RafikiPesa · ANOWIN MICROFINANCE LIMITED
Welcome to RafikiPesa (referred to as "the Platform," "we," or "us"). We know your personal data matters to you, and we take that seriously. This Privacy Policy explains, in plain language, how we collect, use, store, share, and protect your information when you use RafikiPesa's loan and related financial services. It also describes the rights you have over your data.
We promise to handle your personal information fairly, lawfully, and transparently, and to take reasonable steps to keep it safe. Please read this policy carefully before using our services.
To give you a secure, reliable, and personalized experience, we need your permission to access and collect certain information. This helps us with identity checks, credit evaluations, and fraud prevention.
To make sure you are who you say you are, to prevent your loan application from being rejected due to incorrect details, and to protect you from identity theft or fraudulent loans, we need to collect certain identity details. These include your full name, ID number, registered mobile number, date of birth, gender, education, current job information, marital status, and bank account details.
All of this is encrypted and sent to https://date.anowinmicro.com. We do not share it with any third party, keeping your personal data strictly protected.
To better understand your repayment ability, recommend the right financial products for you, and catch fraud early, we collect SMS messages on your device that are related to financial transactions. This includes the sender, timestamp, and message content.
We use smart keyword filters to ignore personal chats, social messages, or anything non-financial. After filtering, the relevant financial SMS data is encrypted and uploaded to https://date.anowinmicro.com for verification. Once the check is complete, the data is wiped immediately — no storage, no sharing.
When you log in using a voice verification code, we may temporarily check some basic call log information — specifically the phone number and call type. This helps us confirm that the SIM card currently in your device matches the phone number receiving the verification code.
All analysis and verification happen locally on your device. The only thing sent to our server (https://date.anowinmicro.com) is an encrypted verification result. Your actual call log content never leaves your phone and is never uploaded or stored anywhere.
To process your loan application faster and to offer locally relevant services, we collect approximate location data from your device. This location information is encrypted and uploaded to https://date.anowinmicro.com. We never share your location with anyone else, fully protecting your location privacy during transmission and storage.
To keep your account secure and block logins from unrecognized devices, we collect basic information about your mobile device — including device name, model, Android version, operating system type, Android ID, and IMEI code. All device information is encrypted and uploaded to https://date.anowinmicro.com. We do not share it with third parties.
We need access to your device's camera mainly to let you capture KYC documents during the application process, such as the front and back of your ID card or your bank card. It is also used to take a selfie, proving that you are the one applying for the loan. This stops others from using your identity to commit fraud and protects your legal rights.
When you submit a loan application, we collect information about the applications installed on your device — including the app name, package name, installation date, and update date. We do this to check whether your device contains harmful software. This app information is encrypted and uploaded to https://date.anowinmicro.com. We never share it with any third party.
During your use of our services, we only collect information for two emergency contacts that you voluntarily provide on the designated contact information page. This includes the contact's name, phone number, and your relationship with them. We never access your full contact list without your permission.
Your emergency contact information is encrypted and uploaded to https://date.anowinmicro.com. We do not share it with anyone, fully protecting the privacy of both you and your emergency contacts.
All the information we collect is encrypted and kept on secure servers located in trusted data centers that meet industry standards for protection.
We hold onto your personal information only as long as we need it for the purposes described in this policy. Once that period is over, we either remove your personal identifiers or delete the data entirely.
We rely on a range of security technologies and internal practices to keep your information safe. These include encrypted data transfer, access controls, activity logging, firewalls, and systems that detect intrusions. We also run regular security checks and risk assessments to make sure our defenses stay strong.
The personal information we collect is used for the following purposes:
We strictly limit who can access user information. Only employees and partners who have a clear business reason to see your data are given access.
We use techniques like data masking and anonymization, along with secure communication protocols, to lower the risk of data leaks.
That said, no internet environment is 100% secure. While we take reasonable and responsible steps to protect your data, we recommend you also protect your account credentials and avoid sharing sensitive information over public or unsecured networks.
To make your experience better, we may use cookies or similar tools to:
You can control or delete cookies through your browser or device settings. However, turning them off may cause some features of the app to work less smoothly.
We will respond to your requests within a reasonable timeframe, as required by law.
We may update this Privacy Policy from time to time — for example, when our business changes, when laws or regulations are updated, or when we adjust our services. If the changes are significant, we will let you know through an in-app announcement or another appropriate channel. By continuing to use RafikiPesa after the updated policy is posted, you agree to the revised terms.
If you have any questions, worries, or complaints about this Privacy Policy or how we handle your information, please reach out to us:
We will get back to you as quickly as we can.
Karibu RafikiPesa (inayojulikana kama "Jukwaa," "sisi," au "sisi"). Tunajua data yako binafsi ni muhimu kwako, na tunaichukulia kwa uzito huo. Sera hii ya Faragha inaelezea, kwa lugha rahisi, jinsi tunavyokusanya, kutumia, kuhifadhi, kushiriki, na kulinda taarifa zako unapotumia mkopo wa RafikiPesa na huduma zinazohusiana za kifedha.
Tunaahidi kushughulikia taarifa zako binafsi kwa haki, kisheria, na kwa uwazi. Tafadhali soma sera hii kwa makini kabla ya kutumia huduma zetu.
Ili kuhakikisha wewe ndiye unayesema wewe ni nani na kukulinda kutokana na wizi wa utambulisho, tunahitaji kukusanya maelezo fulani ya utambulisho. Yote haya yamesimbwa kwa njia fiche na kutumwa kwa https://date.anowinmicro.com. Hatuyashiriki na mtu mwingine yeyote.
Ili kuelewa vyema uwezo wako wa kulipa na kukamata ulaghai mapema, tunakusanya ujumbe mfupi wa SMS kwenye kifaa chako unaohusiana na miamala ya kifedha. Baada ya kuchuja, data husika ya SMS ya kifedha husimbwa kwa njia fiche na kupakiwa kwa https://date.anowinmicro.com. Mara tu ukaguzi utakapokamilika, data hufutwa mara moja.
Unapoingia kwa kutumia msimbo wa uthibitishaji wa sauti, tunaweza kukagua kwa muda baadhi ya taarifa za msingi za kumbukumbu ya simu. Uchambuzi na uthibitishaji wote hufanyika ndani ya kifaa chako. Kitu pekee kinachotumwa kwa seva yetu ni matokeo ya uthibitishaji yaliyosimbwa kwa njia fiche.
Tunakusanya data ya takriban ya eneo kutoka kwa kifaa chako ili kusindika ombi lako la mkopo haraka zaidi. Taarifa hii ya eneo imesimbwa kwa njia fiche na kupakiwa kwenye https://date.anowinmicro.com. Hatushiriki kamwe eneo lako na mtu mwingine yeyote.
Tunakusanya taarifa za msingi kuhusu kifaa chako cha mkononi — ikijumuisha jina la kifaa, modeli, toleo la Android, Kitambulisho cha Android, na msimbo wa IMEI. Taarifa zote za kifaa zimesimbwa kwa njia fiche na kupakiwa kwenye https://date.anowinmicro.com.
Tunahitaji ufikiaji wa kamera ya kifaa chako ili kukuruhusu kunasa hati za KYC wakati wa mchakato wa maombi, kama vile mbele na nyuma ya kadi yako ya kitambulisho au kadi yako ya benki, na pia kupiga picha ya selfie.
Unapowasilisha ombi la mkopo, tunakusanya taarifa kuhusu programu zilizosakinishwa kwenye kifaa chako ili kuangalia kama kifaa chako kina programu hatari. Taarifa hii imesimbwa kwa njia fiche na kupakiwa kwenye https://date.anowinmicro.com.
Wakati wa matumizi yako ya huduma zetu, tunakusanya taarifa za mawasiliano mawili ya dharura pekee ambazo unazitoa kwa hiari. Hii inajumuisha jina la anwani, nambari ya simu, na uhusiano wako nao. Hatufikiia kamwe orodha yako yote ya mawasiliano bila ruhusa yako.
Taarifa zote tunazokusanya zimesimbwa kwa njia fiche na kuhifadhiwa kwenye seva salama. Tunategemea teknolojia mbalimbali za usalama ikijumuisha uhamishaji wa data uliosimbwa kwa njia fiche, vidhibiti vya ufikiaji, ngome, na mifumo inayogundua uvamizi.
Tunaweka kikomo cha wale wanaoweza kufikia taarifa za watumiaji. Hata hivyo, hakuna mazingira ya mtandao yaliyo salama 100%. Tunapendekeza pia ulinde sifa za akaunti yako na uepuke kushiriki taarifa nyeti kupitia mitandao ya umma.
Tunaweza kutumia vidakuzi ili kukumbuka hali na mapendeleo yako ya kuingia, kujifunza jinsi watumiaji wanavyofanya ili tuweze kuboresha huduma zetu, na kukuonyesha mapendekezo yanayokufaa zaidi.
Tunaweza kusasisha Sera hii ya Faragha mara kwa mara. Ikiwa mabadiliko ni makubwa, tutakujulisha kupitia tangazo la ndani ya programu. Kwa kuendelea kutumia RafikiPesa baada ya sera iliyosasishwa kuchapishwa, unakubali masharti yaliyorekebishwa.