Amibillion
UG
In compliance with the Ugandan Data Protection and Privacy Act, 2019, and other relevant local laws, AmiBillion is committed to protecting your privacy and ensuring transparency about how we collect, use, and safeguard your personal data. To provide you with a seamless loan approval process, we require certain permissions to access specific data on your device to assess your eligibility. All data collected will be securely stored and used solely for our service-related purposes. Your data will never be shared with third parties without your explicit consent.
Revised on 2024/12/18
We request permission to read your text messages (including content, sender name, and sending time) to help assess your loan eligibility and build your credit profile.
Once you consent, the application will analyze your SMS data for preliminary loan assessment. We will collect up to 3,600 SMS messages from your last 9 months, filter them locally on the app, collect and transmit financial SMS content, and will not collect other types of SMS messages. The purpose is to assess your Financial Exposure and detect potential fraud. If you decline to grant permission, your SMS data will remain private.
We use industry-standard encryption to securely transmit all SMS data to our servers at https://biwahafix.amibillion.com. Your privacy is our priority, and we will never share your SMS data with third parties without your consent.
We request access to your call logs to ensure that the phone number you used during registration is valid and belongs to you. With your permission, we only collect necessary metadata: phone number, contact name, call type (incoming or outgoing), call duration, and timestamp. This helps us verify your identity and reduces the risk of fraudulent registration. Your private call log data will not be uploaded to our servers.
We request access to your approximate location to provide services tailored to your general area and conduct region-specific risk assessments that support your loan eligibility evaluation. This data helps us offer more relevant features and improve fraud detection. You must enable your device’s location services for this feature to function. We do not request or collect your precise (GPS-level) location.
We collect the following location-related information: your approximate geographic location.
All location data is encrypted and securely transmitted via HTTPS to our servers at https://biwahafix.amibillion.com. Your location information will never be shared with third parties without your explicit consent, and will only be used for service-related purposes.
We may send you push notifications regarding special offers, payment reminders, and important account updates. These notifications are optional and can be turned off at any time without affecting the app’s functionality.
We request access to two emergency contacts for identification verification and fraud prevention. You can manually enter these contacts or select them from your address book. We will only access the contacts you specify, and no additional information from your address book will be collected without your consent. This data will be securely transmitted to our servers at https://biwahafix.amibillion.com via HTTPS.
Each time you click to apply for a loan, we collect certain device data to confirm your identity and prevent fraud. This includes the device model, operating system version, brand, unique identifiers (such as IMEI or serial number), screen width, default language, time zone, display settings, CPU performance, and other device environment information. We also gather information about financial apps installed on your device, such as app name, version, installation date, and last update date. This helps us identify potential risks and safeguard your account from fraudulent activity.
Please note that we do not collect data from non-financial apps. If you do not click to apply, none of this device information will be sent or processed.
All collected device data is securely stored on our servers to prevent unauthorized access.
We use network data, including your IP address, connection status, and network type, to assess potential risks and prevent data loss during network issues. For risk analysis, we may access your Wi-Fi network data and other information, such as SIM provider, network type, and MAC address.
In accordance with Uganda's regulations, we may ask you to provide specific personally identifiable information (PII) when using our services. This could include your phone number, email address, name, gender, birthdate, ID card number, and other relevant information, but is not limited to these details. We may also request information related to your educational background, marital status, and employment history to help us process your loan application and evaluate your creditworthiness.
We also collect information about the apps installed on your device to assess fraud risks and identify any potential malware that could compromise your security. This data helps us prevent illegal access to your personal information and detect fraudulent activity. We only focus on financial apps and do not collect data from non-financial applications.
How Data Is Used: We use your collected data to:
After encryption, all collected data is securely transmitted to our servers at https://biwahafix.amibillion.com. Your data will not be shared with any third parties without your explicit permission and will be stored securely.
Data Protection: We use modern encryption techniques to ensure that all data remains secure during transmission and storage. We are committed to safeguarding your personal information and will only use it as described above.
We gather your personal data primarily in two ways:
1. Direct submission: When you use our services, such as applying for loans, filling out online forms, or communicating with us, we collect the information you provide directly.
2. Automatic collection: We also collect usage data automatically as you use our app, website, and related services. This includes data sent by your device, such as location, device type, and interactions with our platform.
Your personal data is used for:
We may share data with third parties under the following circumstances:
By using AmiBillion, you consent to the collection, usage, and sharing of your data as outlined in this policy. Your permission helps us offer safe, transparent, and customized lending services based on your financial situation.
The Privacy Policy delineates the methods by which we collect, retain, utilize, disclose, share, and protect your personal information. Please attentively review the following information to gain a more comprehensive understanding of our policies and the manner in which we manage your personal information. By downloading the application, you acknowledge that you have reviewed, comprehended, and consented to the terms of this privacy policy. Additionally, you acknowledge that this Privacy Policy will collect, utilize, hold, manage, and distribute your personal information. This Privacy Policy, our Terms of Use, and any other regulations govern your use of the Service and the System.
Unless otherwise specified, the definition of all words in this Privacy Policy that are written in capital letters will be the same as that in our Terms of Use (if applicable).
While utilizing the application, the user is obligated to submit technical information and unique identifiers of their mobile device, including the IMEI number, MAC address, and phone number. Additionally, they must provide mobile network information, operating system, mobile browser type, and time zone preferences. They must also provide emergency contacts, names, phone numbers and relationships.
Given the nature of our services, we are compelled to collaborate with a variety of external entities, including banks, suppliers, contractors, partners, and collection agencies, in order to assist us or collaborate with us. Subsequently, they may furnish us with information regarding you. We will only collect your personal information for our work with these companies if we have ensured that other companies will adhere to our privacy policy and laws by obtaining your consent prior to sharing your personal information with us.
It is possible to disclose intimate information regarding others, including your companion, friends, family, and emergency contacts. In order to accomplish this, you will require their consent. Please refer to the "ACKNOWLEDGEMENT AND ACCEPTANCE" section below for additional information.
We are permitted to utilize the personal information we have gathered for the purposes stipulated by law.
a. Your personal information may be utilized in the following manners:
b. Furthermore, we may utilize your personal information for broader purposes; however, we will always manage it appropriately and only utilize the requisite quantity for each specific purpose:
a. We may disclose your personal information to related companies and other parties for specific legal purposes. We will always maintain a level playing field and only disclose the personal information that is required for the specific purpose.
b. We will ensure that any potential connection between the information and you is eliminated prior to sharing it with others.
c. We reserve the right to disclose or distribute your personal information in ways that exceed the scope of this Privacy Policy, provided that you have granted us advance notice.
When you utilize our services, your information may be transmitted, stored, utilized, and managed in a location other than your current residence. Additionally, you have the ability to communicate with businesses in other countries where our group operates, as well as with the locations where our group's service providers, partners, and servers are located.
We guarantee that personal information will be safeguarded in accordance with Ugandan laws and our privacy policy.
By signing this document, you consent to the transfer of your personal information in the manner outlined here, regardless of whether it occurs in your country of origin or in a different one.
Your personal information will be retained for the duration of time permitted by law or as required for the original purpose for which it was collected. We will either delete your personal information or ensure that it cannot be associated with you once it is no longer required for legal or business purposes.
We reserve the right to decline requests to amend your personal information if the law mandates it. If we deem the requests to view or alter the information to be unnecessary, trivial, or bothersome, or if the personal information includes references to other individuals, this may occur.
The personal information we collect from you may be handled, moved, or stored by other companies. We guarantee that we will exert every effort to guarantee that all external service providers adhere to the privacy criteria established in this policy.
We place a high value on the confidentiality of your personal information. We are committed to ensuring the security of your personal information by taking all necessary measures to prevent unauthorized use, loss, or injury. Additionally, our objective is to prevent any individual from obtaining, utilizing, or disclosing your information without your consent. Regrettably, the security of data transmitted via the internet is not entirely guaranteed. You acknowledge that, despite our efforts to safeguard your personal information, we are unable to ensure that any data you share online will be entirely secure from illicit access or changes beyond our control. It is crucial to maintain the privacy of your account information in order to safeguard your mobile device and ensure the security of your password.
In order to guarantee that our Privacy Policy remains in accordance with our current practices and any updates mandated by laws or regulations, we may periodically review and revise it. It is recommended that you frequently review our Privacy Policy to ensure that you are informed about the manner in which we manage and secure data. If you continue to use the app or website, communicate with us, or utilize the service following these modifications, you will be considered to have consented to the modifications to this Privacy Policy.
a. Your acceptance of the Privacy Policy signifies that you have reviewed, comprehended, and consented to all of its provisions. By consenting to this Privacy Policy, you authorize us to collect, use, share, retain, transmit, and manage your personal information.
b. By providing us with personal information about another individual, such as your companion, family, colleagues, or emergency contact, you are confirming that you have their consent. Additionally, you authorize us to utilize, distribute, and manage their personal information on their behalf.
c. Additionally, you consent to our ability to contact you and your emergency contact (provided that they have consented) to verify your information in the event that we are unable to contact you through alternative means or are unable to receive your loan payment.
d. You have the option to prevent us from acquiring, using, or sharing your personal information by sending us a written notice using the contact details provided. Additionally, you may elect to discontinue receiving specific information and messages from us by utilizing the "unsubscribe" or "opt-out" option included in our communications to you. You acknowledge and consent to the possibility that you may be unable to access certain portions of the service or the application if you choose to revoke your assent. If you revoke your assent, we may terminate our agreement or your account. All rights and obligations that have been accrued will be preserved in their entirety. We will inform you of the potential consequences if you choose to revoke your consent after receiving your request to use, collect, or share your personal information. Subsequently, you may determine whether to revoke your authorization.
a. We may send you marketing messages via the App, mail, phone, text message, email, online chat, or push notifications to inform you of exclusive benefits, offers, or activities from us, our partners, sponsors, or advertisers, or to provide you with updates on the features of our App.
b. By selecting the "unsubscribe" link in the email or contacting us using the information supplied, you may opt out of receiving these marketing messages at any time. Please be advised that you may continue to receive non-promotional messages regarding your account, app, loan transactions, and other critical information, even if you elect to unsubscribe.
a. The website and the app can be attached to other websites. We are not responsible for the collection, use, storage, sharing, or disclosure of data and information by these other companies. Also, we are not in control of these websites. Read the privacy policies and terms of service of other websites to gain insight into the manner in which they collect and utilize your personal information.
b. Links to the advertiser's website may be present in advertising on our app or website. The advertiser will collect and utilize any information obtained when you click on the link, as specified in the advertiser's privacy policy.
We exclude any additional or unique damages that may arise as a consequence of the following:
a. The difficulties you encounter when using the application, or the extent to which you rely on it.
b. Any relationship or agreement between you and another party, regardless of whether we were aware that losses could occur.
c. We are not liable for delays or malfunctions that are beyond our control.
If you have any inquiries regarding this privacy policy or would like to access your personal information, please contact us at uganda@amibillion.com.
Amibillion