Privacy Policy

At PayInJoy, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our smartphone financing services.

We collect information that helps us provide our services and improve your experience:

Personal Information

• Identity Information: Full name, date of birth, government-issued ID numbers
• Contact Information: Phone number, email address, residential address
• Financial Information: Income details, employment information, banking details
• Documentation: ID documents, proof of income, photographs

Automatically Collected Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, actions taken)
• Location data (general location based on IP address)

We use your personal information for the following purposes:

• Loan Processing: To evaluate and process your loan application
• Identity Verification: To verify your identity and prevent fraud
• Communication: To send updates about your application and important notices
• Service Improvement: To enhance our services and user experience
• Legal Compliance: To meet regulatory requirements and prevent illegal activities
• Marketing: To inform you about relevant products and offers (with your consent)

We may share your information with trusted partners in the following circumstances:

• Credit Bureaus: To report loan performance and check creditworthiness
• Service Providers: Companies that help us operate our business (payment processors, cloud services)
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets

All third parties are required to maintain the confidentiality and security of your information.

We implement robust security measures to protect your information:

• Encryption of sensitive data during transmission and storage
• Secure servers with restricted access
• Regular security audits and vulnerability assessments
• Employee training on data protection practices

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law.

• Active accounts: Until account closure plus 7 years for legal compliance
• Loan applications: 7 years from application date
• Marketing data: Until consent is withdrawn

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information under certain circumstances
• Objection: Object to processing of your personal information
• Restriction: Request restriction of processing under certain conditions
• Portability: Request transfer of your data to another organization

To exercise these rights, please contact us using the information below.

We use cookies and similar tracking technologies to enhance your experience:

• Essential Cookies: Required for basic website functionality
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Enable enhanced functionality and personalization
• Targeting Cookies: Used to deliver relevant advertisements

You can control cookies through your browser settings. However, disabling cookies may affect website functionality.

Your information may be transferred to and processed in countries other than Tanzania. We ensure appropriate safeguards are in place to protect your information during international transfers.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

If you have any questions about this Privacy Policy or our data practices, please contact us:

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.