Welcome to the PesaPata application (hereinafter referred to as "we" or "this application"). We highly value your privacy and are committed to protecting your personal information. This privacy policy describes how we collect, use, disclose, and protect your information.
To provide you with better services, we may collect and process the following categories of information:
Personal Information: Includes but is not limited to your name, phone number, ID number, etc. This information is used to verify your identity and ensure the security of the application process.
Job information: Including years of employment, payday, etc. This information is a crucial reference for loan assessment and helps in accurately evaluating your loan application.
Location Information: To verify whether you are within our service area, we need to access your location information. If your area is outside our service coverage, we may be unable to provide loan services.
Contact Information: To simplify your operation process and enhance the user experience, we require access to your contacts. This allows for automatic filling of related information, saving you time, and helps us verify your identity, reducing potential fraud risks.
Camera Access: We need access to your device's camera to enable facial recognition and ID document capture. This permission helps us secure your account, verify your identity, and further reduce the risk of unauthorized access and fraud.
IDFA Information: We need to access your device's Identifier for Advertisers (IDFA) to optimize your user experience. This will help us recommend loan products that best suit your needs and provide personalized services. Rest assured, your IDFA information will be kept strictly confidential and will not be shared with any third parties.
The information we collect will be used for the following purposes:
To provide and maintain our services for you;
To process your loan applications and repayments;
To improve our products and services;
To offer you personalized recommendations and advertisements;
To comply with legal and regulatory requirements.
We will not sell or rent your personal information to any third party without your explicit consent. Information sharing and disclosure may occur in the following situations:
Partners and Service Providers: We may share your information with carefully selected partners or service providers to provide you with better services. These third parties may include credit rating agencies, payment service providers, customer service platforms, data analysis companies, etc.
Legal Compliance and Judicial Requirements: When we have reasonable grounds to believe that information disclosure is necessary to comply with the law, enforce court orders, or respond to lawful requests from government agencies, we will disclose your personal information as required by law.
Protection of Rights and Safety: When we deem it necessary to protect our rights, privacy, safety, or property, as well as those of our users or the public, we may disclose relevant information. This includes investigating fraud, technical vulnerabilities, cybersecurity threats, etc.
We have implemented industry-standard security measures to protect your personal information, including but not limited to data encryption, access controls, audit logs, and more. Our systems undergo regular security reviews and vulnerability fixes to ensure the safety of your data. However, due to the open nature of the internet, no online data transmission can be guaranteed to be 100% secure.
You have the following rights regarding your personal information:
Right to Access: You can access and review the personal information we hold about you at any time.
Right to Rectification: If your personal information is inaccurate or outdated, you have the right to request corrections.
Right to Deletion: In certain circumstances, you may request the deletion of your personal information, such as when you withdraw consent or the information is no longer necessary.
Right to Restrict Processing: You can request that we restrict the processing of your information, particularly if you question the accuracy of the data or the legitimacy of the processing.
Right to Data Portability: Where technically feasible, you may request that we provide your personal information in a structured, commonly used, and machine-readable format to you or a third party.
If you wish to exercise these rights, please contact us using the information provided below. We will process your request within a reasonable timeframe.
We may update this privacy policy from time to time. When we make significant changes, we will notify you through in-app notifications or other appropriate means.
If you have any questions or concerns regarding this privacy policy, please contact us through the following channels:
Email：help@winchifin.com