Scope of policy
- The Aspira mobile application software (App) available on our site OR hosted on the Google Play Store (App Site) once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device).
- Any of the services accessible through the App (Services) those are available on the App Site or other sites of ours (Services Sites).
This policy sets out the basis on which any personal data that we (Cim Credit Kenya) collect from you, or that you provide to us, will be processed by us.
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
Information we may collect from you
We may collect and process the following data about you.
Information you give us about you (Submitted information):
provided by filling in forms in the App or on the App Site (together Our Sites);
provided by corresponding with us (for example, by e-mail or chat);
including information you provide when you register to use the App Site, download or register an App, subscribe to any of our Services (such as applying for a loan), search for an App or Service, share data via an App’s social media functions, enter a competition, promotion or survey, and when you report a problem with an App, our Services, or any of our Sites; and including your name, address, e-mail address and phone number, the Device’s phone number, SIM card, age, username, password and other registration information, financial and credit information, personal description and photograph.
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:
technical information, including the type of mobile device you use, unique device identifiers (for example, your Device’s IMEI or serial number), information about the SIM card used by the Device, mobile network information, your device operating system, the type of browser you use, or your Device’s location and time zone setting (Device Information);
information stored on your Device, including contact lists, call logs, SMS logs, Facebook friends, contact lists from other social media accounts, photos, videos or other digital content (Content Information);
details of your use of any of our Apps or your visits to any of Our Sites including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).
Location information. We may also use GPS technology OR other location services to determine your current location. You can withdraw your consent at any time by logging out and uninstalling the app from your Device.
Information we receive from other sources (Third Party Information). We are working with a limited number of third parties (including credit reference agencies and mobile network providers) and may receive information about you from them.
Unique application numbers. 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 and cookies
We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site, Appstore or Service Site. This helps us to provide you with a good experience when you use the App or browse any of the sites and also allows us to improve the App and our sites.
Uses made of the 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 to provide a loan to the customer, the amount of such loan and the terms and conditions applicable to such loan.
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).
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, our ultimate holding company and its subsidiaries.
We may disclose your personal information to third parties:
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;
If Cim Credit Kenya or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;
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; and/or 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.
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 third party for such purposes, provided that such information will always be anonymous.
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 10 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 firstname.lastname@example.org