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Privacy Policy


PRIVACY POLICY

Linker-Mkopo takes your privacy very seriously. This Privacy Policy explains what personal information we collect and with whom we share it and how you (the user of the Service) can prevent us from sharing certain information with certain third parties.

Please read this Privacy Policy in entirety. For any questions and/or clarifications contact us in accordance with the policy procedures.

CONSENT

By downloading Linker-Mkopo App, you consent to Linker-Mkopo collecting and processing of your personal information for legitimate business purposes, including but not limited to determining your credit score and providing a loan. By accepting the terms of this privacy policy you consent to practices described herein.

Section 1: DEFINITIONS

This Privacy Policy applies to use of:

1.Linker-Mkopo mobile application software(“App”) available on our site or hosted on the Google Play Store ”App Site”, once you have downloaded the App onto your mobile telephone device (Device).


2.Any of the services accessible through the App which are available on the App site or other site of ours (“Service Sites”).

Terms used in this Privacy Policy shall have the following meanings:

“Compliance Obligations” means Linker-Mkopo’s legal obligation imposed by local and international law, internal policies and procedures;

“Consumer” or “”User” means any natural person within the Republic of Kenya to which Linker-Mkopo provides its products and services.

“Consumer Information” means consumer personal data, confidential information, tax information, information concerning the consumer, consumer’s transaction, use of Linker-Mkopo’s products and services and history relation with Linker-Mkopo;

“Personal Data” means any information concerning the individual who can be identified, directly or indirectly; in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical,

\ physiological genetic, mental, economic etc. whether recorded in a material form or not;


“Sensitive Consumer Personal Data” means data revealing the natural person’s race, health, status, ethnic, social origin, conscience, belief, genetic data, biometric data, property details, marital status, family details including names of the person’s children, parents, spouse or spouses, sex or sexual orientation;


“Services” means services offered by Linker-Mkopo in particular via Linker-Mkopo App during the relation established between Linker-Mkopo and the customer;


“We”:,“Our” and “Us” refer to Linker-Mkopo .


“Consent” means a clear and express indication of your agreement to the processing of your personal data. Consent will only be valid if it's freely given, specific, informed and unambiguous. You can withdraw your consent at any time by contacting us via rekhabaikhamod@gmail.com Reference to the singular includes the plural (and vice versa).


SECTION 2. INFORMATION WE COLLECT

Linker-Mkopo collects two types of data, one is the system data authorised by the user to Linker-Mkopo, which is described in 1.1, and the other is the information filled in by the user, including but not limited to the user's name and other data, which is described in detail in 1.2.



1.1 User authorization data



1.1.1 Sms

Monitoring and collection of SMS content: All SMS data will be encrypted by the application and uploaded to the server, including sender number, sender name and text message content, these text message data also include your historical information, which helps us identify the various accounts the Customer owns and the flow patterns of cash held by the Customer.



Purpose: To identify and analyse your multi-loan behaviour and risks, to assess whether the loan can be processed by helping prevent fraudulent collections. It will be used to calculate eligibility and assess customer risk. Other text messages will not be evaluated. We analyse the user's text messages, verify and track the user's financial transactions in the background, and make the correct credit limit decision based on the user's consumption budget and payment ability. This helps us identify the various bank accounts you may have, cash flow patterns, descriptions, and transaction amounts that you as a user can help you process. We conduct credit risk assessments to determine your risk profile and provide you with appropriate credit analysis. through this process.



SMS data storage: SMS data will be encrypted and uploaded to our membership server https://get.getlinkpesa.net via HTTPS protocol. At no point will we share this data with third parties.


1.1.2 Emergency Contacts Information

What we monitor and collect: During the usage of services, you shall be expected to provide emergency/reference contacts to verify your credit and help you through the loan application process.

Purpose: Information collected is needed for risk analysis so that we can test reliable references to assess you and determine your eligibility for loans and reduce credit risk.

Location Data Storage: Details of emergency contacts will be encrypted and uploaded to our server https://get.getlinkpesa.net via HTTPS protocol.


1.1.3 Location

What we monitor and collect: Information about the location of your device is collected and monitored.

Purpose: Based on the location information of the device, calculations are made to establish the user's credit score model; to avoid unnecessary trouble and impact on customer service if the user's device is lost and stolen.

Location Data Storage: Location data will be encrypted and uploaded to our dedicated server https://get.getlinkpesa.net via HTTPS protocol. At no point will we share this data with third parties.


1.1.4 Phone and Device

What we monitor and collect: Collect and monitor specific information about your device, including but not limited to your phone number, and information stored on your device including call logs, device name, model number, region and language settings, device identifier, device hardware and software information, IP address, status, usage habits, unique device identifiers such as IMEI and serial number.

Purpose: To uniquely identify the device and to ensure that unauthorised devices do not act on your behalf to prevent fraud.

Phone and Device Data Storage: Phone and device data will be encrypted and uploaded to our dedicated server https://get.getlinkpesa.net via HTTPS protocol. At no point will we share this data with third parties.


1.1.5 Installed Application

What we monitor and collect: We will collect a list of apps in your phone

Purpose: We will use this data to ensure that no non-Google trusted apps or virus apps are installed on your phone as these may affect the security of your funds.

Installed Application Data Storage: Phone and device data will be encrypted and uploaded to our dedicated server https://get.getlinkpesa.net via HTTPS protocol.At no point will we share this data with third parties.


1.1.6 Battery level

What we monitor and collect: Collect the user's battery power information.

Purpose: To optimise the application performance and reduce the loss of user's battery power, extend the life of the user's equipment.

Battery Level Data Storage: Camera data will be encrypted and uploaded to our dedicated server https://get.getlinkpesa.net via HTTPS protocol. At no point will we share this data with third parties.


1.1.7 WiFi networking data

What we monitor and collect: Monitor users' network conditions.

Purpose: To avoid data hazards during usage; this data is used to improve the latency of network requests and give users a better usage experience.

WiFi Data Storage: WiFi data will be encrypted and uploaded to our dedicated server https://get.getlinkpesa.net via HTTPS protocol. At no point will we share this data with third parties.