1. EXPLANATION

• The definitions of all capitalized words in this Privacy Policy will be the same as in our terms of use, unless stated otherwise.

2. THE INFORMATION ABOUT YOU THAT WE GATHER

• We collect specific details about you. We can get your personal information from you, other people, or the app itself when you create an account or give us your personal details for any reason. We can collect information for many different reasons and using various methods, including those allowed by the Cybercrimes Act of 2015.
• Moreover, cookies can be used to automatically gather specific information whenever you visit our website or app. Cookies are small files that are saved on your phone or computer. Cookies are used to improve how users interact with a website and to keep track of how users behave. Most phones and web browsers can use cookies. But you can change the settings on your device or browser to stop certain types or categories of cookies from being used. You can delete any cookies that were saved before by using your phone or computer. This could affect how our website and app work.
• When using the app, you need to provide details about your phone, like its IMEI number, MAC address, and phone number. You also need to share information about your network, operating system, browser, and time zone. Additionally, you need to provide your list of emergency contacts, call and text message history, photos, videos, or any other digital files.

3. HOW WE USE THE PERSONAL INFORMATION WE HAVE GATHERED

Besides other allowed purposes by law, we can use Personal Information for the following reasons:

• a. The following goals can be reached by using your personal information:
  1. To check, handle, or oversee your account and its credit terms, and to recognize you as a user.
  2. To allow or help with any checks we may need before you can become a user, as we decide.
  3. To pay you back for the service and share the loan;
  4. To follow all relevant laws and rules, including those about preventing money laundering and knowing your customers.
  5. To let you know about any updates to the App or Service;
  6. To answer and reply to the questions and comments you give.
  7. To make sure the app meets your customers' needs and desires, it is important to create, test, improve, and keep it up to date.
  8. To reach you through automated or pre-recorded phone calls or text messages, with your permission, for the reasons stated in the Terms of Use and Privacy Policy.
  9. To collect and analyze information about people, how they use the app, patterns, and how much the app's services are used.
  10. Additionally, we might also send you promotional messages and details about special offers and discounts.
• b. Also, we might use your personal information for the following purposes in a more general way, as long as we always follow reasonable standards in each case and do not use more personal information than necessary for each specific purpose:
  1. To carry out the necessary business tasks and processes.
  2. To improve the app's performance, user experience, and features by keeping track of how it is used and offering help, improvements, and management.
  3. To help and fix any technical or functional problems with the app.
  4. By using statistical information and analysis, we can study, investigate, assess, and develop products.
  5. To find, look into, and stop any activity that is not allowed, unauthorized, fraudulent, or illegal.
  6. We need to shorten the time it takes to do audit reviews, due diligence, and investigations to meet our legal responsibilities, such as responding to regulatory inquiries, investigations, or directives.

4. THE EXCHANGE OF PERSONAL INFORMATION THAT WE OBTAIN

• a. Please note that your personal information may be shared with related companies and other parties for specific reasons, as allowed by the law. We will always behave reasonably in each situation and only share the necessary amount of Personal Information for that specific purpose：
  1. When necessary or allowed by the law, for the specific purposes stated in the law (such as meeting legal filing and reporting obligations, or responding to regulatory inquiries, investigations, or directives);
  2. For a legal case where you, us, or someone else is involved;
  3. To make it easier to negotiate a merger, transfer business assets, combine, reorganize, finance, or acquire our business by or into another company, even if the deal doesn't happen in the end;
  4. Sharing your personal information with other companies like banks, phone companies, and partners is usually done to benefit both parties involved in our collaborations or partnerships. This partnership could involve creating new products, conducting research, and promoting them, as well as showcasing or providing goods or services from other companies.
  5. We only share your Personal Information with our partners when it is needed to help us run our business smoothly, like for marketing if you signed up for our emails, or for them to handle data processing for us. For example, our company's partner in your country may handle and keep your personal information on behalf of our group. All our partners have promised to handle the personal information they get from us following this Privacy Policy and all applicable laws.
  6. All information will be combined and made anonymous when we share statistics about how apps and services are used.
  7. We will share your personal information if we believe it is needed to follow the law, keep you safe from harm or financial loss, report possible illegal actions, or look into violations of our rules.
• b. We will do our best to remove any way in which the Personal Information can be linked to you before sharing it with others, unless it is required for such sharing.
• c. We might share your personal information in ways not mentioned in this Privacy Policy if you give us permission and we inform you in advance.

5. MOVING PERSONAL INFORMATION BETWEEN COUNTRIES

• Your personal information might be sent, saved, used, and handled in a different place than where you live or where you are using our services (referred to as the 'Alternate Country'). Please be aware of this. It can also be sent to companies in our Flame Pesa group located in other countries, as well as to places where the servers of our Flame Pesa group, service providers, and partners are situated.
• If this happens, we will make sure to protect the Personal Information as required by Tanzanian laws and our Privacy Policy.
• You agree that your personal information may be sent to a different country than where you live, as shown below.

6. PROTECTING PRIVATE INFORMATION

• We will keep your personal information for as long as needed for the reason we collected it, or as required by law. Once we no longer need to keep your personal information for legal or business reasons, we will either delete it or make it impossible to link it back to you.

7. ACCESSING, CHANGING, AND CORRECTING PERSONAL INFORMATION

• Please use the details below to contact us and ask for access to any personal information we have. We can charge a fee for these requests as allowed by the law.
• We can refuse your requests to see or change your personal information if required by law. Please take note of this. This can be important when personal information mentions other people or when we think requests to access or correct information are unnecessary or bothersome.

8. WHERE WE KEEP YOUR PERSONAL INFORMATION

• a. Companies we work with may handle, store, or move the personal information we gather from you. We will do our best to ensure that any outside companies we work with have security measures that meet the standards set in our Privacy Policy.
• b. Employees working for us in other countries, as well as outside service providers, suppliers, contractors, or partners, may handle your personal information outside your country as allowed by law. If this happens, we will make sure to protect your Personal Information as required by the laws of your country and as stated in our Privacy Policy.

9. KEEPING YOUR PERSONAL INFORMATION SAFE

• Our main goal is to protect your personal information. To protect your personal information from being accessed, used, or shared without permission, we will take all necessary precautions to prevent any unauthorized use, loss, or damage. Unfortunately, the safety of information sent over the Internet is not completely certain. Even though we do our best to keep your personal information safe, we cannot guarantee that the information you send over the Internet will be completely secure. We cannot stop unauthorized people from potentially accessing, changing, or destroying your information for reasons beyond our control. You are responsible for keeping your mobile phone safe, protecting your account details, and not sharing your password with anyone.

10. CHANGES TO THIS PRIVACY POLICY

• We can update our privacy statement from time to time to make sure it reflects our current practices and any changes in laws or regulations. We will post a message on the App and/or Website to inform you about any changes if we decide to update this privacy policy. To stay updated on how we handle and protect your information, you must regularly review this Privacy Policy. If you keep using the app or website, talking to us, or using the service after we make any changes to this Privacy Policy, it means you agree to the changes.

11. RECOGNITION AND AGREEMENT

• a. By clicking 'accept,' you confirm that you have read, understood, and agreed to the privacy policy terms. You agree to let your personal information be collected, used, shared, stored, transferred, or handled according to this privacy policy.
• b. If you provide us with personal information about someone like your spouse, family, friends, or emergency contact, you are giving us permission to gather, use, share, and handle that information. Also, you promise that you have received the person's permission.
• c. If we can't reach you in other ways or if you haven't paid the loan, we may contact you and your emergency contact to confirm your details.
• d. If you change your mind about how we can use your personal information, please let us know in writing using the contact details below. You can also choose to cancel your permission to get certain messages and details from us by clicking on the 'unsubscribe' or 'opt-out' link in our emails. You might not be able to use the app and certain services if you take back your consent, depending on the type of consent you are withdrawing. It is very important to recognize this idea. You can end your contract with us and close your account by withdrawing your agreement. All the rights and duties obtained during that time will be completely kept. We will inform you about the possible consequences if you decide to cancel your permission for us to collect, use, or share your personal information after we receive your notification. This will help you decide if you want to keep going.

12. CONTENT CREATED WITH THE PURPOSE OF PROMOTING AND ADVERTISING

• We can provide you with details about our app and the things it offers, or let you know about special deals, benefits, or events organized by us, our partners, sponsors, or advertisers. This can be done by using instant notifications through the app, text messages, online chat, emails, letters, or phone calls.
• You can stop getting these marketing messages at any time by letting us know using the contact details provided or by clicking on the 'unsubscribe' link in the message. We might still send you messages that are not promotional, like loan updates, account details, or other important information, even if you choose not to receive them.

13. LINKS FROM OTHER WEBSITES

• Links to websites controlled by other people may be found on the website and app. We are not responsible for these websites or how third parties collect, use, share, or disclose data and information. We have no control over them. Please check the privacy policies and terms of service of other websites to see how they collect and use your personal information.

14. RESTRICTIONS ON RESPONSIBILITY

• We want to make it clear that we are not responsible for any extra damages that may occur：
  1. a. Your reliance on the app, how you use it, or if you can't access or use it.
  2. b. No matter if we were told about possible damages, any communication or deal you have with another third party.
  3. We are not responsible for any issues or delays in performance that are caused by circumstances beyond our control.

15. WAYS TO GET IN TOUCH WITH US

• If you have any questions or want to see or correct your personal information based on this privacy statement, feel free to email us at ask@flamepesa.com.