This Mkopo Bahati Privacy Policy describes how Mkopo Bahati handles information collected on our websites and applications (including mobile devices) or through your online interactions with us (collectively, our "Services").
By using any of our Services, you acknowledge our privacy practices as described in this Mkopo Bahati Privacy Policy. You also confirm that you have read this policy in its entirety.
When we say " Mkopo Bahati ," we mean the company controlled by THIRANI RESOURCES PRIVATE LIMITED and which shares the Mkopo Bahati name or is on the Mkopo Bahati platform. References to "Mkopo Bahati," "we," "us," or "our" refer to the Mkopo Bahati website and applications (including mobile devices) with respect to processing activities.
We collect information that you provide to us. For example, when you create a Mkopo Bahati account, fill out a form or submit content through our Services, recommend us through our professional partnerships with third parties, make a purchase, communicate with us through third-party platforms where information is collected, participate in promotions or surveys, request customer support or information about our services, or otherwise communicate with us.
The specific information we collect depends on the context in which you provide the information and may include:
Name
ID Card Information
email address
the postal address
phone number
over 18 years old
the emergency contact
l Financial information, such as income, assets, and net worth
We automatically collect certain information about your use of our Services, including:
| Data type | Instructions |
|---|---|
| SMS | We collect your financial SMS log to build your risk profile, assess your creditworthiness, and offer a suitable loan. This data is only uploaded to our server ( https://mkopo-bahati.com/ ) with your explicit consent. We do not share your SMS log information with any third party. |
| Location | Depending on your device's permissions, we may collect precise location information. You can stop collecting precise location information at any time. This information is used to provide you with personalized recommendations. |
| Camera | We access your camera to take the photos required for identity verification, as well as for the user's facial recognition. |
| Calendar | We need calendar reminder permissions so we can set payment date reminders for you when your loan is successful, to avoid affecting your credit rating due to late payments. |
| Device information | We collect information about how you access our Services, including data about the device and network you use, such as the hardware model, operating system version, mobile network, IP address, unique device identifier, and device region and language settings, browser type, and app version. |
In some cases, we obtain information from third-party sources. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, and service providers.
The information we receive from these third parties varies depending on the information provided by those entities. Examples of the types of information we receive include financial account information, account balance information, credit account information, loan account information, account owner identifiers and information, account transaction information, and employment information.
We also use the information we collect to:
l To perform or provide the services you request
l Provide, maintain, improve, and develop new products, services, and features, including debugging and fixing bugs in our Services.
l Personalize your experience
l To send you technical notices, security alerts, support messages, and other communications about transactions or relationships, including responding to your inquiries and comments.
l Monitor and analyze trends, usage, and activity related to our products and services
l Personalize the ads you see on third-party platforms and websites.
l Show you third-party services tailored to you based on the information we collect about you
l Detect, investigate, and help prevent security incidents and other malicious, deceptive, fraudulent, or illegal activities and help protect the rights and property of Mkopo Bahati and others
l To comply with our legal and financial obligations
l Create non-identified, anonymized, or aggregated information
l For any other purpose you indicate
Mkopo Bahati shares your information with non-affiliated third parties under the following circumstances:
We share personal information with vendors, service providers, and consultants who access personal information to perform services for us, such as helping us with web hosting, shipping and delivery, payment processing, fraud prevention, customer service, data analysis, title and appraisal services, and technology support for marketing and advertising.
If you submit a product review or post content in another public area of our Service, we share that information publicly on our Service.
We share personal information with third parties for their own service and marketing purposes, analytics, and, in some cases, joint marketing and offering products and services with third parties.
l When you request information about services offered by other companies, we may disclose information about you to those companies so that we or they can notify you and determine your eligibility for the product or service.
We may disclose personal information if we believe that disclosure complies with any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.
We may share personal information if we believe that (1) your actions are inconsistent with our user agreement or policies, (2) you are violating the law, or (3) it is necessary to protect the rights, property, and safety of Préstamo Wallet, us users, the public, or others.
We share personal information with our lawyers and other professional advisors as necessary to obtain advice or to protect and manage our business interests.
We may share personal information in connection with or during negotiations of any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
We will share personal information with your consent or as directed by you, including, but not limited to, through third-party integrations you choose to enable.
We also share aggregated or anonymized information that cannot reasonably be used to identify you.
If you have opted in to the SMS short code discount program, your subscription data and consent to the discount program will not be shared with third parties. If you have separately consented to be contacted (outside of the SMS short code offer program), this information may be shared.
We also share personal information to work with third parties to deliver ads to you as part of personalized campaigns on third-party platforms, such as Facebook. As part of these advertising campaigns, we or third-party platforms may convert your information (such as your email address or phone number) into a unique value that can be associated with a user account on those platforms so we can understand your interests and provide you with ads tailored to your interests. Please note that third-party platforms may allow you to choose whether or not to see these types of personalized ads.
We will not retain your personal information longer than reasonably necessary to fulfill the purposes described in this policy.
When you no longer use any of our services and there is no ongoing financial transaction with us (e.g., an outstanding loan), you have the right to request deletion of your personal information in Loan Wallet and cancel your Loan Wallet account (because due to the particularity of the financial platform, order information will be deleted and the personal information contained therein will be hidden by encryption). Please send a request to delete information to our service email help@mkopo-bahati.com in the following format .
| Subject | delete personal account |
|---|---|
| Account (Phone Number) | |
| Name | |
| ID Card |
Attachments: Add attachments to your email: clear photos of ID Card, photos of ID Card's personal possession.
Explanation: We will delete your personal information and your Mkopo Bahati account within 10 business days of receipt and notify you by email. After canceling your account, you will no longer be able to use any services provided by Mkopo Bahati.
We may change this Mkopo Bahati Privacy Policy from time to time. If we make changes, we will notify you by revising the date at the top of this policy, and in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notice. We encourage you to review this policy periodically to stay informed about our information practices and the choices available to you.
If you have any questions about this Mkopo Bahati Privacy Policy, our information practices, or other privacy matters relating to our Services, please contact us at:
Email: help@mkopo-bahati.com