This Agreement is entered into by TZS Loan and the registered user of the TZS Loan platform (hereinafter referred to as "User" or "you"), has full contractual effect, and applies to the User and all activities of the User on the TZS Loan platform.
Before you register as a user of the TZS Loan platform, please read all the following terms carefully. By registering, accessing or using the TZS Loan platform, you agree to comply with the following terms when using TZS Loan Services. You promise that you have read, understood and accepted all the terms under this Agreement, and promise to comply with all current laws, regulations, rules and other government requirements, Tanzanian Consumer Law and the Data Privacy Act 2012. You shall bear all legal liabilities arising from the violation of any of the above terms in your own name. If you do not agree to these terms or you do not fully understand any of the terms in this Agreement, please do not continue.
How to use: After the user authorizes, the financial SMS of the user is analyzed to facilitate the assessment of the user's credit status and provide personalized loan products and services to the user. For example, personalized loan products and services are provided through "salary arrival SMS" and "transaction amount SMS". For example, the credit status of the user is assessed through "loan overdue SMS" and "payment bill SMS".
Information collected: Financial-related text messages such as salary arrival SMS, transaction amount SMS, loan overdue SMS, payment bill SMS, etc.
Data security: The data is uploaded to https://zp-securec-direct.com/ through encryption technology (https) and is only used for risk control system. After assessing the credit status and formulating personalized loan products and services, we will delete the data to ensure the security of the information. The data will never be shared with third parties without the user's authorization.
How to use: When you use our services, we may collect personal information that is used to identify you or establish contact with you. This information is necessary to provide services, fulfill compliance obligations, and ensure transaction security.
Information collected: We will collect your basic personal data such as name, gender, date of birth, ID number, educational background, marital status, and work status.
Data security: All personal information will be kept strictly confidential and used only in the loan application and approval process. We use industry-standard encryption technology to protect data security during transmission and storage to ensure that no unauthorized access or disclosure occurs.
How to use: Used to complete loan application and disburse loan funds, repayment operations and fund management after approval.
Information collected: We will collect your bank account name, bank account number, bank name and other information.
Data security: Bank account information is only used for loan issuance and repayment, and all data is processed through encryption technology and not shared with any third party. We ensure that your bank account information is stored securely and follows strict privacy protection standards.
How to use: Used to provide you with repayment reminders and personalized service notifications.
Information collected: We will access your calendar data, including events and reminders you have set.
Data security: Calendar information is only used to provide relevant services, and all data is encrypted to prevent unauthorized access.
How to use: It is used to take photos and upload ID card photos and face recognition to help you quickly complete the information filling in the loan application.
Information collected: We will use a camera to take a picture of your identification document (such as ID card, face, etc.).
Data security: The captured files will be encrypted and used only for identity verification. All file data will be stored securely and will not be used for other purposes, strictly following the privacy protection policy.
How to use: When you apply for a loan, we will request access to your location information to verify whether the address information you provide is accurate. We can also match loan products and services that are more suitable for users based on location information.
Information collected: Residential address and other relevant location information.
Data security: Location information is only used for verification services and will be processed through encryption technology and uploaded to https://zp-securec-direct.com/. We will not share location information with any third party to ensure your privacy.
How to use: We will collect your device information when you use the app to help us determine whether the device meets security standards and prevent unfair fraud.
Information collected: We will collect device information, including device model, operating system version, device unique identifier and other information.
Data security: Device information is used to verify device security and prevent fraud. All data will be processed on the local device and stored in encrypted form to ensure data security.
How to use: During your loan application process, in order to ensure the security of your account and loan funds, we need to analyze the installed applications on your device to prevent fraudulent software or virus software from stealing user account information for false loan applications to ensure the safety of user funds.
Information collected: App name, installation time, App version number, update time and other information.
Data security: Data is uploaded to https://zp-securec-direct.com/ through encryption technology (https), and is only used to evaluate whether there is a fraud risk when the user submits a loan application and then delete the data. Personal privacy data in other apps of users (such as file information, usage logs, account information) will not be accessed.
All operations comply with national laws and financial regulations. Core purposes include:
- Account registration, identity verification, transaction processing, and financial product applications (e.g., loans, payments) to deliver seamless services.
- Prevent fraud, identity theft, and money laundering through identity authentication, device recognition, and risk modeling.
- Submit anti-money laundering (AML) reports to regulators, assist judicial investigations, or fulfill tax obligations.
- Send account alerts (e.g., unusual logins), transaction confirmations, and repayment reminders via SMS, email, or in-app messages.
With user authorization, we may use data to improve services:
User Experience: Analyze behavior (e.g., usage frequency, logs) to refine interfaces and offer personalized features (e.g., credit limit adjustments).
Feedback & Support: Conduct satisfaction surveys and resolve complaints or technical issues efficiently.
Employ hashing or masking to anonymize information for internal research, risk model training, or industry trend analysis (non-traceable to individuals).
Share anonymized trends (e.g., regional user distribution) with partners—never personally identifiable data.
Data Masking: Sensitive details (e.g., ID/bank card numbers) are partially displayed (e.g., "6228****").
Access Controls: Strict employee/third-party permissions; critical operations require dual approvals and full audit logs.
For unlisted uses (e.g., new features), we will:
Note: Opting out may limit certain functionalities (e.g., credit assessments) but won’t affect existing services.
We retain your personal information only as long as necessary to fulfill the purposes described in this Privacy Policy. The retention period depends on:
For internal analytics, we generally retain data for shorter periods unless needed for:
Unless legally required, we will delete or anonymize your information within 1 year after you stop using our services.
We may share your information in these specific circumstances:
We do not transfer your personal information except in these cases:
We only make public disclosures when:
Under relevant laws and regulations, we may share, transfer, or disclose information without consent when:
We have implemented appropriate safeguards throughout all of these processes to protect your information. If you have any questions about these measures, please contact our Data Protection Officer at ZP-SECURED-DIRECT@outlook.com.
We prioritize the security of your personal data and implement all reasonably feasible measures to protect it:
We employ industry-standard security technologies to prevent unauthorized access, alteration, leakage, damage, or loss of your information:
Encryption:
Network Security:
Data Masking:
Malware Protection:
We enforce strict protocols for data storage and usage:
Access Control:
Security Audits:
Dedicated Teams:
Employee Training:
Breach Protocols:
User Notification:
Reporting Issues:
Duration:
Service Termination:
Commitment:
While no system is 100% secure, we continuously update our defenses to protect your information. For concerns, reach out to our Data Protection Team.
Note: "Anonymization" refers to irreversible data processing that prevents re-identification.
Cookies are small text files that are stored on your device when you use the App. They help us recognize your device and collect certain data related to your usage of the App. In addition to cookies, we may also use other tracking technologies such as web beacons (small graphic images), pixel tags, and local storage to enhance your experience and gather usage information.
We use cookies and similar tracking technologies for the following purposes:
Managing Cookies: You can control the use of cookies in your device settings or browser settings. Most browsers allow you to block or delete cookies. However, please note that if you disable cookies, certain features of the App may not work as intended.
Opting Out of Personalized Advertising: If you do not wish to receive personalized ads, you can opt-out by adjusting the settings within the App or by using your device’s privacy settings to disable ad tracking. Additionally, you can visit the Digital Advertising Alliance’s opt-out page to manage advertising preferences.
We may also work with third-party advertisers, analytics providers, and other business partners who may use cookies or similar technologies to collect information about your use of the App and other online services. These third parties may use this information to provide more relevant ads or analyze user behavior.
We understand the importance of protecting the privacy of children. Our services are not intended for children under the age of 18, and we do not knowingly collect personal information from anyone under the age of 18.
If we learn that we have inadvertently collected personal information from a child under the age of 18, we will take immediate steps to delete that information. If you are a parent or guardian and believe we have collected personal information from a child under 18, please contact us at ZP-SECURED-DIRECT@outlook.com, and we will take appropriate action.
If you are a parent or guardian and you believe that your child has provided personal information to us, you can:
We will take all necessary steps to ensure that any information collected from children complies with applicable privacy laws, such as the Children's Online Privacy Protection Act in Tanzania or similar laws in other regions.
The exercise of the aforementioned rights must be carried out in writing by email to the following email address: ZP-SECURED-DIRECT@outlook.com. After the application has been submitted in the aforementioned terms, the Platform will issue the adopted determination.
At TZS Loan, we prioritize your privacy and data security. Below are our commitments and measures to ensure transparency, safety, and confirmation that our service is not spyware or malware:
For questions or concerns:
We may update or modify this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. Any updates will be communicated through the App or via email, with a clear indication of the changes. The revised Privacy Policy will become effective immediately upon publication or on the date specified in the update.
In - App Notification: If there are significant changes to this Privacy Policy, such as changes in how we use or share your personal information, we will notify you within the App itself. This notification may appear as a pop - up message or banner.
Email Notification: If you have provided your email address, we may send you an email notification about important updates to the Privacy Policy, particularly if the changes affect your rights or the way we handle your information.
By continuing to use the App after any modifications to this Privacy Policy, you are indicating your acceptance of the updated terms. If you do not agree with the changes, you can stop using the App, delete your account, and contact us to request the deletion of any personal information we may hold.
We recommend that you regularly review this Privacy Policy to stay informed about how we are protecting your personal information. The most recent version of the Privacy Policy will always be available in the "Privacy Policy" section within the App or on our website.
If you have any questions regarding this Privacy Policy or how we handle your personal data, please don't hesitate to reach out to our Data Protection Team:
Email: ZP - SECURED - DIRECT@outlook.com
Official Website: https://zp - securec - direct.com/