ASOWISH MICROFINANCE COMPANY LIMITED (hereinafter referred to as "we" or "our company") is well aware that your privacy is of great importance. This Privacy Agreement (hereinafter referred to as "this Agreement") is intended to explain in detail how we collect, use, store, share and protect your personal information during your use of the Cash credit application (hereinafter referred to as "this application"). Please read this Agreement carefully and make sure you fully understand and agree to the contents of this Agreement before using this application. If you disagree with any part of this Agreement, please do not use this application.

Information we collect：

Personal information permissions:

When you fill in the loan application information, we will collect your name, ID number, contact number, bank card number and other information. This information is necessary to confirm your identity, evaluate your loan qualifications and complete the loan transaction. For example, through the ID number you provide, we can verify the authenticity of your identity and ensure that the loan business complies with the requirements of laws and regulations; bank card number information is used for loan issuance and repayment operations. The information you provide will be strictly confidential and will only be used for processes related to the loan business. It will not be disclosed to third parties for other unrelated purposes. The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

Location permission:

When you use this app, we will obtain your approximate location. This is mainly to provide you with loan products and services that comply with local policies and regulations based on your region. Different regions may have different financial policies, and to avoid those who apply for loans in other countries. If you refuse to grant location permission, it may affect the display and provision of some regional customized services, but it will not affect your use of other core loan functions of the APP.The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

Camera permissions:

Camera permissions are used for scenarios such as ID card photo taking and face recognition. When you apply for a loan, we need to take a photo of your ID card to quickly and accurately obtain your identity information to reduce errors that may occur from manual input. Face recognition is to further confirm your identity, protect the security of your account, and prevent others from impersonating you to apply for a loan.The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

Calendar permissions:

Calendar permissions are mainly used to remind you of your repayment date. We will inform you through calendar reminders before the repayment date you set, to ensure that you will not miss the repayment time due to negligence and avoid bad credit records due to overdue payments. This permission is only used to read calendar information and set repayment reminders, and will not view or modify other personal schedule information in your calendar. If you do not allow the APP to obtain calendar permissions, you may need to record the repayment date by other means.The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

App list permissions:

The purpose of obtaining app list permissions is to assess your credit risk. If your current device contains high-risk, Trojan-like or other harmful software, we will assess your credit as appropriate to ensure the safety of your funds. At the same time, by analyzing the types and usage of other apps installed on your phone, we can have a more comprehensive understanding of your consumption habits, social behaviors, etc., so as to more accurately assess your repayment ability and credit status. When we obtain app list information, we only collect and analyze the information of apps you actively install, and will not read the specific data of apps in the system.The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

SMS:

When you choose to use Cash Credit for loan services, we will extract specific financial-related information from your SMS so that we can provide reasonable credit limit recommendations based on your specific financial situation, and at the same time verify the authenticity of your identity and help us identify and prevent loan fraud. In this way, we can check whether there are any abnormal loan activities on your current number. At the same time, Cash Credit strictly follows Google's，User Privacy Policy. We will not obtain or store any SMS content involving personal sensitive information. We only collect SMS containing specific financial keywords (including: [salio,tsh,pesa,malipo,mkopo,kutoka,tarehe,umepokea,mteja,tafadhali,Akaunti,imethibitishwa,Kumbukumbu,kulipa,TZS,yamepokelewa,lipa,umelipia,lako,betPawa,loan,balance,VAT,account,Transaction,amount,received,fee,repayment,financial,paid]),

All collected information will be encrypted and uploaded to our server:https://qyw.asowishltd.online

Contact information permission:

During the loan application process, you need to fill in the emergency contact information. When we cannot contact you through the phone number you reserved, we may try to contact your emergency contact to confirm your condition or communicate important matters related to the loan. If you refuse to grant contact information permission, it may affect the efficiency of our communication with you and have a certain impact on the advancement of loan business. The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

Device permission:

Device permission includes obtaining information such as device model and operating system version. This information helps us optimize the compatibility and stability of the APP on different devices and provide you with a better user experience. For example, when we find that a certain model of device has specific problems during the use of the APP, we can perform targeted technical optimization. At the same time, device information can also be used to identify the uniqueness of the device to prevent malicious attacks and account theft. The acquisition of device permissions does not involve reading personal files, photos and other private data in your device.The data will be uploaded to the server in the latest encryption method: https://qyw.asowishltd.online

Purpose of information use

Loan service related: We use the information you provide mainly to evaluate your loan application, determine loan conditions such as loan amount, interest rate, repayment period, etc., handle loan issuance and repayment matters, and conduct post-loan management, including but not limited to repayment reminders, overdue collection, etc. By comprehensively analyzing your personal information, credit status and repayment ability, we can provide you with more accurate and appropriate loan services while protecting the legitimate rights and interests of both parties.

Improving services and product optimization: The collected device information, log information and location information help us understand the user's usage habits and needs, and analyze the performance of the application in different devices and scenarios. Based on these analysis results, we can optimize the application's functions, interface design and user experience in a targeted manner, launch loan products and services that better meet user needs, and continuously improve service quality and efficiency.

Security and risk prevention: We use the collected information for security protection, identification and prevention of fraud, malicious attacks and other risks that may damage user rights and platform security. By monitoring and analyzing data such as device information and operation behavior, we can promptly detect abnormal situations and take corresponding measures to protect your account security and personal information from being illegally obtained or used.

Personalized recommendations: Based on your usage history, preferences and other relevant information, we may provide you with personalized product recommendations and service information, including but not limited to recommending loan products, promotional activities or other financial services that are more suitable for your needs. Personalized recommendations are designed to provide you with more valuable information and save you time in screening information, but you have the right to choose whether to accept these recommendations.

Legal compliance and regulatory requirements: We may also use your information to comply with applicable laws, regulations, regulatory requirements and industry norms. For example, in accordance with relevant regulations such as anti-money laundering and anti-terrorist financing, we need to authenticate users and verify information; in some cases, we may need to provide necessary information to relevant regulatory authorities to cooperate with regulatory inspections or investigations.

Storage of Information

Storage location: We will store your personal information at https://qyw.asowishltd.online. We have taken a series of technical and management measures to ensure that the storage environment meets relevant data security standards and protect your information security. At the same time, we will comply with the applicable laws and regulations on the location of data storage. If your personal information needs to be transferred across borders, we will explain it to you separately and obtain your consent.

Storage period: We will only retain your personal information for the period necessary to achieve the purposes stated in this Agreement. The specific storage period will be determined based on different types of information and the requirements of relevant laws and regulations. For example, information related to loan applications and repayments will be retained for a certain period of time after the loan contract is fulfilled to meet possible audit, inquiry or legal dispute resolution needs; for device information and log information, we usually delete or anonymize it after a certain period of time to reduce data storage volume and risks. After the storage period expires, we will delete or anonymize your personal information so that it can no longer identify you personally.

Your rights

Right to access: You have the right to access your personal information stored in Cash credit at any time, including your account information, loan application information, etc. You can view and obtain your personal information in the relevant settings or personal information management interface by logging into this application. If you encounter any problems or need further help during the access process, please contact our customer service staff.

Right to correction: If you find that your personal information collected and stored by us is wrong or inaccurate, you have the right to ask us to correct it. You can submit a correction application to us through the feedback channel in this application or contact our customer service staff, and provide correct information. We will correct the erroneous information in a timely manner after verifying your identity and relevant information.

Right to delete: In compliance with laws and regulations, you have the right to request us to delete your personal information. For example, if we collect your information beyond the purpose and scope specified in this agreement, or you no longer want to use this application and request to delete your account and related information. You can submit a deletion application through the relevant operations in this application or contact our customer service staff. After receiving the application, we will delete your personal information as soon as possible in accordance with the requirements of laws and regulations and actual conditions. However, please note that in some cases, such as when we need to retain certain information for auditing, compliance and other purposes in accordance with laws and regulations, we may not be able to completely delete all of your information, but we will anonymize the relevant information so that it can no longer identify you personally.

Right to withdraw consent: For certain personal information that requires your authorization to be collected and used, you have the right to withdraw your consent at any time. For example, you can turn off the permission for this app to obtain your location information or contact information in the settings of your device. When you withdraw your consent, we will no longer continue to collect and use the relevant information based on the authorization, but the information processing we have performed based on the authorization before you withdraw your consent will still be valid.

Right to complain: If you have any questions, comments or complaints about our handling of your personal information, you can contact us through the contact information provided in this agreement. After receiving your feedback, we will handle and respond in a timely manner and try our best to solve your problem. If you are not satisfied with our handling results, you can also complain to the relevant regulatory authorities.

Protection of minors

This application does not provide services for minors. We will not intentionally collect personal information of minors. If we find that we have accidentally collected personal information of minors, we will immediately take measures to delete the relevant information and stop processing the personal information of the minor. If you are the guardian of a minor and find that the minor has provided us with personal information, please contact us in time through the contact information in this agreement, and we will assist you in handling it.

Update and notification of the agreement

Agreement update: We may update this agreement based on changes in laws and regulations, business development needs or other reasons. The updated agreement will be published in this application and the update date will be clearly marked. When the update of this agreement involves changes in important terms such as the collection, use, and sharing of your personal information, we will notify you through appropriate means (such as push notifications in the application, sending text messages or emails, etc.) to remind you to pay attention to the changes in the agreement.

Notice takes effect: If you continue to use this application after the update of this agreement, it is deemed that you agree to accept the updated content of the agreement. If you do not agree to the updated agreement, you have the right to stop using this application and request us to delete your personal information in accordance with the provisions on the right to delete in this agreement.

Contact Information

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

Customer Service Phone: +255 793 575 668

Email: ASOWISHLTD@outlook.com

Postal Address: Address no 3, Bibi Suzy street near Tabata center point hotel, Tabata bima, dar es salaam

We will contact you as soon as possible after receiving your feedback and handle your issue. Generally, we will respond to you within 5 working days, but the specific response time may vary depending on the complexity of the issue and the actual situation.

Please confirm again that before using the Cash credit application, you have carefully read and understood the entire content of this Privacy Agreement and agree that we collect, use, store, share and protect your personal information in accordance with the provisions of this Agreement.

ASOWISH MICROFINANCE COMPANY LIMITED