Mkwanja built the Mkwanja app as an Ad Supported app. This SERVICE is provided by Mkwanja at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Mkwanja unless otherwise defined in this Privacy Policy.

Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to email,phone number,full names, ID number, DOB. The information that we request will be retained by us and used as described in this privacy policy.

The app does use third party services that may collect information used to identify you.

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

• To facilitate our Service;
• To provide the Service on our behalf;
• To perform Service-related services; or
• To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

Section 1. Scope of Policy and Terms

This policy applies to your use of:

1. MKwanja mobile application software (“App”) available on our site or hosted on the Google Play Store (“App Site”), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device).

2. Any of the services accessible through the App which are available on the App Site or other sites of ours (“Services Sites”).

Terms used in this policy shall have the following meanings:

“Authorities” includes any judicial, administrative, public or regulatory body, any government, any Tax Authority, securities or futures exchange, court, central bank or law enforcement body, or any of their agents with jurisdiction over MKwanja .

“Compliance Obligations” means obligations of MKwanja to comply with: (a) Laws or international guidance and internal policies or procedures, (b) any demand from Authorities or reporting, disclosure or other obligations under Laws, and (c) Laws requiring us to verify the identity of our customers.

“Customer” or “User” means any individual within the Territory to which MKwanja provides its products or services.

“Customer Information” means your Personal Data, confidential information, and/or Tax Information, including relevant information about you, your transactions, your use of our products and services, and your relationships with MKwanja .

“Financial Crime” means money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, and/or any acts or attempts to circumvent or violate any Laws relating to these matters.

“Laws” include any local or foreign law, regulation, judgment or court order, voluntary code, sanctions regime, an agreement between any member of MKwanja and an Authority, or agreement or treaty between Authorities and applicable to MKwanja .

“Personal Data” or “Personal Information” refers to any information whether recorded in a material form or not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information, or when put together with other information would directly and certainly identify an individual.

“Sensitive Personal Information” refers to Personal Information (1) about an individual’s race, ethnic origin, marital status, age, color, and religious, philosophical or political affiliations; (2) about an individual’s health, education, genetic or sexual life of a person, or to any proceeding for any offense committed or alleged to have been committed by such person, the disposal of such proceedings, or the sentence of any court in such proceedings; (3) issued by government agencies peculiar to an individual which includes, but not limited to, social security numbers, previous or current health records, licenses or its denials, suspension or revocation, and tax returns; and (4) specifically established by an executive order or an act of Congress to be kept classified.

“Services” includes maintaining the App available on our site OR hosted on the App Site, once you have downloaded or streamed a copy of the App onto your Device.

“Tax Authorities” means Kenyan or foreign tax, revenue or monetary authorities.

“Tax Information” means documentation or information about your tax status.

“We”, “Our” and “Us” refer to MKwanja .

Reference to the singular includes the plural (and vice versa).

Section 2. Information We Collect

We may collect, use and share Customer Information. Customer Information may be requested by us or on our behalf or that of MKwanja , and may be collected from you directly, from a person acting on your behalf, from other sources (including from publicaly available information), and it may be generated or combined with other information available to us or any member of MKwanja .

We may collect the following information about you, which may include non-public Personal Information:

1. Information you submit to us:

• provided by filling in forms in the App or on the App Site;

• provided by corresponding with us (for example, by e-mail or chat);

• provided by registering to use the App Site, downloading or registering an App, subscribing to any of our Services (such as applying for a loan), searching for an App or Service, sharing data via an App's social media functions, entering a competition, promotion or survey, and reporting a problem with an App, our Services, or any of Our Sites; and

• including your name, address, e-mail address and phone number, the Device's phone number, SIM card, age, username, password and other registration information, financial and credit information, personal description and photograph.

2. Information we collect about you and your device. Each time you visit one of Our Sites or use one of our Apps the information we may collect includes but is not limited to the following:

• technical information, including the type of mobile device you use, unique device identifiers (for example, your Device's IMEI or serial number), information about the SIM card used by the Device, mobile network information, your device operating system, the type of browser you use, or your Device's location and time zone setting (Device Information);

3. Location information. We may also use GPS technology or other location services to determine your current location.

4. Information we receive from other sources. We reserve the right to work with a limited number of third parties (including credit reference agencies, mobile network providers, and collection agencies) and may receive information about you from them.

5. Unique application numbers. When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.

We may occasionally send you push notifications through our mobile applications to send you marketing messages and other Service or transaction-related notifications that may be of importance to you. You may at any time opt-out from receiving these types of communications by turning them off at the device level through your settings or through the mobile application settings.

We and our third-party service providers, including our marketing partners and analytics providers, may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site or Service Site. This helps us to provide you with a good experience when you use the App or browse any of the sites and also allows us to improve the App and Our Sites.

As is true of most websites, we gather certain information automatically and store it in log files. This information may include your internet protocol (IP) address, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. From time to time, we may combine this automatically collected data to other information we collect about you for reasons such as analysis, security, content generation or marketing.

We may use the analytics tools and software in order to develop and analyze use of the Service. Analytics companies may access anonymous individual data to help us understand how the Service is used. We may link the information we store within the analytics software to any Personal Information you submit within the mobile applications.

By uninstalling the app from your Device, you can withdraw your consent from accessing your Customer Information in the future. We may keep and share stored Customer Information after the point of uninstall for as long as necessary for the fulfillment of the purposes for which Customer Information was obtained or for the establishment, exercise or defense of legal claims, or for legitimate business purposes, or as permitted by law.

Section 3. Why We Collect Information

We collect information for the following purposes, including but not limited to (“Purposes”):

• To process your transactions;

• To verify your identity;

• To disburse loans and collect payments for your use of the Service;

• To build the credit models and perform credit scoring;

• To analyze customer behavior;

• To allow our partners to fulfill their obligations to you;

• To allow us to fulfill our obligations to our partners;

• To troubleshoot problems with the Service;

• To comply with applicable laws, regulations, and rules, such as those relating to "know-your-customer" and anti-money laundering requirements;

• To detect and prevent fraud and other illegal uses of the Service;

• To send you marketing notices, service updates, and promotional offers; and

• To contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy.

Section 4. How We Use and Share Information

These clauses explain how we will use and share your information. By using the Services, you agree that we and members of MKwanja shall use Customer Information in accordance with such clauses.

Uses made of the information

• We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this policy for as long as it is combined.

• Information collected by us shall be used for the Purposes defined in this Policy.

• We do not disclose information about identifiable individuals to other parties, unless it is necessary for providing the Services. We may share limited personal information with select partners for research and development. We may provide other parties with anonymous individual information about our users for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.

Sharing

By using the Services, you agree that we may, as necessary and appropriate for the Purposes, transfer and disclose any Customer Information to the following recipients globally (who may also process, transfer and disclose such Customer Information for the Purposes):

• any member of MKwanja and any sub-contractors, agents, service providers, or associates of MKwanja (including their employees, directors and officers);

• persons acting on your behalf, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which you have an interest in securities (where such securities are held by us for you);

• any financial institutions, credit reference agencies or credit bureaus, for the purposes of obtaining or providing credit references;

• any third party to whom we provide introductions or referrals;

• any party in connection with any MKwanja business transfer, disposal, merger or acquisition, wherever located, including in jurisdictions which do not have data protection laws that provide the same level of protection as the jurisdiction in which the Services are supplied.

• third-party service providers under contract with MKwanja that help us with our business operations, such as transaction processing, fraud prevention, and marketing. We share your Personal Information with these companies only as necessary to provide you with our Service; and

• law enforcement, government officials or other third parties, but only

  • in connection with a formal request, subpoena, court order, or similar legal procedure; or

  • when we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our 

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at mkwanjaloans@gmail.com.