At NETCREDIT AFRICA LImited, we are committed to protecting the privacy and confidentiality of personal information and activities of our users, agents, partners and other identifiable individuals. This policy is set to inform users regarding our guidelines with the collection, use, and disclosure of personal information as they use our service, through any of the channels, including the NETCREDIT AFRICA web & mobile applications and the USSD (Unstructured Supplementary Service Data).
i. Information Collection and Use
NETCREDIT AFRICA may from time to time process certain Personal Information from our agents and third parties such as vendors, business partners, customers, service providers (e.g. Banks, Switches – NIBSS, Interswitch, Credit Bureau etc.), suppliers, including information recorded and unique per identified category and information supplied from various channels. For a better experience while using our service, we may require you to provide us with certain personally identifiable information, including but not limited to your name, phone number, basic personal information and documents. The information that we collect will be used to contact / identify you. NETCREDIT AFRICA may share Personal Information with its vendors, business partners, customers, service providers (e.g. Banks, Switches – NIBSS, Interswitch, Credit Bureau etc.), suppliers for the purpose of customer support. Suppliers are required to keep confidential Personal Information received from NETCREDIT AFRICA and shall not use it for any purpose other than as originally intended or subsequently authorized or permitted.
ii. Log Data
We want to inform you that whenever you visit our service, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer’s Internet Protocol ("IP") address, browser version, pages of our service that you visit, the time and date of your visit, the time spent on those pages, your location while using our service and other statistics.
iii. Service Providers
We may employ third-party companies and individuals due to the following reasons:
Users of the NETCREDIT AFRICA USSD, web and mobile applications have reasonable access to their Personal Information for purposes of amendment/correction and deletion in situations where information supplied by the user is incorrect or user perceives a need for change.
v. Data Integrity
NETCREDIT AFRICA will secure and process Personal Information in a way that is harmonious with the purpose for which it has been collected. We take steps to ensure information collected is accurate, reliable, current and relevant to its intended use.
We value your trust in providing us your Personal Information, thus we strive to use commercially acceptable means of protecting it in order to avoid loss, misuse, unauthorized disclosure taking into due consideration the risks involved in the handling and the nature of the Personal Information. Some of the means we use are:
vii. Children’s Privacy
Our Services do not address anyone under the age of 13. We do not knowingly collect personal identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to take the necessary actions.
We will hold your personal information on NETCREDIT AFRICA’s systems for as long as is necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements.
As a user, you have a right to: