Kuwazo Capital LTD and its associated entities Privacy Policy

Kuwazo Capital Ltd. Kenya will always protect and maintain all user’s privacy. This privacy policy will apply to your use of:
1. Kuwazo mobile application available on kuwazo.co.ke OR hosted on the Google Play Store installed on your mobile device.
2. All services availed through the app as well as those available on the App website or other sites of our stakeholders.
The policy clearly outlines how personal data received from users is processed by Kuwazo Capital Ltd. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By downloading Kuwazo App, you confirm reading, understanding, and acceptance of this Policy’s terms as well as agreeing and allowing collection, use, storage,and disclosure of your personal information as outlined in the Policy. 

We may collect and process the following data about you
Information you provide to us.
This data constitutes information from filling forms on our website or on Kuwazo or from correspondence with us Such information includes your name, age, addresses, e-mail address and phone number, the Device’s phone number, SIM card details, password and other registration data, credit information. 
Third Party Information.
Owing to our line of work, we collect user information from third parties such as Mobile service providers and Credit bureaus. 
Information we collect about you and your device.
Using Kuwazo mobile app or visiting our site confirms collection of information such as: • Information, such as the mobile device in use, mobile network information, unique device identifiers (like IMEI), information about the SIM card used by the Device, your Device’s operating system, the type of browser you use and time zone setting • Data stored on your Device, such as contact lists and short message logs • details of your use of any of our Apps or your visits to any of Our Service Sites.

Uses of the data provided to us

We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined. Information collected by us shall be used for the purpose of determining whether or not to provide a loan to the customer, the amount of such loan and the terms and conditions applicable to such loan. Save in compliance with an order of the Court, Arbitral Panel, Tribunal, Regulatory Directive or Order or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties, but we may provide them with anonymous aggregate information about our users (for example, we may inform them that 500 men aged under 30 have applied for a loan on any given day).

Tracking and cookies

Cookies and tracking technologies may be used to distinguish you from other users. This is to ensure that your service while using the app or app site is seamless.

Storage of personal information

The data collected from users might be moved or stored outside country of residence and may be operated upon Kuwazo and affiliate staff members in the course of fulfilling your requests on the Service Sites. Submitting your personal information confirms your agreement to the collection, transfer, storage and processing of such information in the manner outlined above. When user sets a password to allow access to your information, the user is responsible for maintaining confidentiality. Never share your personal password with any other party. Unfortunately, the transmission of information via the internet is not completely secure but we will do our very best to protect your personal information. However, we cannot guarantee the security of your information during transit to other Service Sites. When information is received by us, we will enforce tough and strict security measures to maintain its integrity and confidentiality.

Disclosure of your information

We may disclose some or all of the data collected to relevant legal credit reference. Our subsidiaries and affiliates, may be given access to such information. We may disclose your personal information to third parties:

• When Kuwazo Capital Kenya or its assets are obtained by a third party, whereby, all personal data held will be part of the transferred assets;

• When under legal obligation to reveal personal information through regulatory obligation.

• In the course of enforcing Kuwazo Capital Ltd Terms and Conditions and other agreements or for investigative breaches.

Your rights

Your data will be used to compile statistics regarding Kuwazo user base and the loan portfolio. Disclosure of such statistics will be anonymous at all times. Should we wish to use your information for marketing purposes, you will be informed of it and you have the right to reject the request within 10 days of such notification. We will inform you prior to such use. To exercise your rights, contact us at talktous@kuwazo.co.ke.

Note to Alteration of privacy policy

Any alterations made to the policy will be posted on this page and notify users when they log in next. Your continued use of Kuwazo App and other services offered after the posting confirms a continued acceptance of this Policy together with such changes, and your consent to the terms set out therein. Please address all Requests, Questions, ad comments regarding this privacy policy are welcomed and should be addressed to talktous@Kuwazo.co.ke