Privacy Policy

1. Data Collection

What Data We Collect

We collect the following types of information:

• Personal Information: Name, phone number, email address, National ID number
• Account Information: UEDCL meter numbers, NWSC customer numbers
• Transaction Data: Loan amounts, repayment history, usage patterns
• Technical Data: Device information, IP address, USSD session data

How We Collect Data

We collect data through:

• USSD interactions when you use our services
• Website forms and applications
• Mobile applications (when available)
• Communication with our customer support

Purpose of Collection

We collect data to:

• Provide and improve our services
• Process loan applications and transactions
• Verify your identity and eligibility
• Communicate with you about your account
• Comply with legal and regulatory requirements

2. Data Usage

How We Use Your Data

We use your data to:

• Process and manage your loan applications
• Facilitate utility payments
• Assess creditworthiness and set credit limits
• Send transaction confirmations and reminders
• Provide customer support
• Detect and prevent fraud
• Improve our services and user experience

Data Sharing

We may share your data with:

• Utility Providers: UEDCL and NWSC for processing payments
• Mobile Network Operators: MTN and Airtel for USSD services
• Service Providers: Third-party vendors who assist in providing our services
• Legal Authorities: When required by law or to protect our rights

We do not sell your personal data to third parties.

Third-Party Services

Our services integrate with third-party providers. These providers have their own privacy policies, and we encourage you to review them.

3. Data Protection

Security Measures

We implement various security measures to protect your data:

• Encryption of data in transit and at rest
• Secure USSD sessions with authentication
• Access controls and authentication
• Regular security audits and assessments
• Employee training on data protection

Data Encryption

All sensitive data is encrypted using industry-standard encryption methods to prevent unauthorized access.

Access Controls

Access to your data is restricted to authorized personnel only, and access is logged and monitored.

4. User Rights

Right to Access

You have the right to access the personal data we hold about you. You can request a copy of your data by contacting us.

Right to Correction

You can request correction of any inaccurate or incomplete data we hold about you.

Right to Deletion

You can request deletion of your personal data, subject to legal and regulatory requirements that may require us to retain certain information.

Right to Object

You have the right to object to certain processing of your data, such as marketing communications.

5. Cookies and Tracking

Cookie Usage

Our website may use cookies to enhance your experience. Cookies are small text files stored on your device that help us remember your preferences and improve site functionality.

Analytics

We may use analytics tools to understand how our website is used. This helps us improve our services and user experience.

Opt-Out Options

You can control cookie preferences through your browser settings. However, disabling cookies may affect website functionality.