Welcome to Chukua Pesa!
Chukua Pesa is a compliant financial service app. We strictly adhere to relevant laws and regulations and are committed to safeguarding the personal information and privacy of our users. To provide users with convenient and secure loan services, we will collect necessary information with user consent. Before using our services, please carefully read this Privacy Policy to fully understand how we collect, use, store, and protect your personal data.
This policy applies to the entire process of downloading, installing, registering, logging in, and using Chukua Pesa and its related services. If you disagree with any part of this policy, we suggest that you stop using our services. By clicking “Agree” or continuing to use Chukua Pesa, you acknowledge that you have read and understood the entire content of this Privacy Policy.
Chukua Pesa is a compliant financial service app. We always comply with relevant laws and regulations and are committed to providing users with safe and convenient loan services. In order to complete risk assessment, quota review and service notification functions, we need to collect some information and apply for necessary permissions.
Collected content: financial SMS & verification code SMS, mobile phone number, receiving time, SMS content, etc.
Purpose of Use: Assess the user's credit status and ensure the security of the user's account funds by collecting SMS. Chukua Pesa needs to collect financial-related SMS, such as payment, repayment, loan, overdue and other types of SMS to assess the user's financial and credit status. For example, verify the user's true identity through verification code SMS to prevent others from using the user's mobile phone number to log in to ensure the security of the user's account.
Commitment: The collected SMS content will be uploaded to "https://cpn.chukua-pesa.com/" through encryption. The data is only used to assess the user's credit status and ensure the security of the user's account funds. After analysis, the data will be deleted immediately. And the data will not be collected without the user's knowledge or shared with third parties.
Collect the title of the event, the start time of the event, the end time of the time, whether the reminder is repeated, and other information with the user's authorization. The data will be uploaded to "https://cpn.chukua-pesa.com/" in an encrypted manner. The data will be used to help you record loan repayment dates or bill reminders. It is only used to provide you with a more convenient schedule management service. Chukua Pesa will not share your calendar information with third parties or for other purposes.
During use, it is necessary to collect the basic information of the apps installed on the device (app name, installation time, update time, app version number). The data will be uploaded to ""https://cpn.chukua-pesa.com/" in an encrypted manner to help us analyze whether there is malware (fraud software, virus software) on the device to prevent these software from stealing user information and ensure the security of user accounts and funds. The data will be automatically deleted after the system analysis is completed, and will not be shared with third-party organizations without the user's knowledge. Chukua Pesa only collects basic information of installed apps and does not collect personal privacy data of other apps.
With your consent, we use notification permission (POST_NOTIFICATIONS) to send you important service-related updates, such as loan application status, repayment reminders, and security alerts. We do not use this permission for unsolicited marketing. You may disable notifications anytime in system settings.
We collect your name, identification document number, phone number, and email address for identity verification and to meet regulatory compliance requirements.
We collect your salary, company name, company address, payday, etc. This data helps us assess your loan eligibility and match you with suitable loan products.
During the loan application process, we collect your bank name, bank card number, and account holder's name to facilitate loan disbursement once your loan is approved.
To complete identity verification and document collection, Chukua Pesa requires access to your device's camera for capturing identification documents or conducting facial recognition. This function helps expedite the verification process and ensures user authenticity.
When using Chukua Pesa, we will collect rough location information in order to provide loan products and product-related services that better meet local needs based on the user's location. This data will not be shared with other third-party institutions, and the data is transmitted using https encryption and stored in a secure server "(https://cpn.chukua-pesa.com/).
Collects information such as device unique identifiers (such as MAC address, device ID, etc.), hardware model, screen size, device name, operating system version, etc. to identify the uniqueness of the device, which helps to ensure account security and prevent criminals from stealing user information and logging in with uncommon devices.
The above data will be uploaded to a secure server "(https://cpn.chukua-pesa.com/)after encryption (https). The data is only used for risk assessment of loan applications and will not be shared with third parties without user authorization. Users can log out of their accounts and clear data at any time in the App, and can also contact customer service to delete it.
The information we collect will only be used for the core functionalities of providing financial services, including loan eligibility assessment, credit limit calculations, identity verification, regulatory risk management, loan application processing, and disbursement. Additionally, we use this information to enhance user experience, such as optimizing interface interactions, providing personalized loan recommendations, sending service notifications (e.g., approval results, repayment reminders), and offering customer support.
We promise not to use the information for any purposes unrelated to loan services or any other use beyond what has been clearly authorized by you.
We highly value your privacy and data security. We will not sell, lease, or disclose your personal information to any third parties without your explicit consent, unless required by law. The following are situations where data sharing may occur:
All data-sharing activities will follow the principle of minimum disclosure and will be subjected to strict security and compliance reviews.
To protect the integrity and confidentiality of your information, Chukua Pesa employs multiple security measures, including but not limited to HTTPS encrypted transmission, server data isolation, access control, and log auditing. All user data is encrypted during transmission via TLS protocol and encrypted during storage on our servers to prevent data leakage, tampering, or unauthorized access.
The servers that store data are hosted in protected data centers with physical and technical security measures. Access to data is restricted to authorized personnel, and all actions are logged for auditing and anomaly tracking purposes.
Furthermore, we comply with the Tanzania Data Protection Act and other related laws, ensuring appropriate measures are in place to prevent unauthorized access, disclosure, alteration, or destruction of your personal data.
Although we implement industry-standard security measures, we cannot guarantee absolute security due to the nature of internet technology. In the event of a data breach, we will notify users and relevant regulatory authorities in accordance with applicable laws.
In accordance with the Tanzania Data Protection Act, you have various rights regarding your personal data. As a Chukua Pesa user, you can view, correct, or update your personal information at any time. We also offer account cancellation and data deletion options, and you can delete your account and data through the app settings. Please note that some information removal may affect your ability to continue using our services, particularly during the loan approval or repayment process.
You can also contact our customer service to request data deletion or withdraw consent. However, certain data may need to be retained due to legal requirements (such as during investigations, disputes, or compliance audits).
We will make every effort to respect your data control rights and comply with your data requests within the limits of the law.
We promise to handle your personal data in a transparent and compliant manner in accordance with the Tanzania Data Protection Act and other relevant laws and regulations. We will only retain your personal data for as long as necessary to fulfill the purpose for which it was collected. We will delete or anonymize your data in the following circumstances:
We promise that after the data retention period ends or upon your request for data deletion, we will take reasonable measures to ensure the complete deletion of your personal data, preventing any unauthorized use or leakage.
Chukua Pesa strictly limits the registration and use of our services by minors (under the age of 18). We do not knowingly collect personal information from minors. If we find that an account belongs to a minor, we will immediately stop providing services and delete the relevant information.
If you are a guardian and discover that your child has used our services without your consent, please contact us immediately, and we will take appropriate actions to resolve the issue.
We may update this Privacy Policy from time to time due to changes in laws, business developments, or user experience improvements. Each update will be clearly communicated through app announcements, pop-ups, or our official website, outlining the significant changes. If the update involves changes to permissions or affects user rights, we will re-seek your consent in a prominent manner.
By continuing to use Chukua Pesa after the updated privacy policy takes effect, you acknowledge that you have read, understood, and accepted the new policy. If you do not agree with the updated content, you may stop using our services.
If you have any questions, suggestions, or complaints regarding this Privacy Policy or your personal information, please feel free to contact us through the following:
We promise to respond as quickly as possible and resolve related issues in accordance with applicable laws.