Permissions
Hello!
To quickly evaluate your eligibility and speed up the loan origination process, we need access to the following permissions.
Text Messaging
We access your entire SMS profile, focusing on messages related to financial activity, to better assess credit risk and expedite loan approvals. We thoroughly review the sender's identity, the transaction's nature, and the monetary value of each transaction. Rest assured, we do not read, store, or share your personal text information. All text data will be securely uploaded to the Moja Mkopo servers (https://refactoring.mojamkopo.com/review), where it will be strictly protected and kept confidential. This process ensures your privacy and data security.
Device Information
To prevent unauthorized activities, we collect detailed information about your mobile device, including make, model, regional settings, device identifier (e.g., IMEI), and serial number. We also gather data about the applications installed on your device to assess your borrowing propensity and overall debt profile. All this data is securely transmitted to the Moja Mkopo servers (https://refactoring.mojamkopo.com/review). Our data processing adheres to the highest security standards to ensure your privacy is well-protected.
Call Logs
Once you authorize call logging permissions, we will contact you via voice call to verify that you are using your own cell phone to install our app and receive our dynamic password verification on the same device. Specifically, we verify your device through call logs and ensure you have received a call from us. This process enhances your credit reliability and speeds up loan processing. Rest assured, we never monitor, read, store, or share any of your private call data. We are dedicated to protecting your privacy and data security. We will upload and transmit the data to our server (https://refactoring.mojamkopo.com/review) via a secure network.
Installed Applications
With your consent, we collect information on each installed application, including the application name, package name, installation time, update time, version name, and version number of each installed application on the device to assess your credit and determine if the loan can be processed, helping to prevent fraud. We will upload and transmit the data to our server (https://refactoring.mojamkopo.com/review) via a secure network.
Location Information
We track and analyze the geographic location information of your device for risk assessment and credit scoring of your borrowing behavior. These location details are securely transmitted to the Blazeloan servers (https://refactoring.mojamkopo.com/review) and are highly protected.
Data Storage
All information we collect is uploaded and transmitted via a highly secure server (https://refactoring.mojamkopo.com/review) and is never shared with any third party.
Data We Collect
When you use the registration service, we collect your identification number and phone number. This information is used to cross-verify your identity with third parties. Additionally, to support our credit scoring system, we collect data from your device, including device make and model, operating system, installed software applications, and unique user identifiers. We also gather your contact information and data related to device activity, such as text message logs. To enhance this information, we may obtain data from third parties, such as credit bureaus and other financial institutions. By using the Registration Service, you authorize us to collect and process the aforementioned data to provide a more comprehensive and accurate service. We ensure that the collection and processing of this information comply with relevant laws and regulations and protect your privacy and data security.
How Your Data is Used
To provide our services to you, we collect specific data. This data is used to verify your identity, build credit scoring models to determine your applicable loan options, and generate credit reports. We are committed to using this data in accordance with relevant legislation to offer you a more accurate and customized loan service.
We guarantee that your data will be strictly protected.