This privacy policy has been compiled to better serve those who are concerned with how their “Personally Identifiable Information” (PII) is being used online. PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. By visiting Kenda Lending Limited, also referred to “our site”, you are accepting the practices described in this policy. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website and app.
What personal data we collect and why we collect it
Your Information
You may give us information about you by completing forms on our site, app, by allowing us to access your information on social media sites or by corresponding with us by phone, e-mail or otherwise. This includes information on app login, applying for a loan and activity on social media. The information you give us may include your name, current and previous address, e-mail, phone number, social networks data, financial information, personal status information, employment information, educational status, contacts and family information, applications and messages.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
We use cookies for tracking purposes only. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, some features will be disabled. That makes your site experience more efficient and may not function properly.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Data
How we use your data
We may use the information we collect from you in the following ways:
To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested;
To provide products, services, and information regarding your request;
To create a credit score based on your information;
To notify about recent changes in the product or services provided;
To follow up with them after correspondence (live chat, email or phone inquiries).
The following information is collected/shared/transmitted whenever you use the app or visit our website:
Financial SMS Information
We do not collect or store your private SMS from your inbox.
We only collect financial SMS from your inbox which helps us identify the various accounts you hold and the cash flow patterns you have as a user to help us carry out a credit risk assessment which allows us to determine your risk profile and provide you with a suitable credit analysis for allows you to take financial facilities from regulated financial entities and other service providers available on the platform.
When using the app, it periodically sends financial SMS information to our affiliate servers and to us with DES and AES via https encryption.
Phone status
We access the status of your phone is used to identify you and ensure the security of your information, to help third parties to cooperate in assessing the level of risk.
Location
We collect location information from your device to reduce the risk associated with your account.
Installed Applications
We collect a list of the installed applications’ metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess your credit worthiness and enrich your profile with pre-approved customized loan offers.
Storage
We require the storage information permission that allows the App to enable you to upload photos and/or documents to complete the application form during your loan application journey.
Camera
We require the camera information permission to provide you an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan application journey.
Photo library
We require photo library access so that you can easily choose and upload required KYC documents and save time by allowing us to auto-fill relevant data. This ensures that you are provided with a seamless experience while using the application.
Calendar
When users use our platform services, we will mark the loan products you are interested in. In case of new information, events and offers, we will use your device calendar permissions to provide you with a reminder service.
Device information
The information the App collects, and how that information is used, depends on how you manage your privacy controls on your device.
When you install the App, we store the information we collect with unique identifiers tied to the device you’re using.
We collect information from the device when you download and install the App and explicitly seek permissions from YOU to get the required information from the device.
The information we collect from your device includes the unique ID i.e. IMEI number, GAID (Google Advertising ID), IP, information on operating system, call logs, SDK version and mobile network information including carrier name, SIM Serial and SIM Slot, your profile information, list of installed apps, wi-fi information.
We collect information about your device to provide automatic updates and additional security so that your account is not used in other people’s devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behaviour, thereby allowing us to improve our services and provide an enhanced customized user experience to you.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
All individuals who are the subject of Personal Data held by the Company are entitled a have rights to request for and access their Personal Data collected and stored. Where data is held electronically in a structured form, such as in a Database, receive that data in a common electronic format; to information on their personal data collected and stored; to objection or request for restriction; to object to automated decision making; to request rectification and modification of their data which the Company keeps; to request for deletion of their data, except as restricted by law or the Company’s statutory obligations; to request the movement of data from the Company to a Third Party; this is the right to the portability of data; and to request that the Company restricts the processing of their information except as required by law or the Company’s statutory obligations
Where we send your data
Visitor comments may be checked through an automated spam detection service. We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.
Your contact information
We collect information from you when you enter it on our site or our app.
Length of retention
The Company will use personal data only as long as necessary to implement, administer and manage participation in the Debt or as required to comply with legal or regulatory obligations, including under tax and securities laws. When the Company no longer needs personal data, which will generally be five (5) years after participates in the Debt, the Company will remove it from its systems. If the Company keeps the data longer, it would be to satisfy legal or regulatory obligations and the Company’s legal basis would be relevant laws or regulations
Additional information
How we protect your data
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user asks for a loan, submits data, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.
Industry regulatory disclosure requirements
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Contact
If there are any questions regarding this privacy policy, you may contact us using the website form or using the information below.
E-mail: prosperity.archipelago@gmail.com