KaziYangu Mobile ERP Privacy Policy

This privacy policy ("policy") will help you understand how KaziYangu Mobile ERP ("us", "we", "our") uses and protects the data you provide to us when you visit and use www.kaziyangu.ke ("blog", "service"). We reserve the right to change this policy at any given time, of which you will be promptly updated. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page.

What User Data We Collect

When you visit the blog, we may collect the following data:

  • Your IP address.
  • Your contact information and email address.
  • Other information such as interests and preferences.
  • Data profile regarding your online behavior on our blog.

Why We Collect Your Data

We are collecting your data for several reasons:

  • To better understand your needs.
  • To improve our services and products.
  • To send you promotional emails containing the information we think you will find interesting.
  • To contact you to fill out surveys and participate in other types of market research.
  • To customize our website according to your online behavior and personal preferences.

Safeguarding and Securing the Data

KaziYangu Mobile ERP is committed to securing your data and keeping it confidential. KaziYangu Mobile ERP has done all in its power to prevent data theft, unauthorized access, and disclosure by implementing the latest technologies and software, which help us safeguard all the information we collect online.

Our Cookie Policy

Once you agree to allow our website to use cookies, you also agree to use the data it collects regarding your online behavior (analyze web traffic, web pages you spend the most time on, and websites you visit).

The data we collect by using cookies is used to customize our website to your needs. After we use the data for statistical analysis, the data is completely removed from our systems.

Please note that cookies don't allow us to gain control of your computer in any way. They are strictly used to monitor which pages you find useful and which you do not so that we can provide a better experience for you. If you want to disable cookies, you can do it by accessing the settings of your internet browser. You can visit https://www.internetcookies.com, which contains comprehensive information on how to do this on a wide variety of browsers and devices.

Restricting the Collection of your Personal Data

At some point, you might wish to restrict the use and collection of your personal data. You can achieve this by doing the following:

  • When you are filling in a form on the website, make sure to check if there is a box that you can leave unchecked if you don't want to disclose your personal information.
  • If you have already agreed to share your information with us, feel free to contact us via email and we will be more than happy to change this for you.

KaziYangu Mobile ERP will not lease, sell or distribute your personal information to any third parties unless we have your permission. We might do so if the law forces us. Your personal information will be used when we need to send you promotional materials if you agree to this privacy policy.

This Privacy Policy applies to you in terms of the following:

1. KaziYangu mobile ERP application software ("App") is available on our site or hosted on the Google Play Store ("App Site"), once you have downloaded a copy of the App onto your mobile telephone or handheld device (Device).
Any of the services accessible through the App, which are available on the App Site or other sites of ours ("Service Sites").

Terms used in this Privacy Policy shall have the following meanings:

"Authorities" includes any judicial, administrative, public or regulatory body, any government, any Tax Authority, securities or futures exchange, court, Central Bank or law enforcement body, or any of their agents with jurisdiction over Dime.

"Compliance Obligations" means obligations for Dime to comply with:

  1. Laws or international guidance and internal policies or procedures;
  2. Any demand from Authorities on reporting, disclosures or other obligations under Laws; and
  3. Laws requiring us to verify the identity of our customers.

"Customer" or "User" means any individual within the Republic of Kenya to which Dime provides its products or services.

"Customer Information" means your Personal Data, confidential information, and/or Tax Information, including relevant information about you, your transactions, your use of our products and services, and your relationships with Dime.

"Financial Crime" may mean money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, and/or any acts or attempts to circumvent or violate any Laws relating to these matters.

"Laws" include any local or foreign law, regulation, judgment or court order, voluntary code, sanctions regime, an agreement between any member of Dime and an Authority, or agreement or treaty between Authorities and applicable to Dime.

"Personal Data or Information" refers to any information whether recorded in a material form or not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information, or when put together with other information would directly and certainly identify an individual.

"Sensitive Personal Information" refers to Personal Information as follows:

  1. About an individual's race, ethnic origin, marital status, age, colour, and religious, philosophical or political affiliations;
  2. About an individual's health, education, genetic or sexual life of a person, or to any proceeding for any offense committed or alleged to have been committed by such person, the disposal of such proceedings, or the sentence of any court in such proceedings;
  3. Issued by government agencies peculiar to an individual which includes, but not limited to, identification document numbers, previous or current health records, licenses or its denials, suspension or revocation, and tax returns; and
  4. Specifically established by an executive order or other legislative act to be kept classified.

"Services" includes maintaining the App available on our site OR hosted on the App Site, Google Store, or once you have downloaded a copy of the App onto your Device.

"Tax Authorities" means Kenyan or foreign tax, revenue or monetary authorities.

"Tax Information" means documentation or information about your tax status.

"We", "Our" and "Us" refer to Dime. Reference to the singular includes the plural (and vice versa).

Where do we store your personal data

The data that we collect from you may be transferred to, and stored at a destination outside Kenya. It may also be processed by our staff operating outside Kenya or for one of our suppliers. These staff members may be engaged in the fulfillment of your requests. By submitting your Personal Data, you agree to this transfer, storing or processing of data. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. We may also disclose your data to anyone we consider necessary in order to provide you with services in connection with an account.

Where we have given you a password/PIN or where you have chosen a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password/PIN confidential. This password/PIN should not be shared with anyone. Unfortunately, the transmission of information via the Internet is not completely secure although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to Our Service Sites; any transmission is at your own risk. Once we receive your information, we will use strict procedures and security features like data encryption to try to prevent unauthorized access.

Your rights and obligations

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 3rd party for such purposes, provided that such information will always be anonymous.

You agree to inform us promptly, and in any event, within 15 days, in writing if there are any changes to Customer Information supplied to Dime or a member of our staff from time to time, and to respond promptly to any request from us.

Where

  1. You fail to provide promptly Customer Information that we reasonably requested, or
  2. You withhold or withdraw any consents that we may need to process, transfer or disclose Customer Information for the stated purposes (except for purposes connected with marketing or promoting products and services to you), or
  3. We have, or a member of Dime has, suspicions regarding Financial Crime or an associated risk.

We May

  1. Be unable to provide new, or continue to provide all or part of the services to you and reserve the right to terminate our relationship with you;
  2. Take actions necessary for us or a member of Dime to meet the Compliance Obligations; and/or
  3. Block transfer or close your account(s) where permitted under local laws.

In addition, if you fail to supply promptly your Tax Information and accompanying statements, waivers and consents, as may be requested, then we may make our own judgment with respect to your status, including whether you are reportable to a Tax Authority, and may require us or other persons to withhold amounts as may be legally required by any Tax Authority and paying such amounts to the appropriate Tax Authority.

You agree that we shall not be liable for any loss or damage arising from or incidental to our use, collection, processing and sharing of Customer Information, and any action we have taken in relation to this Section.

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 7 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 info@kaziyangu.ke.

The benefits of KaziYangu Mobile ERP app features at your fingertips:

  1. Personal security PIN to ensure protection
  2. Track your business status and position
  3. Easy repayment schedule that keeps you on track with your payments
  4. Access discounted rates and packages with our partners
  5. Affordable and competitive rates in the market

What are my loan terms?

  1. Customers can access Revenue Base unsecured finance facilities for up to 90 days.
  2. Loans payments are recovered from business transaction daily deductions.

Have questions? Visit www.kaziyangu.ke to check out our FAQs. Ready to get started? Download the KaziYangu Mobile ERP app and streamline your business today.

Privacy and permissions - When you download KaziYangu Mobile ERP app, we will ask the customer to share their M-pesa statement and other information in order to verify your identity, creditworthiness, and provide you the fastest loan in Kenya. We take privacy very seriously and your personal information will never be shared without your direct permission.

*Effective APR: 69 - 208% KaziYangu Mobile ERP app will not charge you more than the amount of your service fee. Fees do not compound or accrue

Information we may collect from you

Information you give us about yourself - submitted information:

  1. Provided by filling in forms in the App, on the App Site or our Website;
  2. Provided through corresponding with us e.g. by e-mail or chat;
  3. Provided by registering to use the App Site, downloading or registering the App, subscribing to any of our Services e.g. applying for a loan, searching for an app or Service, sharing data via the App's social media channels, participating in a competition, promotion or survey, and reporting a problem with the App, our Services, our App Site or any of Our websites.

This information may include your name, address, e-mail address and phone number, the device's phone number, SIM card details, age, username, password and any other registration information, financial and credit information (including your mobile money account details, bank account details), personal description and photographs.

Information we collect about you and your device

Each time you visit one of our Sites or use one of our Apps we may automatically collect the following information:

  1. Technical information, including the type of mobile device you use, unique device identifiers e.g. your device's IMEI or serial number, information about the SIM card used by the device, mobile network information, your device's operating system, the type of browser you use, or your device's location and time zone setting;
  2. Information stored on your device, including your contact lists, call logs, SMS logs, contact lists from other social media accounts, photos, videos or other digital content;
  3. Data from your use of any other 3rd party application on the device or the websites; and
  4. Details of your use of any of our Apps or your visits to any of our websites; including, but not limited to, traffic data, location data, weblogs and other communication data.

Why we collect this information.

We collect information for the following purposes, including but not limited to the following purposes:

  1. To process your transactions;
  2. To verify your identity;
  3. To disburse loans and collect payments for your use of the Service;
  4. To build the credit models and perform credit scoring;
  5. To analyze customer behavior;
  6. To allow our partners to fulfill their obligations to you;
  7. To allow us to fulfill our obligations to our partners;
  8. To troubleshoot problems with the Service;
  9. To comply with applicable laws, regulations, and rules, such as those relating to "know-your-customer" and anti-money laundering requirements;
  10. To detect and prevent fraud and other illegal uses of the Service;
  11. To send you marketing notices, service updates, and promotional offers; and
  12. To contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy.

Information we receive from other sources (3rd party Information).

Due to the nature of the services we provide, we are required to work with a number of 3rd parties which includes Credit Reference Bureaus and Mobile Network Operators) and we may also receive information about you from them.

Location Information.

We may also use GPS technology or any other location services to determine your current location. You can withdraw your consent to our collection, processing or use of this information at any time by logging out and uninstalling the Dime App from your device.

Unique application numbers.

Installation and Uninstallations. When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.

Tracking Cookies We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our Service Sites.

Use of the Collected Information 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 we will give a loan to a customer, the amount of the loan and the terms and conditions applicable to the loan. Save for 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 our clients to other parties, but we may provide them with anonymous aggregate information about them e.g. only statistical data (500 men aged under 30 have applied for a loan on a given day).

Disclosure of your information We may disclose some or all of the data we collect from you when you download or use the App to Credit Reference Bureaus. We may disclose your personal information to any member of our group, which means our subsidiaries or affiliates.

We may disclose your personal information to 3rd parties:

  1. If we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request;
  2. In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
  3. If Dime or substantially all of its assets are acquired by a 3rd party, in which case personal data held by it about its customers will be one of the transferred assets
  4. In order to: enforce our Terms and Conditions and other agreements or to investigate potential breaches; report defaulters to any credit bureau; or for the purpose of publishing statistics relating to the use of the App, in which case all information will be aggregated and made anonymous.

Changes To Privacy Policy?

Any changes we may make on this Policy in the future will be posted on this page and, where appropriate, notified to you when you next log into the App or log onto one of our websites.

The new terms may be displayed on-screen, and you may be required to read and accept them before you are allowed to continue your use of the App or the Services. In any event, by continuing to use the App or any Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.