Privacy Policy

1. Introduction

This Privacy Policy ("Policy") applies to PesaSasa ("we" or "Platform") and all related services it provides. This Policy is intended to explain to you ("you") how we collect, use, store, protect and share your personal information, and how you can manage your privacy rights.

We understand the importance of user privacy to you and are committed to taking reasonable security measures to protect your personal data. Please read this Policy carefully before using our services. Once you use our services, you agree to all the contents of this Policy.

2. Information We Collect

2.1 Personally Identifiable Information

We may collect the following information to create an account and provide services:

Name
Email address
Residential address
Personal identification number
Family information
University/college information
Mobile phone number
ID photo (national ID, driver's license or voter card)
Professional information
Years of work experience

2.2 Device information

We collect device information to improve account security, prevent fraud, and optimize your user experience, including:

Device model
Operating system version
Device unique identifier (IMEI, Android ID, Mac address, etc.)
Device networking information (IP address, Wi-Fi information, etc.)
Device status and settings

2.3 Location information

We may collect your geographic location information to prevent fraud and improve account security.

2.4 Application installation information

We collect information about installed applications on your device, including application name, package name, installation time, update time, version number, etc., to assess your credit status and provide you with more accurate loan recommendations.

2.5 Camera permissions

In order to complete the KYC (identity verification) process, we need to access your camera so that you can take and upload your ID.

2.6 Contact information

We will collect your contact list information (including name, phone number, addition time, call records, etc.) for quick loan application and credit risk assessment.

3. How we use your information

The information we collect will be used for the following purposes:

Provide, maintain, protect and improve our services
Verify your identity to ensure that you are a real user
Conduct credit assessment and provide you with personalized loan recommendations
Monitor abnormal activities to prevent fraud and illegal activities
Conduct data analysis to optimize product experience
Comply with laws and regulations

4. Storage and protection of information

We will take the following measures to protect your data security:

Access control: We only allow authorized employees to access your data and provide them with strict security training.
Data minimization: We only collect and store the minimum necessary information required to provide services.
Regular review: We regularly review data protection measures to ensure their effectiveness.

5. Information Sharing and Disclosure

We may share your information in the following circumstances:

With your explicit consent
Share with our financial partners for credit assessment and loan services
Provide necessary information to law enforcement agencies, regulators or courts to comply with legal and regulatory requirements
Company merger or asset transfer, such as PesaSasa is merged, acquired or sold, we may transfer your information to the new business entity

6. User Rights

You have the following rights to your personal data:

Right of access: You can access and query your personal information stored by us at any time.
Right to correction: If your personal information is incorrect, you can request correction.
Right to deletion: You can request that we delete your account and personal data (to the extent permitted by law).
Right to restrict processing: In certain circumstances, you can request to restrict our processing of your information.

7. Account Deletion and Data Clearing

You can apply to delete your account and personal information in the following ways:

Email: Send a deletion request to our customer service email.
Customer service phone: Call the customer service phone to apply for cancellation.
Submit a request in the app: Submit an account deletion application in the app.

After verifying your identity, we will complete the data deletion within a reasonable time.

8. Third-party services and SDKs

Our app may integrate third-party SDKs to optimize services. For example:

Appsflyer: used to analyze user behavior to optimize our product experience.
Credit assessment API: used for loan approval and risk assessment.

9. Age restrictions

Our services are only for users over 18 years of age. If you are under 18, please do not use this app.

10. Updates to the Privacy Policy

We may update this Privacy Policy from time to time. When there are major changes to the policy, we will notify you through in-app announcements or emails.

Last updated: February 24, 2025

If you have any questions about this Privacy Policy, please contact us at ixwcerne@gmail.com.