Privacy Policy
This Privacy Policy applies to all products/software and services "Everyday Credit". You agree to this Privacy Policy to collect, use, disclose and process information (personal and device information) related to your access to and use of the Services. We reserve the right to modify these policies at any time. We invite you to periodically review this section for possible updates and changes. Notification of any material changes may be sent to your account via email or system messages.
Information Collection and Use
For a better experience, when using our services, we may ask you to provide us with certain personally identifiable information. The information requested will remain on your device and we will not collect it in any way.
The app does use third-party services that may collect information that can be used to identify you.
Contact person
We collect all contacts from your phone book, including contact name, phone number and the date the contact was added to improve your credit profile and allow you to quickly select references in your loan application. Under no circumstances will we store or share your data or transfer it to third parties. We will upload the contact information to the Everyday Credit server (https://tz.chosenpaysa.com). Your data will be protected and kept confidential.
Primary Account
Allow Everyday Credit upload the user's primary account information permission to our server( https://tz.chosenpaysa.com), so as to conduct risk control assessment and give you pre-approved loan preferences. Encrypt and upload to the outside. To identify and analyze their behaviors and risks, which will help prevent fraud.
Installed application list
You must authorize us to install application listing information on your mobile phone to assist us in our risk assessment. All data will be encrypted and uploaded to our servers( https://tz.chosenpaysa.com ).
File
In order to provide you with mobile applications and services, or to comply with legal obligations, we may need to collect and use certain personal file information. Your private file will only be uploaded to Everyday Credit Loanserver ( https://tz.chosenpaysa.com). Under no condition will we never share this data with third parties.
Camera
Use a camera to capture documents and/or photos required for the application and assessment process. We upload and transmit the content of the camera to a secure network environment on our server( https://tz.chosenpaysa.com).
Collection of mobile phone data
Collect and monitor specific information about your device, including name, model, region,language, identifiers, hardware and software information, status, usage habits, unique identifiers (such as IMEI and serial numbers). It is only used to identify your device and to ensure that it cannot be used without your authorization and to prevent fraud. In addition, we will collect a detailed list of your installed applications to assess your borrowing propensity and debt situation, we will upload the collected data to our highly secure server Everyday Credit ( https://tz.chosenpaysa.com ),
Collection of data storage
For all information collected, we will store it on Everyday Credit's servers( https://tz.chosenpaysa.com) with a high degree of protection.
How is your information shared?
We will not share your personal information with third parties unless:
• We have obtained your consent to do so.
• We are required to do so by law or in response to a legal process.
• We need to share your information with service providers who assist us in providing our app and its features.
• You fail to honour our terms of engagement.
Protection of Your Personal Information
We take reasonable measures to protect the security and confidentiality of your personal information. We have implemented technical and organizational measures to prevent unauthorized access, use, or disclosure of your personal information.
Your Rights and Choices
You have the right to access, correct, or delete your personal information that we hold. You may also request that we restrict the processing of your personal information or transfer it to another organization.
Use and Processing of Collected Information
When processing personal information, we act as data controllers and data processors. Unless we have entered into a data processing agreement with you, in which case you will be the data controller and we will be the data processor.
Our role may also vary depending on the specific situation involving personal information. We act as a data controller when we ask you to submit personal information necessary to ensure your access and use of mobile applications and services. In this case, we are the data controller because we determine the purposes and means of processing personal information.
We act as a data processor when you submit personal information through mobile applications and services. We do not own, control or make decisions about the personal information submitted and such personal information is processed only in accordance with your instructions.
In this case, the user who provided the personal information acts as the data controller.
In order to provide you with mobile applications and services, or to comply with legal obligations, we may need to collect and use certain personal information. If you do not provide the information we request, we may not be able to provide you with the requested product or service, and any information we collect from you may be used for the following purposes:
Create and manage user accounts
Send management information
Request user feedback
Run and operate mobile applications and services
Loan recovery
The processing of your personal information depends on how you interact with mobile applications and services, your location in the world and whether one of the following applies: (i) you have agreed to one or more of the specific purposes; (ii) provide The information is necessary to perform an agreement with you and/or any pre-contractual obligations; (iii) the processing is necessary to comply with your legal obligations; (iv) the processing is related to the public interest or the exercise of official powers conferred on us and the performance of the tasks related to; (v) the processing is necessary for the legitimate interests pursued by us or a third party.
Please note that under certain laws we may be permitted to process information until you object to such processing by opting out without relying on consent or any other legal basis. In any event, we would be happy to clarify the specific legal basis applicable to the processing, in particular whether the provision of personal information is a statutory or contractual requirement or is necessary to enter into a contract.
Policy change
Any information collected is subject to the policies in effect at the time such information was collected. However, we may revise this policy from time to time. If we make changes to our Privacy Policy, we will provide you with other forms of notice of modifications or updates as appropriate. Your continued use of our application or service after changes are posted will mean your acceptance of those changes.