This Privacy Agreement is intended to explain to you how we collect, use, store, share and protect your personal information when you use the services provided by KWANZALOAN. Please read and understand the entire content of this Privacy Agreement carefully before using our services. If you do not agree to any of the terms of this Privacy Agreement, please stop using our services immediately.

How we collect and use your personal information

We only collect and use your personal information to the extent necessary to provide loan services, as follows:

Personal information:

When you apply for a loan, we will collect your loan application information in the form of a form, including your name, ID number, contact information, bank card information, etc. This information will be used for identity verification, loan qualification assessment, loan account and repayment management and other full-process services to ensure the compliance and accuracy of the loan business. At the same time, it effectively prevents financial risks, safeguards your legal rights and interests, and ensures the safety of your funds. The collected information will be encrypted and uploaded to the https://yelsapi.tambomcelda.online server and deleted regularly.

Location permission:

When you use this app and authorize access to location information, we need to obtain your approximate location. This permission is mainly used to recommend loan products that are more in line with the market. We will customize suitable loan product plans and exclusive promotions for you based on regional financial policies and market characteristics. At the same time, in key links such as loan applications and transactions, location information will serve as an important basis for risk prevention and control to prevent abnormal operations from other countries and ensure account security. The collected information will be encrypted and uploaded to the server: https://yelsapi.tambomcelda.online, and deleted regularly.

Camera permission:

When filling out the form, the APP will obtain camera permission. This permission is mainly used in the loan application process. You can use the camera to take pictures of ID cards, bank cards and other documents to complete the submission of electronic materials. In the identity verification process, the camera is used for face recognition. Based on biometric verification technology, it ensures that the operating subject is consistent with the registration information and strengthens account security. The collected information will be encrypted and uploaded to the server: https://yelsapi.tambomcelda.online, and deleted regularly.

App list permissions:

We only obtain some apps that users actively install, and will not perform any operations on system components. This is to build a multi-dimensional risk assessment and security monitoring system. By analyzing the apps that users actively install, we can identify whether there are high-risk apps in the user's current device, and promptly warn of fraud, malicious attacks and other threats brought by high-risk apps to protect your funds and personal information privacy. At the same time, we will provide you with personalized financial service recommendations that better meet your needs based on your app usage preferences. The collected information will be encrypted and uploaded to the https://yelsapi.tambomcelda.online server and deleted regularly.

Contact Information Permission:

During the loan application review process, according to the requirements of the form, we need you to fill in the contact information of your relatives, which is only used to obtain the emergency contact you have pre-set. When special situations such as abnormal account status or inability to contact occur, we will verify your safety status through the emergency contact to ensure the normal progress of the loan business and safeguard your legitimate rights and interests. The collected information will be encrypted and uploaded to the server: https://yelsapi.tambomcelda.online and deleted regularly.

Device Permission:

We will collect device information, such as the device model, operating system version, and device identification code, which is used for the compatibility adaptation and performance optimization of the APP to ensure a smooth and stable user experience on different terminal devices. At the same time, device information will serve as an important basis for security protection. Through the unique identification of the device, it can prevent the risks of malicious software attacks and account theft and build a solid line of defense for information security. The collected information will be encrypted and uploaded to the server: https://yelsapi.tambomcelda.online and deleted regularly.

How we protect your personal information

We adopt security protection measures and technical means that meet industry standards, including but not limited to encryption technology, access control, data backup, etc., to prevent your personal information from being leaked, damaged, tampered with or lost. For example, we encrypt and store and transmit your sensitive information (such as bank account information, ID number, etc.) to ensure the security of data during transmission and storage.

We have established strict internal management systems and operating procedures, and provide strict confidentiality training to employees involved in the processing of personal information, requiring them to comply with confidentiality obligations and impose corresponding penalties for violations. Only authorized employees can access and process your personal information, and their operations will be strictly audited and monitored.

We will regularly evaluate and update security technologies and management measures to adapt to the ever-changing security environment. At the same time, we will formulate emergency plans, and immediately activate emergency plans when personal information security incidents occur, take corresponding remedial measures to prevent the expansion of harm, and report to the relevant competent authorities in accordance with the requirements of laws and regulations within the prescribed time, and notify you.

Your rights

Right to review: You have the right to review your personal information collected and used by us. You can view your personal information in personal settings or related function pages by logging into our application or website. If you cannot review it in the above way, you can contact us through the contact information provided in this privacy agreement, and we will respond to your request within 5 working days.

Right to correction: If you find that your personal information collected and used by us is wrong or incomplete, you have the right to ask us to correct or supplement it. For editable personal information, you can log into our application or website and modify it on the relevant function page; for information that cannot be modified by yourself, you can submit a correction or supplement application to us through the contact information provided in this privacy agreement. We will handle it in a timely manner after verifying the situation and respond to you within 5 working days.

Right to delete: In compliance with the requirements of laws and regulations, you have the right to ask us to delete your personal information. For example, if the user actively requests to delete personal information, or if we violate laws, administrative regulations or agreements to process personal information, you can delete your information by deleting your account in the app or on the official website. If you currently have no overdue orders, you can directly delete your information. If so, please contact our customer service, and we will handle it in a timely manner after verifying the situation.

Right to withdraw consent: You have the right to withdraw your previous consent for us to process your personal information. You can withdraw your consent by closing the relevant functional options in our applications or websites, modifying privacy settings, etc., or submitting a withdrawal application to us through the contact information provided in this Privacy Agreement. After withdrawing your consent, we will no longer process your personal information based on that consent, but it will not affect the validity of the personal information processing activities based on your consent before the withdrawal.

Right to complain: If you believe that our processing of your personal information violates laws and regulations or the provisions of this Privacy Agreement, you have the right to complain to the relevant competent authorities, or file a complaint with us through the contact information provided in this Privacy Agreement. We will handle your complaint promptly and respond to you within 5 working days.

Protection of minors

We attach great importance to the protection of minors' personal information. Our services are mainly for adults. If you are a minor under the age of 18, you should read this privacy agreement in the company of your parents or other guardians before using our services, and obtain the consent of your parents or other guardians. We only collect, use, store, share and process minors' personal information when permitted by laws and regulations, with the explicit consent of parents or other guardians, or when necessary to protect minors. If we find that we have collected personal information of minors without obtaining verifiable consent from parents or other guardians in advance, we will delete the relevant information as soon as possible.

Changes to the Privacy Agreement

We may revise this Privacy Agreement based on changes in laws and regulations, business development, or adjustments to service features. The revised Privacy Agreement will be published on our app or website, and you will be notified in an appropriate manner (such as push notifications, pop-up prompts, etc.). If you continue to use our services after the revision of this Privacy Agreement, it means that you have fully read, understood, and accepted the revised Privacy Agreement. If you do not agree to the revised Privacy Agreement, you should stop using our services.

How to contact us

If you have any questions, comments or suggestions about this Privacy Policy or our handling of personal information, you can contact us in the following ways:

Customer service phone: +244955179487, service hours: Monday to Friday

Email: TAMBOMCOM@outlook.com

We will respond to you within 5 working days after receiving your feedback and try our best to solve your problem.