PRIVACY POLICY

THIS PRIVACY POLICY DOCUMENT OUTLINES OUR APPROACH TO COLLECTION, USAGE, AND DISCLOSURE OF YOUR PERSONAL DATA THAT MAY BE COLLECTED BY THE COMPANY THROUGH ONLINE & OFFLINE MEANS. PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY CONTINUING TO ACCESS OUR PLATFORM, OR USE OUR SERVICES YOU AGREE TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MAY NOT AVAIL OUR SERVICES.

Your privacy is of utmost importance to us and protection of your Personal Data as disclosed by you to us is a key commitment for us. During your usage of our platform, we may collect and generate various data points about you as elaborated below. In this, we are governed by the provisions of applicable law in Tanzania including Bank of Tanzania, the Financial Intelligence Unit, and the Tanzania Revenue Authority. We may be required to collect, process, and retain certain personal data from you in accordance with Anti-Money Laundering, Counter Terrorist Financing and Counter Proliferation Financing (AML/CFT/CPF) or tax regulations if you use our Services. We collect and process your Personal Data only to the extent necessary for us to process your requirement(s) and in the manner as detailed hereinafter below in section II and III, and in accordance with such applicable law. In case you choose not to share your Personal Data as required, with us, we may not be able to carry out your transaction.

“Personal Data” means data relating to you that is directly or indirectly identifiable, having regard to any characteristic, trait, attribute or any other feature of your identity or any combination of such features with any other information. Personal Data does not mean information that is freely available or accessible in public domain or any other law for the time being in force. Personal Data includes Sensitive Personal Data, which relates to OTP, Mobile No financial information such as bank account/Mobile wallet statement or other payment instrument details, physical, physiological and mental health condition, sexual orientation, medical records and history, biometrics or any other data categorised as sensitive under applicable law in Tanzania

We may collect following information from you, as you have disclosed to us:
Personal details (e.g. name, contact details including, residential address, date of birth, documents such as National identity card / passport details /Voter ID / driving license, and/or Tax id) provided by you to us to avail various products/services from us Your order history against the personal loan product or product available on our platform and Opinions provided by you to us by way of feedback or responses to surveys; information obtained from your mobile device by way of using our app like device location, device information (including storage, model, mobile network).

financial details (e.g. income, expenses, and/or credit history) needed as part of request for some of our products/services; employment details (e.g. occupation, positions held, employment history, salary and/or benefits) as part of our record retention for credit/various product evaluations or required under applicable law specimen signature(s) for processing of your instructions received by us through our various payment and delivery channels; access to your mobile camera device for the functioning of many in- app functionalities ,access to device camera is required.

Permission is sought for the same at appropriate stage during the app usage. access to files from your mobile device such as audio, video files. For the functioning of many in-app functionalities this access to , files, images, audios and videos is required. Permission is sought for the same at appropriate stage during the app usage. for the functioning of many in-app functionalities including, but not limited to device binding for user authentication, access to user’s SMS is required, permission is sought for the same at appropriate stage during app usage including sharing of your information on the product received to credit Bureau

Any Personal Data that we have access to shall never be shared without your consent. In various processes / submission of applications / availment of product / service offerings, we even seek your explicit consent to use / share your Personal Data. In our business and operational processes, we only share the data on a partial and “need-to-know” basis to designated personnel or partners or service providers. Airpay Rafiki being a license holder from BOT to offer Micro Finance loans, we do not access your sensitive data such as photos, videos and contacts.

We may process, store and retain your Personal Data on our servers where the data centers are located, and/or on the servers of third parties having contractual relationships with us. All Sensitive Personal Data is stored in Tanzania. We will retain your data for the period that you continue to be our customer and for such period as required to comply with any obligation under any law for the time being in force. We will share your data with competent / legal / statutory / regulatory agencies / authorities or partners / service providers acting on our behalf (as the case may be) in following cases:

• For enabling the provision of the products / services availed by you, strictly on a “need to know” basis and subject to applicable laws. Where it is directed or required by legal / regulatory / statutory / governmental authorities / judiciary under any applicable laws / regulations or judicial pronouncement though a legally obligated request. Where it is required by financial institutions to verify, mitigate or prevent fraud or to manage risk or recover funds in accordance with applicable laws / regulations.
• When you avail our product or services, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email. This information may be shared with third-parties which assist in processing and fulfilling your requests, including insurance companies , compliant payment gateway processors, and for providing you with products / services to better serve your needs and interests. Such sharing shall be in accordance with your instructions and subject to appropriate confidentiality and security requirements.

We use your Personal Data in our business activities for providing our partners’ products / services and to perform, among other actions, the following:

• To facilitate the requested transactions/application or report on these transactions
• To undertake research and analytics for offering or improving our products / services and their security and service quality
• To check and process your requirements submitted to us for products / services and / or instructions or requests received from you in respect of these products / services
• To share with you, updates on changes to the products / services and their terms and conditions including platform’s terms and conditions
• To take up or investigate any complaints / claims / disputes
• To respond to your queries or feedback submitted by you
• To verify your identity for us to provide products / services to you
• To carry credit checks, screenings or due diligence checks as lawfully required by us
• To monitor and review products / services from time to time
• To undertake financial / regulatory / management reporting, and create and maintain various risk management models
• To conduct audits and for record keeping purposes
• To enable us to show you advertisements which are relevant to you and your interests, selective offers and promotions, search results, location-based services
• To auto populate such third party pages basis your click on advertisement instances on our website and your proceeding to such pages
• To comply with the requirements of applicable laws / regulations and / or court orders / regulatory directives received by us
• To undertake any measure to provide insurance claim support on purchasing credit life insurance

You may choose to delete your account at any point of time by making such choice by contacting via designated e -mail id provided on Airpay Rafiki mobile application. With this we will no longer provide your data for external processing as mentioned above. However, we retain your Personal Data as long as the purpose for its usage exists, after which the same is disposed off by us except for any record retention required as per applicable law.

The provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account. Further, in the event of the pendency of any legal / regulatory proceeding or receipt of any legal and / or regulatory direction to that effect, we may be required by the law of the land to retain your Personal Data for longer periods.

User can request to delete the data by sending us mail on : care@airpay.tz or fill the form Delete request form

We take various steps and measures to protect the security of your Personal Data from misuse, loss, unauthorised access, modification or disclosure. We use latest secure server layers encryption and access control on our systems. Our safety and security processes are audited by a third party cyber security audit agency from time to time and BOT. We have provided multiple levels of security to safeguard your app by Login through OTP on your registered mobile no.

We also ensure the device binding so that the same login cannot be used on different device without any additional authentication / OTP. We encrypt the information in compliance with data security standards. While we observe reasonable security measures to protect your Personal Information on all the digital platforms, security risks may still arise for reasons outside of our control such as hacking, virus dissemination, force majeure events, breach of firewall etc. Please note that the above mentioned measures do not guarantee absolute protection to the Personal Information.

This policy will be reviewed by us as and when required and the same may be subject to change at any point in time. The latest & most updated policy can always be found at https://rafiki.airpay.tz/privacy-policy While we will make reasonable efforts to keep you posted on any updates to this privacy policy, to make sure that you are aware of any changes, we recommend that you review this policy periodically.

This Privacy Policy shall apply uniformly to Airpay Rafiki desktop website, mobile WAP site & mobile applications. Airpay Rafiki reserves the right to modify/update this Privacy Policy. We will post the changes to our Privacy Policy, if any, on this page. Please check the “Last updated” legend at the bottom of this page to see when this Privacy Policy was last updated. We encourage you to check the same to be informed of how airpay rafiki is committed in protecting your information and providing you with the improved content.

In this policy, the words “we”, “ours” and/or “us” refer to Airpay Rafiki and “you” and/or “your” refer to our customers

Rafiki Customer Care Details:
Customer Care Number:– +255 699 999 300
Customer Care Email Id:– care@airpay.tz