This service is operated by SIYATHA CAPITAL INVESTMENT (PRIVATE) LIMITED ("we", "us", or "our"). This Privacy Policy explains how KivoLoan collects, uses, stores, discloses, and safeguards your personal data. By accessing or using our services, you acknowledge that you have read, understood, and consented to this policy in its entirety. If you disagree with any provision, please discontinue use immediately.
Your continued use of KivoLoan constitutes explicit acceptance of these terms, including your understanding of their legal implications and authorization for us to process your data as described.
We collect certain data to provide you with a tailored Service. We also collect data to verify your identity and create credit assessment models to determine which loans we can offer you. We also use this data for debt collection and credit assessment purposes.
Including your full name, gender, date of birth, marital status, residential address, city or town, province, and other relevant personal details.
Including job type and monthly income
The data selected or filled in by the user from the address book, including the relationship with the contact, the contact name and the contact number
Including the payment account information provided by the user himself and the account information used for payment.
A valid government-issued ID photo that proves the user's identity.
User's own personal selfie
The above interactive information is an important basis for your loan application review. This information will be safely retained in our server and will not be shared with third parties. You can also choose to delete your personal user data.Your face information will be encrypted and transmitted to https://www.siyathacapital.online . After analysis, we will permanently delete the SMS data. We will not share your SMS data with any third party.
a. After obtaining your authorization for SMS access, we only collect financial-related data from SMS messages.(This data includes: SMS message content, sender, recipient, and time of sending and receiving.)
b. We use keyword filtering and sent to https://www.siyathacapital.online. After analysis, we will permanently delete the SMS data. Ensure that no non-financial SMS data is collected or uploaded.
c. KivoLoan will not read and collect your SMS data when the app is closed or not in use.
We analyze financial data in user SMS messages to assess their debt, financial status, and financial activities, thereby assessing their credit and financial status. This serves as a crucial source of information for our anti-fraud and credit assessment efforts.
a.SMS data of users is filtered by keywords, and we only collect data related to financial activities. We do not collect private information.
b.We will fully disclose and declare SMS data to users before collecting SMS data, and we will collect SMS data only after users have authorized SMS permissions
c. Your SMS data will be encrypted and sent to https://www.siyathacapital.online . After analysis, we will permanently delete the SMS data. We will not share your SMS data with third parties.
KivoLoan collects certain device and network information to verify device authenticity, prevent fraud, and protect user accounts. This may include device model, operating system version, screen size, device language, RAM, storage capacity, device identifiers, Wi-Fi status, and mobile network information. We use this information for security checks, risk assessment, and credit evaluation.
We will collect information about network-connected applications on user devices, including a list of applications that obtain INTERNET permissions, a list of applications that obtain ACCESS_NETWORK_STATE permissions, and the names, package names, versions, and other information of the applications in the list.
We collect information about apps that obtain specific permissions on user devices. This information is intended to help us identify apps that are used to damage applications and potentially for anonymization and fraud, using the principle of least privilege. (For example, Fake GPS: fake location Super Clone: cloning software)
a. We use the official and secure PackageManager API interface provided by Android and only used to identify third-party, non-system apps on the device that have been granted specific permissions (INTERNET, ACCESS_NETWORK_STATE). This feature is used for risk management and device environment assessment and does not involve user privacy or behavioral analysis.
b. The retrieved app list data will be GZIP compressed (using the gzipString() method) and encrypted for transmission to https://www.siyathacapital.online and ensure data security.
c. KivoLoan will never share your data with any third party. Data collection will only occur with your consent.
When you authenticate your identity, we will ask you to take a selfie photo by calling your device's camera. We will upload your selfie photo to our server for identity verification.
We will only ask you to take a selfie with the camera when you authenticate your identity. We will also only upload the only selfie photo you have confirmed to our https://www.siyathacapital.online server after encryption.Your data will be protected and kept confidential.
Access to your device storage requires your permission, which will allow you to upload photos and/or documents to complete the application form during the loan application process. The data will be encrypted and uploaded to our member server (https://www.siyathacapital.online) via HTTPS protocol. Your data will be protected and kept confidential. We will never share this data with third parties.
With your permission, we collect the names and phone numbers of contacts you select from your address book. This information is used to facilitate emergency contact selection, support identity verification, and manage fraud and credit-related risks. Selected contact details are encrypted and securely transmitted to https://www.siyathacapital.online.
We access only the photos you select from your device's photo album to help you upload identification documents during your loan application. These selected images are encrypted and securely transmitted to https://www.siyathacapital.online for identity verification and risk assessment. We protect this information against unauthorized access or disclosure.
We only collect service-related interactions (clicks, browsing, app launches/closes) to optimize functionality and security. Data is anonymized, encrypted, and never sold/shared with third parties.
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.
The app does use third party services that may collect information used to identify you.
Link to privacy policy of third party service providers used by the app
Usage. The advertising identifier must only be used for advertising and user analytics. The status of the "Opt out of Interest-based Advertising" or "Opt out of Ads Personalization" setting must be verified on each access of the ID.
Association with personally-identifiable information or other identifiers. The advertising identifier must not be connected to personally-identifiable information or associated with any persistent device identifier without explicit consent of the user.
Respecting users' selections. If reset, a new advertising identifier must not be connected to a previous advertising identifier or data derived from a previous advertising identifier without the explicit consent of the user. Also, you must abide by a user's "Opt out of Interest-based Advertising" or "Opt out of Ads Personalization" setting. If a user has enabled this setting, you may not use the advertising identifier for creating user profiles for advertising purposes or for targeting users with personalized advertising. Allowed activities include contextual advertising, frequency capping, conversion tracking, reporting and security and fraud detection.
Transparency to users. The collection and use of the advertising identifier and commitment to these terms must be disclosed to users in a legally adequate privacy notification.
We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data").
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access the Service by or through a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.
Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
KivoLoan Apps uses the collected data for various purposes:
KivoLoan Apps may disclose your Personal Data in the good faith belief that such action is necessary to:
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Company Name : SIYATHA CAPITAL INVESTMENT (PRIVATE) LIMITED
Address：M3Q6+XV9, Zvishavane, Zimbabwe
Telephone：+263
Email：Kivoloanjbbwservice@outlook.com