PesaX and its duly established affiliated entities in Tanzania ( “PesaX” or “WE”) are committed to protecting and respecting your privacy.

This policy sets out the basis on which any personal data we collect from you or that you provide to us will be processed by us.

Please read the following carefully to understand our views and practices regarding your personal data and how we will process it. By clicking Agree and completing the authorization operation, you confirm that you have read, understood and accepted the terms of this Policy. You also agree to the collection, use, storage, processing and disclosure of your personal information in the manner set forth in this policy.

We collect your information to assess and verify your credit eligibility. By analyzing your data, we can detect possible fraud risks. Through your financial-related SMS records, we can assess your credit risk and protect you. account and provide you with better customized services.

To assess your eligibility and facilitate faster disbursal of your loan, We may collect and process the following data about you from your device, After you agree to grant us these permissions, we will collect some data, which are described below, please read it carefully:

SMS: a. We shall use your financial SMS information when you are using our application to evaluate your cash flow. We can identify the bank account you may hold and your transaction records as a user. We can use the information to detect possible fraud or hidden dangers of illegal use of our services. You can refuse or agree to the permission, if you refuse to provide SMS permission, we may lack your SMS information and cannot properly assess your risk and credit.

b. We will collect your SMS permission after obtaining your permission. The collected information will include the sender content and date of sending message. This will help us identify your bank information and bank patterns. We also collect and process your phone data, such as SMS logs. We wish to promise that your SMS messages will be encrypted and transmitted to our HTTPS (https://database.pesax.co). Your data will not be shared with any third parties without your permission.

LOCATION: Your location information is a very important loan application part. where you can agree or decline. If you decline the authorization, we may lose your location information, which will affect your credit evaluation result. We collect your location information after you give permission to get it. We only collect your location through your IP. Your information will be highly encrypted and uploaded to our servers using HTTP (https://pro.pesax.co).

CAMERA: For reasons/purposes of facial recognition and information security, kindly allow our application to get access to camera, to take documents and pictures for loan application.

APP LIST: We use your mobile application list to evaluate your operating environment for fraud and hidden virus software. Illegal software may steal your funds through virus intrusion. We need to identify and analyze your risks level to process loans and help prevent fraud. We shall collect your software name, installation time, software package, version number, update time and version code. The collected information will be highly encrypted and securely uploaded using HTTPS server (https://pro.pesax.co), Your data will never be shared with third parties without permission.

MOBILE PHONE(DEVICE): We need access to your devise permissions, that can help us obtain your device information including hardware information, such as Operating system, system version, IMEI number, IMSI number, MAC address, serial number, Android ID, screen size and other hardware information. The information will help us identify your device and ensure that unauthorized device do not act on your behalf to prevent fraudulent practices. after your authorization, we will encrypt and upload your device information to our server through HTTPS server (https://pro.pesax.co), Your data will never be shared with third parties without permission.

Calendar: We require the Calendar access permission to allow us to remind you of timely payment during the loan repayment period. This facility is to improve the repayment procedure and your experience. If you do not enable this permission, you will not use the specific part related to this permission. However, it will not affect your use of other essential services (https://pro.pesax.co).

When you register an account in our platform, you have to provide to us certain Personal Information, including your name, National ID , date of birth, gender, education background, physical address, e-mail address, working information, marital status, emergence contact, your phone number, SIM card details, and an Account ID and/or password that you will use to access the App after registration.

When you use the App, you have to provide to us such relevant information as may reasonably be required by us in order for the App to work.

● PesaX may collect personal information through our Business Partners. This information may include contact information, such as name, company name, job title, address, e-mail address, and phone number for verification and validation purposes.

● PesaX may also obtain personal information from other third-party sources, including publicly and commercially available sources. We may combine the information we receive from our Business Partners and other third-party sources with information that we collect from you, as described above.

Your information will be encrypted by us and uploaded to our own server (https://database.pesax.co) securely using HTTPS. We promise that we will not change your data and will not share your data with any third party. You The data will only be used by us for risk assessment analysis.

We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.

Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at onlineservice@pesax.co.

You also have the right to ask us to delete or delete your personal data for which you have successfully exercised your right to object to processing (see below), where we may process your information unlawfully or where we need to delete your personal data to comply with local law. Please note, however, that due to specific legal reasons, we may not always be able to honor your removal request, and if applicable, we will notify you when you request it.

We may use personal data for the following purposes:

To provide and maintain our Services, including monitoring the use of our Services.

Manage your account: Manage your registration as a user of the service. The personal data you provide may allow you to access different features of the service available as a registered user.

For the performance of a contract: the formulation, compliance and commitment of a purchase contract for products, goods or services you have purchased or any other contract with us through services.

To contact you: to contact you by email, phone call, text message or other equivalent form of electronic communication, such as push notifications from mobile applications regarding updates to features, products or contractual services (including security updates) or informational communications, on as necessary or reasonable.

To provide you with news, special offers and general information about other goods, services and events from us that are similar to those you have purchased or inquired about, unless you have opted out of receiving such information.

Manage Your Requests: Participate in and manage your requests to us.

For business transfers: We may use your information to evaluate or carry out a merger, divestiture, reorganization, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of a bankruptcy, liquidation, or similar programs in which the personal data we hold about users of our services are assets transferred.

For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotions and evaluating and improving our services, products, services, marketing and your experience.

We may share your personal information in the following situations:

With Service Providers: We may share your personal information with service providers to monitor and analyze the use of our services in order to contact you.

For business transfers: We may share or transfer your personal information in connection with or during negotiations of any merger, sale of company assets, financing, or the acquisition of all or part of our business to another company.

With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to comply with this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or jointly control with us.

PesaX will only disclose your information in the following situations:

PesaX may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries. such as our collections team, who need user billing information and some information from us to do their work, we will only share your billing-related information, not will share your other private information.

In some cases, PesaX may share your personal information with third parties who partner with us to provide products and services to our customers. If so, we will require our Business Partners to use that information in a manner consistent with this Policy, any applicable Specific Privacy Statements, and all applicable privacy and data protection laws.

PesaX may share your personal information with third parties when we have a good faith belief that disclosure is necessary:

(i)To comply with a law, regulation, court order, or other legal process;

(ii)To detect, prevent, and respond to fraud, intellectual property infringement, violation of our contracts or agreements, violation of law, or other misuse of PesaX Internet Sites, Apps, products or services;

(iii)To protect PesaX rights or property or yours or others’ health, safety, welfare, rights, or property;

(iv)Under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.

PesaX may share your personal information with third parties in connection with the reorganization, or under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.

Kindly note, by signing this form, you allow PesaX to share your credit information, both positive and negative with Credit Reference Bureau, and also to check your credit report for credit appraisal purposes.

PesaX may share your information with your permission or at your request.

Your information is highly encrypted which is completely out of readable and stored on our servers safely. Many of these databases are stored on servers located in Tanzania.

PesaX maintains reasonable safeguards to protect the confidentiality, security and integrity of your personal information. Although we use security measures to help protect your personal information against unauthorized disclosure, misuse, or alteration, as is the case with all computer networks linked to the Internet, we cannot guarantee the security of information provided over the Internet and will not be responsible for breaches of security beyond our reasonable control.

PesaX shall not be held accountable or legally liable for any data breach, misuse, disclosure or unlawful sharing due to the fault of its users’ failure to protect and secure their username and password or some other form of negligence.

If you have any questions about this Privacy Policy, You can contact us:
By email: onlineservice@pesax.co
By Call: +255788043242
By visiting this page on our website: https://www.pesax.cc/