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Privacy Policy

Privacy Policy

This Privacy Policy relates to the collection, use and disclosure of Personal Data by any user of Mombo App (“we” or “our”). Personal Data is information relating to an individual (“you” or “your”). Personal Data comprises all the details Mombo App holds or collects about you, directly or indirectly, your transactions, transactions you effect, financial information, interactions and dealings with or between Mombo App partners or /and third parties.
The privacy policy outlined herein applies to the data we collect from you over the internet. We collect personal information from visitors to our App and web site for various reasons which may include the processing of applications and the maintenance of mailing lists, etc. Our policies regarding the collection and use of personal information are as follows:

Purposes for which we may handle your Personal Data

We will not collect personal information from you when you visit our App and/or web site unless you choose to provide that information to us. Your submitting it constitutes your consent for us to collect it. Personal information you provide to us is used solely for the purpose for which it was collected, and is not sold or disseminated to third parties, unless required by law (e.g., for law enforcement purposes). You may have access to any of the information we collect about you. We will correct any errors you may find. You may email us to request information or records concerning you. The purposes for which we may handle your Personal Data on behalf of our partners or /and third parties include the following:
  • processing applications for products and services, effecting payments,transactions and completing instructions or requests;
  • providing products and services;
  • assessing suitability for products and services;
  • credit assessment, including conducting credit checks and setting credit limits;
  • operational purposes;
  • statistical analysis, including behavioral analysis and profiling;
  • establishment, continuation and management of application and accounts
  • conducting market research and surveys with the aim of improving our products and services;
  • for marketing purposes, promotional events, competitions and lucky draws;
  • for the prevention, detection, investigation and prosecution of crime in any jurisdiction (including, without limitation, money laundering, terrorism, fraud and other financial crime);
  • identity verification, government sanctions screening and due diligence checks;
  • to comply with: local or foreign law, regulations, voluntary codes, directives, judgments or court orders, agreements between any partner or third party of the Mombo App and any authority, regulator, or enforcement agency; policies(including the third party policies), good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation, and demands or requests of any authority, regulator, tribunal, enforcement agency, or exchange body;
  • to seek professional advice, including, in connection with any legal proceedings(including any prospective legal proceedings), for obtaining legal advice or for establishing, exercising or defending legal rights;


To whom we may disclose Personal Data

Any partner or third party who has contracted Mombo App, including their officers, employees, agents and advisers, may disclose your Personal Data to any of the following parties for any of the purposes specified above:
  • any partner or third party using the Mombo App anywhere in the world, including any officer, employee, agent or director;
  • professional advisers (including auditors), third party service providers, agents or independent contractors providing services to support Mombo App’s, partners’/third party business;
  • any person to whom disclosure is allowed or required by local or foreign law, regulation or any other applicable instrument;
  • any court, tribunal, regulator, enforcement agency, exchange body, tax authority, or any other authority (including any authority investigating an offence) or their agents;
  • any debt collection agency, credit bureau or credit reference agency, rating agency correspondents, insurer or insurance broker, direct or indirect provider of credit protection and fraud prevention agencies;
  • any financial institution to conduct credit checks, anti-money laundering related checks, for fraud prevention and detection of crime purposes;
  • anyone we consider necessary to facilitate requests for services or applications for products with any partner or third party of Mombo App;
  • anyone we consider necessary in order to provide services in connection with a product; for a partner or third party of Mombo App located in any jurisdiction.


Security

The security of your personal data is important to us. Mombo App and all partners and /or third parties shall comply with technical and organizational security measures to safeguard your personal data. Regardless of where personal data is transferred, we take all steps reasonably necessary to ensure that personal data is kept securely. You should be aware that the Internet is not a secure form of communication and sending and receiving information over the Internet carries with it risks including the risk of access and interference by unauthorized third parties. Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence. We do not accept responsibility or liability for the confidentiality, security or integrity of your Personal Data in connection with its transmission over the Internet.

Other Terms and Conditions.

There may be specific terms and conditions in our third parties and/or partners’ legal agreements that govern the collection, use and disclosure of your Personal Data. Such other terms and conditions must be read in conjunctions with this Privacy Statement.

Retention

We retain your Personal Data for legal, regulatory, business and operational purposes on behalf of our partners or /and third parties.

Monitoring

To the extent permitted by law, we may record and monitor your electronic communications with us to ensure compliance with our legal and regulatory obligations and internal policies for the purposes outlined above.

Cookies

A cookie is a small piece of text that is sent to your computer along with a web page when you visit a web site. Your computer will give the information in the cookie only to the computer that sent it, and no other web site can request it. There are three types of cookies--persistent, third party, and session.
Mombo App does not use persistent or third party cookies, but sometimes uses session cookies (or “temporary”) cookies to facilitate the completion of web forms during the collection of information that you submit. These cookies keep you from losing information you have entered on a web form if, during your visit, you leave our web site and return. These cookies are stored in memory and are only available during an active browser session. Session cookies do not collect personal information about you, and this information is erased as soon as you close your web browser or turn off your computer. No personally identifiable information about you is maintained as a result of a temporary or session cookie.
You can configure your web browser to accept or decline cookies, or to alert you when cookies are in use. You do not have to accept cookies from us, but if you choose not to, some of the functionality of our site may not be available to you.

Right of Access

Subject to applicable law, regulations and/or loan guidelines, you have the right to request a copy of the Personal Data processed in relation to you from the respective partners/or third parties. Mombo App may be allowed by law to charge a fee for a copy of personal data from the respective third parties or/and partners. .

Privacy Impact Assessments

Privacy Impact Assessments (PIAs) are performed by us on Mombo’s computer systems and applications in order to evaluate any risks these systems may pose to personally identifiable information.
This web site is intended for official business use only. You may not make unauthorized modifications to this system or the information it contains, or use this system for any activities which are in violation of law. Misuse of this system is strictly prohibited and may be subject to criminal prosecution.
For security purposes, we monitor access and use of this system to identify unauthorized activity. Anyone using this system expressly consents to such monitoring and is advised that if such monitoring reveals evidence of possible abuse or criminal activity, such evidence may be provided to appropriate law enforcement officials. In the event of authorized law enforcement investigations, and pursuant to any required legal process, information from these sources may be used to help identify an individual. We make no attempts to identify individual users unless we suspect illegal behavior.

Changes to this Privacy Policy

This Privacy Policy may be updated from time to time and should be reviewed regularly.

Linked Websites

Our Privacy Policy does not apply to third-party websites where our online advertisements are displayed or to linked third-party websites which we do not operate or control. These web sites are not under the control of Mombo and may not follow the same privacy, security or accessibility policies. When you leave Mombo’s web site via a link to another web site you will be notified that you are subject to the policies of the new web site. All external web sites to which Mombo is linked open in a new window.

MOMBO SACCO PRIVACY POLICY

This Privacy Policy relates to the collection, use and disclosure of Personal Data by any member of Mombo SACCO Limited (hereinafter “Mombo Sacco” “we” or “our”). Personal Data is information relating to an individual (“you” or “your”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at support@mombo.africa

WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

We collect personal information that you voluntarily provide to us when registering with Mombo Sacco, expressing an interest in obtaining information about us or our products and services, when participating in activities on the Site or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the Site, the choices you make and the products and features you use. The personal information we collect can include the following:

Name and Contact Data.We collect your first and last name, email address, postal address, phone number, and other similar contact data.

Transactional Information. We collect information relating to your transactions, transactions you effect, financial information, interactions and dealings with Mombo Sacco, including information received from third parties and information collected through use of our website and our mobile application services.

Credentials. We collect passwords, password hints, and similar security information used for authentication and account access.

All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

PURPOSES FOR WHICH WE MAY HANDLE YOUR PERSONAL DATA

The purposes for which we may handle your Personal Data include the following:
  • processing applications for products and services, effecting payments, transactions and completing instructions or requests;

  • providing products and services;

  • assessing suitability for products and services;

  • credit assessment, including conducting credit checks and setting credit limits;

  • operational purposes;

  • statistical analysis, including behavioral analysis and profiling;

  • establishment, continuation and management of the application and accounts

  • conducting market research and surveys with the aim of improving our products and services;

  • for marketing purposes, promotional events, competitions and lucky draws;

  • for the prevention, detection, investigation and prosecution of crime in any jurisdiction (including, without limitation, money laundering, terrorism, fraud and other financial crime);

  • identity verification, government sanctions screening and due diligence checks;

  • to comply with: local or foreign law, regulations, voluntary codes, directives, judgments or court orders, agreements between any member of the Mombo Sacco and any authority, regulator, or enforcement agency; policies (including the Mombo Sacco’spolicies), good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation, and demands or requests of any authority, regulator, tribunal, enforcement agency, or exchange body;

  • to seek professional advice, including, in connection with any legal proceedings (including any prospective legal proceedings), for obtaining legal advice or for establishing, exercising or defending legal rights;

TO WHOM WE MAY DISCLOSE PERSONAL DATA?


Any member of Mombo Sacco, including our officers, employees, agents and advisers, may disclose your Personal Data to any of the following parties for any of the purposes specified above:
  • any member of the Mombo Sacco anywhere in the world, including any officer, employee, agent or director;

  • professional advisers (including auditors), third party service providers, agents or independent contractors providing services to support Mombo Sacco’s business;

  • any person to whom disclosure is allowed or required by local or foreign law, regulation or any other applicable instrument;

  • any court, tribunal, regulator, enforcement agency, exchange body, tax authority, or any other authority (including any authority investigating an offence) or their agents;

  • any debt collection agency, credit bureau or credit reference agency, rating agency correspondents, insurer or insurance broker, direct or indirect provider of credit protection and fraud prevention agencies;

  • any financial institution to conduct credit checks, anti-money laundering related checks, for fraud prevention and detection of crime purposes;

  • anyone we consider necessary to facilitate requests for services or applications for products with any borrower;

  • anyone we consider necessary in order to provide services in connection with a product; located in any jurisdiction.

HOW DO WE KEEP YOUR INFORMATION SAFE?


The security of your personal data is important to us. Mombo Sacco and all members of the Company comply with technical and organizational security measures to safeguard your personal data. When using external service providers, we require that they adhere to the same security standards as Mombo Sacco. Regardless of where personal data is transferred, we take all steps reasonably necessary to ensure that personal data is kept securely.

You should be aware that the Internet is not a secure form of communication and sending and receiving information over the Internet carries with it risks including the risk of access and interference by unauthorized third parties. Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence. We do not accept responsibility or liability for the confidentiality, security or integrity of your Personal Data in connection with its transmission over the Internet.

WHAT ARE OTHER TERMS AND CONDITIONS?


There may be specific terms and conditions in our loan agreements that govern the collection, use and disclosure of your Personal Data. Such other terms and conditions must be read in conjunctions with this Privacy Statement.

HOW LONG DO WE KEEP YOUR INFORMATION?


We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than ninety (90) days past the termination of your account.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

DO WE COLLECT INFORMATION FROM MINORS?


We do not knowingly solicit data from or market to children under 18 years of age. By using the Site, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Site. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us at support@mombo.africa

MARKETING


We will not send you marketing material if you have specifically asked us not to do so.

MONITORING


To the extent permitted by law, we may record and monitor your electronic communications with us to ensure compliance with our legal and regulatory obligations and internal policies for the purposes outlined above.

RIGHT OF ACCESS


Subject to applicable law, regulations and/or loan guidelines, you have the right to request a copy of the Personal Data processed in relation to you. Mombo Sacco may be allowed by law to charge a fee for a copy of personal data.

DO WE MAKE UPDATES TO THIS POLICY?


We may update this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

LINKED WEBSITES


Our Privacy Policy does not apply to third-party websites where our online advertisements are displayed or to linked third-party websites which we do not operate or control.

HOW CAN YOU CONTACT US ABOUT THIS POLICY?


If you have questions or comments about this policy, email us atsupport@mombo.africa

MOMBO ICAPITAL PRIVACY POLICY

This Privacy Policy relates to the collection, use and disclosure of Personal Data by any member of Mombo iCapitalLimited (hereinafter "Mombo iCapital""we" or "our").Personal Data is information relating to an individual ("you" or "your"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us atsupport@mombo.africa

WHAT INFORMATION DO WE COLLECT?


Personal information you disclose to us


We collect personal information that you voluntarily provide to us when registering with Mombo iCapital, expressing an interest in obtaining information about us or our products and services, when participating in activities on the Site or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the Site, the choices you make and the products and features you use. The personal information we collect can include the following:

Name and Contact Data.We collect personal information that you voluntarily provide to us when registering with Mombo iCapital, expressing an interest in obtaining information about us or our products and services, when participating in activities on the Site or otherwise contacting us.
Transactional Information. The personal information that we collect depends on the context of your interactions with us and the Site, the choices you make and the products and features you use. The personal information we collect can include the following:
Credentials. We collect personal information that you voluntarily provide to us when registering with Mombo iCapital, expressing an interest in obtaining information about us or our products and services, when participating in activities on the Site or otherwise contacting us.
The personal information that we collect depends on the context of your interactions with us and the Site, the choices you make and the products and features you use. The personal information we collect can include the following:

PURPOSES FOR WHICH WE MAY HANDLE YOUR PERSONAL DATA


The purposes for which we may handle your Personal Data include the following:
  • processing applications for products and services, effecting payments, transactions and completing instructions or requests;

  • providing products and services;

  • assessing suitability for products and services;

  • credit assessment, including conducting credit checks and setting credit limits;

  • operational purposes;

  • statistical analysis, including behavioral analysis and profiling;

  • establishment, continuation and management of the application and accounts

  • conducting market research and surveys with the aim of improving our products and services;

  • for marketing purposes, promotional events, competitions and lucky draws;

  • for the prevention, detection, investigation and prosecution of crime in any jurisdiction (including, without limitation, money laundering, terrorism, fraud and other financial crime);

  • identity verification, government sanctions screening and due diligence checks;

  • to comply with: local or foreign law, regulations, voluntary codes, directives, judgments or court orders, agreements between any member of the Mombo iCapital and any authority, regulator, or enforcement agency; policies (including the Mombo iCapital’s policies), good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation, and demands or requests of any authority, regulator, tribunal, enforcement agency, or exchange body;

  • to seek professional advice, including, in connection with any legal proceedings (including any prospective legal proceedings), for obtaining legal advice or for establishing, exercising or defending legal rights;


TO WHOM WE MAY DISCLOSE PERSONAL DATA?


Any member of Mombo iCapital, including our officers, employees, agents and advisers, may disclose your Personal Data to any of the following parties for any of the purposes specified above:
  • any member of the Mombo iCapital anywhere in the world, including any officer, employee, agent or director;

  • professional advisers (including auditors), third party service providers, agents or independent contractors providing services to support Mombo iCapital’s business;

  • any person to whom disclosure is allowed or required by local or foreign law, regulation or any other applicable instrument;

  • any court, tribunal, regulator, enforcement agency, exchange body, tax authority, or any other authority (including any authority investigating an offence) or their agents;

  • any debt collection agency, credit bureau or credit reference agency, rating agency correspondents, insurer or insurance broker, direct or indirect provider of credit protection and fraud prevention agencies;

  • any financial institution to conduct credit checks, anti-money laundering related checks, for fraud prevention and detection of crime purposes;

  • anyone we consider necessary to facilitate requests for services or applications for products with any borrower;

  • anyone we consider necessary in order to provide services in connection with a product; located in any jurisdiction.


HOW DO WE KEEP YOUR INFORMATION SAFE?


The security of your personal data is important to us. Mombo iCapital and all members of the Company comply with technical and organizational security measures to safeguard your personal data. When using external service providers, we require that they adhere to the same security standards as Mombo iCapital. Regardless of where personal data is transferred, we take all steps reasonably necessary to ensure that personal data is kept securely.

You should be aware that the Internet is not a secure form of communication and sending and receiving information over the Internet carries with it risks including the risk of access and interference by unauthorized third parties. Information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence. We do not accept responsibility or liability for the confidentiality, security or integrity of your Personal Data in connection with its transmission over the Internet.

WHAT ARE OTHER TERMS AND CONDITIONS?


There may be specific terms and conditions in our loan agreements that govern the collection, use and disclosure of your Personal Data. Such other terms and conditions must be read in conjunctions with this Privacy Statement.

HOW LONG DO WE KEEP YOUR INFORMATION?


We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than ninety (90) days past the termination of your account.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

DO WE COLLECT INFORMATION FROM MINORS?


We do not knowingly solicit data from or market to children under 18 years of age. By using the Site, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Site. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us atsupport@mombo.africa

MARKETING


We will not send you marketing material if you have specifically asked us not to do so.

MONITORING


To the extent permitted by law, we may record and monitor your electronic communications with us to ensure compliance with our legal and regulatory obligations and internal policies for the purposes outlined above.

RIGHT OF ACCESS


Subject to applicable law, regulations and/or loan guidelines, you have the right to request a copy of the Personal Data processed in relation to you. Mombo iCapital may be allowed by law to charge a fee for a copy of personal data.

DO WE MAKE UPDATES TO THIS POLICY?


We may update this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

LINKED WEBSITES


Our Privacy Policy does not apply to third-party websites where our online advertisements are displayed or to linked third-party websites which we do not operate or control.

HOW CAN YOU CONTACT US ABOUT THIS POLICY?


If you have questions or comments about this policy, email us at support@mombo.africa