Last Updated: July 2025
At CHEETAH ZAMBIA LIMITED, we deeply value the trust you place in us when choosing SnapCredit. We are firmly committed to protecting your personal information. This Privacy Policy outlines in a clear, transparent, and comprehensive manner how we collect, store, utilize, and protect your data when you download and use our mobile application, ensuring full alignment with international data protection standards.
Welcome to SnapCredit, a premier personal micro-loan platform designed specifically for residents of Zambia. This Privacy Policy outlines how SnapCredit collects, uses, stores, shares, and protects your data when you install, access, or use our mobile application. We are fully committed to protecting your privacy and ensuring compliance with the Data Protection Act No. 4 of 2021 of the Laws of Zambia and other relevant regulations.
To evaluate your loan eligibility accurately and process your application efficiently, we need to collect specific personal data. Protecting your data and transaction security is our utmost priority. We employ advanced encryption to guarantee that all information remains secure during transmission and storage.
By applying for a credit facility through SnapCredit, you explicitly consent to the collection and processing of the following data blocks under the strict conditions specified below:
We exclusively gather SMS records related to financial transactions from the past six months. By utilizing keyword filtering systems, we identify essential details regarding your accounts, loan history, and financial operations. This analysis helps us determine your credit risk, existing liabilities, and detect fraudulent behavior. We do not access or collect any personal, non-financial messages. All captured data is heavily encrypted and securely transmitted via HTTPS to our server (https://data.cheetahzambia.com), and we strictly prohibit sharing it with any third party.
Submitting a loan application requires us to collect certain details, which may include your contact information, identity verification records, residential address, employment status, and device ID. This data is essential for legal identity verification and assessing your creditworthiness and repayment capacity. Collected information helps us establish your profile, conduct a credit evaluation, and complete the loan approval and funding process. All data is encrypted and transferred to our secure server (https://data.cheetahzambia.com). We guarantee that your information will never be shared with third parties without your explicit consent.
To verify device identity and prevent unauthorized access or fraudulent operations under your account, we collect device specifications including brand, model, Wi-Fi details, regional language settings, and software operational states. This information is immediately encrypted upon collection and uploaded securely via HTTPS to our server (https://data.cheetahzambia.com). We maintain strict confidentiality and will not disclose this data to third parties.
To protect your device environment from malicious software or viruses, we review a list of your installed applications, including application names, installation and update timestamps, package details, and version codes. This data is utilized solely for risk management and loan processing. It is encrypted and securely sent via HTTPS to our server (https://data.cheetahzambia.com), remaining strictly confidential and free from third-party sharing.
To safeguard your account and detect fraudulent logins, we collect your approximate (non-precise) location. This helps us flag unusual activity based on geographic anomalies. This location data is fully encrypted and uploaded via HTTPS to our dedicated server (https://data.cheetahzambia.com). We promise never to share this information with any third party.
For identity confirmation and fraud prevention, you can manually select two individuals from your contact list. We only access the specific contact entries you choose; the rest of your contact list remains completely private. This data is encrypted and transferred via HTTPS to our server (https://data.cheetahzambia.com). We guarantee this information will remain private and will not be shared with outside parties.
SnapCredit processes the collected information solely for the following legitimate business purposes:
We are dedicated to safeguarding your information using commercial-grade security practices. All operations are conducted over a secure, encrypted tunnel via HTTPS. Your data is routed directly to our secure central directory (https://data.cheetahzambia.com). Access to your stored information is strictly regulated, restricted only to authorized entities bound by professional confidentiality contracts.
We strictly adhere to a non-disclosure framework. We do not sell, trade, or share your transactional data, device metrics, or messaging files with commercial third parties. Data disclosure will only take place under the following exceptional boundaries:
We store your records only as long as necessary to complete your financial applications or comply with legal financial bookkeeping regulations under Zambian law. Users maintain full rights to query, update, or ask for the deletion of personal files if no active credit liabilities exist. Requests can be channeled directly to our support unit.
SnapCredit reserves the right to refine or rephrase parts of this Privacy Policy at any period. Upon publishing modifications, the effective date listed above will be updated instantly. We recommend routine checks of this framework to monitor how we maintain data protection.
If you have questions regarding this policy, require data modifications, or wish to report a privacy concern, please contact our dedicated Data Protection Officer at: