The Privacy Policy that follows outlines the methods by which we collect, store, use, transfer, disclose, and protect your Personal Information.

Kindly review the following information with care in order to comprehend our stance and procedures with respect to your personal information and the manner in which we will manage it. You acknowledge that you have read, comprehended, and agree to the terms of this Privacy Policy by downloading the App. You also consent to the acquisition, use, storage, processing, and disclosure of your Personal Information in the manner outlined in this Privacy Policy. This Privacy Policy, in conjunction with our Terms of Use and any supplementary terms, governs your utilization of the Service and the System.

DEFINITION

All capitalized terms used in this Privacy Policy shall have the same meanings as ascribed to them in our Terms of Use (as applicable) unless otherwise defined.

PERSONAL INFORMATION THAT WE COLLECT

We gather specific personal information about you. The Personal Information we collect may be provided by you directly (e.g., when you sign up for an account to use the Service via the App or otherwise provide Personal Information to us), by third parties, or automatically collected when you use the App. We have the ability to gather information in a variety of formats and for a variety of purposes, including those that are permissible under Applicable Law.

INFORMATION THAT WAS DIRECTLY OBTAINED FROM YOU OR YOUR MOBILE DEVICE

Upon registering and creating an account with us through the App, you are required to provide us with specific Personal Information, such as your name, ID NUMBER, date of birth, gender, education background, country of origin, photo, physical address, email address, working information, marital status, emergency contact, phone number, SIM card details, financial and credit information (including your Mobile Money Account details, bank account details, if applicable), and an Account ID and/or password that you will use to access the App after registration.

In order for the App to function properly, you are required to provide us with any pertinent information that may be reasonably required. For instance, when you utilize the electronic money feature of the App to make a payment, you will furnish us with the following information: the type of payment card or mobile wallet account utilized, the name of the issuer, the name of the account holder, the number of the payment card or mobile wallet account, and the amount of money paid.

THE FOLLOWING INFORMATION IS COLLECTED EACH TIME YOU USE THE APP OR VISIT OUR WEBSITE

When you access the App or our Website, we may collect certain technical data about your usage, including the internet protocol (IP) address, the duration of each visit/session, the internet device identity (ID) or media access control address, and the manufacturer, model, and operating system of the device you are using to access the App or our Website.

Certain information may be collected on an automated basis using cookies whenever you use the App or visit our Website. Cookies are small application files that are stored on your mobile device or computer. In order to optimize the user interface and experience, we implement cookies to monitor user activity. While the majority of mobile devices and internet browsers support the use of cookies, it is possible to modify the settings of your mobile device or internet browser to reject specific categories of cookies or certain specific cookies. Additionally, you would have the ability to delete any cookies that have been previously stored at any time using your mobile device and/or browser. Nevertheless, this may impact the functionality of the App or our website.

We will collect and monitor your geo-location information in real-time whenever you use the App on your mobile device.

Occasionally, you may be prompted or obligated to activate the Global Positioning System (GPS) on your mobile device in order to enhance your experience with the App.

In the interim, you will be obligated to furnish us with technical information regarding your use of the App. This information will include the type of mobile device you are using, a unique device identifier (such as the IMEI number, MAC address, or mobile phone number) of your mobile device, mobile network information, your mobile operating system, the type of mobile browser you are using, and your time zone setting. Additionally, we will acquire information that is stored on your mobile device, such as contact lists, call logs, SMS logs, Facebook and other social media details, contact lists from other social media accounts, photographs, videos, or other digital content.

We collect SMS data exclusively regarding financial transactions. In order to conduct a credit risk assessment, we will gather the sender's identity, the transaction's description, and the amount. This facilitates the expedited disbursement of loans. No personal SMS data is monitored, read, stored, or shared.

We collect all of the contacts in your phonebook, including their names, phone numbers, and the date of addition, in order to improve your credit profile. This also enables you to select your references in a loan application or share our app invitation with your peers with ease.

We gather your geo-location data while the application is in the foreground. We make every effort to stop the collection of your geo-location information when the App is in the background. However, it is possible that this information is still collected unintentionally. You have the option to momentarily disable the geo-location tracking information on your mobile device. Nevertheless, this may impact the App's capabilities.

Third-party data acquisition

We are obligated to collaborate with a variety of third parties, such as Banks, Mobile Network Providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and any other individuals who provide services to us, perform functions on our behalf, or with whom we cooperate, as a result of the nature of the Services we provide. As a result, we may receive information about you from them. In such instances, we will only collect your Personal Information for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be), provided that we have taken reasonable steps to ensure that such third parties would undertake to obtain your consent for the disclosure of your Personal Information to us in line with this Privacy Policy and Applicable Law.

THIRD-PARTY INFORMATION THAT YOU FURNISH TO US

You have the option to furnish us with Personal Information regarding third-party individuals, including your spouse, family members, associates, and emergency contact. You will, of course, require their consent to do so. For additional information, please refer to the section titled "Acknowledgement and Consent" below.

THE USE OF PERSONAL INFORMATION THAT WE HAVE COLLECTED

We may utilize Personal Information collected for the following purposes, as well as for any other purposes that are permissible under Applicable Law:

a. We may utilize your personal information in the following ways:

to register you as a user and identify you, as well as to administer, manage, or verify your account and your credit conditions;

to enable or effectuate any checks that we may deem necessary prior to registering you as a user;

to collect payments for your use of the Service and disburse the loan;

to develop credit models and conduct credit assessment;

In order to adhere to applicable laws, regulations, and rules, including those concerning anti-money laundering and "know-your-customer" requirements;

to convey you information regarding the use of the App and to communicate with you;

to inform you of any revisions to the App or modifications to the Service (such as interest rates and transaction fees) that are available;

to address and respond to inquiries and feedback that you have submitted;

to enhance, test, maintain, and personalize the application to accommodate your preferences and requirements as a user;

to contact you via telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the objectives outlined in this Privacy Policy and the Terms of Use;

to monitor and analyze demographic data and user activities, including the trends and utilization of the Service available on the App; and

to provide you with direct marketing communications and information regarding special offers or promotions.

b. We may also utilize your Personal Information for the following purposes in a more general manner (although we will always act reasonably and use no more Personal Information than is necessary for the specific purpose in each instance):

• to perform the corresponding business procedures and functions;

•to oversee the App's utilization and provide support, administration, and enhancements to its performance, efficiency, user experience, and functions;

• to offer support and rectify any technical or operational issues with the application;

• to produce anonymous analytics data and statistical information for the purposes of product development, research, testing, and analysis;

• to prevent, detect, and investigate any prohibited, unlawful, unauthorised, or fraudulent activities;

• to facilitate business asset transactions (including mergers, acquisitions, and asset sales) that involve us and/or any of our Affiliates; and

• in order to fulfill our responsibilities under any applicable law, including but not limited to responding to regulatory inquiries, investigations, or directives, and conducting audit reviews, due diligence, and investigations.

DISTRIBUTION OF PERSONAL INFORMATION THAT WE COLLECT

a. We reserve the right to disclose or share your Personal Information with Affiliates and other parties for any of the following purposes, as well as for any other purposes that are permitted by Applicable Law (although we will always act reasonably and disclose or share no more Personal Information than is necessary for the specific purpose):

where mandated or authorized by Applicable Law (including but not limited to responding to regulatory enquiries, investigations, or directives, or complying with statutory or regulatory filing and reporting requirements), for the purpose specified in that Applicable Law;

where there is a legal proceeding between you and us, or between you and another party, in connection with, or relating to the Service, for the purposes of that legal proceeding;

in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing, or acquisition of all or a portion of our business by or into another company, for the purposes of such a transaction (even if the transaction is ultimately not pursued);

Where we disclose your Personal Information to third parties (such as Banks, Mobile Network Providers, collection agencies, our agents, vendors, suppliers, contractors, partners, and any other individuals who provide services to us, perform functions on our behalf, or with whom we collaborate) for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be). This may include allowing such third parties to introduce or offer products or services to you, or to conduct activities such as marketing, research, analysis, and product development.

We will only share Personal Information with Affiliates for the purpose of assisting us in the operation of our business or the provision of the App (including direct marketing purposes where you have subscribed to our mailing list) or for the purpose of them conducting data processing on our behalf. For instance, our group company in your country may have our Affiliate in another country process and/or store your Personal Information. All of our Affiliates are dedicated to the proper processing of the Personal Information they receive from us in accordance with this Privacy Policy and the applicable law.

In the event that we publish statistics regarding the use of the App and the Service, all information will be aggregated and rendered anonymous.

when we have a good faith belief that the disclosure of your Personal Information is required to avoid physical injury or financial loss, report suspected illegal activity, investigate violations of our Terms of Use, or comply with Applicable Law;

b. Before disclosing or sharing Personal Information with other parties, we will make every effort to eliminate the means by which the information can be associated with you as an individual, provided that it is not necessary for such information to be associated with you.

c. In addition to the provisions of this Privacy Policy, we may disclose or share your Personal Information if we have informed you in advance and have obtained your consent for the disclosure or sharing.

TRANSFERS OF PERSONAL INFORMATION OVER BORDERS

Your Personal Information may be transferred to, stored, used, and processed in a jurisdiction other than your home nation or in the country, state, and city in which you are present while using any Service provided by us ("Alternate Country"), to companies GeleekCredit under Our group that are located outside of your home nation or Alternate Country, and/or where Our GeleekCredit group's servers, service providers, and partners are located outside of your home nation or Alternate Country.

In this event, we will guarantee that the Personal Information is subject to a level of protection that is equivalent to the standards set forth in the Ugandan laws (and, in any case, in accordance with our obligations under this Privacy Policy).

You acknowledge and hereby grant your consent to the transfer of your Personal Information outside of your home nation or Alternate Country in the manner outlined in this document.

PROTECTION OF PERSONAL INFORMATION

Your Personal Information will be retained for the duration necessary to fulfill the purpose for which it was collected, or for the duration required or authorized by Applicable Law. As soon as it is reasonable to assume that the purpose for which the Personal Information was collected is no longer being served by its retention and that retention is no longer necessary for legal or business purposes, we will cease to retain the Personal Information or remove the means by which it can be associated with you as an individual.

PERSONAL INFORMATION ACCESS AND UPDATE/CORRECTION

If required or permitted by any Applicable Law, we reserve the right to deny your requests for access to, or to rectify, some or all of your Personal Information in our possession or control. This may encompass situations in which the Personal Information may contain references to other individuals or in which the request for access or correction is for reasons that we reasonably consider to be trivial, inconsequential, or vexatious.

THE LOCATION OF YOUR PERSONAL INFORMATION

Third-party service providers may retain, transfer, or process the Personal Information we collect from you. We will make every effort to guarantee that all third-party service providers adhere to the same standards of protection as we have established in this Privacy Policy.

PROTECTION OF YOUR PERSONAL INFORMATION

Your personal information's confidentiality is of the utmost importance to us. We will make every reasonable effort to safeguard and secure your Personal Information from unauthorized access, collection, use, or disclosure, as well as from unlawful processing, incidental loss, destruction, and damage, or similar risks. Regrettably, the Internet's transmission of information is not entirely secure. We will make every effort to safeguard your Personal Information; however, you acknowledge that we are unable to guarantee the integrity and accuracy of any Personal Information you transmit over the Internet, nor can we guarantee that such Personal Information will not be intercepted, accessed, disclosed, altered, or destroyed by unauthorized third parties, as a result of factors beyond our control. You are accountable for maintaining the confidentiality of your account details, ensuring that your password is not disclosed to anyone, and ensuring that the mobile device you use is secure.

MODIFICATIONS TO THIS PRIVACY POLICY

We reserve the right to periodically review and modify this Privacy Policy at our discretion to ensure that it is in accordance with our future advancements and/or changes in legal or regulatory requirements. You acknowledge that it is your responsibility to regularly review this Privacy Policy for the most up-to-date information on our data processing and data protection practices. Your continued use of the App or Website, communications with us, or access to and use of the Service following any amendments to this Privacy Policy will constitute your acceptance of the revised terms.

LANGUAGE

The English version of this Privacy Policy shall prevail in the event of any discrepancies between it and other language versions.

ACKNOWLEDGEMENT AND CONSENT

a. You acknowledge that you have read and comprehended the Privacy Policy and that you agree to all of its terms by accepting it. In particular, you consent to the collection, use, disclosure, storage, transfer, or other processing of your Personal Information in accordance with this Privacy Policy.

b. You represent and warrant that you have obtained the consent of the individual and hereby consent on their behalf to the collection, use, disclosure, and processing of their Personal Information by us in the event that you provide us with Personal Information relating to other individuals, such as your spouse, family members, friends, or emergency contact.

c. You also expressly authorize and consent to our contacting you and your emergency contact, who has explicitly agreed to this, in order to verify your information, when we are unable to contact you via other methods, or when we have not received your payment in connection with the Loan.

d. By providing us with reasonable written notice using the contact details provided below, you may revoke your consent to any or all collection, use, or disclosure of your Personal Information at any time. Additionally, you have the option to revoke your consent for us to send you specific communications and information by utilizing the "unsubscribe" or "opt-out" feature that is included in our correspondence with you. You must comprehend and acknowledge that, depending on the circumstances and the nature of the assent you are withdrawing, you may be unable to use the App or specific components of the Service after such withdrawal. Your Account or contractual relationship with us may be terminated if you withdraw your consent, and all accrued rights and obligations will remain fully reserved. Upon receiving your notification to withdraw consent for the collection, use, or disclosure of your Personal Information, we will provide you with information regarding the potential repercussions of such a withdrawal. This will enable you to determine whether or not you wish to withdraw your consent.

PROMOTIONAL AND MARKETING MATERIAL

a. In order to inform you about special privileges, promotions, or events offered or organized by us, our partners, sponsors, or advertisers, or to provide updates on our App and/or the products and services offered therein, we may send you marketing and promotional communications via post, telephone call, short message service (SMS), email, online messaging, or push notifications via the App.

b. You have the option to unsubscribe from receiving these marketing communications at any time by clicking on the "unsubscribe" link included in the relevant message or by contacting us via the contact information provided below. Please be advised that we may continue to send you non-promotional messages, such as loan disbursement or repayment receipts, or information about your Account or the App, even if you choose to opt out.

WEBSITES OF THIRD PARTIES

a. Links to websites that are operated by third parties may be present on the App and Website. We do not have any control over these websites, nor do we accept any liability or responsibility for the collection, use, maintenance, sharing, or disclosure of data and information by such third parties. To determine the manner in which those third-party websites collect and utilize your Personal Information, please refer to their privacy policies and terms and conditions.

b. The advertisements on our App or Website function as links to the advertiser's website. Consequently, any information that the advertiser collects as a result of your clicking on the link will be collected and used by the relevant advertiser in accordance with the advertiser's privacy policy.

LIMITATION OF LIABILITY

We are not responsible for any indirect, incidental, consequential, special, exemplary, or punitive damages that may result from:

a. Your inability to access or use the App, or your use of or reliance on the App; or

b. Even if we have been informed of the potential for such damages, any transaction or relationship between you and any other third party.

We shall not be held responsible for any delay or failure in performance that is the result of circumstances beyond our reasonable control.

HOW TO CONTACT US

If you have any inquiries about this Privacy Policy or would like to access and/or modify your Personal Information, please reach out to us at help@geleek.com.