1. IN A TYPICAL USER
About Us
The objective of HorseDunku ("HorseDunku", "we", "us", or "our") is to deliver the utmost quality of service possible. Our primary goal has consistently been to secure your personal information and privacy.
What is the purpose of reviewing this privacy statement?
Further information regarding the management of any personal information we receive from you or that you submit through the HorseDunku applications (the "Apps"), the creation and use of your HorseDunku account (your "Account"), and the use of our lending services (collectively, the "Services," which include the Apps and your Account), can be found in our privacy statement and our Terms of Use. I sincerely trust that you will finish the reading.
In order to acquire a thorough comprehension of our policies and procedures concerning your personal data and the manner in which we will employ it, we strongly urge you to review the accompanying material.
For information on the general utilization guidelines of the services, please refer to our Terms of Use.
If you have any queries or concerns about our policy or privacy practices, please do not hesitate to contact us via the Apps or via email at help@horsedunku.com.
Information and current occurrences
We consistently evaluate the provisions of this policy and our privacy policies to guarantee that your personal data is processed in the most secure manner possible.
2. INFORMATION THAT YOU MAY DISTRIBUTE
In order to provide you with the services, a specific amount of your personal data must be collected, stored, shared, analyzed, and managed. This section of the policy provides a comprehensive explanation of the data we will obtain about you and the circumstances under which it will be used.
2.1 Identity Verification Requirements for Account Activation
Your access to services will be restrict during the initial account configuration. In order to completely activate your account and grant you access to all services, we must initially verify your identity in accordance with the law. We require your Zambian ID and any supplementary documentation that may be necessary for this purpose. Your name, date of birth, Zambian ID expiration date, and any other personal information that we deem necessary or required by law will be extracted from these documents in order to verify your identity. We would like to remind you that it is your responsibility to promptly notify us of any changes to your personal information. Depending on the circumstances, it may be necessary to re-verify your identity.
2.2 Transactional data
We acquire information about your creditworthiness and the lending transaction when you employ our services to borrow money or participate in any other service-related transaction. A few examples of the types of information that may be included are your personal details, employment and income details, credit history, debt-to-income ratio, collateral details, loan purpose, amount, and terms, bank account details, residential details, references, and any information about co-signers or guarantors.
2.3 Background of the character
For example, we will collect information about your employment, income, and bank account in order to determine which account to debit and whether to grant you credit. We will assess your name, phone number, emergency contact information (including name, relationship to you, and phone number), bank account information, and history of repaying credit that we have previously granted you before issuing you additional credit through the Apps. We may also disclose your information to third parties, such as debt collection agencies, if you fail to pay the credit or comply with the terms and conditions of the service.
2.4 Favored by the consumer base
We may use your consent to send you emails or other marketing materials, contingent upon your preferences. By monitoring your interactions with and responses to our marketing messages, we can develop a more thorough comprehension of your preferences. At your discretion, you may revoke your consent at any time.
2.5 Questions or information regarding expenses
If you would like to report an issue (such as a problem with the programs), submit a complaint about our services, or contact us with inquiries, this personal information will be promptly added to your account.
2.6 Data from service providers facilitate automated decision-making.
Verification experiments are backed by a third party, as previously mentioned. Please be advised that we may receive personal information that is generated during the verification procedure. Our organization, in partnership with our partner, implements automated decision-making during verification tests. Please furnish me with supplementary information concerning this matter. Your identity is evaluated as part of the automated decision-making process by examining your pertinent personal information. Should the automated decision-making process be unable to sufficiently authenticate your identity, it will decline to authorize an account for you.
2.7 Information concerning cookies, technical issues, and applications
We accumulate data regarding your utilization patterns, as well as the types and frequency of services and/or applications you employ. In order to enhance our comprehension of the manner in which our users perceive the services and applications, as well as their allure and repulsion, we are implementing this measure. These may include your IP address, operating system, platform, browser plug-in types and versions, and registration credentials, if applicable.
2.8 Overview of the Device
The SIM card type, IMEI, name of the mobile operator, hardware type, application version, mobile network, and inventory of installed apps are all components of the device that you are employing to access the services and/or applications.
2.9 While operating the appliance
In order to make use of the Application, the User must provide technical information and unique identifiers, such as the IMEI number, MAC address, or phone number of their mobile device. Additionally, you must provide information about your device's operating system, mobile browser type, selected time zone, and mobile network. A list of emergency contacts, call and text message records, and any supplementary digital content that you desire are additional requirements.
4. NOTICE REGARDING THE PRIVATE DATA PRIVACY
Your personal information may be disclosed exclusively in the following situations:
(1) Your consent is required for the dissemination of your personal data.
(2) We reserve the right to disclose your personal information to other service users in order to ensure that you both receive the maximum benefit from the services we provide. Additionally, our services facilitate the exchange of personal information between you and other Service users.
(3) By including personal information in your public profile on the Apps, you authorize other App users to access and utilize it publicly.
(4) Our organization may disclose your personal information to specific service providers, partners, or group organizations in order to facilitate the provision of services such as transaction management, in-app services, verification checks, and money transfers. Occasionally, we may be compelled to provide a partner with access to your entire account and financial information, subject to their performance.
(5) In order to evaluate the services and make the necessary adjustments to ensure the highest quality for you and others, we may provide access to your personal information to specific service providers or group companies.
(6) We may be required to disclose your personal information in order to resolve the legitimate claims or legal procedures of law enforcement, regulatory agencies, officials, or other entities, or to comply with a legal required.
(7) We may disclose your personal information to a third party that is responsible for its processing in the event of a merger, acquisition, or other restructuring.
Your transaction and other account information will be retained in Zambia in compliance with Zambian consumer protection legislation and finance company standards. We will ensure that the relevant data privacy laws are followed if any of the aforementioned circumstances require the lawful transmission of your personal data to a country other than the one from which it was originally obtained. The legal conditions for the transmission of personal data, as well as the possibility of cross-border data exchange and the participation of the countries, will be delineated. We guarantee that your personal information will be protected to the same degree, regardless of your current location.
5. SECURITY OF YOUR PERSONAL INFORMATION
We endeavor to safeguard your data from unauthorized access, alteration, disclosure, and use, as well as inadvertent loss or injury. Our primary goal is to protect your privacy. The requisite security protocols have been implemented to prevent this.
Furthermore, as previously mentioned, we restrict access to contractors, laborers, volunteers, agents, and other relevant third parties. They are accountable for the protection of your personal information and will only use it in a manner that is consistent with our policies.
I regret to inform you that the security of data transmitted over the internet cannot be entirely guaranteed. Despite our best efforts, we are unable to guarantee the security of any personal information you submit through our services. The information you transmit is your responsibility. Upon receipt of your data, we will promptly implement stringent security protocols and procedures to protect against illicit use, access, disclosure, and alteration.
6. WHAT TERMS APPLY TO THE WAY IN WHICH WE STORE YOUR PERSONAL INFORMATION?
Your personal information will be retained for the specified period in order to fulfill the purposes for which it was collected, such as legal, accounting, tax, reporting, and other obligations. Upon establishing the appropriate retention period for personal data, we consider the volume, nature, sensitivity, potential harm from unauthorized use or disclosure, the purposes for processing the data, whether those purposes can be achieved through alternative means, and any relevant legal, regulatory, tax, accounting, or other requirements.
What we have found is that:
- We will retain your financial information for a maximum of six years from the date of your most recent transaction, or for a protracted period if it falls within the retention term specified below, as permitted by applicable laws, including anti-money laundering regulations.
- All pertinent data, including transactional and personal information, will be permanently deleted six years following the cancellation date.
Your personal data may be retained for an extended period if we have reasonable suspicions of potential legal action or other regulatory enforcement action related to our relationship with you and/or your use of the Services, or in the event of a complaint.
7. YOU ARE AWARENESS OF YOUR RIGHTS
This can be accomplished by adhering to jurisdictional restrictions and satisfying specific conditions:
(1) Submit an application to request access to your personal data. You will be able to certify that we are legally processing your personal information and obtain a copy of the data we have on file for you by completing this step.
(2) Request that we update the personal information we have on file for you. This offers you the chance to edit any inaccurate or incomplete information we may have about you; however, any new information you submit may necessitate verification.
(3) You have the right to request the deletion of your personal data if you are not in debt. If there is no valid reason for the retention of your personal data on our systems, you have the right to request that it be removed. Additionally, you have the right to request that we delete or expunge your records in order to comply with local law, in the event that you have successfully exercised your right to object to processing (see below), or in the event that we may have processed your information unlawfully.
(4) You have the right to object to the processing of your personal data if you believe that it is in violation of your fundamental rights and freedoms due to circumstances that are unique to you. In this case, our decision will be based on the legitimate interests of either ourselves or a third party. Additionally, you have the right to object to the use of your personal information for direct marketing.
(5) Request a restriction on the use of your personal information. You may request that we cease the processing of your personal information in specific circumstances.
(6) Request that your personal data be transferred to you or another party. You or a designated third party will receive your personal data in a structured, machine-readable format.
(7) You have the right to revoke your consent at any time if we are using your personal data for any purpose.
(8) Submit a complaint to the relevant authorities if there are any concerns regarding data protection. If you could contact us at your earliest convenience, we would be grateful to address your concerns before you contact the regulator.
Please contact us using the information provided above to exercise any of the aforementioned rights.
In order to verify your identity and guarantee that you are able to exercise your rights, we may request specific information from you. This is implemented as a security measure to prevent the disclosure of personal information to unauthorized individuals. We could reach out to you in order to acquire supplementary information, which would allow us to respond more promptly. Please bear this in mind.
We strive to respond to legitimate inquiries within a month. On occasion, the processing of requests that are exceedingly complex or have been submitted multiple times will exceed one month. We will guarantee that you are kept informed of any developments and that you receive information on a consistent basis.
8. EXTERNAL LINKS TO OTHER PARTIES
Plug-ins, applications, and hyperlinks to websites operated by third parties may be present on our website and services. You authorize third parties to collect and share personal information about you by clicking on these links or enabling these connections. Please keep this in mind. We are not responsible for the privacy practices of these third-party websites, plug-ins, or programs, as we have no control over them. Before departing our websites or applications, please review the privacy policies of each website or application you use or visit.
