Our Privacy Notice and You
Effective: July 2026
This Privacy Notice (“Notice”) describes M-KOPA’s policies and practices regarding your Personal Data as a customer of M-KOPA. It explains how your Personal Data is collected, used, and disclosed by the M-KOPA group of companies (“M-KOPA”, “We”, “Us”). It also tells you how you can access and update your Personal Data and make certain choices about how your Personal Data is used.
If you do not provide necessary Personal Data to us (we will indicate to you when this is the case, for example, by making this information clear in our sign up forms), we may not be able to provide you with our goods and/or services. This Notice can change from time to time (see Section 20).
This Notice provides information based on how you interact with M-KOPA followed by more general information on how data is processed and protected. Where specific or additional information is needed based on your location this is included in the relevant section:
YOUR INTERACTIONS WITH M-KOPA
- WHEN YOU APPLY TO BECOME AN M-KOPA CUSTOMER
- WHEN WE MANAGE YOUR ACCOUNT
- WHEN YOU MAKE PAYMENTS
- WHEN YOU USE OUR CUSTOMER APP OR VISIT OUR WEBSITE
- WHEN YOU CONTACT CUSTOMER CARE
- IF YOU FALL BEHIND ON PAYMENTS
- WHEN YOUR ACCOUNT IS SETTLED
GENERAL INFORMATION
- DATA CONTROLLERS
- SECURITY
- PERSONAL DATA OF CHILDREN
- SHARING CUSTOMER DATA
- DATA RETENTION
- SOURCES OF PERSONAL DATA
- SENSITIVE / SPECIAL CATEGORIES OF PERSONAL DATA
- AUTOMATED DECISION MAKING
- CROSS BORDER DATA TRANSFERS
- FRAUD AND OTHER CRIMINAL ACTIVITY
- ADDITIONAL ACTIVITIES
- YOUR RIGHTS
- CONTACT US
- CHANGES TO THIS NOTICE
YOUR INTERACTIONS WITH M-KOPA
1. WHEN YOU APPLY TO BECOME AN M-KOPA CUSTOMER
If you are new to M-KOPA we need to collect certain information from you in order to onboard you as a customer. We will need you to complete an application form that includes information such as your name, contact information and details of your product. We collect this in order to enter into a contract with you for the purchase of that product. If you do not provide this information we cannot provide you with M-KOPA products.
At the same time we will also ask for your consent to contact you with information about future upgrades or additional products and services. We do this via a combination of phone calls, SMS and push notifications. You may withdraw this consent at any time. This can be done manually, by changing your push notification settings or using the opt-out option added to each SMS, or by contacting us directly.
In order to improve our ability to contact you about your account, we may collect more than one contact phone number should you be happy to provide one. You may also be able to provide an alternative person for us to contact if we cannot reach you directly, for example a friend or relative.
As part of our licensing as a credit provider, we are legally required to confirm the identity of our customers. We do this by taking a copy of an identity document and comparing it against a ‘selfie’ image of you. We may use an automated service to carry out this check however manual checks and reviews by our Customer Care team are also part of this process.
South Africa – If you are based in South Africa we have a further legal requirement to carry out a credit check against you with an authorised credit bureau before onboarding you as a customer. To do this we share identifying information about you and your application with credit bureaus during your onboarding process.
2. WHEN WE MANAGE YOUR ACCOUNT
In order to fulfil our contract with you we enrol you into the M-KOPA Customer App and collect information directly from your M-KOPA product including serial / IMEI numbers and information on usage, software status, crash reports and related activity. If the product is used in a way that breaches the terms of your contract we may use this software to lock the product as described in our terms and conditions.
We will also create a Customer Account in your name that holds the information you have provided to us or that we have collected about you in the course of your relationship with M-KOPA.
M-KOPA has a legitimate interest in ensuring product functionality, enforcing the terms of your contract and being able to support customers and help you to resolve issues with your product. We use the information described above to assist with this.
3. WHEN YOU MAKE PAYMENTS
M-KOPA collects information about any payments made in relation to products or services you may have with us. We collect transaction logs, date and time stamps, payment amounts along with some limited information about the individual who made the payment, including if that is someone other than you.
M-KOPA does not manage any payment platforms directly and we receive the above information from whichever of our payment partners were used for that transaction.
We use information about your payment history, along with account behaviour and other information provided at onboarding, to make automated decisions about your eligibility for additional products and services. Being a good payer means you have a better chance of qualifying for more products and offers. The better your payment record, the more opportunities become available to you. You can request manual checks of your eligibility by contacting Customer Care.
4. WHEN YOU USE OUR CUSTOMER APP OR VISIT OUR WEBSITE
When you use the M-KOPA Customer App we collect product level information, telemetry and usage data as described in section 2.
We also use the Customer App to send push notifications containing (non-marketing) information related to your account. This includes payment notifications, fraud warnings and updates on service downtime or interruption where we have identified a legitimate interest to do so.
If you have consented to receive information on upgrades on other new products we may send push notifications about these offers. These can be turned off in your phone settings if you wish to withdraw consent.
If you visit any of our M-KOPA websites we may use cookies to improve your experience and to better understand how visitors use our site. Where consent is needed we request this via our cookie banner which also contains more information on what information our site collects.
5. WHEN YOU CONTACT CUSTOMER CARE
If you get in touch to ask a question, raise a complaint or for support with your product our Customer Care team will use information from your Customer Account to assist you as appropriate. Customer Care will also create a ticket to track and monitor the issue you have raised and may ask you for additional personal data in order to help you as needed.
If you contact Customer Care by telephone we may record those calls for training and quality purposes and to ensure we have assisted you appropriately.
If you contact us via email or WhatsApp we will retain copies of the conversation within the ticket for the same purposes.
6. IF YOU FALL BEHIND ON PAYMENTS
The terms of our contract with you require that you make regular payments for your product. The details of these payments are described in your contract.
If you do fall behind we use an automated locking process to deactivate your product. If you are in danger of your account reaching this point, we will attempt to contact you in order to advise you to keep current with your payments. You can also contact Customer Care to discuss your account status at any time.
As a licensed credit provider, M-KOPA has legal obligations to provide information to local credit bureaus in relation to customer accounts. If you do not keep current with your payments information about this may be shared with those credit bureaus. These reports may impact your eligibility for credit from other providers in future.
7. WHEN YOUR ACCOUNT IS SETTLED
Once you have completed payments on your M-KOPA product you will remain enrolled via the Customer App for 11 months from the date of your final payment. This enables us to continue to offer you further products and services on your account. If you wish to be unenrolled you can request this at any time via Customer Care, however it may impact your eligibility for additional products and offers.
Information from customer records may be retained beyond the end of the contract where M-KOPA is required to keep those records for the purposes of tax, regulatory or audit obligations.
GENERAL INFORMATION
8. DATA CONTROLLERS
M-KOPA does business across Africa. The privacy laws in some countries consider a Controller (or Responsible Party as defined in South Africa) to be the legal entity (or natural person) who defines the purposes for which the processing of Personal Data takes place and how that data is processed. Parties that are involved in processing operations on behalf of a Controller are referred to as Processors (or Operator as defined in South Africa). In the majority of cases the Controller will be the operating entity in your country which will be made clear as customer onboarding, however other M-KOPA entities may also be Controllers for some activities. A full list of M-KOPA Data Controllers are provided in Appendix A. More information on our processors is available in Section 11.
9. SECURITY
M-KOPA has implemented appropriate technical and organisational measures designed to protect your personal data against unauthorised access, loss, alteration, disclosure, or destruction. These measures include encryption of data in transit and at rest, access controls that restrict personal data to authorised personnel on a need-to-know basis, and ongoing monitoring of our systems for vulnerabilities and threats. We maintain information security policies and procedures that are reviewed regularly, and our staff receive training to ensure they handle personal data responsibly. Where we engage third-party service providers to process personal data on our behalf, we require them to maintain equivalent security standards as a condition of their engagement.
10. PERSONAL DATA OF CHILDREN
M-KOPA does not sell products or services to children under 18 year old. Our customer onboarding process includes checks to ensure that all customers are adults. If there are ever specific situations where we may need to process children’s data we will only do so with the consent of a parent.
12. DATA RETENTION
M-KOPA will ensure that your personal data is only processed for the minimum amount of time needed for the reasons explained in this notice. We will retain copies of your personal data for as long as:
- We maintain an ongoing relationship with you (e.g. where you are an active customer)
- your personal data is necessary for the purposes set out in this Privacy Notice;
- We have a statutory obligation to retain your personal data
- if any relevant legal claims are brought, we may continue to process your Personal Data for such additional time necessary in connection with that claim.
13. SOURCES OF PERSONAL DATA
Wherever possible we will aim to collect personal data from you directly – either where you have provided it to us or we have collected it based on your interactions with us, including via the Customer App and your M-KOPA product.
Where we are legally required or have a legitimate interest to do so we may also collect information about you from other sources including credit bureaus, payment providers and network providers.
14. SENSITIVE / SPECIAL CATEGORIES OF PERSONAL DATA
M-KOPA does not collect sensitive categories of personal data unless there is a clear need to do so. We will always ensure that appropriate safeguards are in place if we need to process your sensitive personal data.
We collect biometric data (your image) during customer onboarding where we have a legal obligation to confirm your identity by checking your formal identity document against a current image. This is done as part of our regulatory compliance and via a controlled process. We retain this information as proof of the identity process and will only refer to this data if there is a legitimate reason to do so, for example to combat fraud.
15. AUTOMATED DECISION MAKING
M-KOPA uses automated systems for three relevant purposes in connection with your account.
Firstly, when you register as a customer we are required to obtain proof of identity as part of our Know Your Customer (KYC) process. This is a requirement as part of our compliance with our licensing obligations. Your KYC documents and image may be subject to automated review, however human oversight and review of these decisions is available as part of the process.
Secondly, upgrade and product eligibility assessments are performed based on payment history and account standing. Our systems automatically review your payment history, account behavior, and any information you provided at sign-up. If you consistently make your payments on time and maintain your account in good standing, you're more likely to be eligible for additional offers. Being a good payer means you have a better chance of qualifying for more products; the better your payment record, the more opportunities become available to you.
You may contact M-KOPA Customer Care to discuss your eligibility at any time.
Finally, device access (locking and unlocking) is managed via an automated system that responds to daily payment credit updates. Your device access is maintained on a rolling daily credit basis. Each day, a credit update is processed; if your account reflects sufficient credits, usage is extended. If no credit is received, usage expires in accordance with the terms of your agreement.
We wish to be clear that this process involves human oversight at the operational level: before deactivation is effected, M-KOPA's customer care team issues advance notification via SMS or push notification. This notification provides you with the opportunity to contact M-KOPA directly before any deactivation takes place to either discuss your account status, catch up with missed payments or request a review of any access decision.
16. CROSS BORDER DATA TRANSFERS
M-KOPA operates across several markets and therefore your personal data may be transferred between different group entities in the course of providing products and services to you. All group entities are covered by relevant internal policies and an intra company agreement is in place to ensure there is no loss of protections for your personal data as a result of these transfers.
We also work with third party suppliers and processors, as described in section 9. Some of these organisations may be based outside the country where you personal data was collected and therefore a cross border transfer may take place. Where this occurs, we take steps to ensure that appropriate safeguards and protections are in place as applicable and in line with local legislation.
17. FRAUD AND OTHER CRIMINAL ACTIVITY
M-KOPA may use customer’s personal data for the prevention and detection of fraud or similar where we have a legitimate reason to do so. We reserve the right to share data with law enforcement bodies for this purpose or where we have a legal obligation to disclose that data. We may also use customer data to defend our legal position as necessary.
18. ADDITIONAL ACTIVITIES
From time to time M-KOPA may ask to collect personal data for other reasons not covered by this Notice, for example competitions, surveys or customer feedback. Where this happens we will be clear about what data will be collected and why and ensure that you are given options about how that data is used as appropriate or required.
19. YOUR RIGHTS
Depending on where you are located, you have certain rights when it comes to the handling of your Personal Data. You may contact Us (see Section 20) to:
- Request access to your personal data,
- Ask to have your personal data updated or corrected.
- Request to obtain your Personal Data in a usable format and transmit it to another party (also known as the right to data portability);
- Request to delete the Personal Data We hold about you;
- Opt-out of specific Personal Data processing types, such as targeted advertising;
- submit a complaint if you are not satisfied with how M-KOPA is processing your personal data.
Please note that the above rights are not absolute and may be subject to limitations or exemptions within local legislation. Where applicable, we will identify this in our response to your request. If you have unresolved concerns you also have the right to complain to the relevant competent data protection authority. Authorities can be contacted through their websites (see below table).
20. CONTACT US
Data Protection queries can be sent to dpo@m-kopa.com.
Please contact your local customer care team regarding other queries in relation to your account.
21. CHANGES TO THIS NOTICE
This Notice will be reviewed and updated periodically. The latest version will always be published on our website: m-kopa.com.
Appendix A – M-KOPA Data Controllers
The table below shows the entities within the M-KOPA Group who act as Data Controllers. The exact Controller(s) for your personal data may vary depending on how you interact with us.
Off Riverside Drive,
P.O. Box 51866-00100
Nairobi, Kenya
Nii Martey Tsuru Street,
Spintex, Accra
P.O.Box CT 6282,
Cantonments, Accra
Ghana
P.O. Box 199,
Entebbe, Uganda
Jibowu,
Lagos, Nigeria
257 Jean Avenue,
P.O. Box 7750, Centurion,
Gauteng 0046
South Africa
One Crown Square,
Woking, Surrey,
United Kingdom, GU21 6HR
Ilani Yetu ya Faragha na Wewe
Inaanza Kutumika: Julai 2026
Ilani hii ya Faragha (“Ilani”) inaeleza sera na taratibu za M-KOPA kuhusu Data yako ya Kibinafsi kama mteja wa M-KOPA. Inaeleza jinsi Data yako ya Kibinafsi inavyokusanywa, kutumiwa, na kufichuliwa na kundi la kampuni za M-KOPA (“M-KOPA”, “Sisi”, “Sisi”). Pia inakuambia jinsi unavyoweza kufikia na kusasisha Data yako ya Kibinafsi na kufanya chaguzi fulani kuhusu jinsi Data yako ya Kibinafsi inavyotumiwa.
Ikiwa hutatoi Data muhimu ya Kibinafsi kwetu (tutakuonyesha wakati hii inapotokea, kwa mfano kwa kuifanya wazi katika fomu zetu za kujisajili), huenda tusiweze kukupa bidhaa na/au huduma zetu. Ilani hii inaweza kubadilika mara kwa mara (tazama Sehemu ya 21).
Ilani hii inatoa taarifa kulingana na jinsi unavyoshirikiana na M-KOPA, ikifuatiwa na taarifa za jumla kuhusu jinsi data inavyochakatwa na kulindwa. Ambapo taarifa maalum au za ziada zinahitajika kulingana na eneo lako, zimejumuishwa katika sehemu husika:
MAHUDHURIANO YAKO NA M-KOPA
- UNAPOOMBA KUWA MTEJA WA M-KOPA
- TUNAPOSIMAMIA AKAUNTI YAKO
- UNAPOFANYA MALIPO
- UNAPOTUMIA APP YETU YA WATEJA AU KUTEMBELEA TOVUTI YETU
- UNAPOWASILIANA NA HUDUMA KWA WATEJA
- UKIKOSA MALIPO
- AKAUNTI YAKO INAPOKAMILIKA
TAARIFA ZA JUMLA
- WADHIBITI WA DATA
- USALAMA
- DATA YA KIBINAFSI YA WATOTO
- KUSHIRIKI DATA YA WATEJA
- UHIFADHI WA DATA
- VITUO VYA DATA YA KIBINAFSI
- DATA NYETI / KATEGORIA MAALUMU ZA DATA YA KIBINAFSI
- UAMUZI WA KIOTOMATIKI
- UHAMISHAJI WA DATA KUVUKA MPAKA
- ULAGHAI NA SHUGHULI NYINGINE ZA UHALIFU
- SHUGHULI ZA ZIADA
- HAKI ZAKO
- WASILIANA NASI
- MABADILIKO YA ILANI HII
MAHUDHURIANO YAKO NA M-KOPA
1. UNAPOOMBA KUWA MTEJA WA M-KOPA
Ikiwa wewe ni mgeni kwa M-KOPA, tunahitaji kukusanya taarifa fulani kutoka kwako ili kukuandikisha kama mteja. Tutahitaji ujaze fomu ya maombi inayojumuisha taarifa kama jina lako, maelezo ya mawasiliano na maelezo ya bidhaa yako. Tunakusanya hii ili kuingia katika mkataba nawe kwa ununuzi wa bidhaa hiyo. Ikiwa hutatoi taarifa hii, hatuwezi kukupa bidhaa za M-KOPA.
Wakati huo huo, tutakuomba ridhaa yako ili kukuwasiliana na taarifa kuhusu uboreshaji wa baadaye au bidhaa na huduma za ziada. Tunafanya hivi kupitia mchanganyiko wa simu, SMS na arifa za push. Unaweza kuondoa ridhaa hii wakati wowote. Hii inaweza kufanywa kwa mkono, kwa kubadilisha mipangilio yako ya arifa za push au kutumia chaguo la kujiondoa lililoongezwa kwa kila SMS, au kwa kuwasiliana nasi moja kwa moja.
Ili kuboresha uwezo wetu wa kukuwasiliana kuhusu akaunti yako, tunaweza kukusanya nambari zaidi ya moja ya simu ikiwa utakuwa tayari kutoa. Unaweza pia kutoa mtu mbadala wa kuwasiliana naye ikiwa hatuwezi kukufikia moja kwa moja, kwa mfano rafiki au jamaa.
Kama sehemu ya leseni yetu kama mtoaji wa mikopo, tunahitajika kisheria kuthibitisha utambulisho wa wateja wetu. Tunafanya hivi kwa kuchukua nakala ya hati ya utambulisho na kuilinganisha na picha ya ‘selfie’ yako. Tunaweza kutumia huduma ya kiotomatiki kufanya ukaguzi huu, hata hivyo ukaguzi wa mwongozo na mapitio na timu yetu ya Huduma kwa Wateja pia ni sehemu ya mchakato huu.
Afrika Kusini – Ikiwa uko Afrika Kusini, tuna mahitaji zaidi ya kisheria ya kufanya ukaguzi wa mkopo dhidi yako na ofisi ya mkopo iliyoidhinishwa kabla ya kukuandikisha kama mteja. Ili kufanya hivyo, tunashiriki taarifa za kutambulisha kuhusu wewe na maombi yako na ofisi za mkopo wakati wa mchakato wako wa kuandikishwa.
2. TUNAPOSIMAMIA AKAUNTI YAKO
Ili kutimiza mkataba wetu nawe, tunakuandikisha katika App ya Wateja ya M-KOPA na kukusanya taarifa moja kwa moja kutoka kwa bidhaa yako ya M-KOPA ikijumuisha nambari za serial / IMEI na taarifa juu ya matumizi, hali ya programu, ripoti za kuanguka na shughuli zinazohusiana. Ikiwa bidhaa inatumiwa kwa njia inayokiuka masharti ya mkataba wako, tunaweza kutumia programu hii kufunga bidhaa kama ilivyoelezwa katika masharti na vigezo vyetu.
Pia tutaunda Akaunti ya Mteja kwa jina lako inayoshikilia taarifa ulizotupa au ambazo tumekusanya kukuhusu wakati wa uhusiano wako na M-KOPA.
M-KOPA ina nia halali ya kuhakikisha utendaji wa bidhaa, kutekeleza masharti ya mkataba wako na kuwaze kuunga mkono wateja na kukusaidia kutatua masuala na bidhaa yako. Tunatumia taarifa zilizoelezwa hapo juu kusaidia katika hili.
3. UNAPOFANYA MALIPO
M-KOPA inakusanya taarifa kuhusu malipo yoyote yanayofanywa kuhusiana na bidhaa au huduma unazoweza kuwa nazo nasi. Tunakusanya kumbukumbu za miamala, mihuri ya tarehe na saa, kiasi cha malipo pamoja na taarifa chache kuhusu mtu aliyefanya malipo, ikiwa ni mtu mwingine isipokuwa wewe.
M-KOPA haidhibiti majukwaa yoyote ya malipo moja kwa moja na tunapokea taarifa hapo juu kutoka kwa washirika wetu wowote wa malipo waliotumika kwa muamala huo.
Tunatumia taarifa kuhusu historia yako ya malipo, pamoja na tabia ya akaunti na taarifa nyingine zilizotolewa wakati wa kuandikishwa, kufanya maamuzi ya kiotomatiki kuhusu ustahiki wako kwa bidhaa na huduma za ziada. Kuwa mlipaji mzuri kunamaanisha una nafasi bora ya kuhitimu kwa bidhaa na ofa zaidi. Kadiri rekodi yako ya malipo inavyoboresha, ndivyo fursa zinavyoongezeka kwako. Unaweza kuomba ukaguzi wa mwongozo wa ustahiki wako kwa kuwasiliana na Huduma kwa Wateja.
4. UNAPOTUMIA APP YETU YA WATEJA AU KUTEMBELEA TOVUTI YETU
Unapotumia App ya Wateja ya M-KOPA, tunakusanya taarifa za kiwango cha bidhaa, telemetri na data ya matumizi kama ilivyoelezwa katika sehemu ya 2.
Pia tunatumia App ya Wateja kutuma arifa za push zenye taarifa (zisizo za uuzaji) zinazohusiana na akaunti yako. Hii inajumuisha arifa za malipo, maonyo ya ulaghai na masasisho juu ya kukatika kwa huduma au usumbufu ambapo tumeainisha nia halali ya kufanya hivyo.
Ikiwa umetoa ridhaa ya kupokea taarifa juu ya uboreshaji au bidhaa mpya, tunaweza kutuma arifa za push kuhusu ofa hizi. Hizi zinaweza kuzimwa katika mipangilio ya simu yako ikiwa unataka kuondoa ridhaa.
Ukitembelea tovuti yoyote ya M-KOPA, tunaweza kutumia cookies kuboresha uzoefu wako na kuelewa vizuri jinsi wageni wanavyotumia tovuti yetu. Ambapo ridhaa inahitajika, tunaomba hii kupitia bango letu la cookies ambalo pia lina taarifa zaidi juu ya taarifa ambazo tovuti yetu inakusanya.
5. UNAPOWASILIANA NA HUDUMA KWA WATEJA
Ukipata mawasiliano kuuliza swali, kuwasilisha malalamiko au kwa msaada na bidhaa yako, timu yetu ya Huduma kwa Wateja itatumia taarifa kutoka Akaunti yako ya Mteja kukusaidia ipasavyo. Huduma kwa Wateja pia itaunda tiketi kufuatilia na kufuatilia suala ulilowasilisha na inaweza kukuuliza data ya ziada ya kibinafsi ili kukusaidia inavyohitajika.
Ukituwasiliana kwa simu, tunaweza kurekodi simu hizo kwa madhumuni ya mafunzo na ubora na kuhakikisha tumekusaidia ipasavyo.
Ukituwasiliana kupitia barua pepe au WhatsApp, tutahifadhi nakala za mazungumzo ndani ya tiketi kwa madhumuni yale yale.
6. UKIKOSA MALIPO
Masharti ya mkataba wetu nawe yanahitaji ufanye malipo ya kawaida kwa bidhaa yako. Maelezo ya malipo haya yameelezwa katika mkataba wako.
Ukikosa malipo, tunatumia mchakato wa kufunga kiotomatiki kuzima bidhaa yako. Ikiwa uko katika hatari ya akaunti yako kufikia hatua hii, tutajaribu kukuwasiliana ili kukushauri uendelee na malipo yako. Unaweza pia kuwasiliana na Huduma kwa Wateja kujadili hali ya akaunti yako wakati wowote.
Kama mtoaji wa mikopo mwenye leseni, M-KOPA ina majukumu ya kisheria ya kutoa taarifa kwa ofisi za mkopo za ndani kuhusiana na akaunti za wateja. Ikiwa hutadumisha malipo yako, taarifa kuhusu hili inaweza kushirikiwa na ofisi hizo za mkopo. Ripoti hizi zinaweza kuathiri ustahiki wako kwa mikopo kutoka kwa watoaji wengine siku zijazo.
7. AKAUNTI YAKO INAPOKAMILIKA
Mara tu ukimaliza malipo kwenye bidhaa yako ya M-KOPA, utabaki umeandikishwa kupitia App ya Wateja kwa miezi 11 kutoka tarehe ya malipo yako ya mwisho. Hii inatuwezesha kuendelea kukupa bidhaa na huduma zaidi kwenye akaunti yako. Ikiwa unataka kuondolewa, unaweza kuomba hii wakati wowote kupitia Huduma kwa Wateja, hata hivyo inaweza kuathiri ustahiki wako kwa bidhaa na ofa za ziada.
Taarifa kutoka rekodi za wateja inaweza kuhifadhiwa zaidi ya mwisho wa mkataba ambapo M-KOPA inahitajika kuhifadhi rekodi hizo kwa madhumuni ya kodi, udhibiti au majukumu ya ukaguzi.
TAARIFA ZA JUMLA
8. WADHIBITI WA DATA
M-KOPA inafanya biashara kote Afrika. Sheria za faragha katika baadhi ya nchi zinachukulia Mdhibiti (au Chama Kinachohusika kama kinavyofafanuliwa Afrika Kusini) kuwa chombo cha kisheria (au mtu wa asili) anayefafanua madhumuni ambayo usindikaji wa Data ya Kibinafsi unafanyika na jinsi data hiyo inavyochakatwa. Wahusika wanaohusika katika shughuli za usindikaji kwa niaba ya Mdhibiti wanarejelewa kama Wasindikaji (au Opereta kama kinavyofafanuliwa Afrika Kusini). Katika visa vingi Mdhibiti atakuwa chombo kinachofanya kazi katika nchi yako ambacho kitawekwa wazi wakati wa kuandikishwa kwa mteja, hata hivyo vyombo vingine vya M-KOPA vinaweza pia kuwa Wadhibiti kwa baadhi ya shughuli. Orodha kamili ya Wadhibiti wa Data wa M-KOPA imetolewa katika Kiambatisho A. Taarifa zaidi kuhusu wasindikaji wetu zinapatikana katika Sehemu ya 11.
9. USALAMA
M-KOPA imetekeleza hatua sahihi za kiufundi na za shirika zilizoundwa kulinda data yako ya kibinafsi dhidi ya ufikiaji usioidhinishwa, upotevu, mabadiliko, ufichuzi, au uharibifu. Hatua hizi zinajumuisha usimbaji fiche wa data katika usafirishaji na katika kupumzika, udhibiti wa ufikiaji unaozuia data ya kibinafsi kwa wafanyakazi walioidhinishwa kwa msingi wa hitaji la kujua, na ufuatiliaji endelevu wa mifumo yetu kwa udhaifu na vitisho. Tunadumisha sera na taratibu za usalama wa habari zinazopitiwa mara kwa mara, na wafanyakazi wetu hupokea mafunzo ili kuhakikisha wanashughulikia data ya kibinafsi kwa uwajibikaji. Ambapo tunaajiri watoa huduma wa wahusika wengine kuchakata data ya kibinafsi kwa niaba yetu, tunawahitaji kudumisha viwango sawa vya usalama kama sharti la ujiri wao.
10. DATA YA KIBINAFSI YA WATOTO
M-KOPA haiuzi bidhaa au huduma kwa watoto chini ya umri wa miaka 18. Mchakato wetu wa kuandikisha wateja unajumuisha ukaguzi ili kuhakikisha kuwa wateja wote ni watu wazima. Ikiwa kuna hali maalum ambapo tunaweza kuhitaji kuchakata data ya watoto, tutafanya hivyo tu kwa ridhaa ya mzazi.
11. KUSHIRIKI DATA YA WATEJA
M-KOPA inafanya kazi na idadi ya mashirika ya washirika waaminifu kusaidia katika kukupa huduma. Mifano na kategoria za hizi ziko hapa chini.
- Tunatumia mawakala wa wahusika wengine kusaidia timu yetu ya Huduma kwa Wateja. Ukituwasiliana na Huduma kwa Wateja, unaweza kuzungumza na mmoja wa mawakala hawa ambao watakusaidia na ombi lako.
- Watoa huduma maalum hutusaidia katika kukagua hati za utambulisho wakati wa kuandikisha wateja.
- Ili kukuwasiliana kwa ufanisi, tunaweza kutumia watoa huduma wa mawasiliano kutuma ujumbe kwako na kudhibiti mapendeleo yako kuhusiana na mawasiliano hayo.
- Tunafanya kazi na watoa huduma wa IT na majukwaa, ikijumuisha huduma za Wingu, kusaidia utoaji wa bidhaa zetu kwako na kudhibiti uhusiano wetu unaoendelea. Data ya kibinafsi inashirikiwa tu kwa kiwango kinachohitajika kutekeleza kazi tulizowauliza watekeleze kwa niaba yetu.
- Tunashiriki data ya wateja na ofisi za mkopo na mashirika sawa ambapo inahitajika na sheria za ndani.
- Baadhi ya bidhaa na huduma tunazotoa zinaweza kutolewa na mhusika mwingine badala ya moja kwa moja kutoka M-KOPA. Tutashiriki data inayohitajika na wahusika hao wengine kama inavyohitajika kutimiza mkataba kwa bidhaa na huduma hizo.
- Tunashiriki data ya wateja na vyombo vya kutekeleza sheria ili kutuwezesha kuzuia na kugundua ulaghai au tabia nyingine haramu kama inavyohitajika.
- Tunapokea taarifa za wasifu wa mitandao ya kijamii ya wahusika wengine (Facebook, Instagram n.k.) unaposhirikiana nasi kupitia huduma hizi. Unaweza kuona matangazo kutoka M-KOPA kama matokeo ya mahudhuriano haya. Ili kujifunza zaidi kuhusu jinsi taarifa yako kutoka mtandao wa kijamii wa mhusika mwingine inavyopatikana na M-KOPA, au kujiondoa kushiriki taarifa kama hizo za mtandao wa kijamii, tafadhali tembelea tovuti ya mtandao husika wa kijamii.
- Inaweza kuwa muhimu kushiriki data ya wateja kwa madhumuni ya muungano au ununuzi wa baadaye.
Vyombo vyovyote vya kisheria vinavyounda Kundi la kampuni za M-KOPA vinaweza kuwa na ufikiaji wa data yako ya kibinafsi wakati wa uhusiano wako nasi. Kushiriki katika Kundi la M-KOPA kunatawaliwa na ulinzi sahihi na makubaliano ya ndani ya kampuni.
M-KOPA haiuzi data yako ya kibinafsi kwa sababu yoyote.
12. UHIFADHI WA DATA
M-KOPA itahakikisha kuwa data yako ya kibinafsi inachakatwa tu kwa muda wa chini unaohitajika kwa sababu zilizoelezwa katika ilani hii. Tutahifadhi nakala za data yako ya kibinafsi kwa muda mrefu kama:
- Tunadumisha uhusiano unaoendelea nawe (kwa mfano ambapo wewe ni mteja hai)
- data yako ya kibinafsi inahitajika kwa madhumuni yaliyowekwa katika Ilani hii ya Faragha;
- Tuna wajibu wa kisheria wa kuhifadhi data yako ya kibinafsi
- ikiwa madai yoyote ya kisheria yanayohusika yataletwa, tunaweza kuendelea kuchakata Data yako ya Kibinafsi kwa muda wa ziada unaohitajika kuhusiana na dai hilo.
13. VITUO VYA DATA YA KIBINAFSI
Kadiri inavyowezekana, tutajaribu kukusanya data ya kibinafsi kutoka kwako moja kwa moja – ama ambapo umeitupa au tumekusanya kulingana na mahudhuriano yako nasi, ikijumuisha kupitia App ya Wateja na bidhaa yako ya M-KOPA.
Ambapo tunahitajika kisheria au tuna nia halali ya kufanya hivyo, tunaweza pia kukusanya taarifa kukuhusu kutoka vyanzo vingine ikijumuisha ofisi za mkopo, watoa huduma wa malipo na watoa huduma wa mtandao.
14. DATA NYETI / KATEGORIA MAALUMU ZA DATA YA KIBINAFSI
M-KOPA haikusanyi kategoria nyeti za data ya kibinafsi isipokuwa kuna hitaji wazi la kufanya hivyo. Tutahakikisha kila wakati kuwa ulinzi sahihi upo ikiwa tutahitaji kuchakata data yako nyeti ya kibinafsi.
Tunakusanya data ya kibiometriki (picha yako) wakati wa kuandikisha wateja ambapo tuna wajibu wa kisheria wa kuthibitisha utambulisho wako kwa kukagua hati yako rasmi ya utambulisho dhidi ya picha ya sasa. Hii inafanywa kama sehemu ya utii wetu wa udhibiti na kupitia mchakato uliodhibitiwa. Tunahifadhi taarifa hii kama uthibitisho wa mchakato wa utambulisho na tutarejelea data hii tu ikiwa kuna sababu halali ya kufanya hivyo, kwa mfano kupambana na ulaghai.
15. UAMUZI WA KIOTOMATIKI
M-KOPA inatumia mifumo ya kiotomatiki kwa madhumuni matatu muhimu yanayohusiana na akaunti yako.
Kwanza, unapojisajili kama mteja, tunahitajika kupata uthibitisho wa utambulisho kama sehemu ya mchakato wetu wa Know Your Customer (KYC). Hii ni hitaji kama sehemu ya utii wetu wa majukumu yetu ya leseni. Hati zako za KYC na picha zinaweza kuwa chini ya ukaguzi wa kiotomatiki, hata hivyo usimamizi wa binadamu na ukaguzi wa maamuzi haya zinapatikana kama sehemu ya mchakato.
Pili, tathmini za ustahiki wa uboreshaji na bidhaa zinafanywa kulingana na historia ya malipo na hali ya akaunti. Mifumo yetu hukagua kiotomatiki historia yako ya malipo, tabia ya akaunti, na taarifa yoyote uliyotoa wakati wa kujisajili. Ikiwa unalipa mara kwa mara kwa wakati na kudumisha akaunti yako katika hali nzuri, una uwezekano mkubwa wa kustahiki ofa za ziada. Kuwa mlipaji mzuri kunamaanisha una nafasi bora ya kuhitimu kwa bidhaa zaidi; kadiri rekodi yako ya malipo inavyoboresha, ndivyo fursa zinavyoongezeka kwako.
Unaweza kuwasiliana na Huduma kwa Wateja ya M-KOPA kujadili ustahiki wako wakati wowote.
Hatimaye, ufikiaji wa kifaa (kufunga na kufungua) unadhibitiwa kupitia mfumo wa kiotomatiki unaoitikia masasisho ya kila siku ya mikopo ya malipo. Ufikiaji wako wa kifaa unadumishwa kwa msingi wa mkopo wa kila siku. Kila siku, sasisho la mkopo linachakatwa; ikiwa akaunti yako inaonyesha mikopo ya kutosha, matumizi yanapanuliwa. Ikiwa hakuna mkopo uliopokelewa, matumizi yanaisha kulingana na masharti ya makubaliano yako.
Tunataka kuwa wazi kuwa mchakato huu unahusisha usimamizi wa binadamu katika ngazi ya uendeshaji: kabla ya kuzimwa kufanyika, timu ya huduma kwa wateja ya M-KOPA inatoa arifa ya mapema kupitia SMS au arifa ya push. Arifa hii inakupa fursa ya kuwasiliana na M-KOPA moja kwa moja kabla ya kuzimwa yoyote kufanyika ili ama kujadili hali ya akaunti yako, kufidia malipo yaliyokosa au kuomba ukaguzi wa uamuzi wowote wa ufikiaji.
16. UHAMISHAJI WA DATA KUVUKA MPAKA
M-KOPA inafanya kazi katika soko kadhaa na kwa hivyo data yako ya kibinafsi inaweza kuhamishwa kati ya vyombo tofauti vya kundi wakati wa kukupa bidhaa na huduma. Vyombo vyote vya kundi vimefunikwa na sera muhimu za ndani na makubaliano ya ndani ya kampuni yapo ili kuhakikisha hakuna upotevu wa ulinzi kwa data yako ya kibinafsi kama matokeo ya uhamishaji huu.
Pia tunafanya kazi na wasambazaji na wasindikaji wa wahusika wengine, kama ilivyoelezwa katika sehemu ya 11. Baadhi ya mashirika haya yanaweza kuwa nje ya nchi ambapo data yako ya kibinafsi ilikusanywa na kwa hivyo uhamishaji kuvuka mpaka unaweza kufanyika. Ambapo hii inatokea, tunachukua hatua kuhakikisha kuwa ulinzi na ulinzi sahihi upo kama inavyotumika na kulingana na sheria za ndani.
17. ULAGHAI NA SHUGHULI NYINGINE ZA UHALIFU
M-KOPA inaweza kutumia data ya kibinafsi ya mteja kwa kuzuia na kugundua ulaghai au sawa ambapo tuna sababu halali ya kufanya hivyo. Tunahifadhi haki ya kushiriki data na vyombo vya kutekeleza sheria kwa madhumuni haya au ambapo tuna wajibu wa kisheria wa kufichua data hiyo. Tunaweza pia kutumia data ya wateja kutetea msimamo wetu wa kisheria kama inavyohitajika.
18. SHUGHULI ZA ZIADA
Mara kwa mara M-KOPA inaweza kuomba kukusanya data ya kibinafsi kwa sababu nyingine zisizofunikwa na Ilani hii, kwa mfano mashindano, tafiti au maoni ya wateja. Ambapo hii inatokea tutakuwa wazi kuhusu data gani itakusanywa na kwa nini na kuhakikisha kuwa unapewa chaguzi kuhusu jinsi data hiyo inavyotumiwa kama inavyofaa au inavyohitajika.
19. HAKI ZAKO
Kulingana na mahali ulipo, una haki fulani linapokuja suala la usimamizi wa Data yako ya Kibinafsi. Unaweza kuwasiliana Nasi (tazama Sehemu ya 20) ili:
- Kuomba ufikiaji wa data yako ya kibinafsi,
- Kuomba data yako ya kibinafsi isasishwe au isahihishwe.
- Kuomba kupata Data yako ya Kibinafsi katika muundo unaotumika na kuipeleka kwa mhusika mwingine (pia inajulikana kama haki ya uhamishaji wa data);
- Kuomba kufuta Data ya Kibinafsi Tunayoshikilia kukuhusu;
- Kujiondoa katika aina maalum za usindikaji wa Data ya Kibinafsi, kama vile utangazaji unaolengwa;
- kuwasilisha malalamiko ikiwa hujaridhika na jinsi M-KOPA inavyochakata data yako ya kibinafsi.
Tafadhali kumbuka kuwa haki zilizo hapo juu si kamili na zinaweza kuwa chini ya vikwazo au msamaha ndani ya sheria za ndani. Ambapo inatumika, tutaitambua hii katika majibu yetu kwa ombi lako. Ikiwa una wasiwasi ambao haujatatuliwa, pia una haki ya kulalamika kwa mamlaka husika ya ulinzi wa data. Mamlaka zinaweza kuwasiliana kupitia tovuti zao (tazama jedwali hapa chini).
20. WASILIANA NASI
Maswali ya Ulinzi wa Data yanaweza kutumwa kwa dpo@m-kopa.com
Tafadhali wasiliana na timu yako ya ndani ya huduma kwa wateja kuhusu maswali mengine yanayohusiana na akaunti yako.
21. MABADILIKO YA ILANI HII
Ilani hii itapitiwa na kusasishwa mara kwa mara. Toleo la hivi karibuni litachapishwa kila wakati kwenye tovuti yetu: m-kopa.com.
Kiambatisho A – Wadhibiti wa Data wa M-KOPA
Jedwali hapa chini linaonyesha vyombo ndani ya Kundi la M-KOPA vinavyofanya kazi kama Wadhibiti wa Data. Mdhibiti (au Wadhibiti) halisi wa data yako ya kibinafsi unaweza kutofautiana kulingana na jinsi unavyoshirikiana nasi.
Off Riverside Drive,
P.O. Box 51866-00100
Nairobi, Kenya
Nii Martey Tsuru Street,
Spintex, Accra
P.O.Box CT 6282,
Cantonments, Accra
Ghana
P.O. Box 199,
Entebbe, Uganda
Jibowu,
Lagos, Nigeria
257 Jean Avenue,
P.O. Box 7750, Centurion,
Gauteng 0046
South Africa
One Crown Square,
Woking, Surrey,
United Kingdom, GU21 6HR
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