Personal information we collect

 

We may collect information about you from you and third parties during your use of our Services, websites and mobile applications. While some information is mandatory, other information is optional and some portion of the information will remain private and some will be shared with relevant third parties. All information you provide to us is voluntary. This information includes but is not limited to the following:

 

Information about you when you register or use the website;

 

Personal and financial information, such as your name, email address, contact number, gender, date of birth, marital status, ID card, contact information, address, name and phone number of the emergency contact, employment information, payslip, education, bank account information, etc.;

 

Credit-related information collected from credit bureaus and other sources.

 

We may also collect other personal information, such as SMS, location data, mobile device data, etc.

 

your unique identifiers such as username, preference information and transaction history;

 

Information you provide to us by writing to us directly (including by email) or by telephone;

 

Any other information that the website is required to collect pursuant to specific authorization from any bank or as required by applicable law;

 

Electronic bank statements provided through a third-party provider

 

Aggregated information and electronic data – such as pages viewed, how you navigate the site and interact with web pages.

 

What we need access to

 

Device Information

 

App collects device-specific data when a user logs in or applies for a loan, including hardware model, operating system and version, unique device identifiers (such as IMEI and serial number), user profile information, Wi-Fi information, and mobile network information , this data is only used to ensure that your loan is only allowed to be used with your current device login account,and to ensure the security of your funds and account information. We only store device information data on the server and will not share your personal data with any third-party organization.

 

Camera

 

App may ask you to use your camera to send a selfie or live image of your face. This is facial recognition, which is used to verify your identity and prevent others from stealing your personal information for loan fraud. . We will upload the image data to the server and will not share your personal data with any third party.

 

Location

 

App collects and monitors information about the approximate location of your device to ensure that you are within our service range. and conduct customer risk assessments and scores.The location information we collect is stored on the server and used for temporary data analysis, and your personal data will not be shared with any third parties.

 

Use of Personal Information We Collect

 

We may use the personal information we collect for any of the following purposes and other purposes permitted by applicable law:

 

1. We may use your personal information:

 

To identify you and register you as a user and to manage, administer or verify your account and your credit terms;

 

Facilitate or enable any checks we deem necessary in our sole discretion before we register you as a user;

 

Make loan payments and collect fees for your use of services;

 

Build credit models and perform credit scoring;

 

Comply with applicable laws, regulations and rules, such as those related to “know your customer”and anti-money laundering requirements;

 

Communicate with you and send you information related to your use of the website;

 

Notify you of any updates to the website or changes to services (including interest rates, transaction fees, etc.);

 

Process and respond to your inquiries and feedback;

 

Maintain, develop, test, enhanceand personalize the Application to meet your needs and preferences as a user;

 

Contact you by phone using autodialed or prerecorded message calls or text messages (as applicable) as authorized for the purposes described in this Privacy Policy and Terms of Use;

 

Monitor and analyze user activity and demographic data, including trends and usage of the services provided on the website; and

 

To send you direct marketing communications and information about special offers or promotions.

 

2. We may also use your personal information more broadly for the following purposes (although in each case we will always act reasonably and will not use more personal information than is necessary for the specific purpose):

 

Responsible for relevant business processes and functions;

 

Monitor the usage of the website and manage, support and improve the performance efficiency, user experience and functionality of the website;

 

Provide assistance with the website and resolve any technical difficulties or operational issues with the website;

 

Generate statistical information and anonymous analytical data for testing, research, analysis and product development;

 

Prevent, detect and investigate any prohibited, illegal, unauthorized or fraudulent activity;

 

Facilitate business asset transactions involving us and/or any of our affiliates (which may extend to any merger, acquisition or sale of assets);

 

To enable us to comply with our obligations under any applicable law (including, without limitation,responding to regulatory inquiries, investigations or orders) and to conduct audit inspections, due diligence and investigations.

 

Sharing personal information we collect

 

We may disclose or share your personal information with affiliates and others for any of the purposes below and as otherwise permitted by applicable law (although in each case we will always act reasonably and will no longer disclose or share) for any specific purpose. Personal information required):

 

Where required or authorized by applicable law (including, without limitation, in response to regulatory inquiries, investigations or orders, or to comply with statutory or regulatory filing and reporting requirements), for the purposes specified in such applicable law;

 

If there are any form of legal proceedings arising between you and us or between you and another party in connection with the Service, for the purposes of such legal proceedings;

 

For the purpose of any such transaction, in the course of any merger, sale of corporate assets,consolidation or reorganization, financing or acquisition of all or a portion of our business or into another company or in the course of the negotiations of such transaction (even if the transaction ultimately not carried out);

 

Our relationships with thirdparties (including credit bureaus, banks, mobile network providers, collection agencies, our agents, vendors, suppliers, contractors, partners and anyone elsewho provides services to us or performs functions on our behalf persons) to whom we share your personal information, or persons with whom we collaborate)for or in connection with the purposes for which such third parties engage or for which we collaborate with such third parties (as the case may be), which may include allowing such Third parties introduce or provide products or services to you, or otherwise conduct activities, including marketing, research,analysis and product development;

 

When we share personal information with affiliated companies, we will only do so for the purposes that they help us provide the website or operate our business (including, if you subscribe to our mailing list, for direct marketing purposes), or They carry out data processing purposes on our behalf. For example, your personal information may be processed and/or stored by our affiliates in another country on behalf of our group companies in your country. All of our affiliates are committed to processing personal information received from us in accordance with this Privacy Policy and applicable law;

 

We publish statistics related to the use of the Application and Services, in which case all information will be aggregated and anonymized;

 

When we believe in good faiththat disclosure of your personal information is necessary to comply with applicable law, prevent physical harm or financial loss, report suspected illegal activity, or investigate violations of our Terms of Use;

 

If personal information disclosed or shared with other parties does not need to be associated with you,we will use reasonable efforts to remove any means by which the personal information can be associated with you before disclosing or sharing such information.

 

Except as provided in this Privacy Policy, we may disclose or share your personal information if we notify you in advance and obtain your consent.

 

Security of your personal information

 

The security of your personal data is very important to us and we are taking all steps reasonably necessary to ensure that your data is handled, stored and processed securely in accordance with this policy.

 

But please be aware that no method of transmission over the Internet, or method of electronic storage is100% secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the website; any transmission is at your own risk. Once we receive your information, we will use strict procedures and security features to try to prevent unauthorized access

 

Your Right

 

You have rights under data protection laws and regulations in relation to your personal data. These include the following rights:

 

1. Request access to your personal data. This enables you to receive a copy of the personal data we hold about you and to check whether we are processing it lawfully;

 

2. Request correction of the personal data we hold about you. This enables you to correct any incomplete or inaccurate data we hold about you, although we may need to verify the accuracy of new data you provide to us.

 

3. Request deletion of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us to continue processing it. If you have successfully exercised your right to object to processing (see below), we maybe processing your information unlawfully or we are required to delete your personal data to comply with local law. Please note, however, that we may not always be able to comply with your deletion request due to specific legal reasons, which we will notify you of (if applicable);

 

4. Object to the processing of your personal data where we rely on legitimate interests (or the interestsof a third party). You also have the right to object to our processing of your personal data for direct marketing purposes. In some circumstances, we may demonstrate that we have compelling legitimate grounds for processing your information which override your rights and freedoms:

 

5. Request restriction of processing of your personal data. This allows you to ask us to suspend processing of your personal data if: (a) you want us to establish the accuracy of the data; (b) our use of the data is unlawful but you do not want us todelete it; (c ) for as long as you require us to retain the data, even if we no longer need it because you need it to establish,exercise or defend legal claims. You object to us using your data but we need to verify that we have an overriding legitimate reason to use your data

 

6. To request the transfer of your personal data to you or to a third party. We will provide your personal data to you or a third party you have chosen in a structured, commonly used,machine-readable format. Note that this right only applies to automated information that you have initially consented to our use, or where we use the information to perform a contract with you;

 

7. Where we rely on consent to process your personal data, you can withdraw your consent at any time.However, this will not affect the lawfulness of any processing that took place before you withdrew your consent. If you withdraw your consent, we may not beable to provide certain products or services to you. If this happens, we will notify you when you withdraw your consent

 

If you wish to exercise any of the above rights, please contact us at help@wezami.com. We endeavor to respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or if you have made multiple requests. In such event we will notify you and keep you updated.

 

Storage and Retention ofPersonal Information

 

All your personal informationwe collect in your country will be stored in the country. We will not transfer your personal information overseas.

 

Your personal information will only be retained for as long as necessary to fulfill the purpose for which it was collected, or as required or authorized by applicable law (5 years).Once we have reasonable grounds to believe that the collection of personal information no longer satisfies the purpose for which it was collected, we will stop retaining the personal information, or delete the means by which the personal information can be associated with you personally. Personal information is no longer required to be retained for legal or business purposes. We will only retain your personal data for as long as necessary for the purposes set out in this policy.

 

Minor protection

 

Our Services are not directed to anyone under the age of 18 (“Children”).

 

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you area parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we discover that we have collected personal data from children without parental consent, we will take steps to delete that information from our servers.

 

Changes to this PrivacyPolicy

 

We may update our privacy policy from time to time. Therefore, it is recommended that you check this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately upon posting on this page.