advancePoa is devoted to transparency and protecting your privacy. We request specific data from you to ensure an effective loan approval procedure and assess your eligibility. The particular data we require, the information we gather, and how we use it are all detailed here.
Device Details
Upon your first use of advancePoa, we will request permission to gather information about your device, including the operating system, system version, IMEI number, IMSI number, MAC address, serial number, Android ID, and screen size. This information helps us identify your device and prevent unauthorized usage and fraudulent behavior. All data will be securely sent to https://syahg.advancepoa.com and will not be disclosed to third parties.
App Information
We collect the list of installed applications to detect potential fraud and malicious software. This includes app names, versions, installation dates, package IDs, and update histories. Information is transmitted securely to https://syahg.advancepoa.com and strictly retained within our systems.
Emergency Contact Information
Two emergency contacts are required for identity verification and fraud prevention. You may manually input contacts or select them from your device's address book. We access only explicitly specified contacts and never retrieve additional address book data. All transmissions occur via HTTPS encryption to https://syahg.advancepoa.com.
Data We Collect During registration
we require your phone number as mandatory information. Additional collected data may include name, age, email address, income details, and emergency contacts. By using our services, you acknowledge and consent to our data processing practices as outlined in this disclosure.
Data Storage & Security
Your information is protected through military-grade encryption during transmission to our secure servers at https://syahg.advancepoa.com. We maintain strict protocols to prevent unauthorized third-party data sharing and implement physical/electronic safeguards for stored data.
Use of Information Collected data enables us to:
Conduct comprehensive risk assessment for credit requests
Verify user identity through multi-factor authentication
Evaluate creditworthiness using advanced scoring models
Perform statistical analysis for service optimization
To safeguard your privacy, we have the following policies on the collection and use of data.
Unless otherwise noted (where relevant), all capitalized phrases in our Privacy Policy have the same meanings as our language of use.
You provide us with precise personal information. This information may have been obtained from sources other than yourself, such as providing personal information when you used the program to establish an account or in other ways, or it may have been explicitly provided by you. Additionally, it can be obtained whenever the software uses it. The Data Protection Act of 2019 does not impose any restrictions, however it does allow specific information collection methods and purposes.
Your name, ID number, date of birth, gender, educational background, religion, photo, physical address, email address, employment details, marital status, emergency contacts, phone number, SIM card details, financial and credit information (including Mobile Money, if applicable), and an Account ID and/or password are among the many pieces of personal information you must give us in order to register and create your account.
For the application to function effectively, pertinent information must be provided. For instance, you need to input payment-related information such the type of payment card, mobile wallet account data, issuer name, account holder name, account number, and payment amount in order to use the application's electronic money feature.
When you use the application or visit our website, we might collect certain technical information about your activities. Examples of this information include your IP address, the websites you have visited in the past or present, the duration of your sessions, your device ID or media access control address, and details on the model, manufacturer, and operating system of your device.
Additionally, cookies can often collect certain information when you visit our website or use the program. Cookies are little files that are kept on your computer or mobile device to track user behavior and enhance the user interface. Even though most devices and browsers allow cookies, if the settings are changed to reject particular types of cookies or to remove stored cookies at any time, the app or website might not operate as intended.
Real-time geolocation information is monitored and gathered when the application is utilized on a mobile device. Your mobile device's app performance may improve if you enable GPS. Inadvertent geolocation data gathering may happen while the program is operating in the background, even though we take great care to prevent it. While it is possible to temporarily turn off geolocation tracking on your smartphone, it is essential to remember that this can interfere with the operation of some apps.
You (the User) are required to supply the technical details and unique identifiers (such as the IMEI number, MAC address, and phone number) of your mobile device, together with information about the mobile network, operating system, mobile browser type, and preferred time zone. Additionally, you must submit an inventory of emergency contacts, phone and text message logs, and digital information such as pictures or videos in order to use the application.
In order to fulfill our service obligations, we may be granted access to your personal information by third parties, including mobile network providers, collecting agencies, agents, suppliers, contractors, and partners. We only collect this data to ensure that our Privacy Policy and the Data Protection Act of 2019 are adhered to, as well as to fulfill our obligations to these parties.
You are authorized to provide us with Personal Information about third parties, including spouses, family members, friends, and emergency contacts, as outlined in the "Acknowledgment and Consent" section below. However, it is imperative that you obtain their consent.
The personal information we collect may be utilized for the following purposes, in addition to any other uses permitted by the Data Protection Act of 2019 and comparable legislation:
a. establishing your account, managing your credit terms, and verifying your identity.
b. Prior to establishing an account, verifying the prerequisites.
c. Supervising the distribution of loans and the payment of service fees.
d. development and assessment of credit models.
e. adherence to legal requirements, such as know-your-customer and anti-money laundering laws.
f. contacting you to send usage instructions for the application.
g. informing you of any changes to the services or application upgrades.
h. answering and dealing with questions and remarks.
i. the application's creation, assessment, improvement, and personalization.
j. sending you SMS messages or having real phone conversations.
k. the examination of trends, user behavior, demographic information, and service utilization.
l. speaking with customers directly regarding specials, discounts, or deals.
We may share your personal information with Affiliates and other organizations for the following reasons, in addition to the uses allowed under the Data Protection Act of 2019 and associated laws:
a. court cases that are pertinent to you or our business.
b. While negotiating mergers, asset sales, and company restructuring.
c. forming alliances with outside companies that offer services like marketing, research, and product development.
d. supplying aggregated, anonymised data.
e. In situations when disclosure is required to halt harm, denounce illegal conduct, look into any infractions of the terms of use, or adhere to applicable laws.
f. We really attempt to anonymize any personal information that isn't required to identify you.
When you use our services, your personal information might be sent, stored, used, and processed outside of your current location or country of origin. In compliance with our Privacy Policy, we guarantee that these transfers are protected to the same degree as mandated by your nation's legal system.
Personal data is only kept for as long as required by the Data Protection Act of 2019 and other applicable laws, or as long as is required to fulfill the objectives for which it was gathered. When your information is no longer needed to satisfy legal or commercial requirements or for the intended purpose, we stop retaining it, which removes any way to identify you personally.
By contacting us using the details below, you can ask us to update any personal information about you that we have authority over. We retain the right to charge an administrative fee in accordance with, but not limited to, the Kenyan Information and Communications Act. Rejection might happen when the law allows it or for insignificant reasons.
If third-party service providers offer a degree of security comparable to this privacy statement, they may handle, transfer, or retain the gathered personal data. Under the supervision of our employees or outside vendors, this may entail the processing or storage of data outside of your nation of origin.
It is imperative to safeguard your personal information. We implement the necessary measures to prevent loss or harm and to prevent unauthorized access, collection, use, disclosure, and processing. However, it is impossible to ensure the security of internet communication. It is your responsibility to ensure the security of your account and mobile device and to maintain confidentiality.
This privacy statement is subject to modification at any time in order to accommodate evolving legal or regulatory requirements or to reflect changes. In the event of any modifications, the application or website will generate generic alerts. The upgrades are approved as long as the website is continued to be used.
The English version will resolve any discrepancies between the English and other language variants of this privacy statement.
You consent to the collection, use, disclosure, storage, transmission, and processing of your personal data in accordance with the regulations outlined in this privacy statement. It is your responsibility to obtain consent for the use of third-party personal data in the manners described below.
Marketing communications may be disseminated through an extensive array of platforms. You have the option to utilize the facilities that are available to you or contact us to revoke your consent. Loan receipts and other documents will be preserved.
Our website and application may contain hyperlinks to external websites. We are not accountable for their data practices and have no control over them. Ensure that you review their policies regarding the collection and utilization of information.
We are not responsible for any indirect, incidental, consequential, extraordinary, exemplary, or punitive damages that may result from the use of the App or communication with third parties. We are not accountable for any delays or failures that are the result of events that are beyond our reasonable control.
