1. Introduction
We (the “App”, “we”, “us”) respect your privacy. This policy explains how we collect, use, share, and protect your personal data when you use our mobile app to apply for and manage loans.
2. Information We Collect
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Personal & identity info: name, contact details (email, phone), date of birth, ID documents — to verify identity and comply with KYC regulations .
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Financial info: income, banking details, credit history — needed to assess and process loan applications .
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Device & usage data: device type, OS version, IP address, location to enhance security and the app’s performance .
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App permissions (opt-in): SMS, contacts, camera/microphone — used for fraud detection, emergency contacts, identity verification .
3. How We Use Your Data
Your data is used to:
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process loan applications and manage accounts;
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verify identity and prevent fraud;
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send you notifications about your account and repayments;
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improve app functionality;
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comply with legal/regulatory obligations.
4. Sharing & Disclosure
We may share your information with:
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Service providers (e.g., KYC tools, SMS gateways, cloud hosts);
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Financial partners (e.g., lenders, banks for disbursement/repayment);
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Legal or regulatory bodies when required.
We do not sell your personal data.
5. Cookies & Tracking
We may use cookies or similar technologies to enhance performance, verify sessions, and analyze app usage.
6. Data Retention
We retain your personal data only as long as necessary to fulfill services, comply with legal obligations, resolve disputes, and enforce agreements
7. Data Security
We implement industry-standard safeguards—encryption, access controls, secure storage—to protect your data. However, no system is infallible .
8. Your Rights
Depending on your jurisdiction, you may have rights to access, correct, delete your data, or restrict processing. You also have rights to withdraw consent for optional data collection (e.g. SMS, camera).
9. Consent & Opt-Out
Certain features (like SMS monitoring or camera access) require your explicit consent. You may withdraw this at any time via app settings, but doing so may affect functionality.
10. Children
Our app is intended for users aged 18+. We do not knowingly collect personal data from minors under 18.
11. Policy Updates
We may update this policy to reflect changes in our practices or legal requirements. We’ll notify you of significant changes within the app or via registered contact methods.
12. Contact Us
If you have questions, wish to exercise your rights, or lodge a complaint, contact our Data Protection Officer at:
Info@dmkcapital.ug