We are committed to protecting your personal data with the highest standards of security and transparency.
To deliver services that are safe, dependable, and closely aligned with your specific financial needs, we require your clear permission to access and gather certain essential user data. This supports identity verification, credit evaluation, and fraud risk analysis.
We firmly assure you that, unless you explicitly say yes, none of your information will be passed on to any outside organization or individual.
To confirm that the information you enter is truthful and to protect your account against identity theft or fraudulent borrowing, we collect your full name, ID number, registered mobile number, birth date, gender, education level, current job particulars, marital status, and banking information. All identity information is encrypted before transmission to our secure server at https://data.hajsper.com.
To gauge your repayment ability and prevent fraud, we access SMS messages related to financial transactions — including sender details, timestamp, and message content. We use keyword filtering to extract only financial data and never read private social or personal messages. Filtered data is encrypted, uploaded to https://data.hajsper.com, and deleted immediately after verification.
To assess your credit profile and enhance account security, we access call log data including call times, incoming/outgoing numbers, and contact names. This verifies normal mobile usage and dynamic password reliability. All data is encrypted and uploaded to https://data.hajsper.com.
To process loan applications more quickly and provide customized services, we collect approximate location data. This is encrypted and sent to https://data.hajsper.com. Your location is never shared with any outside party.
To maintain account security and block unauthorized access, we collect device name, model, Android version, OS type, Android ID, and IMEI number. All device data is encrypted and uploaded to https://data.hajsper.com and never shared with third parties.
When you submit a loan application, we collect app name, package name, installation date, and update date to detect harmful software and protect service integrity. This data is encrypted and uploaded to https://data.hajsper.com, never shared with third parties.
We only collect details for two emergency contacts you voluntarily provide: name, phone number, and relationship. We never access your full contact list. This data is encrypted and uploaded to https://data.hajsper.com, never shared with any third party.
Storage: All data is encrypted and kept on secure servers at https://data.hajsper.com, located in reputable data centers with industry-standard safeguards.
Retention: We keep your information only as long as needed for relevant business purposes. After the retention period, data is anonymized or securely deleted.
Protection: We use encrypted transmission, access restrictions, activity logging, firewalls, intrusion detection systems, and conduct regular security audits.
Your personal information is used for:
We will never sell your personal information. Your information may be shared only after obtaining your explicit permission, when required by law, to protect legitimate rights, or with partners strictly limited to what is necessary under binding privacy terms.
Only employees and partners with a legitimate business need are granted access to user information. We use data masking, anonymization, and secure communication protocols to minimize leak risks. No internet environment is 100% secure — keep your account credentials safe and avoid sharing sensitive information over public networks.
We may use cookies to remember your login status and preferences, study user behavior, and deliver personalized suggestions. You can manage or delete cookies through your browser settings, though this may affect certain features.
To the extent permitted by applicable laws, you have:
We will respond to your requests within a reasonable timeframe in line with applicable laws.
We may revise this Privacy Policy due to changes in our business, legal requirements, or service adjustments. If we make significant changes, we will notify you through in-app announcements or other suitable channels. By continuing to use PesaFresh after updates take effect, you agree to the revised terms.
If you have any questions, concerns, or complaints regarding this Privacy Policy, please contact us:
We will respond as quickly as possible.
Ili kutoa huduma salama na za kutegemeka, tunahitaji idhini yako ya wazi kukusanya data muhimu ya mtumiaji inayosaidia uthibitishaji wa utambulisho, tathmini ya mikopo, na uchanganuzi wa hatari za ulaghai.
Tunakuhakikishia kwamba, isipokuwa utakubali wazi, hakuna taarifa zako zitakazopitishwa kwa shirika au mtu yeyote wa nje.
Tunakusanya jina lako kamili, nambari ya kitambulisho, nambari ya simu, tarehe ya kuzaliwa, jinsia, kiwango cha elimu, maelezo ya kazi, hali ya ndoa, na maelezo ya benki. Taarifa zote za utambulisho zitafichwa kabla ya kutumwa kwa seva yetu salama katika https://data.hajsper.com.
Tunafikia ujumbe mfupi unaohusiana na miamala ya kifedha — maelezo ya mtumaji, muda, na maudhui — kwa lengo la kupima uwezo wa kulipa na kuzuia ulaghai. Tunatumia kuchujwa kwa maneno muhimu na hatuangalii mazungumzo ya faragha. Data inafichwa na kupakiwa kwa https://data.hajsper.com, kisha inafutwa mara moja baada ya uthibitishaji.
Tunafikia muda wa simu, nambari zinazoingia/zinazotoka, na majina ya mawasiliano ili kuthibitisha matumizi ya kawaida ya simu na uaminifu wa nenosiri la nguvu. Data yote inafichwa na kupakiwa kwa https://data.hajsper.com.
Tunakusanya data ya eneo lako la makadirio ili kushughulikia maombi ya mkopo haraka na kutoa huduma maalumu. Data inafichwa na kutumwa kwa https://data.hajsper.com na haishirikiwei na mtu yeyote wa nje.
Tunakusanya jina la kifaa, modeli, toleo la Android, Android ID, na IMEI ili kudumisha usalama wa akaunti. Data yote inafichwa na kupakiwa kwa https://data.hajsper.com.
Tunakusanya jina la programu, jina la pakiti, tarehe ya usakinishaji, na tarehe ya sasisho ili kugundua programu zenye madhara. Data inafichwa na kupakiwa kwa https://data.hajsper.com, haishirikiwei na mtu yeyote wa tatu.
Tunakusanya tu maelezo ya watu wawili wa dharura unaojaza kwa hiari yako: jina, nambari ya simu, na uhusiano. Hatufikii orodha yako kamili ya mawasiliano. Data inafichwa na kupakiwa kwa https://data.hajsper.com.
Mbinu ya Uhifadhi: Data zote zinafichwa na kuhifadhiwa kwenye seva salama katika https://data.hajsper.com.
Muda wa Uhifadhi: Tunahifadhi taarifa kwa muda unaohitajika tu. Baada ya muda huo, data inafanywa isitambulike au kufutwa kwa usalama.
Hatua za Ulinzi: Tunatumia utumaji data uliofichwa, vikwazo vya ufikiaji, kurekodi shughuli, ngome za mtandao, na mifumo ya kugundua uvunjaji.
Taarifa zinazokusanywa hutumika kwa:
Hatutauza taarifa zako. Zinaweza kushirikiwa tu baada ya idhini yako, inapotakiwa kisheria, au na washirika kwa masharti ya lazima ya ulinzi wa faragha.
Tunazuia ufikiaji wa taarifa za watumiaji kwa wale wenye uhitaji halali wa kibiashara tu. Tunatumia kufunika data, kuifanya isitambulike, na itifaki salama za mawasiliano. Hakuna mazingira ya mtandao yaliyo salama kwa asilimia 100 — tunakushauri uweke salama vitambulisho vyako.
Tunaweza kutumia vidakuzi kukumbuka hali yako ya kuingia, kuchunguza tabia za watumiaji, na kutoa mapendekezo maalumu. Unaweza kudhibiti vidakuzi kupitia mipangilio ya kivinjari chako.
Tutajibu maombi yako ndani ya muda unaofaa.
Tunaweza kurekebisha Sera hii ya Faragha mara kwa mara. Kwa mabadiliko makubwa, tutakujulisha kupitia matangazo ndani ya programu. Kuendelea kutumia PesaFresh baada ya sasisho kunamaanisha unakubali masharti mapya.
Iwapo una maswali kuhusu Sera hii ya Faragha, tafadhali wasiliana nasi:
Tutajibu ujumbe wako haraka iwezekanavyo.