ImpiKash is dedicated to safeguarding your privacy and guaranteeing openness in how we gather, use, and secure your personal data in line with the pertinent local legislation. We need certain rights to access particular information on your device in order to evaluate your eligibility and hence provide you a seamless loan acceptance process. Every piece of information gathered will be safely kept and applied just for uses connected to services. Third parties never will be able to access your data without your clear permission.
Why do we need SMS permissions?
The APP collects all your SMS messages to verify your income stability and repayment ability when you apply for a loan. This data can help assess your loan qualifications faster, speed up loan review, and detect abnormal transaction patterns to protect you from identity theft risks.
What SMS data do we collect?
How is this data used?
Your data control
Regarding special offers, payment reminders, and critical account updates, we might send you push notifications. These optional alerts can be disabled at any moment without compromising the operation of the app.
For identification confirmation and fraud avoidance, we want access to two emergency contacts. These contacts can be entered personally or chosen from your address book. We will just access the contacts you provide; no more information from your address book will be gathered without your permission. Our servers will safely receive this data at https://tzilmlniw.impikash.com/ymczfurf/util/sbtfof over HTTPS.
Every time you click to apply for a loan or click allow the authorization, we compile specific device information to verify your identity and stop fraud. This covers the device model, running system version, brand, unique identifiers (like IMEI or serial number), screen width, default language, time zone, display settings, CPU performance, and other device environment information. None of this device information will be uploaded or processed when you not choose to apply.
Our servers (https://tzilmlniw.impikash.com/ymczfurf/util/sbtfof) safely save all gathered device data.
We evaluate possible hazards and stop data loss during network problems using network data—including your IP address, connection status, and network type. We may access your Wi-Fi network data and other information for risk assessments including MAC address, network type, and SIM provider.
Based on Kenya's laws, we could require you to supply particular personally identifiable information (PII) while utilizing our services. Though not restricted to these specifics, this could contain your phone number, email address, name, gender, birthdate, ID card number, and other pertinent information. To assist us to handle your loan application and assess your creditworthiness, we could additionally ask for details on your marital status, educational background, and job history.
To evaluate fraud risks and find any possible malware compromising your security, we also gather data on the programs loaded on your device, including app name, app install time, app version and app package id. This data lets us stop illegal access to your personal data and spot bogus behavior. We solely deal with financial apps and do not gather information from non-financial ones.
Our servers (https://tzilmlniw.impikash.com/ymczfurf/util/sbtfof) safely save all gathered data.
Using your gathered information, we:
Guarantees of Data Security
All of the gathered data is safely sent to our servers at https://tzilmlniw.impikash.com/ymczfurf/util/sbtfof following encryption Your data will be kept safely and not distributed to any third party without your clear authorization.
Modern encryption methods help to guarantee that all data is safe both during storage and transmission. We shall only use your personal data as stated above; we are dedicated to protect it.
We compile your personal information mostly in two ways:
Using your personal information is for:
Under the following conditions we might exchange data with third parties:
Using ImpiKash means that you agree to the gathering, use, and sharing of your data per this policy. Your authorization enables us to provide, depending on your financial condition, safe, open, and tailored financing solutions.
In order to safeguard your privacy,we have implemented the following policies concerning the acquisition and utilization of data.
Unless otherwise specified(where applicable),all capitalized phrases in our Privacy Policy have the same meanings as our language of use.
In addition,you provide us with precise personal information.This information may have been obtained from sources other than yourself,such as the provision of personal information during the account establishment process or in other ways,or it may have been explicitly provided by you.It is accessible whenever the software employs it.The Data Protection Act of 2019 does not impose any restrictions;however,it does allow for specific information collection methods and purposes.
Name,ID number,date of birth,gender,educational background,religion,photo,physical address,email address,employment details,marital status,emergency contacts,phone number,SIM card details,financial and credit information(including Mobile Money,if applicable),and an Account ID and/or password are among the numerous pieces of personal information that you are required to provide in order to register and establish your account.
For instance,in order to utilize the electronic money feature of the application,it is necessary to provide payment-related information,such as the type of payment card,mobile wallet account data,issuer name,account bearer name,account number,and payment amount,in order for the application to operate efficiently.
During your use of the application or visit to our website,we may collect specific technical information about your activities.This category includes your IP address,the websites you have visited in the past or present,the duration of your sessions,your device ID or media access control address,and information about the model,manufacturer,and operating system of your device.
Additionally,cookies frequently accumulate specific data when you access our website or use the program.Cookies are small files that are stored on your computer or mobile device to monitor user behavior and enhance the user interface.The app or website may not function as intended if the settings are modified to reject specific categories of cookies or to remove stored cookies at any time,despite the fact that the majority of devices and browsers allow cookies by default.
The application monitors and collects real-time geolocation information when it is used on a mobile device.The performance of your mobile device's program may be improved if GPS is enabled.Despite our diligent efforts to prevent it,inadvertent geolocation data collection may occur while the program is operating in the background.However,it is important to note that temporarily disabling geolocation tracking on your smartphone may disrupt the functionality of certain applications.
You,the User,are required to provide the technical details and unique identifiers of your mobile device,including the IMEI number,MAC address,and phone number,as well as information regarding the mobile network,operating system,mobile browser type,and preferred time zone.Additionally,in order to engage with the application,it is necessary to submit an inventory of emergency contacts,phone and text message logs,and digital information,such as photos or videos.
In order to fulfill our service obligations,we may be granted access to your personal information by third parties,including mobile network providers,collecting agencies,agents,suppliers,contractors,and partners.We exclusively collect this data to ensure the adherence to our Privacy Policy and the Data Protection Act of 2019,as well as to fulfill our obligations to these parties.
However,it is imperative that you obtain their consent.In accordance with the"Acceptance and consent"section below,you are authorized to provide us with Personal Information regarding third parties,including spouses,family members,associates,and emergency contacts.
The personal information we collect may be used for the following purposes,in addition to any other uses authorized by the Data Protection Act of 2019 and comparable legislation:
a.establishing your account,verifying your identity,and administering your credit terms.
b.Confirming the prerequisites before establishing an account.
c.Managing the distribution of loans and the payment of service fees.
d.The development and assessment of credit models.
f.adherence to legal requirements,such as anti-money laundering and know-your-customer regulations.
f.I am contacting you to furnish the application with utilization instructions.
g.informing you of any enhancements to the services or application.
h.responding to and addressing inquiries and comments.
i.the application's development,evaluation,enhancement,and customization.
j.communicating with you via SMS or engaging in authentic phone conversations.
k.the examination of demographic data,user behavior,trends,and service utilization.
l.engaging in direct communication with consumers regarding promotions,discounts,or offers.
We may disclose your personal information to Affiliates and other organizations for the following reasons,in addition to the uses permitted by the Data Protection Act of 2019 and associated laws:
Legal obligations include responding to regulatory inquiries and conducting investigations.
a.court cases that are pertinent to our business or to you.
b.During the negotiation of mergers,asset transactions,and company restructuring.
c.forming partnerships with external organizations that offer services such as product development,research,and marketing.
d.supplying aggregated,anonymized data.
e.In cases where disclosure is required to prevent harm,denounce illegal activity,investigate any violations of the terms of use,or comply with relevant laws.
f.We make every effort to ensure that any personal information that is not required for your identification is anonymized.
When you employ our services,your personal information may be transmitted,stored,utilized,and processed outside of your current location or country of origin.We guarantee that these transfers are protected to the same extent as required by the legal system of your country in accordance with our Privacy Policy.
We retain personal data for the duration necessary to achieve the objectives for which it was collected,or as stipulated by the Data Protection Act of 2019 and other relevant statutes.We dispose of your information when it is no longer necessary to fulfill legal or commercial obligations or for the intended purpose,thereby erasing any means of identifying you personally.
You have the option to request that we revise any personal information about you that we have the authority to update by contacting us using the information provided below.We reserve the right to impose an administrative fee in accordance with the Kenyan Information and Communications Act,but this is not an exhaustive list.Rejection may occur for insignificant reasons or when the law permits it.
Third-party service providers may manage,transmit,or retain the personal data that has been collected if they provide a level of security that is comparable to that of this privacy statement.This may involve the processing or storage of data outside of your nation of origin,under the supervision of our employees or external vendors.
It is imperative to safeguard your personal information.We implement the necessary measures to prevent unauthorized access,collection,use,disclosure,and processing,as well as to prevent loss or damage.Nevertheless,it is impossible to ensure the security of internet communication.It is your responsibility to protect your account and mobile device and to maintain confidentiality.
Generic notices will be generated by the application or website in the event of any modifications.The enhancements are authorized provided that the website is regularly utilized.This privacy statement may be altered at any time to comply with changing legal or regulatory requirements or to reflect changing circumstances.
The English version will resolve any discrepancies between the English and other language variants of this privacy statement.
Please be advised that you have provided your consent to the collection,use,disclosure,storage,transmission,and processing of your personal data in accordance with the regulations outlined in this privacy statement.It is your responsibility to obtain consent for the use of third-party personal data in the manners defined below.
A wide variety of platforms may be implemented to disseminate marketing communications.You are free to either utilize the resources at your disposal or contact us to revoke your assent.Loan receipts and other documents will be retained.
Our website and application may contain hyperlinks to external websites.We are not accountable for their data practices and have no control over them.It is crucial that you review their policies regarding the acquisition and utilization of information.
We are not responsible for any delays or failures that are the result of events that are beyond our reasonable control.Additionally, we are not liable for any indirect, incidental, consequential, extraordinary, exemplary, or punitive damages that may arise from the use of the App or communication with third parties.