February 15, 2025
Mkononi is a product of PESA-MKONONI TANZANIA LIMITED (“we”, “our” or “this App”). We respect and protect the privacy of our users (“you”). Before using our APP/platform services, we recommend that you read the details of this Privacy Policy carefully to help you understand what information we collect from your device, what information we collect and how to use it. Mkononi will collect, store, share, use and protect your personal information in accordance with this Privacy Policy. When you agree to this policy, we believe that you have authorized us to implement the relevant content in accordance with this policy.
What personal data we collect
Personal information is information that unequivocally identifies an individual, or is reasonably and directly identifiable by an entity that holds the information, or that when combined with other information directly and unequivocally identifies an individual, whether or not recorded in physical form.
We will not collect your personal information and data without your consent. The information we collect is to provide better access and services to our users, including but not limited to
Personally identifiable – your full name, date of birth, place of birth, citizenship, age, gender
Contact Information – Address, Phone Number, Email Address
Proof of Identity – Government issued identification document
Financial Information – Bank Account Details, Monthly Income, Monthly Income, Income Sources, Outstanding Loans
Professional background – education background, employment status
Device Information – Device Type, Operating System, Device Specifications
Location – rough location
Other apps installed
With your consent, Mkononi may also collect your name, mobile phone number and email address in connection with Gmail. External websites and companies that have hyperlinks to and from the Mkononi online platform may collect personally identifiable information about you when you visit their websites. This Privacy Statement does not apply to these external sites and companies. Please refer directly to their privacy statements regarding their handling of your personally identifiable information.
We have access to those permissions
In order to assess your eligibility and facilitate faster disbursement of your loan, we may need access to the following:
Location
With your consent, Mkononi collects and accesses approximate location data information of your device. Use the approximate location information on your device to confirm that your location is within our service area to fulfill your loan request. It also reduces the risks associated with loan applications to evaluate customer data and prevent fraud. With your consent, location data will be encrypted and uploaded to our dedicated server https://Mkononi.top via HTTPS protocol. We do not share this data with third parties.
Device Information
With your consent, Mkononi will collect and monitor specific information about your device, including but not limited to your phone number, device name, model, region and language settings, device identifier, device hardware and software information, IP address , status, usage habits, unique device identifiers such as IMEI and serial number. We use this data to uniquely identify devices and to prevent fraud. This also helps to enrich your credit profile and get you the best loan offers based on your profile. With your consent, phone and device data will be encrypted and uploaded to our dedicated server .https://Mkononi.top via HTTPS protocol. We do not share this data with third parties.
We do not share this data with third parties
Having accurate information about you enables us to provide you with a smooth, efficient and customized experience. The personally identifiable information you share will be used in accordance with the service contract you signed with us. Specifically, we may use information about you collected through the mobile application for the following purposes.
Assessing your eligibility to use our products and services, including but not limited to credit verification, credit scoring, automated processing of loan applications, loan collection, and compliance with KYC (know your customer) regulations required by the Central Bank and the Anti-Money Laundering Commission;
Used to create your user account in the Mkononi mobile application;
To enable the features and functionality of the mobile application;
Verify your identity and/or other information you provide to us;
Detect and prevent fraud, money laundering and/or other illegal use of our services;
To send you information about Mkononi, including news about product updates, events and other promotional materials, provided that you have consented to receive such communications. Mkononi will not share any personally identifiable information with third parties for marketing purposes without your consent;
To provide customer service or support and to resolve questions and complaints;
For data analysis, data profiling and other legitimate interests, which will help us understand your needs and help us improve our services.
Who we share your personal information with
We may disclose or share your personal information with affiliates and other parties for any of the following purposes, as well as other purposes permitted by applicable law (although in each case we will always act reasonably and refrain from disclosing or sharing) for the specific purpose: personal information required):
Where required or authorized by applicable law (including but not limited to responding to regulatory inquiries, investigations or orders, or complying with statutory or regulatory filing and reporting requirements), for the purposes set out in such applicable law;
the existence of legal proceedings of any kind between you and us or between you and another party in connection with the Service, for the purposes of such legal proceedings;
For the purposes of such transactions, in the course of or in the negotiation of any merger, sale of corporate assets, merger or reorganization, financing or acquisition of all or a portion of our business, or entry into another company (even if the transaction ultimately did not proceed);
We share information with third parties (including credit bureaus, banks, mobile network providers, collection agencies, our agents, vendors, vendors, contractors, partners, and any other with whom) we share your personal information with, or with whom we work with), for or in connection with the purposes for which such third parties engage or the purposes for which we work with such third parties, as the case may be, which may include allowing such third parties Introducing or offering products or services to you, or other activities conducted by third parties, including marketing, research, analysis and product development;
When we share personal information with affiliates, we do so only for them to help us deliver the App or operate our business (including, if you subscribe to our mailing list, for direct marketing purposes), or for them to do so on our behalf Purposes of Data Processing. For example, our affiliates in another country may process and/or store your personal information on behalf of our group companies in your country. All of our affiliates are committed to processing personal information received from us in accordance with this Privacy Policy and applicable law;
We publish statistics related to the use of the Application and Services, in which case all information will be aggregated and anonymous;
When we believe in good faith that disclosure of your personal information is necessary to comply with applicable law, prevent personal injury or financial loss, report suspected illegal activity, or investigate violations of our Terms of Use;
If the personal information disclosed or shared with other parties does not need to be associated with you, we will use reasonable efforts to remove the means by which the personal information could be associated with you before disclosing or sharing such information.
Except as provided in this Privacy Policy, we may disclose or share your personal information if we notify you in advance and obtain your consent.
Security of personal information
The confidentiality of your personal information is important to us. We will use all reasonable efforts to protect your personal information from unauthorized access, collection, use or disclosure, unlawful processing, accidental loss, destruction and damage or similar risks. Unfortunately, the transmission of information over the Internet is not completely secure. Although we will do our best to protect your personal information, you acknowledge that we cannot guarantee the completeness and accuracy of any personal information you transmit over the Internet, or that such personal information will not be intercepted, accessed, disclosed, altered or unauthorized destruction due to factors beyond our control. You are responsible for keeping your account details confidential, not sharing your password with anyone and must maintain the security of the mobile device you use at all times.
By agreeing to this clause, the Borrower acknowledges and consents to submit their personal and financial details to a Credit Reference Bureau (CRB) in the event of a default. This information may be used for credit reporting and to assess the Borrower’s creditworthiness in accordance with applicable laws and regulations. The Borrower understands that this may affect their ability to obtain future credit.
Storage and retention of personally identifiable information
The personal information collected by Mkononi in your country will be stored in your country.
Mkononi and its assignees will only store or retain your personal data for as long as necessary for the purposes outlined in this Privacy Policy and thereafter for as long as is reasonably necessary to deliver our products and complete our services. Notwithstanding erasure requests, we are required by anti-money laundering and terrorist financing prevention regulations to retain your personal data for a minimum of five (5) years. We may also retain your personal data (i) for as long as necessary to comply with any legal obligations; (ii) whenever authorized by law; and (iii) to establish legal defenses. Information that is no longer required for the collection of the information shall be deleted or anonymized unless necessary to comply with legal obligations. You can delete your data by contacting us via email [email protected]
Your rights
You can exercise your rights as a data subject by contacting us at [email protected]. Note that sometimes you wish to exercise your rights and we are unable to grant your request (for example because we have compelling legitimate grounds for using or processing your personal data, or because we need to keep your personal data to comply with the law obligation.
Right to know
We must provide you with information about how we collect your personal data, how we use your personal data (and our legal basis for doing so), with whom we share your personal data, where we obtain your personal data and Certain information about your rights. data subject. This information is provided in clear language in the Mkononi app and in this Privacy Policy.
Access right
You may request a copy of the personal data (as defined under applicable law) we hold about you (and information about you relating to such personal data), and information about how such personal data is processed, unless some or all of the It adversely affects the rights and freedoms of others, or applicable law requires us not to comply with your request. The right of access does not apply to analysis of your personal data by the Company, such as inferred, derived, modeled or business generated data.
Right to rectification
You can ask us to correct any personal data that you believe is inaccurate. We will promptly update any such personal data. With respect to your request, you may be required to provide supporting evidence or other documentation so that we can verify the accuracy of the request.
Right to delete or block
You can ask us to delete your personal data (as defined under applicable law):
If you believe that we no longer need to retain such personal data;
if you believe that we have no legitimate grounds for the processing;
if you believe that we are using such personal data unlawfully;
If you believe that applicable law requires us to do so.
The right to restrict or object to processing
You may ask us to stop using your personal data (as defined under applicable law) if the processing of your personal data is based on your consent or our legitimate interests:
If you believe that such Personal Data is inaccurate;
if you believe that our use of such personal data is unlawful;
if you do not want us to destroy such personal data because you need it for legal proceedings;
If you inform us that there is no legitimate reason to use it and we are considering your request.
The right to data portability
If we use your personal data on the basis of your consent, or because we need it to fulfill our contractual obligations to you, you can ask us to provide you with your personal data in a structured, generic manner (in accordance with applicable law definition). – in a machine-readable format or transmit it to another data controller. The right to data portability is limited to data that you voluntarily and knowingly provide, or that you provide through the use of our services.
Right to damages
You have the right to compensation if you have suffered damages as a result of inaccurate, incomplete, out-of-date, false, illegally obtained or unauthorized use of personal data, taking into account the violation of your rights and freedoms as a data subject.
Right to lodge a complaint
You have the right to lodge a complaint with the relevant government authority regarding any breach of your rights as a data subject.
Please note that there are times when you wish to exercise your rights and we are unable to grant your request (for example, because we have compelling legitimate grounds for using or processing your information, or because we need to keep your information to comply with a legal obligation)
Protection of minors
Mkononi does not knowingly collect personally identifiable information from anyone under the age of 18. Mkononi encourages parents to instruct their children not to disclose personal information while online. If parents are worried about their children’s personal information being transferred, they can contact us.
Updates to the privacy policy
Any changes we may make to this Policy in the future will be posted on this page and notified to you the next time you launch the App or log in to one of the Service Sites (as applicable). New terms may appear on the screen and you may need to read and accept them to continue using the app or service. Regardless, by continuing to use the App or any of the Services after any changes are posted, you confirm your continued acceptance of this Policy and such changes and agree to the terms set forth therein.
Contact us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site please contact us.
Email: [email protected]