Privacy Policy

Privacy Policy for LoanAppsKenya.com

Last updated: August 12, 2024

Effective Date: [08/11/2023]

When you visit our website, we automatically gather certain information from your device. This includes the URL you came from, cookie data, language preferences, IP address, time zone, device type and model, device settings, operating system, your internet service provider, mobile network, hardware ID, Facebook ID, and other unique identifiers like IDFA and AAID.

We collect this information to deliver our services effectively, understand how our website is utilized, and tailor and measure advertisements. To enhance our website and manage ads, we employ third-party services. Consequently, your data may be processed using technologies developed by entities such as Akamai, Amazon, Facebook, Google, Firebase, OneSignal, PubMatic, Sendios, Sentry, Criteo, and LiveRamp. This means some of your data is stored and processed on servers owned by these third parties. Our use of this data includes (1) analyzing user interactions (like which articles are read) and (2) managing and measuring ad performance (such as targeting ads to specific user groups, like those who clicked on a certain type of ad).

For detailed information about our data practices, please refer to the following sections of our Privacy Policy: Section 3 (Data Usage Details), Section 6 (User Data Rights), and Section 1 (Data Controller Identity). Should you have any unanswered questions, please reach out to us at [email protected].

1. Data Controller

The entity responsible for your personal data is BIZHACK MEDIA LIMITED, a company incorporated under the laws of the Republic of Kenya.

Please note that Bizhack Kenya Media has its own Privacy Policy.

2. Types of Data Collected

We collect two main types of data: data you provide us voluntarily (like your email address) and data collected automatically (like your IP address). When engaging with certain features of our Service, you may be prompted to provide personal information. For instance, subscribing to our newsletter or submitting content to Loan Apps Kenya requires an email address. Additionally, when posting comments on Loan Apps Kenya, remember that these are public and accessible to all. Any personal information disclosed in comments can be read and used by others.

Automatic data collection includes details on how you found us, such as the referring URL. We also gather information from your device, including language settings, IP address, time zone, device type and model, device settings, operating system, internet service provider, mobile carrier, hardware ID, and Facebook ID.

Usage Data

Our Service records your interactions, such as the pages you visit, the features and content you engage with, frequency of website use, duration of visits, articles read, and the number of ads viewed. We also collect Advertising IDs like the Apple Identifier for Advertising (“IDFA”), Identifier for Vendor (“IDFV”), or Google Advertising ID (“AAID”), depending on your device’s operating system, when you access our Website from a mobile device. These identifiers can generally be reset through your device’s settings, which we do not control. Additionally, we use unique identifiers like Criteo ID and Ramp ID.

Cookies

Cookies are small text files stored on your computer for record-keeping. They can be session cookies (expiring upon browser closure) or persistent cookies (remaining for an extended period). We use cookies and tracking pixels to facilitate online advertising, with first-party cookies set by us and third-party cookies from other domains for advertising and marketing. Our cookies serve various purposes: speeding up page loading, visitor counting, popularity tracking of pages, visitor movement analysis, website improvement, content personalization, advertising performance measurement, fraud prevention, security enhancement, and website performance analysis. Cookie data is typically stored temporarily on your device. You can manage your cookies as outlined in Clause 4.7.

3. Purpose of Data Processing

We process your personal data to:

  • Provide our Service, ensuring seamless use and addressing technical issues.
  • Use Amazon Web Services for hosting and Sentry for application monitoring and error reporting.
  • Customize your experience by tailoring Service content to your preferences.
  • Offer customer support and communicate about Service performance, security, transactions, and policy updates.
  • Research and analyze your Service use for improvement and innovation.
  • Conduct marketing campaigns and communicate special offers, new features, and products.
  • Personalize ads using data for targeted advertising.
  • Use third-party services like PubMatic for advertising strategies and Criteo for ad serving.
  • Share data with LiveRamp for creating online identification codes for targeted advertising.

4. Legal Basis for Processing Personal Data

For users in the European Economic Area (EEA), we process your personal data under the following legal bases:

  • Consent: We send marketing communications and push notifications based on your consent. You can withdraw this consent at any time.
  • Contractual Necessity: We provide our Service, customize your experience, offer customer support, and communicate about your use of our Service as part of our contractual obligation to you.
  • Legitimate Interests: We analyze Service usage, personalize ads, enforce our Terms and Conditions, prevent fraud, and comply with legal obligations for our legitimate business interests.

5. Disclosure of Personal Data

We share your personal data with third parties to help operate, improve, integrate, customize, support, and market our Service. This includes:

  • Service Providers: We share data with third parties that provide services on our behalf, such as cloud storage (Amazon), data analytics (Facebook, Google), communication services (Sendios), and marketing partners (Facebook, Google, Mailfire, Sendios, Sentry).
  • Law Enforcement and Public Authorities: We may disclose personal data to enforce our Terms, protect our rights, and respond to legal requests.
  • Business Transfers: In the event of a merger, acquisition, or asset sale, your personal data may be transferred as a business asset.

Our Ad partners, including our parent company, Bizhack Kenya Ltd Company. See a list of Bizhack Kenya Company Partners. Please note that Bizhack Kenya Media has its own Privacy Policy.

For example, we use Google to serve ads on the Services. Google uses cookies or unique device identifiers, in combination with their own data, to show you ads based on you visiting loanappskenya.com and other sites. You can opt out of the use of certain Google cookie by visiting the related Google privacy policy.

6. Your Data Rights

You have rights regarding your personal data, including:

  • Access and Update: You can review, edit, or change your personal data.
  • Deletion: Request erasure of your personal data, subject to legal requirements.
  • Restriction and Objection: Limit or object to our use of your personal data.
  • EEA-Based Users: Additional rights include lodging complaints with supervisory authorities and data portability.

To exercise these rights, contact [email protected]

7. Age Restrictions

Our Service does not knowingly collect personal data from individuals under 16 years of age. If you become aware of any such data collection, please contact us.

8. International Data Transfers

We may transfer your personal data to countries outside of the country where it was originally collected. This is necessary to provide our Service and as described in this Privacy Policy. For data originating from the EEA, we ensure protection through mechanisms like Standard Contractual Clauses approved by the European Commission or adequacy decisions about certain countries.

9. Updates to This Privacy Policy

We may periodically update this Privacy Policy. Significant changes will be communicated through email or other means, allowing you to review the revised policy. Continued use of the Service after these changes implies acceptance of the new Privacy Policy.

10. Rights for California Residents

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal data, detailed in Sections 2, 3, and 5 of this policy. These include the rights to know, delete, and opt-out of the sale of personal information. Non-discrimination for exercising CCPA rights is assured. For requests or inquiries, contact [email protected].

11. Virginia Residents

For residents of Virginia, the Virginia Consumer Data Privacy Act (VCDPA) provides additional rights regarding personal data use and processing. Details of these rights and how to exercise them are outlined in Section 6 of this policy. For specific requests or to appeal decisions, email [email protected].

12. Data Retention

We retain your personal data as long as necessary for the purposes set out in this Privacy Policy, to comply with legal obligations, resolve disputes, and enforce agreements.

13. Handling of ‘Do Not Track’ Requests

We currently do not support ‘Do Not Track’ (DNT) browser settings as there is no industry-standard for DNT. Third-party services used by us may collect information about your online activities over time and across different websites when you use our Service.

14. Contact Information

For any inquiries or concerns regarding this Privacy Policy or your personal data, please contact us at [email protected].

This concludes the rewriting of the privacy policy. Please let me know if there’s anything else you need.

At LoanAppsKenya.com, the privacy of our visitors is of utmost importance to us. This privacy policy document outlines the types of personal information received and collected by LoanAppsKenya.com and how it is used.

Information We Collect

Personal Information

When you use LoanAppsKenya.com, you may be required to provide certain personally identifiable information, including but not limited to your name, email address, phone number, and other relevant details. This information is collected with your explicit consent and is used solely to provide you with the services you requested.

Log Files

Like many other websites, LoanAppsKenya.com makes use of log files. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movements around the site, and gather demographic information. IP addresses and other such information are not linked to any personally identifiable information.

How We Use Your Information

The personal information we collect is used to:

  • Provide and maintain our services
  • Notify you about changes to our services
  • Respond to your inquiries and provide customer support
  • Gather analysis or valuable information to improve our services
  • Monitor the usage of our services

Cookies and Web Beacons

LoanAppsKenya.com uses cookies to store information about visitors’ preferences, record user-specific information on which pages the user accesses or visits, and customize web page content based on visitors browser type or other information that the visitor sends via their browser.

Third-Party Links

LoanAppsKenya.com may contain links to third-party websites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Advertising


LoanAppsKenya.com may display third-party advertisements. These advertisements may use cookies, web beacons, and similar technologies to collect information about users who view or interact with them. The information collected is used to provide more targeted advertising based on your interests and browsing activities.

Please note that LoanAppsKenya.com does not have access to or control over the cookies or other tracking technologies used by third-party advertisers.

Changes to This Privacy Policy

LoanAppsKenya.com reserves the right to update or change our privacy policy at any time. Any changes will be effective immediately upon posting the updated privacy policy on the website.

Contact Us

If you have any questions or suggestions about our privacy policy, please contact us at [[email protected]].

By using LoanAppsKenya.com, you signify your acceptance of this privacy policy. If you disagree with this policy, please do not use our website.