money laundering requirements, we will keep your financial information for a maximum of six years after the date of your most recent transaction, or longer if it falls within the retention period listed below.
(2) All relevant data, including transactional and personal data, will be permanently deleted six years from the cancellation date. If there are good reasons to believe that a lawsuit or other regulatory enforcement action is about to happen, or if there is a complaint, we may keep your personal information for a long time in connection with our relationship with you and/or your use of the Services.
THE PRIVACY POLICY'S CHANGES
We will periodically review and update our privacy policy to ensure that it complies with applicable laws and current regulations, including the Data Protection and Privacy Act of 2019. To ensure you understand how we manage and protect your information, we encourage you to review our Privacy Policy on a frequent basis. It will be presumed that you have accepted the new privacy policy if you keep using the service, contact us, or visit the website or application after the
1. By signing the Privacy Policy, you attest that you have read, comprehend, and accept all of its contents. By accepting this privacy statement, you give us permission to gather, use, disclose, retain, transfer, and manage your personal information.
2. You certify that you have gotten consent from your family, coworkers, emergency contacts, and any other parties before sharing any personal information. You also give us permission to handle, share, and use their personal data on their behalf.
3. In the event that we are unable to find you in any other way, you give us permission to get in touch with you and your emergency contact (if they have given us permission) to collect your loan payment or to confirm your information.
4. You can stop the collection, use, or disclosure of your personal data by sending a written notice using the contact details provided below. Additionally, you may use the "unsubscribe" or "opt-out" option that is prominently shown in our communications to decide not to receive certain information and messages from us. You understand and agree that you might not be able to use any of the application's or service's features if you decide to withdraw your consent. If you withdraw your consent, we have the right to cancel your account and our partnership. Every commitment and right will be upheld. Please be aware of the possible consequences if you decide to withdraw your consent after we have received your request to use, acquire, or distribute your personal information. You are free to alter your mind whenever you want.
PROMOTION AND ADVERTISING CONTENT
1. To notify you of special offers, promotions, or activities from us, our partners, sponsors, or advertisers, or to give you updates on the features of our App, we reserve the right to send you marketing communications through the App, mail, phone, text message, email, online chat, or push notifications.
2. By clicking the "unsubscribe" link in the email or getting in touch with us using the details provided, you can revoke your agreement to receive these marketing messages at any time.
3. Please note that even if you decide to unsubscribe, you could still get non-promotional alerts about loan transactions, your account, the app, and other important information.
WEBSITES CONCERNING A SPECIAL ISSUE
1. The website and application may be integrated with other websites. We have no control over how these other companies gather, utilize, keep, distribute, or reveal data and information. Additionally, we have no responsibility for how well these websites work. You should review the terms of service and privacy policies of other websites to find out how they collect and manage your personal data.
2. The ads that show up on our app or website may contain links to the advertiser's website. Any information gathered by clicking on the link will be collected and used by the advertiser in compliance with their privacy statement.
RESPONSIBILITIES CRITERIA
Any additional or unique duties that can result from the following are not covered:
1. how dependent you are on the app or how much it interferes with your life.
2. whatever arrangement or partnership you had with another individual, even if you were blissfully ignorant of the possible consequences.
3. Any delays or problems that are out of our control are not our responsibility.
DIRECTIONS TO GET IN TOUCH WITH US
Please send an email to trunkcare@enjovucredit.com if you have any questions concerning our privacy policy or would want access to your personal information.
