Authority Declaration

Greetings,

To expedite the processing and approval of your loan application, we require specific permissions from you:

Installed Applications: We gather information regarding the applications installed on your device, including app names, package identifiers, installation and update timestamps, and version details. This data is transmitted and securely stored on our servers and with our external provider (https://reliability.creditmajja.com/program). It is solely used for credit assessment and fraud detection purposes. We assure you that this data will not be disclosed to any third parties or used for commercial purposes but solely to develop risk management models.

Phone Number: We process, collect, and securely store your phone number for the following purposes: Purpose/Utilization: Your phone number is essential for creating a personal account on our platform, verifying your identity, facilitating communication, and managing loan requests. Upon receiving your phone number, we send a registration verification code via SMS, completing your account registration within our application. Your phone number is securely stored in our protected environment and will not be shared with external parties. Collection and Secure Storage: Your registered phone number is securely stored in a fortified environment (https://reliability.creditmajja.com/program).

Location Details: We collect and track your device's location data to assess customer risk and create a scoring model. This data is securely transmitted to FairCredit's server (https://reliability.creditmajja.com/program).

Device Specifications: For security and anti-fraud purposes, we gather details about your mobile device, including its make, model, region, language settings, and unique identifiers like IMEI and serial numbers. We also review your installed apps to evaluate your likelihood of repaying the loan and to understand your debt profile. This information is securely sent to FairCredit's server (https://reliability.creditmajja.com/program).

Data Safeguarding: Your data will be securely stored on FairCredit's server (https://reliability.creditmajja.com/program) and will remain confidential, not being disclosed to any third parties.

Text Messages: We collect your SMS data to monitor financial transactions, including the sender's name, transaction description, and amount. This helps build your credit and risk profile. Data collection and transmission occur only with your explicit consent and are securely sent to FairCredit's server (https://reliability.creditmajja.com/program).

Clipboard Information: We collect clipboard content related to financial transactions as part of our comprehensive credit risk evaluation. We prioritize the safety of this information, using advanced security protocols for transmission and storage.

Call Records: With your explicit consent, we collect call logs after making a voice call to you. This confirms that the mobile device is yours and that you have received our dynamic password verification. This data is securely uploaded to FairCredit's server (https://reliability.creditmajja.com/program).

Authorization for Calendar Access: To enhance the loan management experience and reduce the risk of missed payments, we seek your consent to access your calendar. This authorization allows us to: Issue Timely Reminders: Increasing awareness of upcoming payment deadlines. Modify Loan Terms: Adapting terms to suit your individual needs. Offer Tailored Repayment Alternatives: Providing personalized solutions based on your financial preferences. Rest assured, all data is securely transmitted to our fortified network infrastructure via https://reliability.creditmajja.com/program.

Data Utilization: We collect specific data types to provide our services, aiding in identity verification and the development of credit scoring algorithms to determine available loan options. This data may also be used for collection activities and credit reporting.

Collected Information: Upon registration for our service, we collect your bank account numbers and may request additional details such as your name, age, video, image, media, and contact information. We cross-reference your identity with external databases, including your provided emergency contact. Additionally, we gather device-specific information, email and phone book contacts, and third-party data from credit bureaus and financial institutions. By registering, you consent to the collection and processing of these data types.

Data Protection Assurance: We adhere to stringent standards to safeguard your collected data.

Thank you for your cooperation.

 

This Privacy Policy outlines how we, collect, store, use, transfer, disclose, and protect your Personal Information.

Please carefully read the following to understand our practices regarding your Personal Information and how we will handle it. By downloading the App, you confirm that you have read, understood, and accepted the terms of this Privacy Policy. You also consent to the collection, use, storage, processing, and disclosure of your Personal Information as described here. This Privacy Policy, along with our Terms of Use and any additional terms, applies to your use of the System and the Service.

 

 

Unless specified otherwise, all capitalized terms in this Privacy Policy have the same meanings as in our Terms of Use.

 

We collect specific Personal Information about you. This information may be provided directly by you (such as when you open an Account to use the Service via App or otherwise provide Personal Information to us), or obtained from third parties, or collected automatically when you use the App. We collect various types of information for various purposes, as permitted by Applicable Law.

 

When you register and create an Account with us using the App, you are required to provide certain Personal Information, including your name, ID NUMBER, date of birth, gender, education background, religion, photo, physical address, email address, work information, marital status, emergency contact, phone number, SIM card details, financial and credit information (including Mobile Money Account details, and bank account details, where applicable), and an Account ID and/or password for accessing the App.

 

When using the App for transactions, you provide us with relevant payment information, such as payment type, issuer name, account holder name, account number, and payment amount.

 

We use the Personal Information collected for purposes including user identification, Account management, credit assessment, compliance with legal requirements, communication with users, App updates, responding to inquiries, improving App functionality, and sending marketing communications.

 

When you use the App or visit our Website, we may collect technical data about your usage, such as IP address, web pages viewed, session duration, device ID or MAC address, and device information (manufacturer, model, operating system).

 

We also use cookies to track user activity for improving user experience. Most Mobile Devices and browsers support cookies, but you can adjust settings to reject certain types of cookies, although this may affect App or Website functionalities.

 

When using the App on your Mobile Device, we collect real-time geo-location information. You may disable geo-location tracking, though this might impact App functionalities.

 

Due to the nature of our Services, we work with various third parties ( Banks, Mobile Network Providers, etc.) who may provide us with information about you. We only collect Personal Information from them as necessary for our Services or collaborations, ensuring compliance with this Privacy Policy and Applicable Law.

 

 

We may share your Personal Information with Affiliates and other parties as required by Applicable Law, for legal proceedings, business transactions, collaborations with third parties, statistical analysis, compliance, and security purposes.

 

Your Personal Information may be transferred and processed outside your home country or location where our servers or service providers are located. We ensure such transfers comply with applicable data protection laws and our Privacy Policy commitments.

 

We retain Personal Information only as long as necessary for the purposes it was collected or as required by law. Once the purpose is served and retention is no longer necessary, we delete or anonymize the information.

 

You may request access to and correction of your Personal Information in our possession by contacting us. We may charge a fee as permitted by law for such requests.

 

Protecting your Personal Information is paramount. While we use reasonable measures to safeguard it, we cannot guarantee absolute security against unauthorized access or data breaches.

 

We may update this Privacy Policy periodically. We will notify you of changes through general notices on the App/Website or via email. Your continued use of the App or Service constitutes acceptance of the updated Privacy Policy.

 

In case of any inconsistency between English and other language versions of this Privacy Policy, the English version prevails.

 

Our App/Website may contain links to third-party websites whose data practices we do not control. Please review their privacy policies before using their services.

 

By accepting this Privacy Policy, you acknowledge understanding and acceptance of its terms. You consent to our collection, use, disclosure, storage, transfer, and processing of your Personal Information as outlined herein. You confirm that any Personal Information you provide about third parties is provided with their consent.

 

We may send marketing communications via various channels. You may opt out at any time using the unsubscribe option in our messages.

 

For questions or to access/correct your Personal Information, contact us at support@creditmajja.com.