PRIVACY POLICY
The following Privacy Policy describes how “We”, FairKash+ Tech and its Affiliates, collect, store, use,
transfer, disclose and protect your Personal Information.
Please read the following carefully to understand our views and practices regarding your Personal Information
and how we will treat it.
1.Personal Information We Collect
In order to provide you with loan services faster and ensure compliance with risk assessment requirements, we
request your agreement to the following permissions. Please read carefully to understand how FairKash+ collects,
uses, and processes your information.
1.1.Collection of Financial SMS
- Purpose of Permission:
We only access SMS data related to financial transactions to assess your creditworthiness and detect fraud. This includes analyzing financial SMS messages to evaluate your credit score, repayment ability, and to combat fraud, money laundering, or other illegal activities.
- Data Collected:
We only collect SMS data that is relevant to financial transactions, including the sender's phone number, the content related to the transaction, and the time the SMS was sent. Non-financial SMS messages are not accessed or monitored.
- Security of Data:
All financial SMS data is encrypted and securely transmitted to our server (https://fbiz.fairkplus.cc) using the HTTPS protocol. We do not share this data with third parties without your explicit permission.
1.2.Collection of Contacts List
- Purpose of Permission:
We collect contact information to verify your social network and identify references during the loan process. This helps us reduce credit risk and detect potential fraudulent loan applications.
- Data Collected:
We only collect the names and phone numbers of your contacts after obtaining your explicit consent. Other optional data, such as relationship and structural address, is not collected unless explicitly required for fraud detection purposes.
- Security of Data:
Your contacts list is encrypted and securely uploaded to our server (https://fbiz.fairkplus.cc) using HTTPS. We will not share this information with third parties without your consent, and the data will be deleted once we have completed your risk assessment.
1.3.Collection of Installed Apps
- Purpose of Permission:
To ensure the security of your loan and detect potential fraud, we need to verify that your device does not contain any untrusted or harmful apps that could compromise your security.
- Data Collected:
We collect metadata about installed applications, including the app name, package name, installation time, and version details. Only data related to financial applications is transmitted and stored. Non-financial applications are neither transmitted nor stored. This data is solely used for security assessment.
- Security of Data:
All collected data is securely transmitted to our server (https://fbiz.fairkplus.cc) via HTTPS and is not shared with any third parties without your consent.
1.4.Collection of Location Data
- Purpose of Permission:
Your geographic location information is collected to assist in risk assessment and fraud detection during the loan approval process.
- Data Collected:
We may request you to enable the Global Positioning System (GPS) on your device to collect real-time location data. This data is used to verify your location in relation to the loan application.
- Security of Data:
Location data is encrypted and securely transmitted to our server (https://fbiz.fairkplus.cc) . We never share this data with third parties without your permission.
1.5.Collection of Phone Device
- Purpose of Permission:
Your phone device information is collected to assist in risk assessment and fraud detection during the loan approval process.
- Data Collected:
We may collect some of your device information, such as hardware information (including the device's operating system, Android version, MID, MediaDrm Unique ID, Widevine Device ID, screen size and other hardware information), and serial number to uniquely identify the device and ensure that unauthorized devices are not to act on your behalf to prevent frauds.
- Security of Data:
Phone Device data is encrypted and securely transmitted to our server (https://fbiz.fairkplus.cc) . We never share this data with third parties without your permission.
1.6.Network Data Usage
To enhance security and minimize fraud risks, we gather certain network-related data:
(1) Google Advertising ID (GAID): Helps improve ad relevance and performance analysis.
(2) Wi-Fi Details: Assessed to identify potential security risks and ensure a stable connection.
(3) Network Status: Includes IP address, connection type, and connectivity state to prevent disruptions and support risk evaluation.
These measures help us maintain a secure and reliable service experience.
2.Data Security and Retention
2.1.Data Security:
.We prioritize the security of your personal information. All collected data (SMS, contacts, installed apps,
location) is encrypted using industry-standard HTTPS protocols and securely stored on our servers. We do not share
your personal information with any third party without your explicit consent.
2.2.Data Retention:
Your data is retained only for as long as necessary for credit risk assessment, loan disbursement, and fraud
detection. Once this period ends, or upon your request, the data will be securely deleted.
3.Your Rights Under Data Protection Laws
You have rights under data protection laws regarding your personal data. These include the right to:
3.1.Request Corrections：
You can request that we correct any incomplete or inaccurate data we hold about you. We may need to verify the
accuracy of the new data you provide.
3.2.Request Deletion：
You can ask us to delete your personal data when there is no valid reason to continue processing it. We may not
always be able to comply with your request due to specific legal reasons, and we will inform you if this is the
case.
3.3.Object to processing：
You can object to the processing of your personal data where we rely on a legitimate interest. You also have
the right to object if we are processing your data for direct marketing purposes.
3.4.Request Data Transfer:
You can request the transfer of your personal data to you or a third party in a structured, machine-readable
format. This right only applies to automated data for which you originally consented.
You can make any requests through our customer service email or online customer service. We aim to respond
within one month, though it may take longer for complex or multiple requests.
4.Information Collected from Third Parties
We may receive information about you from third parties such as Credit Reference Bureaus, Banks, Mobile Network
Providers, collection agencies, vendors, and others who perform functions on our behalf. We only collect this
information when necessary for the purposes of our collaboration with these parties, and they are required to
obtain your consent before sharing your data with us.
5.Cookies
5.1. Use of Cookies
We use cookies and similar tracking technologies to improve your experience and analyze how our app and website
are used. Cookies are small files stored on your device when you access our services.
5.2. Types of Cookies
Essential Cookies: Necessary for the operation of our app and website.
Analytics Cookies: Help us understand user behavior and improve our services.
Advertising Cookies: Used to deliver relevant ads and measure ad performance.
5.3. Managing Cookies
You can manage or disable cookies through your browser settings. However, some features of our app or website
may not function properly if cookies are disabled.
5.4. Third-Party Cookies
We may allow third-party services to set cookies to help with analytics and advertising. These cookies are
subject to their own privacy policies.
6.Changes to this PRIVACY POLICY
We may amend this Privacy Policy at our sole discretion from time to time to reflect legal or regulatory
changes. Any amendments will be communicated through the app, website, or email. You are responsible for reviewing
this Privacy Policy regularly.
7.MARKETING AND PROMOTIONAL MATERIAL
We may send marketing communications about special privileges, promotions, or events via SMS, email, online
messaging, or push notifications. You may opt out at any time by clicking the "unsubscribe" link in the message or
contacting us directly. Even if you opt out, we may still send non-promotional messages such as loan disbursement
or repayment receipts.
8.HOW TO CONTACT US
If you have any questions or need to access, correct, or delete your personal information, please contact our
Data Protection Officer:
- Email: support@fairkplus.live
- WhatsApp: +254 759703015
- Address: Riverside Lane West, Riverside Building, Nairobi Area, Kenya