Last Updated: March 18, 2025

Welcome to MaishaPesa! This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our Application and services. By downloading or using our App, you agree to the terms outlined below. If you do not agree, please refrain from using our services.

This Privacy Policy applies to your use of our Platform, Application, and Services, and should be read alongside our Terms and Conditions.

1. Definitions

Capitalized terms in this Privacy Policy have the same meanings as defined in our Terms and Conditions.

2. Information We Collect

We collect personal information to provide and improve our services. This information may come directly from you, your device, or third parties.

2.1 Information You Provide

When you register an account, we collect:

- Personal details: Name, date of birth, gender, address, email, phone number, marital status, and emergency contacts.

- Financial details: Mobile money account, bank account, and payment card information.

- Account credentials: Username, password, and other login details.

2.2 Information Collected Automatically

When you use the App or visit our website, we may collect:

- Device information: IP address, device ID, operating system, and browser type.

- Usage data: Pages visited, session duration, and actions taken.

- Location data: GPS information (if enabled).

- Cookies: Small files stored on your device to improve user experience. You can manage cookies through your browser settings.

2.3 Information from Third Parties

We may receive information from:

- Credit bureaus: For credit scoring and verification.

- Banks and mobile network providers: For payment processing.

- Partners and service providers: To enhance our services.

2.4 Information About Others

If you provide personal information about third parties (e.g., emergency contacts), you confirm that you have their consent.

3. How We Use Your Information

We use your personal information for the following purposes:

- To create and manage your account.

- To process payments and issue credit.

- To comply with legal obligations (e.g., anti-money laundering laws).

- To communicate with you about updates, offers, and promotions.

- To improve our App and services.

- To prevent fraud and unauthorized activities.

4. Sharing Your Information

We may share your information with:

- Service providers: For payment processing, data storage, and analytics.

- Partners: To offer you additional products or services.

- Legal authorities: To comply with laws or respond to legal requests.

- Affiliates: For business operations and data processing.

We ensure that third parties protect your information in line with this Privacy Policy and applicable laws.

5. Data Transfers

Your information may be transferred to and stored in countries outside Tanzania. We ensure such transfers comply with Tanzanian data protection laws and provide adequate protection through contractual agreements or other safeguards.

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. After this period, your data will be securely deleted or anonymized.

7. Your Rights

Under Tanzanian law, including the Personal Data Protection Act, you have the right to:

- Access: Request a copy of your personal information held by us.

- Correction: Request correction of inaccurate or incomplete data.

- Deletion: Request deletion of your data, subject to legal requirements.

- Withdraw Consent: Withdraw consent for data processing at any time.

- Object: Object to the processing of your data for specific purposes.

To exercise these rights, contact us at service@maishapesa.cc.

8. Data Security

We implement robust technical and organizational measures to protect your information, including:

- Encryption: Secure transmission of sensitive data.

- Access controls: Restricting access to authorized personnel only.

- Regular audits: Monitoring and improving our security practices.

While we strive to protect your data, no method of transmission over the internet is 100% secure.

9. Compliance with Tanzanian Laws

We are committed to complying with the Personal Data Protection Act and other applicable laws. This includes:

- Ensuring lawful, fair, and transparent processing of your data.

- Limiting data collection to what is necessary for specified purposes.

- Providing clear information about how your data is used.

- Ensuring data accuracy and allowing you to correct inaccuracies.

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. If we make significant changes, we will notify you through the App, email, or other means. Your continued use of our services constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, or wish to exercise your rights, please contact us at:

- Email: support@maishapesa.cc

- Address: 3F Oyster Plaza Street, Dar es Salaam, Tanzania

12. Consent

By using our services, you consent to the collection, use, and sharing of your personal information as described in this Privacy Policy. If you do not agree, please do not use our services.

13. Dispute Resolution

If you believe your data protection rights have been violated, you may file a complaint with the Tanzania Data Protection Authority or contact us directly to resolve the issue.