This data privacy, protection and cookie policy describes your privacy rights in the collection, use, storage, sharing and protection of your personal information by (Sky Pesa) ("us", "our" or "our"). It applies to our website and all related websites, applications, services and tools, no matter how you access or use them.
This data privacy, protection, and cookie policy ("Privacy Policy") will help you understand how we use your information and how we handle it. However, this privacy policy does not apply to services that are not owned or controlled by Sky Pesa, including third-party websites and services of other Sky Pesa merchants. Our goal is to process personal data provided to us in accordance with applicable data privacy and protection laws.
This privacy policy applies to all forms of systems, operations and processes involving the collection, storage, use, transmission, and processing of personal information in the Sky Pesa environment.
We respect the privacy of online visitors and registered users ("users"), so we will take reasonable measures to protect your information.
To use our website or any of our products or services, as described in this privacy policy, you must agree to the use of your data.
Sky Pesa provides users with an online lending platform.
The purpose of this privacy policy is to set certain standards for the operation of Sky Pesa.
With the development of our technology and legal requirements, we may need to update, modify, or amend our privacy policy. We reserve the right to change this privacy policy from time to time and notify users of major changes. The privacy policy will apply from the effective date provided on our website.
If the user objects to any changes to this privacy policy, the user must stop using this website or terminate his account after creating an account.
Our website and services are not directed at children under the age of 18. We do not knowingly collect information from children under the age of 18. If, as a parent or guardian, you know that your child or child under guard has provided us with any information without your consent, please contact us through the details provided in this privacy policy.
As part of our operations, Sky Pesa collects and processes certain types of information, including but not limited to:
a. Email address
b. First name and last name
c. phone number
d. Address, state, province, postal code, city
e. Electronic usage data
f. National ID number
g. Other information about you to help us better understand you, such as your gender, age, date of birth, nationality, professional association, and registration number
h. A generation. Your possible comments, questions, requests, and orders
i. financial information needed to process loans and payments, such as credit card or account information or other bank information
j. Information about your location
k. Your emergency contact information
l. Your sms information
m. Your calendar information.
When using our application to provide the functions of our application, we may collect with your prior permission:
a. Mobile phone (device). Collect and monitor specific information about your device, including your device name, model, region and language settings, device identification code, device hardware and software information, status, usage habits, IMEI and serial number and other unique device identifiers that uniquely identify the device and make sure that unauthorized devices will not act on your behalf to prevent fraud.
b. Media. Identify the pictures you upload, use OCR technology to identify the pictures, increase the speed of user information review, and improve user experience.
c. Location. Collect and monitor the location information of the equipment, including the user equipment's longitude, latitude, location area, location area code, positioning method, positioning time and other location-related information; purpose of collection: to score the user's credit and monitor the user's actual location Information to ensure the security of user accounts. For example, to verify the authenticity of user authentication information during user registration and authentication; or for security reasons, when a user opens an APP and logs in, he needs to determine the user's actual location, confirm whether the user account is at risk, and notify the user in time if an abnormality is found to ensure the user's safe funds. The location information will also be encrypted and uploaded to our server and will not be shared with any third party.
d. Application list. We will also read your application list to identify the presence of malware and scammers, to maintain the security of the mobile phone system environment and lending services. The application information will be encrypted and uploaded to our server and will only be used for anti-fraud services and credit evaluation. We will not sell, trade, or rent your application list information to any third party.
e. Information about how you interact with us. Sky Pesa may collect technical data about your use of the Sky Pesa application and how you interact with our digital advertising and promotions. With your consent, Sky Pesa uses cookies and similar technologies to collect this information.
f. SMS information. All SMS data will be encrypted by the application and uploaded to the server, but we will filter and delete personal private SMS data from the server and only collect SMS data related to financial transactions. Including SMS content, sender number, sender name and SMS content for loan credit risk assessment. And after analyzing the user's loan qualifications, all your SMS messages will be deleted from the server. We do not monitor, read, store or share any of your personal SMS data. SMS data is transmitted encrypted to the application server (https://app.skypesa.space/) and will not be shared with any third party without your consent.
g. Call Log. All call log data will be securely encrypted and transmitted to our dedicated server at (https://app.skypesa.space/) via the HTTPS protocol. We assure you that your call logs will only be used to confirm the installation of our app on the same device and facilitate dynamic password verification and will not be monitored, read, stored, or shared for any other purposes. We prioritize the privacy and security of your personal information, and under no circumstances will your call log data be shared with third parties without your explicit consent.
h. Calendar information. We need your permission to access your calendar, enabling us to read and write appointments. This is crucial to bolster our anti-fraud measures and ensure that you receive timely reminders prior to your repayment date, thus avoiding any late fees.
We use this information to provide the functions of our services to improve and customize our services. This information may be uploaded to the company’s server and/or service provider’s server, or it may simply be stored on your device. You can enable or disable access to this information at any time through your device settings
These individuals include current, past, and future employees, merchants, suppliers/suppliers, merchant customers, users, and other individuals ("data subjects") who communicate or transact jointly and/or individually with Sky Pesa.
Sky Pesa is firmly committed to complying with applicable data protection laws, regulations, rules, and principles to ensure the security of personal information processed by the company.
To fully access our website and services, you must register for a Sky Pesa account. When you register for an account, we will collect personal information that you voluntarily provide to us. Personal information refers to information related to an identified person or information that can be used to identify you (such as email address, bank details, name, phone number). It may also include anonymous information (such as an IP address) that may be specifically linked to you.
We use your personal information to:
a. Provide you with the services you need
b. Recovering the loan provided to you
c. Keep up-to-date records
d. Participate in and manage your requirements for us
e. To fulfill the contract between us
f. Respond to your questions or requests
g. Improve functions, website content and analyze data to develop products and services
h. Solve the improper use of our website
i. Use internal and third-party screening tools to prevent, detect and manage the risks of fraud and illegal activities
j. Send you marketing content, newsletters and service updates curated by Sky Pesa, but if you do not want to receive our news, we will provide you with the option to unsubscribe
k. Use internal and third-party tools to verify your identity and the information you provide in accordance with Sky Pesa's legal obligations
l. Resolve possible disputes, including investigations by law enforcement or regulatory agencies
m. Any other purpose disclosed to you in the process of providing Sky Pesa service to you
n. For other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional activities, and evaluating and improving our services, products, services, marketing, and your experience.
We may share your personal information in the following situations:
a. Share with service providers to monitor and analyze the usage of our services, and contact you
b. Share or transfer your personal information during any merger, asset sale, financing or acquisition of all or part of our business to another company or during negotiation.
c. Share your information with our affiliated companies. In this case, we will require these affiliated companies to comply with this privacy policy. Affiliated companies include our parent company and any other subsidiaries, joint venture partners, or other companies that we control or share with us.
d. Share your information with our business partners to provide you with certain products, services, or promotions.
e. With your consent, disclose your personal information for any other purpose.
We may retrieve other personal information about you from third parties and other identity verification/verification services (such as your financial institution and payment processor).
With your consent, we may also collect additional personal information in other ways, including emails, surveys, and other forms of communication. Once you start using our service through your Sky Pesa account, we will keep a record of your transaction and collect information about your other activities related to our service. We will not share or disclose your personal information to third parties without your consent unless it is necessary to provide you with our services or in accordance with applicable laws.
When providing services to you, we may rely on third-party servers located in foreign jurisdictions from time to time, so we may need to transmit or maintain your personally identifiable information on computers or servers in foreign jurisdictions. We will work hard to ensure that the data protection legislation of such foreign jurisdictions is not lower than Kenya's current data protection regulations and handle your personally identifiable information in a safe and reliable manner.
Use restrictions
Sky Pesa collects personal information for certain purposes and provides loan services and has obtained consent. Such personal information may not be used for other purposes that are inconsistent with the original purpose unless consent is obtained for that purpose.
Data minimization
Sky Pesa limits the collection and use of personal information to data that is relevant, sufficient, and necessary for the purpose of performing data processing. Sky Pesa will assess whether and to what extent personal information needs to be processed and will use anonymous data if the purpose permits.
We use cookies to identify your user identity, make your user experience easier, customize our services, content, and advertising; help you ensure that your account is not compromised, reduce risks, and prevent fraud; and on our website Promote trust and safety. Cookies allow our servers to remember IP addresses, date and time of access, monitor network traffic and prevent fraudulent activities.
Our cookies never store personal or sensitive information; they just make a unique random reference to you so that after you visit the site, we can identify you and provide you with certain content.
If your browser or browser plug-in allows, you can choose to disable cookies on our website, but this may affect your experience of using our website.
Sky Pesa shall establish appropriate control measures to protect the integrity and confidentiality of personal information, including digital and physical formats, and to prevent accidental or deliberate disclosure of personal information.
Sky Pesa is committed to managing your personal information in accordance with global industry best practices. We use physical, technical, and management security measures to protect your personal information to reduce the risk of loss, misuse, unauthorized access, disclosure, and change. We also use industry-recommended security protocols to protect your personal information. Other security protection measures include, but are not limited to, data encryption, firewalls, and physical access control to our buildings and files, and only grant access to employees who need personal information to perform their job duties. Any unauthorized processing of personal information by employees who perform such personal information as part of their legal duties is unauthorized.
Employees can only access personal information when they are suitable for the type and scope of the relevant tasks and may not use personal information for their own private or commercial purposes, or disclose it to unauthorized persons, or provide such information in any way. another way.
Sky Pesa will not sell, trade, or rent personal information to anyone. However, in order for us to provide services to you on our website, we may share your information with trusted third parties, such third parties including financial institutions, payment processor verification services, sanctions screening and identity verification services and you have directly authorized to receive your personal information.
Your personal information may be stored in a location outside of Sky Pesa's direct control, for example, on a server or database located at the same location as the hosting service provider.
We may disclose your personal information in accordance with applicable laws or our bound legal obligations.
The use of your information by such third parties will be governed by their applicable privacy policies, and you should read them carefully.
Third-party processor in Kenya
Sky Pesa may hire third-party services to process the personal information of data subjects collected by Sky Pesa. The processing of such third parties shall be bound by a written contract with Sky Pesa to ensure that the third parties take adequate protection and security measures to protect personal information in accordance with the terms of this privacy policy.
Transfer of personal information to foreign countries
If personal information is transferred to countries/regions outside of Kenya, Sky Pesa shall take appropriate measures to ensure the security of such personal information. Sky Pesa should, among other things, confirm whether the country has sufficient data protection laws in the National Information Technology Development Agency ("NITDA") whitelisted countries/regions.
The transfer of personal information out of Kenya will comply with the provisions of the Kenya Data Protection Regulations. Therefore, Sky Pesa will only transfer personal information out of Kenya under one of the following conditions:
The transfer of personal information out of Kenya will comply with the provisions of the Kenya Data Protection Regulations. Therefore, Sky Pesa will only transfer personal information out of Kenya under one of the following conditions:
a. The consent of the data subject has been obtained.
b. Transfers necessary to perform the contract between Sky Pesa and the data subject or to perform pre-contract measures taken at the request of the data subject.
c. For the benefit of the data subject, it is necessary for Sky Pesa to sign a contract with a third party.
d. Need to transfer for reasons of public interest.
e. The transfer is to establish, exercise or defend legal rights.
f. To protect the vital interests of the data subject or other persons, transmission is necessary if the data subject is physically or legally incapable of expressing consent.
g.Sky Pesa will take all necessary measures to ensure that personal information is transmitted in a safe and reliable manner. When your personal information is transferred outside Kenya The detailed information of the protection provided at the time shall be provided to you according to your requirements.
Reasons for processing personal information
If at least one of the following conditions is met, Sky Pesa's processing of personal information shall be legal:
a. The data subject has agreed to the processing of his personal information for one or more specific purposes.
b. Processing necessary to perform the contract to which the data subject is a party or take measures at the request of the data subject before signing the contract.
c. Processing is necessary to comply with the legal obligations assumed by Sky Pesa;
d. Processing necessary to protect the vital interests of the data subject or other natural persons; and
e. The processing is necessary to perform tasks performed in the public interest or to exercise the official public authorization granted by Sky Pesa.
As far as this privacy policy is concerned, consent refers to any freely given, specific, informed, and clear expression of the data subject’s wishes. Through a statement or clear affirmative action, they express their consent to the processing of personal information related to them.
Individuals with personal information held by Sky Pesa have the right to contact Sky Pesa to exercise the following rights:
a. The right to request and access the personal information they collect and store. If the data is stored electronically in a structured form, for example in a database, the data subject has the right to receive the data in a common electronic format.
b. The right to collect and store their personal information.
c. The right to object or request restriction.
d. The right to oppose automatic decision-making.
e. The right to request correction and modification of personal information stored by Sky Pesa;
f. The right to request deletion of their data.
g. The right to request the transfer of data from Sky Pesa to a third party; this is the right to data portability; and
h. Right to object and request Sky Pesa to restrict its processing of information
Your request will be reviewed and executed by Sky Pesa's data protection officer, unless restricted by law or Sky Pesa's statutory obligations. You can refuse to provide your personal information when requested by Sky Pesa, but you may not be able to use some or all services. You can check your account settings and update your personal information directly or by contacting us.
If your account is active or requires us to provide you with services, comply with our laws and statutory obligations, or verify your information with financial institutions, we will retain your information.
Sky Pesa has a statutory obligation to retain the data you provide to us to process transactions, ensure settlement, refunds, identify fraud and comply with laws and regulatory guidelines that apply to us, our bank providers and card processors.
Therefore, even after closing your Sky Pesa account, we will still retain certain personal information and transaction data to fulfill these obligations. Sky Pesa shall destroy all personal information when possible. For all personal data and records obtained, used, and stored by Sky Pesa, we will periodically review the retained data to confirm its accuracy, purpose, and validity of the reserved rights and requirements.
Among other things, the storage length of personal information should be determined by the following factors:
a. The terms of the contract agreed between Sky Pesa and the data subject, or if necessary for the purpose of obtaining it.
b. Whether the transaction or relationship has a legal meaning or a prescribed retention period.
c. Whether the data subject explicitly requests the deletion of personal data, provided that the request is only processed when the data subject has not accepted any survey that may require Skype to retain such personal data or there is no valid contract in place to process personal data with the data subject who needs to process personal data Arrange.
d. Sky Pesa have any other legal basis to retain the information beyond the period necessary to serve the original purpose.
Customer Service Hotline:0207905230
Email address:help.skypesa002@gmail.com