Privacy Policy

1. Collection of Personal Information

To efficiently advance your loan approval process and accurately assess your application, we need to collect some necessary personal information. We value your trust and are committed to fully safeguarding the security of your data and transactions. All information is transmitted and stored with encryption. If you wish to cancel your account or delete your personal information, you may contact our customer service team at any time.

Personal Information

When you submit a loan application, we will collect necessary details such as contact information, identification, residential address, employment details, and device ID to comply with identity verification requirements and evaluate your creditworthiness and repayment ability. This information will be used to create your personal profile, conduct credit assessments, and complete the loan approval and disbursement process. All data will be encrypted and securely uploaded to our protected server (https://data.seacomug.com). Unless we have your explicit consent, we will not share your personal data with any third parties.

Call Log Information

To ensure account security and prevent identity theft, when selecting voice verification, the app must cross-reference your device's call logs (such as incoming numbers and call types) to confirm SIM card compatibility. Please be assured that all comparison analysis is performed locally on your device. We only transmit encrypted analysis results to our secure server (https://data.seacomug.com). Your original personal call logs are never uploaded or stored, strictly protecting your privacy.

Device Information

To confirm the uniqueness of the device and prevent unauthorized usage, we will collect information such as the device brand, model, Wi-Fi connection status, system language, and operating environment. This information will be encrypted immediately after collection and securely uploaded via HTTPS to our dedicated server (https://data.seacomug.com). We promise to keep this information strictly confidential and will not share it with any third parties.

SMS Information

To assist in evaluating your credit risk and debt situation, the system will only collect financial-related SMS data from the past six months. We use intelligent keyword recognition technology to extract only text related to account activity, loan repayment, and other financial transactions. We will never read non-financial private messages. The data will be encrypted and transmitted securely via HTTPS to the designated server (https://data.seacomug.com), and we commit not to provide it to any third parties.

Location Information

For risk prevention purposes, we will collect your approximate location (used only for general area identification) to monitor any abnormal login activities and ensure the security of your account. The location data will also be encrypted via HTTPS and uploaded to the secure server (https://data.seacomug.com). It will not be shared with any third parties.

Installed Apps List

To identify potential fraud software or viruses in the device environment, we will collect details about the apps installed on your device, including app names, package names, versions, and installation and update times. This data will only be used for risk assessment and loan review, encrypted, and securely uploaded via HTTPS to the secure server (https://data.seacomug.com). We assure you that this information will be kept confidential and will not be shared with any third parties.

Emergency Contacts

To assist with identity verification and fraud prevention, you can manually select two emergency contacts from your contact list. We will only collect the contact information you explicitly specify and will not access any other contact details. This information will be encrypted and uploaded via HTTPS to our dedicated server (https://data.seacomug.com), and it will be kept strictly confidential, not shared with any third parties.

We collect the above information in order to better provide personalized loan services and ensure the security of your identity and transactions.

2. Storage and Protection of Information

We store your personal information in encrypted databases and take strict technical and administrative measures to protect this information. All transmitted personal data will be protected by SSL encryption to ensure that data is not intercepted or tampered with during transmission.

Data Storage: We store your personal information on servers located in Uganda to comply with local laws and regulations. Your data will be retained only for as long as necessary to provide services. After this period, we will safely delete or anonymize your personal information.

Data Protection: We employ technologies such as firewalls and encryption to protect your personal information. Access to your data is strictly controlled, and only authorized personnel are allowed to access it.

3. How We Use and Process Your Information

We use your personal information for the following purposes:

• Identity Verification: To verify your identity information and ensure the validity of your loan application.
• Loan Assessment: To assess your loan eligibility and repayment capacity based on your financial status and credit history.
• Providing Personalized Services: To offer you personalized loan products and repayment plans based on your needs and preferences.
• Customer Service: To use your contact information to provide customer support, resolve issues, and answer your inquiries.
• Legal Compliance: To comply with legal requirements, we may share your personal information with relevant authorities.
• Security Assurance: We may use your information to prevent fraud and protect your account security.

We will not use your personal information for any purposes beyond those mentioned above.

4. Information Security and Protection

We place great importance on information security and have implemented the following measures to protect your personal information:

• Data Encryption: We use the latest encryption technologies to protect your personal information, ensuring that data is safe during both storage and transmission.
• Access Control: Only authorized personnel can access your personal information. We regularly provide security training to our internal employees and partners to ensure they follow strict data protection regulations.
• Vulnerability Detection: We regularly conduct security vulnerability scanning and system testing to ensure the security of the app. If any vulnerabilities are found, we will take immediate action to fix them.

While we take multiple protection measures, we cannot guarantee absolute security. In the event of a data breach or other security incident, we will notify you promptly and take appropriate remedial measures.

5. User Rights

Under relevant laws and regulations, you have the following rights regarding your personal information:

• Right to Access: You have the right to request a copy of your personal information stored in the app. You can access your personal information at any time.
• Right to Rectification: If your personal information is inaccurate or incomplete, you have the right to request that we correct or supplement it.
• Right to Deletion: Under certain conditions, you have the right to request that we delete your personal information. Please note that in some cases, we may not be able to immediately delete all data, such as for legal compliance or service provision purposes.
• Right to Restrict Processing: In certain circumstances, you can request us to restrict the processing of your personal information until the issue is resolved.
• Right to Data Portability: You have the right to request that we provide your personal information to you or transfer it to another service provider of your choice.
• Right to Withdraw Consent: If you have previously consented to certain uses of your personal information, you have the right to withdraw your consent at any time. However, withdrawing consent will not affect the legality of our processing of data prior to your withdrawal.

To exercise the above rights, please contact us via our customer service email.

6. Changes to the Privacy Policy

We may update this Privacy Policy from time to time due to legal, technical, or other reasonable reasons. If we make significant changes to this Privacy Policy, you will be notified within the app, and the updated Privacy Policy will be posted on our official website or within the app. We recommend that you regularly review this Privacy Policy to stay informed about how we protect your personal information.

7. Contact Us

If you have any questions or concerns about this Privacy Policy or the handling of your personal information, you can contact us via the following methods:

• Customer Service Email: help@seacomug.com
• Working Hours: Monday to Friday, 9:00 AM to 6:00 PM (Uganda Time)

We will respond promptly and address your issues.