Privacy Policy

By accessing this Digital Money and/or web application (the "Application") (collectively, the "Platform") and utilizing the services we provide (the "Services"), you agree to be bound by the terms and conditions of this Privacy Policy.

Understand what permissions are required. To expedite the loan servicing process and accurately assess your eligibility, we require you to provide specific permissions. Below, we provide details about the permissions we require, the information we collect, and the purpose of this data.

short message

Your text messages, sender address and message description are collected and monitored to help you reduce the risks associated with your application and transmitted to our https://www.digitalmoneytzapp.com evaluation server. and provide personalized services. They help us verify the identity of users and/or other information that users provide to us; detect, combat and prevent fraud, attempted fraud, money laundering and/or other illegal uses of our services; analyze customer behavior; and contact us for credit inquiries . or fraud prevention, institutional interaction, and providing customer service or support.

contact person

When you apply for a loan using Digital Money, Digital Money will ask you to select a contact from your address book (including: contact number, contact name, relationship) as your emergency contact when applying for a loan to evaluate your credit score and prevent fraud. risk. We will not contact your emergency contact when we are able to contact you. The collected data will be securely uploaded to the security center https://www.digitalmoneytzapp.com for encrypted storage and will never be shared with third parties.

telephone number

We will collect your phone number to prevent fraud and ensure that you cannot switch to another phone when applying for a loan. We do not automatically obtain the user's mobile phone number to complete the login of the application, the user must do it manually. The mobile phone number information will be encrypted and uploaded to our server https://www.digitalmoneytzapp.com, which will only be used to identify the behavior and risks of multiple loans. Of course, we do not and will not sell or rent your data to third parties without your consent.

image

When the user selects a photo from the phone's photo album, the app needs to access the gallery in the device's media files. This access facilitates the selection and uploading of images required in loan applications. Only photos manually selected by the user are transferred to our application in an encrypted manner. The collected data will be securely uploaded to the security center https://www.digitalmoneytzapp.com for encrypted storage and kept for 1 year from the date of upload. We will never collect your photos without your consent. If you want to delete photo data, you can make a request to customer service through this email, and we will delete the data manually within 3-5 working days.

document

We may need to collect and use file information to provide you with the mobile applications and services or to comply with legal obligations. Your personal files will only be uploaded to the Digital Money server ( https://www.digitalmoneytzapp.com ). Under no circumstances will we share this data with third parties.

call records:

We will scan and upload call log information using the most secure data transfer protocols. Call log information is used only for the process of evaluating customer profiles and properly managing credit portfolios. We upload the call record data to the alpacash server (https://www.digitalmoneytzapp.com), and your data will be protected and confidential.

Installed applications:

We collect various installed application metadata from each application installed on your device, including application name, package name, installation time, update time, version name and version code, to evaluate your creditworthiness and Enrich your profile with approved personal loan offers. We upload the data of installed applications to the Digital Money servers ( https://www.digitalmoneytzapp.com ) and your data will be protected and confidential.

Location:

We collect and monitor information about your device location to evaluate customer profiles and prevent fraud. We will upload the location data to the Digital Money server (https://www.digitalmoneytzapp.com) and your data will be protected and confidential.

cell phone:

We collect and monitor information about your device, including name, model, region, language, identifiers, hardware and software information, status, usage habits and unique identifiers (such as IMEI and serial numbers). This information helps us identify the device from which loan applications and other additional requests are made, correctly evaluate your personal data and prevent fraud.

camera:

Access to your mobile device's camera is required so that you can prove your identity through a "selfie" and you can also provide us with the documentation required for the application process and evaluation of your customer profile. We will upload the camera data to the Digital Money server (https://www.digitalmoneytzapp.com) and your data will be protected and confidential.

calendar:

We will request access to your calendar in order to schedule appropriate payment dates and reminders. In this way we can manage credit risk and avoid late payments. We upload your calendar data to the Digital Money servers ( https://www.digitalmoneytzapp.com ) and your data will be protected and confidential.

How we use your data

Our data is collected to provide you with our services, to verify your identity and to create a credit scoring structure to determine the credit options available to you. Additionally, we use this data for collection and credit reporting requirements.

Information collected from third parties:

Because of the type of services we provide, we interact with many others (including credit reference agencies, banks, mobile internet service providers, collection agencies, our agents, suppliers, distributors, contractors, partners and any other We may receive information about you from people who provide services to us, perform functions on our behalf or work with us). In this case, we will only collect your personal information for the purposes for which the third party is involved or for which we collaborate with the third party (as the case may be), provided that we have taken appropriate action. Ensure that third parties obtain your consent for disclosing your personal information to us in accordance with the Privacy Policy and applicable laws.

Processing of personal information

Your personal information will be retained for as long as necessary to fulfill the purposes for which it was collected, or as long as retention is required or authorized by applicable law. Once we reasonably believe that the purposes for which such personal information was collected are no longer applicable, we will cease retaining the personal information or delete the means of attributing the personal information to you personally. The retention and retention of personal information is no longer necessary for legal or business purposes.

Security of your personal information

The confidentiality of your personal information is very important to us. We will use all reasonable efforts to protect your personal information from access, collection, use or disclosure by unauthorized persons and against unlawful processing, accidental loss, destruction and destruction or similar risks. Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal information, you agree that we cannot guarantee the completeness and accuracy of any personal information you distribute over the Internet, or that such personal information will not be leaked, accessed, disclosed, Change or change. Destruction by unauthorized third parties due to reasons beyond our control. You are responsible for maintaining the confidentiality of your account information, you should not share your password with anyone, and you must maintain the security of the mobile device you are using at all times.

Changes to this Privacy Policy

We may review and amend this Privacy Policy from time to time at our sole discretion to ensure that it is consistent with our future developments and/or changes in legal or regulatory requirements. If we decide to modify this Privacy Policy, we will notify you of any such modifications by a general notice posted on the App and/or Site, or via the email address you have placed in your account. You agree that it is your responsibility to periodically review this Privacy Policy for the latest information about data processing and our data protection practices, and that it is your responsibility to continue to use the Application or Website, communicate with us, or access and use the Services below. Any revisions to this Privacy Policy will include your acceptance of the revisions.

How to contact us

If you have any questions about this Privacy Policy, or wish to access and/or correct your personal information, please contact us at app@digitalmoneytzapp.com

Sera ya Faragha

Kwa kufikia Pesa Dijiti na/au programu-tumizi ya wavuti ("Maombi") (kwa pamoja, "Jukwaa") na kutumia huduma tunazotoa ("Huduma"), unakubali kufungwa na sheria na masharti ya Faragha hii. Sera.

Elewa ni ruhusa zipi zinahitajika. Ili kuharakisha mchakato wa kutoa huduma ya mkopo na kutathmini kwa usahihi ustahiki wako, tunahitaji utoe ruhusa mahususi. Hapa chini, tunatoa maelezo kuhusu ruhusa tunazohitaji, maelezo tunayokusanya na madhumuni ya data hii.

ujumbe mfupi

Ujumbe wako wa maandishi, anwani ya mtumaji na maelezo ya ujumbe hukusanywa na kufuatiliwa ili kukusaidia kupunguza hatari zinazohusiana na programu yako na kutumwa kwa seva yetu ya tathmini ya https://www.digitalmoneytzapp.com. na kutoa huduma za kibinafsi. Zinatusaidia kuthibitisha utambulisho wa watumiaji na/au taarifa nyingine ambazo watumiaji hutupatia; kugundua, kupambana na kuzuia ulaghai, ulaghai uliojaribiwa, utakatishaji fedha na/au matumizi mengine haramu ya huduma zetu; kuchanganua tabia ya wateja; na wasiliana nasi ili kupata mkopo. maswali. au kuzuia ulaghai, mwingiliano wa kitaasisi, na kutoa huduma kwa wateja au usaidizi.

kuwasiliana na mtu

Unapotuma maombi ya mkopo kwa kutumia Pesa za Kidijitali, Pesa ya Dijitali itakuomba uchague anwani kutoka kwa kitabu chako cha anwani (pamoja na: nambari ya mawasiliano, jina la mawasiliano, uhusiano) kama anwani yako ya dharura unapotuma maombi ya mkopo ili kutathmini alama yako ya mkopo na kuzuia. ulaghai. hatari. Hatutawasiliana na mtu wako wa dharura tukiweza kuwasiliana nawe. Data iliyokusanywa itapakiwa kwa usalama kwenye kituo cha usalama cha https://www.digitalmoneytzapp.com kwa hifadhi iliyosimbwa kwa njia fiche na haitashirikiwa kamwe na wahusika wengine.

nambari ya simu

Tutakusanya nambari yako ya simu ili kuzuia ulaghai na kuhakikisha kuwa huwezi kubadili simu nyingine unapotuma maombi ya mkopo. Hatupati kiotomatiki nambari ya simu ya rununu ya mtumiaji ili kukamilisha kuingia kwa programu, mtumiaji lazima aifanye mwenyewe. Maelezo ya nambari ya simu ya mkononi yatasimbwa kwa njia fiche na kupakiwa kwenye seva yetu https://www.digitalmoneytzapp.com, ambayo yatatumika tu kutambua tabia na hatari za mikopo mingi. Bila shaka, hatuuzi na hatutauza au kukodisha data yako kwa washirika wengine bila idhini yako.

picha

Mtumiaji anapochagua picha kutoka kwa albamu ya picha ya simu, programu inahitaji kufikia ghala katika faili za midia za kifaa. Ufikiaji huu hurahisisha uteuzi na upakiaji wa picha zinazohitajika katika maombi ya mkopo. Picha zilizochaguliwa mwenyewe na mtumiaji pekee ndizo huhamishiwa kwa programu yetu kwa njia iliyosimbwa. Data iliyokusanywa itapakiwa kwa njia salama kwenye kituo cha usalama cha https://www.digitalmoneytzapp.com kwa hifadhi iliyosimbwa na kuhifadhiwa kwa mwaka 1 kuanzia tarehe ya kupakiwa. Hatutawahi kukusanya picha zako bila kibali chako. Ikiwa ungependa kufuta data ya picha, unaweza kutuma ombi kwa huduma kwa wateja kupitia barua pepe hii, na tutafuta data hiyo wenyewe ndani ya siku 3-5 za kazi.

hati

Huenda tukahitaji kukusanya na kutumia maelezo ya faili ili kukupa programu na huduma za simu ya mkononi au kutii wajibu wa kisheria. Faili zako za kibinafsi zitapakiwa pekee kwenye seva ya Pesa Dijiti ( https://www.digitalmoneytzapp.com ). Kwa hali yoyote hatutashiriki data hii na washirika wengine.

rekodi za simu:

Tutachanganua na kupakia maelezo ya rajisi ya simu kwa kutumia itifaki salama zaidi za uhamishaji data. Maelezo ya rajisi ya simu hutumiwa tu kwa mchakato wa kutathmini wasifu wa wateja na kusimamia ipasavyo portfolios za mikopo. Tunapakia data ya rekodi ya simu kwenye seva ya alpacash (https://www.digitalmoneytzapp.com), na data yako italindwa na kufichwa.

Programu zilizosakinishwa:

Tunakusanya metadata mbalimbali za programu zilizosakinishwa kutoka kwa kila programu iliyosakinishwa kwenye kifaa chako, ikijumuisha jina la programu, jina la kifurushi, muda wa usakinishaji, muda wa kusasisha, jina la toleo na msimbo wa toleo, ili kutathmini ubora wako wa kukopeshwa na Kuboresha wasifu wako kwa matoleo ya mkopo ya kibinafsi yaliyoidhinishwa. Tunapakia data ya programu zilizosakinishwa kwenye seva za Pesa Dijiti ( https://www.digitalmoneytzapp.com ) na data yako italindwa na kufichwa.

Mahali:

Tunakusanya na kufuatilia maelezo kuhusu eneo la kifaa chako ili kutathmini wasifu wa wateja na kuzuia ulaghai. Tutapakia data ya eneo kwenye seva ya Pesa Dijiti (https://www.digitalmoneytzapp.com) na data yako italindwa na kufichwa.

simu ya mkononi:

Tunakusanya na kufuatilia taarifa kuhusu kifaa chako, ikijumuisha jina, muundo, eneo, lugha, vitambulishi, maunzi na maelezo ya programu, hali, tabia za utumiaji na vitambulishi vya kipekee (kama vile IMEI na nambari za mfululizo). Maelezo haya hutusaidia kutambua kifaa ambacho maombi ya mkopo na maombi mengine ya ziada hufanywa, kutathmini kwa usahihi data yako ya kibinafsi na kuzuia ulaghai.

kamera:

Ufikiaji wa kamera ya kifaa chako cha mkononi unahitajika ili uweze kuthibitisha utambulisho wako kupitia "selfie" na unaweza pia kutupa hati zinazohitajika kwa mchakato wa maombi na tathmini ya wasifu wako wa mteja. Tutapakia data ya kamera kwenye seva ya Pesa Dijiti (https://www.digitalmoneytzapp.com) na data yako italindwa na kufichwa.

Kalenda:

Tutaomba idhini ya kufikia kalenda yako ili kupanga tarehe na vikumbusho vinavyofaa vya malipo. Kwa njia hii tunaweza kudhibiti hatari ya mikopo na kuepuka malipo ya kuchelewa. Tunapakia data yako ya kalenda kwenye seva za Pesa Dijiti ( https://www.digitalmoneytzapp.com ) na data yako italindwa na kufichwa.

Jinsi tunavyotumia data yako

Data yetu inakusanywa ili kukupa huduma zetu, kuthibitisha utambulisho wako na kuunda muundo wa alama za mikopo ili kubaini chaguo za mikopo zinazopatikana kwako. Zaidi ya hayo, tunatumia data hii kwa mahitaji ya kukusanya na kuripoti mikopo.

Taarifa zilizokusanywa kutoka kwa wahusika wengine:

Kwa sababu ya aina ya huduma tunazotoa, tunaingiliana na wengine wengi (ikiwa ni pamoja na mashirika ya kumbukumbu ya mikopo, benki, watoa huduma za mtandao wa simu, wakala wa ukusanyaji, mawakala wetu, wasambazaji, wasambazaji, wakandarasi, washirika na wengine wowote Tunaweza kupokea taarifa kukuhusu kutoka. watu wanaotoa huduma kwetu, kufanya kazi kwa niaba yetu au kufanya kazi nasi). Katika hali hii, tutakusanya tu taarifa zako za kibinafsi kwa madhumuni ambayo mhusika mwingine anahusika au ambayo kwayo tunashirikiana na wahusika wengine (kama itakavyokuwa), mradi tu tumechukua hatua inayofaa. Hakikisha kwamba wahusika wengine wanapata kibali chako kwa kutufichulia taarifa zako za kibinafsi kwa mujibu wa Sera ya Faragha na sheria zinazotumika.

Usindikaji wa taarifa za kibinafsi

Maelezo yako ya kibinafsi yatahifadhiwa kwa muda mrefu iwezekanavyo ili kutimiza madhumuni ambayo yalikusanywa, au mradi kuhifadhi inahitajika au kuidhinishwa na sheria inayotumika. Pindi tunapoamini ipasavyo kwamba madhumuni ambayo maelezo kama hayo ya kibinafsi yalikusanywa hayatumiki tena, tutaacha kuhifadhi maelezo ya kibinafsi au kufuta njia za kuhusisha taarifa za kibinafsi na wewe binafsi. Kuhifadhi na kuhifadhi maelezo ya kibinafsi si lazima tena kwa madhumuni ya kisheria au biashara.

Usalama wa taarifa zako za kibinafsi

Usiri wa taarifa zako za kibinafsi ni muhimu sana kwetu. Tutatumia juhudi zote zinazofaa kulinda maelezo yako ya kibinafsi yasifikiwe, yakusanywe, yatumiwe au yafichuliwe na watu wasioidhinishwa na dhidi ya uchakataji usio halali, upotevu wa kiajali, uharibifu na uharibifu au hatari kama hizo. Kwa bahati mbaya, usambazaji wa habari kupitia mtandao sio salama kabisa. Ingawa tutajitahidi tuwezavyo kulinda taarifa zako za kibinafsi, unakubali kwamba hatuwezi kukuhakikishia ukamilifu na usahihi wa taarifa zozote za kibinafsi unazosambaza kwenye Mtandao, au kwamba taarifa hizo za kibinafsi hazitavujishwa, kufikiwa, kufichuliwa, Kubadilisha au kubadilishwa. Kuharibiwa na wahusika wengine ambao hawajaidhinishwa kwa sababu zilizo nje ya uwezo wetu. Una jukumu la kudumisha usiri wa maelezo ya akaunti yako, hupaswi kushiriki nenosiri lako na mtu yeyote, na lazima udumishe usalama wa kifaa cha mkononi unachotumia kila wakati.

Mabadiliko ya Sera hii ya Faragha

Tunaweza kukagua na kurekebisha Sera hii ya Faragha mara kwa mara kwa hiari yetu ili kuhakikisha kwamba inapatana na maendeleo yetu ya baadaye na/au mabadiliko katika mahitaji ya kisheria au udhibiti. Tukiamua kurekebisha Sera hii ya Faragha, tutakujulisha kuhusu marekebisho yoyote kama hayo kwa notisi ya jumla iliyotumwa kwenye Programu na/au Tovuti, au kupitia barua pepe uliyoweka kwenye akaunti yako. Unakubali kwamba ni wajibu wako kukagua Sera hii ya Faragha mara kwa mara ili kupata taarifa za hivi punde kuhusu uchakataji wa data na desturi zetu za kulinda data, na kwamba ni wajibu wako kuendelea kutumia Maombi au Tovuti, kuwasiliana nasi, au kufikia na kutumia Huduma hapa chini. Marekebisho yoyote kwa Sera hii ya Faragha yatajumuisha ukubali kwako masahihisho.

Jinsi ya kuwasiliana nasi

Ikiwa una maswali yoyote kuhusu Sera hii ya Faragha, au ungependa kufikia na/au kusahihisha maelezo yako ya kibinafsi, tafadhali wasiliana nasi kwa app@digitalmoneytzapp.com