“We”, “our”, “us” means SINGULARITY MICROFINANCE LIMITED and its duly established affiliated entities in Tanzania operating the PesaX Pro application.

“Personal Data” means any information that identifies, relates to, describes, or can reasonably be linked to an individual.

“Processing” means any operation performed on Personal Data, including collection, storage, use, disclosure, and deletion.

This Privacy Policy applies to all users of the PesaX Pro mobile application and related services in Tanzania. It governs how we collect, process, store, and share your personal information when you use our app, website, and related customer support channels.

SINGULARITY MICROFINANCE LIMITED and its affiliated entities in Tanzania (“PesaX Pro”, “we”) are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and process the personal data you provide to us or that we obtain about you.

We handle personal data only when there is a valid legal basis for doing so. In many cases, this will be with your explicit consent, for example when you choose to grant certain device permissions. In other situations, we process information because it is necessary to deliver our services, to manage your loan application, or to meet the obligations of a contract between you and us. We may also process data to comply with legal requirements under Tanzanian law and relevant international data protection standards, or where it is in our legitimate interests to do so – such as preventing fraud, improving our services, and maintaining the security of our systems.

By clicking “Agree” and completing the authorisation process, you confirm that you have read and understood this Privacy Policy and consent to the collection, use, storage, processing, and disclosure of your personal information as described here.

We collect your information to assess and verify your credit eligibility. By analyzing your data, we can detect possible fraud risks. Through your financial-related SMS records, we can assess your credit risk and protect you. account and provide you with better customized services.

To assess your eligibility and facilitate faster disbursal of your loan，We may collect and process the following data about you from your device, After you agree to grant us these permissions, we will collect some data, which are described below, please read it carefully:

SMS： We request your permission to access SMS only for the purpose of assessing your repayment capacity and verifying your financial status. To protect your privacy, all SMS are first processed locally on your device using keyword filters to identify messages related to financial transactions. We do not collect or upload any content that is unrelated to finance.

From the filtered messages, we collect only the sender ID, message content, and date of receipt. This information is encrypted and securely transmitted to our servers via the HTTPS and is never shared with third parties.

You may refuse to grant SMS permission at any time. However, doing so may affect your credit evaluation score, as we would be unable to include this data in our risk assessment.

LOCATION：We only collect your IP address to confirm that you are logging in from your usual location in Tanzania. This helps us prevent account misuse and detect potential fraud. The information is encrypted and securely transmitted to our servers via the HTTPS protocol ().

CAMERA: To mitigate the risk of fraud or unauthorized use of your account and personal information, our application requires access to your device's camera to conduct real-time liveness detection as part of identity verification. Liveness detection is an essential step to confirm that the current device user is indeed you, ensuring the successful completion of Know Your Customer (KYC) verification and safeguarding your account. Camera access is strictly limited to capturing necessary real-time images solely for the purpose of liveness verification. Such image data will be encrypted and transmitted to our servers（） for immediate verification. You retain the right to choose whether to authorize camera access; however, declining access may impact the completion of the identity verification process. This permission is exclusively intended to enhance the security of your account and prevent unauthorized access. By granting camera access, you consent to its usage solely for real-time identity verification purposes, in strict accordance with our data protection policies.

APP LIST：We request access to your list of installed applications solely to help us detect potential fraud risks, hidden malware, or signs of high-risk borrowing behaviour.

To protect your privacy, this process is carried out locally on your device. We use keyword-based matching to filter the application list and identify only those that are relevant for our risk assessment. The full list of your installed applications is not transmitted to our servers — only the filtered results necessary for credit evaluation and fraud prevention are encrypted and securely uploaded via the HTTPS protocol ().

The data we collect includes, where applicable, the application name, installation date, package name, version number, update time, and version code for the relevant apps. This information will never be shared with any third party without your consent.

MOBILE PHONE(DEVICE)：We need to access your device permissions to obtain your device information, including hardware details such as operating system, system version, serial number, Android ID, screen size, and other hardware data. This information helps us identify your device and ensure that unauthorized devices cannot act on your behalf, preventing fraudulent activities.

With your authorization, we will encrypt your device information and securely upload it to our servers via HTTPS (). We assure you that your data will not be shared with any third party.

When you register an account on our platform, we will require some of your personal information. This includes your personal data (full name, phone number, NIDA, residential address, length of residence, marital status, educational background, email, etc.), employment data (employment status, occupation, years of work experience), financial data (payday, monthly income), and your mobile and device information (battery level, phone brand, device name, memory usage, etc.), as well as interaction data while using the PesaX Pro app. We use this basic information to assess your creditworthiness and establish a strong, trusting relationship.You have the right to decline providing this information; however, missing information may affect your credit score. Additionally, providing false information could lead to inaccurate or lower credit assessments. We are committed to not misusing your information, nor will we share it with any third parties. We will also never use your information for purposes unrelated to our business. You may request the deletion of your personal information at any time, and we will process your request accordingly.

PesaX Pro may obtain users' personal information through our business partners. This information may include, for example, your name, date of birth, identification number, email address, and phone number, which are necessary for conducting KYC (Know Your Customer) verification.

PesaX Pro may also acquire personal information from other third-party sources, including public and commercial channels. As mentioned above, we may combine information received from our business partners and other third-party sources with the information we collect from you for verification and comparison purposes. This ensures that your information has not been misused and confirms that it is authentic, reliable, and reflects a trustworthy, high credit score user.

We primarily use the personal information we collect to assess your creditworthiness and determine the most suitable loan products for you. This includes analysing your application data, financial information, and relevant device or account details to calculate a credit score and make responsible lending decisions.

Your information is also used to verify the accuracy of your payout account details before disbursement. We work with licensed financial institutions and payment partners to ensure that funds are transferred securely and to the correct account.

Where necessary, we use your information to detect and prevent fraudulent activity, protect your account from unauthorised access, and safeguard your assets.

In addition, we review certain in-app activity data — such as feature usage, error reports, and technical performance logs — to identify possible crashes or bugs. This helps us improve the stability, security, and overall user experience of PesaX Pro.

We share personal information only when it is necessary to deliver our services, operate our business, or meet legal requirements. In some cases, this means working with our own subsidiaries and affiliated companies, for example when our collections team needs limited billing details to perform their work. We also work with licensed banks, payment processors, and payout channels, and may provide them with the account and transaction information required to verify your details and complete disbursements.

To understand and improve the way people find and use PesaX Pro, we use third-party tools such as Google Ads, Appsflyer, and the Facebook SDK. These services help us measure marketing performance and optimise user acquisition, and in doing so may receive device identifiers, installation data, and other basic analytics information.

Where disclosure is required by law or to prevent fraud, enforce agreements, or protect the safety of our users, we may share relevant information with law-enforcement agencies or other authorised bodies. In every situation, we limit what is shared to the minimum necessary and expect our partners to handle that data in line with strict privacy standards.

We retain your personal data only for as long as it is needed to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. This may include keeping certain records to meet legal obligations, resolve disputes, or enforce our agreements.

Usage data, such as technical logs and analytics records, is generally kept for a shorter period and only as long as necessary to improve service performance, enhance security, or comply with applicable legal requirements.

We encrypt your information so that it cannot be read without proper authorization. Once encrypted, it is securely transmitted to our servers via the HTTPS protocol. We do not alter your data or share it with third parties, and it is used solely for the purpose of conducting risk assessment analysis.

To exercise your data access rights or if you have any inquiries related to your personal data, please contact us at：onlineservice@pesax.co We will respond to your request within a reasonable timeframe, as required by law.

If you use our website, we may use cookies for analytics and performance improvement. You can disable cookies in your browser settings.

Our services are not directed to individuals under 18. We do not knowingly collect personal data from minors.

We do not sell personal data. As part of our commitment to privacy, we do not and will not sell any personal data collected from our users. You have the right to know that your data is not, and will not be, sold or exchanged for profit.

We may update this policy periodically to reflect changes in our practices or legal requirements. Any modifications will be published on the Platform, and the latest version will take effect upon posting. We encourage you to review this policy regularly to stay informed about any updates. By continuing to use our platform and services after an update, you acknowledge and accept the revised Privacy Policy.

If you have any questions about this Privacy Policy, You can contact us:

By email: onlineservice@pesax.co

By Call: 255788043242,255756879686

By visiting this page on our website: https://www.pesax.cc

This Privacy Policy is governed by the laws of Tanzania. Any disputes will be subject to the exclusive jurisdiction of the courts in Tanzania.