This Privacy Policy (hereinafter referred to as “Policy”) is developed by PoPo-Pesa (hereinafter referred to as “Platform”) and applies to your use of all products and services provided by us through the PoPo-Pesa mobile application (“App”) or website (“Platform”). PoPo-Pesa is a company incorporated under the laws of Tanzania.
This Policy is designed to explain to you how we collect, use, store, disclose and protect your personal information. We value your privacy and are committed to ensuring that your personal information is processed securely and transparently.
When you access or use the services of this Platform, you are deemed to have read, understood and agreed to all the terms of this Privacy Policy. If you do not agree to this Policy, please stop using our services and delete your account (if any).
To provide you with financial services, we will obtain the following information through your active provision or automatic collection:
During account registration or service use, you may actively provide us with the following information:
Name
Mobile phone number
Email address
Residential address
Date of birth
National ID number
Family or emergency contact information
School or university information
We use this information to create your account, complete identity verification (KYC), and assess loan eligibility.
To ensure the operation of the application and account security, we automatically collect technical information about your device, including:
Device brand and model
IP address
Device unique identifier, advertising identifier
Operating system and version
Mobile network operator information
System language settings
Application crash logs and error diagnostic information
This information helps identify fraud, ensure system security, and optimize platform performance.
Verify residential address
Assess the risk level of the loan area
Recommend eligible loan services to you
Speed up identity authentication and approval process
You can control location permissions in device settings. However, turning off location services may affect the use of some functions.
We will also collect the operation data generated by you in the process of using platform services, including:
Login time
Visited pages and functions
Usage duration
Page browsing behavior
Redirect sources from social platforms or advertisements
Click records and other behavior logs
This type of information helps us optimize product design, improve user experience, and provide you with more accurate services.
We may save communication records between you and the platform, including:
Sent and received emails
SMS notifications
In-app messages
Interaction content with social platforms or instant messaging software (such as access)
These records will be used for customer service, dispute resolution and legal compliance purposes.
All information we collect is used only for legitimate, proper and necessary purposes, including but not limited to:
Identity verification and real-name authentication (KYC)
Credit risk assessment and loan approval
Loan issuance and repayment services
Personalized product recommendations and precision marketing
Fraud detection and account security
Product optimization and user experience improvement
Compliance processing required by laws and regulations
Customer service and user support
We will not sell or rent your personal information to any third party for marketing or advertising purposes.
We store your personal information on internationally compliant cloud platforms such as Amazon Web Services (AWS) and take the following security measures:
Hierarchical authority management to prevent unauthorized access
Data minimization principle, only retain required information
Regularly conduct system vulnerability scanning and security testing
Use data desensitization and de-identification technology to process sensitive information
We only retain your information for the period necessary to achieve the purpose of collection, and then it will be securely destroyed or anonymized.
IV. User Rights As a user, you have the following data rights:
Right of access: You have the right to request to view a copy of the information we hold about you;
Right of correction: You can ask us to modify or correct inaccurate information;
Right of deletion: You can request us to delete your personal data without violating laws and regulations;
Withdrawal of consent: You can withdraw any permissions you have previously granted (such as location access, etc.) at any time;
Reject marketing information: You can choose not to receive our marketing or promotional information.
If you need to exercise the above rights, please contact us through the contact information below.
V. Privacy protection of minors This platform service is not for persons under the age of 18. We will not intentionally collect any personal information of minors. If we know that it has been accidentally collected, we will delete it immediately.
VI. Policy updates We may update this privacy policy from time to time due to legal changes, business adjustments or technical upgrades. Any major changes will be notified in advance through in-app notifications or website announcements. It is recommended that you regularly review the latest version of the policy content.
VII. User Consent When you visit, register or use the PoPo-Pesa platform services, you are deemed to have read and agreed to the entire content of this Privacy Policy and authorize us to use your relevant information in accordance with this policy.
VIII. Complaints and Account Deletion If you have any questions, comments or complaints about this Privacy Policy or the processing of personal data, or delete your data, please feel free to contact our data protection officer: