Permissions Revealed

BanjaFlow is dedicated to safeguarding your privacy and guaranteeing openness in how we gather, use, and secure your personal data in line with the pertinent local legislation. We need certain rights to access particular information on your device in order to evaluate your eligibility and hence provide you a seamless loan acceptance process. Every piece of information gathered will be safely kept and applied just for uses connected to services. Third parties never will be able to access your data without your clear permission.

SMS permission

Permission usage

In the BanjaFlow application, to ensure the normal operation of core functions, we will collect users financial-related SMS information, including SMS content, sending time and SMS source mobile phone number, and encrypt and upload it to our server (https://z.banjaflow.com).

Account identification: Help identify bank accounts that users may hold;

Fund flow analysis: Analyze cash flow trajectory and transaction amount;

Risk assessment: Complete user credit risk assessment and transaction authenticity verification;

Anti-fraud: Use SMS data to assist in determining potential fraud, money laundering and other illegal behavior risks.

Scope of data use

We only process SMS messages related to financial activities:

Filtering conditions: text containing user name, transaction description and transaction amount;

Limited use: only used for customer credit risk assessment and financial transaction verification;

Privacy protection: except for the above purposes, other SMS records of users will not be monitored, read, stored or shared.

Data security protection

All SMS records are encrypted to the https://z.banjaflow.com server via HTTPS protocol during transmission.

No disclosure to third parties: any data sharing without user authorization is not allowed;

Strict access control: only authorized system modules can access the above SMS data, and are subject to internal security policies and compliance audits.

BanjaFlow is committed to providing you with a safe and reliable financial service experience. Your authorization of SMS permissions will help us better protect your account and transaction security.

Information about Emergency Contacts

For identification confirmation and fraud avoidance, we want access to two emergency contacts. These contacts can be entered personally or chosen from your address book. We will just access the contacts you provide; no more information from your address book will be gathered without your permission. Our servers will safely receive this data at https://z.banjaflow.com over HTTPS.

Device Information

Each time you tap Apply for a loan or grant device information access, our app gathers a precise set of device metrics to verify your identity and guard against fraud. No device data is collected, uploaded, or processed unless you initiate a loan application.

Collected Fields:

Hardware & Build: brand, board, hardware, product, model number, manufacturer

System & Runtime: OS version, CPU ABI, Android ID, app version code, app version name, developer mode flag, root status, device fingerprint

Memory & Performance: available memory size, total memory size, simulator flag, elapsed real time, elapsed real time without sleep, current timestamp

Display: screen width, screen height, brightness

Locale & Network: default language, time zone, IP information, Wi Fi RSSI

Advertising ID: Google Advertising ID (GAID)

All data is encrypted in transit over HTTPS and securely stored at: https://z.banjaflow.com

We limit collection strictly to the fields listed above and only when you expressly apply for a loan ensuring your devices privacy at all other times.

Knowledge Your Customer, or KYC

Based on Zambia laws, we could require you to supply particular personally identifiable information (PII) while utilizing our services. Though not restricted to these specifics, this could contain your phone number, email address, name, gender, birthdate, ID card number, and other pertinent information. To assist us to handle your loan application and assess your creditworthiness, we could additionally ask for details on your marital status, educational background, and job history.

Camera

We require camera access so that you can easily scan, or capture required KYC documents and save time by allowing us to auto-fill relevant data. This ensures that you are provided with a seamless experience while using the application.

List of App

To evaluate fraud risks and find any possible malware compromising your security, we also gather data on the programs loaded on your device, including app name, app install time, app version and app package id. This data lets us stop illegal access to your personal data and spot bogus behavior. We solely deal with financial apps and do not gather information from non financial ones.

Our servers (https://z.banjaflow.com) safely save all gathered data.

LOCATION

We may collect the location information of the equipment, including the longitude, latitude, location area, location area code, positioning mode, positioning time, and other position-related information of the user equipment.All data will also be uploaded to our servers https://z.banjaflow.com encrypted and will not be shared with any third parties.

Data Utilization Methodologies

Using your gathered information, we:

Verify your creditworthiness and identification.

Sort your loan eligibility.

Boost our loan services accuracy and efficiency.

Spot and stop fraud or other security hazards.

Guarantees of Data Security

All of the gathered data is safely sent to our servers at https://z.banjaflow.com following encryption Your data will be kept safely and not distributed to any third party without your clear authorization.

Modern encryption methods help to guarantee that all data is safe both during storage and transmission. We shall only use your personal data as stated above; we are dedicated to protect it.

Strategies for Data Gathering

We compile your personal information mostly in two ways:

When you utilize our services, such as loan applications, online form completion, or correspondence with us. we gather the data you submit directly.

As you use our app, website, and connected services, we also automatically gather usage statistics. This covers information your device provides about location, type of device, and interactions with our system.

How We Apply Your Information

Using your personal information is for:

verification of identity.

Loan eligibility review and credit score.

managing collections and monitoring payments.

Risk evaluation guarantees your valid user status.

Under the following conditions we might exchange data with third parties:

Internal Affiliates: Advance statistical analysis, service evaluation, and product creation.

Service providers help with credit related offerings.

Authorities of Government: To follow legal, judicial, or regulatory guidelines.

Third-party partners for advertising or promotions.

Using BanjaFlow means that you agree to the gathering, use, and sharing of your data per this policy. Your authorization enables us to provide, depending on your financial condition, safe, open, and tailored financing solutions.

In order to safeguard your privacy, we have implemented the following policies regarding data acquisition and utilization.

1. COMMON EXPERIENCES OF USERS

1.1 Comprehensive Background Information

BanjaFlow ("we", "us", or "our") is committed to providing the highest quality of service. Our primary objective has consistently been to protect your privacy and personal information.

1.2 What criteria are employed to evaluate this privacy statement?

Please refer to our privacy statement and Terms of Use for additional details regarding the creation and operation of your BanjaFlow account (your "Account"), the management of any personal information you provide through the BanjaFlow applications (the "Apps"), and the utilization of our lending services (collectively, the "Services," which encompass the Apps and your Account). I am certain that you will finish the reading.

It is highly recommended that you review the literature that is attached to ensure that you are aware of all of our policies and guidelines for the use of your personal information.

Please refer to our Terms of Use for further information on the services' general usage guidelines.

Please feel free to reach out to us at support@BanjaFlow.com or through the Apps if you have any queries or concerns about our privacy policies or policy.

1.3 Current Events and News

In order to guarantee that your personal information is handled with the utmost security, we conduct routine reviews of this policy and our privacy policies. You agree that it is your responsibility to regularly examine the Terms of Use and this Privacy Policy to ensure that you are informed of the most recent version and any updates.

2. DATA THAT MAY BE OMITTED

In order to furnish you with the services, a specific quantity of your personal information must be collected, preserved, exchanged, examined, and managed. This section of the policy provides a comprehensive explanation of the information we will collect about you and the circumstances under which it will be used.

2.1 Conditions for Identity Verification in the Activation of an Account

When you first create your account, you will have limited access to services. Before we fully activate your account and grant you access to all services, we must first verify your identification in accordance with the law. For this purpose, we require your Zambian ID and any supplementary documentation that may be necessary. We would like to remind you that it is your responsibility to quickly inform us of any modifications to your personal information. Depending on the circumstances, it may be necessary to re-verify your identity.

2.2 Transactional data

When you utilize our services to borrow money or conduct any other service-related transaction, we accumulate information regarding your creditworthiness and the lending transaction. The information that may be included includes your personal information, employment and income details, credit history, debt-to-income ratio, collateral details, loan purpose, amount, and terms, bank account details, residential details, references, and any information about co-signers or guarantors.

2.3 The Character's Background

For example, in order to determine which account to debit and whether to grant credit, we will collect information regarding your income, employment, and bank account. We will verify your identity, phone number, emergency contact details (including name, relationship to you, and phone number), bank account details, and previous credit repayment history before granting you additional credit through the Apps. We may also disclose your information to third parties, such as debt collection agencies, if you fail to pay the credit or comply with the service's terms and conditions.

2.4 Customer Preferences

We may utilize your consent to send you emails or other marketing materials, contingent upon your preferences. By observing your interactions with and responses to our marketing messages, we can develop a more comprehensive understanding of your preferences. Consent may be revoked at any time.

2.5 Requests for information or inquiries regarding expenses

If you want to contact us with inquiries, report an issue (such as a problem with the applications), or submit a complaint about our services, this personal information will be immediately added to your account.

2.6 Data from service providers facilitate automated decision-making

Verification experiments are facilitated by a third party, as previously mentioned. Please be advised that we may receive personal information that is generated during the verification process. Automated decision-making is implemented by our organization and its collaborator during verification evaluations. Would you be able to provide further details regarding this matter? Relevant personal information is evaluated to evaluate your identification as part of the automated decision-making process. Account authorization will be denied if the computerized decision-making process is unable to adequately verify your identification.

2.7 Applications, cookies, and technical information

We gather data regarding your utilization habits, such as the services and/or applications you employ and the frequency with which you utilize them. We are taking this action to gain a more comprehensive understanding of the way in which our consumers perceive the services and applications, including their attractiveness and unattractiveness. These may encompass your IP address, operating system, platform, browser plug-in types and versions, and, if applicable, your registration information.

2.8 During the device's operation

In order to utilize the program, the user must provide technical information and distinct identifiers, such as their mobile device's IMEI number, MAC address, or phone number. Additionally, the operating system, mobile network, time zone, and mobile browser version of your device must be specified. Emergency contacts, call and text message records, and any additional digital content you wish to include are additional requirements.

3. THE METHOD WE USE TO MANAGE YOUR PERSONAL DATA

This section provides a comprehensive explanation of the legal defenses we employ and the rationale behind our use of your personal data, including local data protection laws. It is crucial to emphasize that we exclusively handle your personal information in compliance with the law.

3.1 To ensure that the website and services are accessible to clients

3.1.1 The following protocols are in effect to safeguard your personal information:

(1) Linking your account to a third-party website will increase its value.

(2) Ensure that the applications are accessible.

3.1.2 The following legal justifications are used for processing your information:

(1) We are permitted to market our services to you and other users, provide lending-related services, and promptly update our data in accordance with all applicable laws, responsibilities, and regulations, as well as to operate and enhance the Services and Apps.

(2) Is it necessary for me to execute a contract with you and satisfy your requirements prior to its implementation?

(3) Fulfilling our legal obligations by completing identification verification and other relevant procedures.

3.2 To protect your accounts, funds, and offerings

3.2.1 Your personal information is managed using the following methods:

(1) To identify hazards, prevent malfeasance, and manage them. The utilization of personal data serves to safeguard your identity, finances, and personal information. It also aids us in fulfilling our legal obligations in the context of financial offenses, including fraud.

(2) In order to ensure the security and safety of our services, we implement operational verifications that are conducted both internally and externally. We reserve the right to investigate any suspected violations or questionable activity to ensure that you are not in violation of the law or our terms of service.

3.2.2 Your information is processed under the following legal justifications:

(1) We have a legitimate interest in protecting our services, our affiliated companies, your account funds, any necessary third parties, and ourselves from security-related attacks that could be detrimental.

(2) If, in order to implement a transaction with you in a satisfactory manner, we must adhere to your instructions prior to the execution of the contract;

(3) fulfilling our legal obligations, which encompass the necessity of atoning for financial misconduct;

For example, in order to safeguard your interests or those of another individual, it may be necessary to examine hazardous behavior.

3.3 I am enthusiastic about the opportunity to engage in conversation with you and am eager to establish a relationship with you.

3.3.1 We are committed to safeguarding the privacy of your personal data:

(1) The purpose of this message is to inform you of any potential fraudulent activity associated with your account or to address any recent inquiries you may have submitted.

3.3.2 The following legal bases are employed to process your information:

(1) It is still feasible to safeguard your account, your funds, our services, our business network, and any pertinent third parties.

(2) If it is necessary to fulfill your requirements and execute a contract with you in a fair manner prior to its enforcement; and

(3) In order to fulfill our legal obligations, it is necessary to obtain identity validation and other forms of verification.

3.4 To disseminate advertisements

3.4.1 We are committed to safeguarding the privacy of your personal data:

(1) To provide you with promotional materials, including information regarding the additional services that our businesses or we provide.

3.4.2 Your information is processed under the following legal justifications:

(1) If you have authorized the occurrence of an event, then

Our legitimate objective of introducing you and others to our services is immediately rendered incompatible by two circumstances.

3.5 Enhance, modify, and enhance our services and applications

3.5.1 We are committed to safeguarding the privacy of your personal data:

(1) Our objective is to gain a more comprehensive understanding of your preferences for our services and applications by analyzing your utilization patterns. We may also monitor your usage of the applications and services to guarantee that you do not overlook any promotions or discounts. For instance, we may reach out to you if you have not utilized the Apps in some time or if you have not communicated with one of our online companies using the data we have collected.

(2) To address any questions you may have, and

(3) To enhance and personalize our services and applications.

3.5.2 The legal justification for the use of your information to accomplish the aforementioned objectives is provided by the following sources:

(1) We sincerely commit to providing lending-related services and/or applications, administering and enhancing these services and/or applications, advertising our services to you and others, and maintaining accurate records in compliance with all relevant laws, obligations, and regulations.

4. ANNOUNCEMENT REGARDING PRIVATE DATA PRIVACY

In order for your personal information to be disclosed, the following conditions must be satisfied:

4.1 Consent is required prior to the disclosure of your personal information.

4.2 We reserve the right to share your personal information with other service users to guarantee that you both derive the maximum benefit from the services we offer. Additionally, our services enable you to exchange personal information with other Service users.

4.3 By incorporating your private information into your public profile on the Apps, you authorize other Apps users to access and utilize it.

4.4 Our organization may share your personal information with specific service providers, partners, or group companies to facilitate the execution of services such as money transfers, in-app services, transaction management, and verification checks. Depending on their performance, we may occasionally need to provide a partner with access to your entire account and financial data.

4.5 We may grant access to your personal information to specific service providers or group companies to enable them to evaluate the services and implement the necessary modifications to ensure the highest quality for you and others.

4.6 We may be compelled to disclose your personal information in order to comply with a legal requirement or to address valid claims or legal actions of law enforcement, regulatory agencies, officials, or other entities.

4.7 In the event of a merger, acquisition, or other restructuring, we may disclose your personal information to a third party that oversees its processing.

The storage of your transaction and other account information will be regulated by Zambian consumer protection laws and financial industry regulations. In the event that any of the aforementioned circumstances justify the legitimate transfer of your personal data to a country other than the one from which it was originally acquired, we will ensure that the pertinent data privacy regulations are followed. We will also provide a comprehensive overview of the legal framework for the transmission of personal data, in addition to discussing the potential for cross-border data sharing and the participation of the countries. We guarantee that your personal information will be safeguarded to the same extent, regardless of your current location.

5. THE PROTECTION OF YOUR PERSONAL INFORMATION

We are committed to safeguarding your data from inadvertent loss or damage, as well as from unauthorized access, alteration, disclosure, and use. Our initial objective is to safeguard your privacy. In order to prevent this, appropriate security protocols have been implemented.

In addition, we restrict access to agents, contractors, employees, volunteers, and other relevant third parties, as previously mentioned. They are accountable for the protection of your personal data and will only utilize it in accordance with our policies.

I regret to inform you that there is no assurance that data transmitted via the internet will be secure. Despite our best efforts, we are unable to ensure the security of any personal information you provide through our services. The data you transmit is your responsibility. As soon as we receive your data, we will immediately implement rigorous security measures to prevent unauthorized access, disclosure, use, and modification.

6. TERMS THAT DIRECT THE STORAGE OF YOUR PERSONAL INFORMATION

6.1.1 Your information will be retained on file for the duration necessary to fulfill the purposes for which it was collected, such as reporting, accounting, tax, and legal obligations. When choosing the appropriate retention period for personal data, the volume, nature, sensitivity, potential harm from unauthorized use or disclosure, the reasons for processing the data, whether those purposes can be achieved through alternative methods, and any applicable legal, regulatory, tax, accounting, or other requirements are all factors that are considered.

We have discovered that:

6.1.1 We will retain your financial information for a maximum of six years following the date of your most recent transaction, or for a prolonged period if it falls within the retention term specified below, as permitted by relevant laws, including anti-money laundering regulations.

6.2 All pertinent data, including personal and transactional data, will be permanently deleted six years after the cancellation date.

We may retain your personal information for an extended period in connection with our relationship with you and/or your use of the Services if there are reasonable grounds to suspect that legal action or other regulatory enforcement action is imminent or in the event of a complaint.

7. YOU ARE AWARENESS OF YOUR LEGAL RIGHTS

This can be accomplished by adhering to jurisdictional restrictions and satisfying specific criteria:

7.1 An application must be submitted in order to obtain access to your personal information. By successfully completing this step, you can verify that we are lawfully processing your personal information and obtain a copy of the data we currently have on file.

7.2 We respectfully ask that you update the personal data that we currently have on file in response to your request. You can alter any inaccurate or missing information we may have about you with this, but any new information you submit may need to be checked.

7.3 You have the right to request the removal of your personal information if you are not in debt. If there is no legitimate reason for us to retain your personal information, you are entitled to request that it be removed from our records. You are entitled to request the erasure of your data in accordance with local legislation if you have successfully exercised your right to object to processing (see below) or if you believe that we have processed your information unlawfully.

7.4 You have the right to object if you believe that the processing of your personal data violates your fundamental freedoms and rights as a result of circumstances that are unique to you. In this scenario, we will make a decision based on the legitimate interests of either ourselves or a third party. Additionally, you are entitled to object to the use of your personal information for direct marketing purposes.

7.5 We respectfully ask that you limit the amount of personal information we use. In specific circumstances, you have the right to request that we cease processing your personal data.

7.6 Request that your personal information be transferred to you or another individual. Your personal information will be transmitted in a structured, machine-readable format to you or a designated third party.

7.7 You have the right to revoke your consent at any time if we use your personal information for any purpose.

7.8 The appropriate authorities should be notified of any concerns regarding data protection. We urge you to contact us immediately in order to address any concerns before they are brought to the attention of the regulator. That would be greatly appreciated.

To utilize any of the privileges listed above, kindly reach out to us using the information provided.

In order to verify your identity and guarantee that you are able to exercise your rights, we may request specific information from you. In order to avert the acquisition of personal information by unauthorized parties, this security measure was implemented. To ensure that we can act promptly, we could reach out to you in order to obtain further information. Please bear this in mind.

We strive to respond to legitimate inquiries within a month. In certain cases, the evaluation of petitions that are exceedingly intricate or have been submitted multiple times may exceed one month. We will ensure that you are kept informed of any new developments and receive information on a regular basis.

8. INTERACTIONS WITH ANOTHER INTERNATIONAL

Please be advised that our website and services may include programs, plug-ins, and links to external websites. By clicking on these links or permitting these connections, you authorize third parties to collect and distribute personal information about you. Please bear this in mind. We are unable to be held accountable for the privacy policies of these third-party websites, plug-ins, or applications, as we have no control over them. It is essential that you review the privacy policies of each website or program you utilize prior to your departure.