Privacy Policy

Privacy Policy

This Privacy Policy applies to all products/software and services "DreamFund". You agree to this Privacy Policy to collect, use, disclose and process information ( personal and device information ) related to your access to and use of the Services. We reserve the right to modify these policies at any time. We invite you to periodically review this section for possible updates and changes. Notification of any material changes may be sent to your account via email or system messages.

Information Collection and Use

For a better experience, when using our services, we may ask you to provide us with certain personally identifiable information. The information requested will remain on your device and we will not collect it in any way.

The app does use third-party services that may collect information that can be used to identify you.

SMS

SMS content monitoring and access: All SMS data is encrypted by the application and uploaded to the server, but we filter and remove private SMS data on the server. We access SMS records of financial transactions in the form of filtering data from your inbox for the last 12 months, including sender number, sender name and SMS content; this financial SMS data also includes your historical information, but we only use the financial related information and will remove it from the servers after analyzing the user's loan eligibility.

Purpose: To identify and analyze your multiple borrowing behavior and risk, access whether a loan can be processed helping to prevent fraudulent collections and monitor the details and amounts of financial and non-financial SMS transactions. It will be used to calculate eligibility and access customer risk. Other SMS will not be evaluated. We analyze the user's SMS, verify and track their financial transactions in the background and make appropriate credit limit decisions based on their spending budget and ability to pay. This helps us identify the various bank accounts you may have, cash flow patterns, descriptions and the number of transactions you as a user can help process. Through this process we perform a credit risk assessment to determine your risk profile and provide you with the appropriate credit analysis.

SMS data storage: SMS data will be encrypted and uploaded to our dedicated servers ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) via HTTPS protocol. We never share this data with third parties.

Contact person

We collect all contacts from your phone book, including contact name, phone number and the date the contact was added to improve your credit profile and allow you to quickly select references in your loan application. Under no circumstances will we store or share your data or transfer it to third parties. We will upload the contact information to the DreamFund server ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) . Your data will be protected and kept confidential.

Contact person

Primary Account

Allow DreamFund upload the user's primary account information permission to our server ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) , so as to conduct risk control assessment and give you pre-approved loan preferences. Encrypt and upload to the outside. To identify and analyze their behaviors and risks, which will help prevent fraud.

Installed application list

You must authorize us to install application listing information on your mobile phone to assist us in our risk assessment. All data will be encrypted and uploaded to our servers ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) .

File

In order to provide you with mobile applications and services, or to comply with legal obligations, we may need to collect and use certain personal file information. Your private file will only be uploaded to DreamFund Loanserver ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) . Under no condition will we never share this data with third parties.

Camera

Use a camera to capture documents and/or photos required for the application and assessment process. We upload and transmit the content of the camera to a secure network environment on our server ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) .

Images

DreamFund collects your identification image and facial image to verify your true identity. We upload images by taking photos and do not access your albums and other images. The collected ID card images and facial images are transmitted and uploaded to our server ( https://tanzania.inxsac.com and https://jn.prestaclp.com ). We will use HTTPS encryption to store your personal data. We do not share any of your personal data with third parties.

Collection of mobile phone data

Collect and monitor specific information about your device, including name, model, region,language, identifiers, hardware and software information, status, usage habits, unique identifiers ( such as IMEI and serial numbers ) . It is only used to identify your device and to ensure that it cannot be used without your authorization and to prevent fraud. In addition, we will collect a detailed list of your installed applications to assess your borrowing propensity and debt situation, we will upload the collected data to our highly secure server DreamFund ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) ,

Collection of locations

Collect and monitor information about device locations for risk assessment and scoring. We will upload location data to our server DreamFund ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) .

Collection of calendars

It is used to remind you of the repayment date and avoid overdue repayment from affecting your credit. We will upload the calendar data to the server ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) for loan comparison, your data will be protected and kept confidential.

Collection of data storage

For all information collected, we will store it on DreamFund's servers ( https://tanzania.inxsac.com and https://jn.prestaclp.com ) with a high degree of protection.

How is your information shared?

We will not share your personal information with third parties unless:

• We have obtained your consent to do so.

• We are required to do so by law or in response to a legal process.

• We need to share your information with service providers who assist us in providing our app and its features.

• You fail to honour our terms of engagement.

Protection of Your Personal Information

We take reasonable measures to protect the security and confidentiality of your personal information. We have implemented technical and organizational measures to prevent unauthorized access, use, or disclosure of your personal information.

Your Rights and Choices

You have the right to access, correct, or delete your personal information that we hold. You may also request that we restrict the processing of your personal information or transfer it to another organization.

Use and Processing of Collected Information

When processing personal information, we act as data controllers and data processors. Unless we have entered into a data processing agreement with you, in which case you will be the data controller and we will be the data processor.

Our role may also vary depending on the specific situation involving personal information. We act as a data controller when we ask you to submit personal information necessary to ensure your access and use of mobile applications and services. In this case, we are the data controller because we determine the purposes and means of processing personal information.

We act as a data processor when you submit personal information through mobile applications and services. We do not own, control or make decisions about the personal information submitted and such personal information is processed only in accordance with your instructions.

In this case, the user who provided the personal information acts as the data controller.

In order to provide you with mobile applications and services, or to comply with legal obligations, we may need to collect and use certain personal information. If you do not provide the information we request, we may not be able to provide you with the requested product or service, and any information we collect from you may be used for the following purposes:

Create and manage user accounts

Send management information

Request user feedback

Run and operate mobile applications and services

Loan recovery

The processing of your personal information depends on how you interact with mobile applications and services, your location in the world and whether one of the following applies: ( i ) you have agreed to one or more of the specific purposes; ( ii ) provide The information is necessary to perform an agreement with you and/or any pre-contractual obligations; ( iii ) the processing is necessary to comply with your legal obligations; ( iv ) the processing is related to the public interest or the exercise of official powers conferred on us and the performance of the tasks related to; ( v ) the processing is necessary for the legitimate interests pursued by us or a third party.

Please note that under certain laws we may be permitted to process information until you object to such processing by opting out without relying on consent or any other legal basis. In any event, we would be happy to clarify the specific legal basis applicable to the processing, in particular whether the provision of personal information is a statutory or contractual requirement or is necessary to enter into a contract.

Policy change

Any information collected is subject to the policies in effect at the time such information was collected. However, we may revise this policy from time to time. If we make changes to our Privacy Policy, we will provide you with other forms of notice of modifications or updates as appropriate. Your continued use of our application or service after changes are posted will mean your acceptance of those changes.