OKOA KASH
WHASSPRO-DEVELOPERS.INC built the OKOA KASH app as a Free app. This SERVICE is provided by WHASSPRO-DEVELOPERS.INC at no cost and is intended for use as is.
A.Why we collect data.
Our product is designed to provide personalized loan options for people in need. With the explicit permission of our customers, we will analyze your smartphone data to verify your identity and creating credit scoring models to determine what Loans can be offered to you. We also use this data for purposes of collections and credit reporting. We will only collect and process your personal information for the reason you provided it to us, or to enable us to comply with the requirements of specific laws that we are governed by.
B.The data we collect.
The data we collect. When you register for the Service, we will collect your: - National Identity Card Number - Date of Birth - Email address - Registered mobile Number - Monthly income and pay day - Other outstanding loans - Details of emergency contacts: Full legal names and Telephone Numbers - Your monthly income and pay date - Employment detail: Whether permanent or contract or unemployed - Residential status: Whether rented or owned - Email address or other contact information.
The information listed above shall be used to conduct due diligence and determine that you are the authorized user as well as assess your credit worthiness. We may also use some of the information above to create a unique user reference to identify you, guarantee your account security and to ensure that your information is encrypted. We may also collect other information from your phone as below for which we seek permission from yourself to process the information:
- SMS: We also collect and monitor SMS to enable disbursement of the funds to you. You receive an acknowledgement message for receipt of the fund. This information also assists to reduce risks associated with your application and provide customized offers. We also collect and monitor SMS to enable disbursement of the funds to you.
- Storage: We collect and require access to your storage to enable you upload documents/pictures for due diligence purposes during registration. - Phone: We seek permissions to access your phone details as we collect and monitor specific information about your device including your hardware model, operating system and version, unique device identifier, installed software applications, user profile information, wi-fi information, mobile network information as a safety measure to uniquely identify the devices and ensure that unauthorised devices are not able to act on your behalf helping us to prevent fraud. This information may also be used for our credit scoring system.
- Location: We Collect and monitor information about the location of your device to ensure that you are within the Kenyan geographical location, for loan applicability. We also use the information to provide serviceability of your loan application, to reduce risks associated with your application and also provide you with customized offers for all products available. We may collect this information either continuously or while you are using the Application, to provide location-based services.
- Contacts: We collect and read your phone contact list to detect emergency references and allow you to auto-fill data during loan application process. We upload your emergency contact’s name and phone number for due diligence purposes and may cross- check your identity with them.
- Contact list: We collect your phone contact list. We collect your emergency contacts name and phone number for due diligence purposes and may cross-check your identity with them.
- Software Applications: We may collect information through the software applications on your phone.
- Phone Number: Your phone number is collected for registration and sign-in purpose. In most cases, personal information will be collected directly from you or through your device, but there may be other instances when We will collect personal information from other sources. These may include, but is not limited to, public records, places where you may already have made your personal information public (for example, on social media) or credit bureaus. We will only collect your personal information from other sources where we are legally entitled or obliged to do so, and you are entitled to ask us which sources we used to collect your personal information.
By registering for the Service, you authorize the collection and processing of the foregoing data. We may use tracking pixels, and other tracking technologies on the application to update our credit scoring system, help customize the application, and improve your experience. When you access the Application, your personal information may be collected through the use of tracking technology. You acknowledge that this information is defined as Sensitive Personal Data (“SPD”) and through your use of the services expressly consent to us collecting, using, storing and relying upon such data. If you currently or later object to the collection, usage and storage of your SPD you shall be required to immediately cease using the services and delete the application from any of your devices. You shall furthermore be required to transmit an and email to janlore@gmail.com notifying us of your cessation of the services as well as requesting us to deleted your SPD.
Deletion of your SPD shall occur in accordance with the provisions of the Act. You acknowledge that where we are required to retain your personal data in accordance with any legislation we shall be under no obligation to delete that information. Furthermore, we will not process your SPD unless:
- You have consented to us processing it;
- It is necessary in order for us to make the services available to you;
- It is necessary to exercise or defend a right or obligation in law;
- It is necessary to comply with an international legal obligation of public interest;
- It is for certain historical, research or statistical purposes that would not adversely affect your privacy; or
- You have deliberately made your information public. There may be instances where we will process your personal information through a secure automated tool, or perform profiling resulting in a decision that may affect you. You hereby acknowledge that such automated collection methods are necessary to ensure the services are rendered to you in a timely manner and as such hereby irrevocably agree to such automated tool being utilized. In the provision of our services, we employ strict security measures to guarantee data integrity and confidentiality. We protect personal data against unauthorized disclosure or access, accidental or unlawful destruction or accidental loss, alteration, and all forms of unlawful intrusion. Such measures include encryption, intrusion detection and prevention systems, database security check, firewalls amongst other mechanisms.
C.How we transfer and store data.
Because we are a part of an international group of companies with data-centers around the world, We may process and store your data locally in Kenya or in a foreign country. We will, however, ensure that we implement security measures and your data is protected to a strict standard. You hereby consent to the foreign processing or storage of your personal data on our own, through affiliates or third party service providers such as the Cloud Service and international transfers. Where we use foreign data centers or use foreign third party service providers we shall ensure and mandate that our partners ensure a level of protection of such data comparable to that provided for under Kenyan Law as well as best practice standards. By your use of our service and products you irrevocably agree that we may process or transfer your data, be it SPD or otherwise, to other countries as may be necessary in order for us to make the services and products available to you.
D.Who we share data with.
We may share your data with third parties in certain circumstances. We may, for example, share data with: (i)credit bureaus, in requesting credit histories or reporting loan defaults; (ii)collections agencies, in seeking to collect overdue Loans; (iii)government bodies and law enforcement agencies, to comply with the law; (iv)professional advisers, to enforce or defend our legal rights; (v)or with a purchaser or seller in connection with a corporate event such as a merger, business acquisition or insolvency situation. Your Rights. To the extent that local legislation permits, you have the following rights regarding your personal information:
- The right to access your personal information that we have on record.
- You have the right to ask us to rectify any of your personal information that is incorrect.
- You can ask us to delete or destroy your personal information. You can also object to us processing your personal information. These requests must be sent to us in writing. However, the result of such a request will be that we may have to suspend the provision of products and/or services for a period of time, or even terminate our relationship with you. If our records are subject to regulatory retention periods, we may not be able to delete or destroy your personal information immediately upon request as your data shall be archived until end of the statutory period. - If you have a complaint relating to the protection of your personal information, including the way in which it has been collected or processed by us, please contact us using our contact details as listed below. If you have not had your complaint dealt with satisfactorily, you may lodge a complaint with in terms of the Act. This page is used to inform visitors regarding my policies with the collection, use, and disclosure of Personal Information if anyone decided to use my Service. If you choose to use my Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that I collect is used for providing and improving the Service. I will not use or share your information with anyone except as described in this Privacy Policy. The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which are accessible at OKOA KASH unless otherwise defined in this Privacy Policy. Information Collection and Use For a better experience, while using our Service, I may require you to provide us with certain personally identifiable information, including but not limited to janlore@gmail.com. The information that I request will be retained on your device and is not collected by me in any way. The app does use third-party services that may collect information used to identify you. Link to the privacy policy of third-party service providers used by the app
Google Play Services
AdMob
Log Data
I want to inform you that whenever you use my Service, in a case of an error in the app I collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing my Service, the time and date of your use of the Service, and other statistics.
Cookies
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory. This Service does not use these “cookies” explicitly. However, the app may use third-party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
Service Providers
I may employ third-party companies and individuals due to the following reasons:
To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services; or
To assist us in analyzing how our Service is used.
I want to inform users of this Service that these third parties have access to their Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
Security
I value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and I cannot guarantee its absolute security.
Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by me. Therefore, I strongly advise you to review the Privacy Policy of these websites. I have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Children’s Privacy
These Services do not address anyone under the age of 13. I do not knowingly collect personally identifiable information from children under 13 years of age. In the case I discover that a child under 13 has provided me with personal information, I immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact me so that I will be able to do the necessary actions.
Changes to This Privacy Policy
I may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. I will notify you of any changes by posting the new Privacy Policy on this page. This policy is effective as of 2022-03-01
Contact Us
If you have any questions or suggestions about my Privacy Policy, do not hesitate to contact me at janlore@gmail.com.