This Privacy Policy outlines how ZaloKash ("we", "our", or "the App") collects, uses, stores, and shares information when you access or use our mobile application, services, and features. This policy applies to all products and services offered by ZaloKash and is binding upon all users.
By installing or using ZaloKash, you agree to the practices described in this Privacy Policy.

1. Data We Collect

We may collect the following types of information: • Personal Information: Your full name, phone number, email address, government-issued ID, and other identifiable details.
• Device Information: Including device model, OS version, language, IP address, and unique device identifiers.
• Location Data: Approximate location data collected to assess risk and enhance fraud detection.
• Usage Data: Log and usage data within the App to help improve functionality.
• Advertising ID: To track engagement and measure marketing performance.

2. Purpose of Data Collection

We collect your data to:
• Process loan applications and assess creditworthiness;
• Verify your identity and reduce fraud;
• Improve the user experience within the App;
• Comply with applicable laws and regulations;
• Contact you for loan-related communications or support.

3. Permissions We Request

ZaloKash may request access to the following device permissions:
• Phone Number: For identity verification.
• Emergency Contacts: Entered manually to help assess risk.
• Location Access: To validate loan applications and detect fraud.
• Camera Access: To capture KYC documents (e.g., ID photos).
• Device Info: Collected automatically to prevent identity spoofing.
• Advertising ID: Used to optimize our services and monitor engagement.
We do not access your full contact list, photos, or personal files.

4. Data Security

All information collected is encrypted and stored securely on our server at: https://api.zalokash.co.zm. We employ strong safeguards such as firewalls, authentication protocols, and multi-layer encryption to ensure your data remains protected.

5. Sharing of Information

We do not sell or rent your personal data. Your information may be shared only under these circumstances:
• With your consent;
• With government authorities if required by law;
• With service providers under strict confidentiality agreements;
• In the event of violation of our terms or loan default.

6. Your Rights

You may request to: • Access or correct your personal information;
• Delete your account and associated data;
• Withdraw consent for data processing (subject to legal restrictions);
• Contact us for privacy concerns at help@zalokash.co.zm.

7. Data Retention

We retain personal information for as long as it is necessary to fulfill our services or comply with legal obligations. Once data is no longer needed, it is securely deleted.

8. Updates to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the App or email. Continued use of the App signifies your acceptance of the updated terms.

For any questions or feedback regarding this Privacy Policy, please contact us at:
Email: help@zalokash.co.zm
API Server: https://api.zalokash.co.zm