Privacy Policy

Sici Cash – Permissions & Privacy Commitment

At Sici Cash, your privacy matters. We handle your personal data with the utmost care, using it solely to deliver secure and responsible credit services in line with relevant laws and standards. We never disclose your information to external parties without your clear authorization.

Push Notifications

With your approval, Sici Cash may send you important updates like loan progress, repayment reminders, or system alerts. You can turn off notifications at any point—this won’t interfere with your use of the app’s essential features.

Rough Location Access

To enhance the security of your Sici Cash account, we request access to your device's approximate location.

We use this permission exclusively for fraud prevention and security verification. By checking the general area from which your account is accessed, we can help detect and prevent unauthorized or suspicious login attempts.

What We Access & What We Don't:

What We Access & What We Don't:

• We only collect coarse, low-resolution location data (network-based).
• We do not collect precise, GPS-level location data.
• We do not continuously track your location in the background.
• We do not use your location for advertising or marketing.

Location checks are performed only when necessary for security verification.  This data is securely encrypted and transmitted to Sici Cash’s protected server (https://mediation.sicicash.com/scshtugnb) for automated credit analysis. You can enable or disable this permission at any time through your device settings.

SMS Access

With your permission, Sici Cash securely accesses your SMS to streamline your credit application. Verify your repayment capacity.

What we access:

We read relevant transaction details:

• Sender name (e.g., "Bank ABC", "PayPal")
• Transaction description (e.g., "Salary", "Payment to Merchant")
• Transaction amount & date

You can enable or disable this permission anytime in your device settings. Disabling it may limit our ability to assess your credit application fully.

Call Log Access

To help verify your identity and secure your account, Sici Cash requests access to your call log for local analysis.

Information analyzed on your device:

With your permission, the following information from your call log will be processed locally for analysis:

• Contact name (from your address book)
• Phone number
• Call type (incoming, outgoing, missed)
• Call duration
• Call date and time

Key Privacy Assurance:

• All processing occurs locally on your device. The information listed above is never uploaded, transmitted, or stored on any external server or cloud.
• This data is used exclusively for identity verification and fraud prevention purposes within the app.
• You can revoke this permission at any time through your device’s application settings.
• Your call log data remains on your phone and is not shared.
  

Reference Contacts Access

To support identity confirmation and reduce fraud, we may request access to two of your trusted contacts. This access is minimal and used only as part of our security checks.

Installed App List

App List Collection for Security Analysis

Purpose of Data Collection

To enhance the security of your device and protect you from potential threats, this application performs a routine security analysis. As part of this analysis, we collect a list of the applications (Applist) installed on your device. This allows us to: Detect potentially malicious, unwanted, or vulnerable software. Improve our overall threat detection capabilities.

We do not collect: Any personal data within those applications. Your account information, login credentials, or passwords. Application usage data, browsing history, or personal files. The contents of any application.

The collected Applist is securely transmitted via encrypted connection (HTTPS) to our dedicated security analysis endpoint: https://mediation.sicicash.com/scshtugnb This server is secured and maintained solely for the purpose of automated security processing. The data is used for analysis in a non-identifiable, aggregated form where possible and is not sold or shared with third parties for marketing or advertising purposes.

Your Control & Consent by using this security feature, you consent to the collection and transmission of your device's Applist as described above. This process is essential for the security analysis function to operate.

Device & Network Information

To ensure system security, evaluate creditworthiness, and provide stable service, we collect limited technical information from your device.

What We Collect:

• Device Details: Model, operating system version, IMEI/serial number (to confirm device authenticity).
• Device Identifiers: Device ID, Google Advertising ID (GAID) and Other ID for analytics.
• Connection Data: IP address, network type, and connection status.

Our Commitments:

• No Tracking: Not used for cross-app tracking, ads, or creating hidden user profiles.
• Security-First: Used solely for security, fraud prevention, and service improvement.
• Your Control: You can manage each permission in your device settings.
  

Use of Third-Party Services (SDKs)

To ensure a secure, stable, and continuously improving service, Sici Cash integrates a select number of trusted third-party services. Each service is contractually bound to handle your data securely and only for the specific purposes outlined below.

• Firebase by Google: This service is our core infrastructure provider for app stability and performance. It helps us collect anonymous crash reports and performance data (like app response times) to identify and fix issues quickly, ensuring your app runs smoothly. Firebase does not use this data for its own advertising purposes.
• AppsFlyer: This service acts as an independent analytics tool to help us understand which marketing channels are most effective. It processes your IP address and Advertising ID to attribute the app installation to a specific source (e.g., a particular ad campaign). This allows us to optimize our advertising strategies and, ultimately, help us reach more users who can benefit from our services.
  

Data Security & Storage

Your information is encrypted and stored on secure servers operated by Sici Cash（https://mediation.sicicash.com/scshtugnb）. We use this information to:

What We May Collect

Depending on how you use the app, we may collect:

Your name, phone number, residential details, media files, and transaction logs

Credit-related data from official sources or verified third parties

Data Use & Disclosure

Sici Cash does not sell your data. We only share information with:

• Technical service providers assisting in app functionality
• Legal authorities if required by law
• Fraud detection partners under certified agreements
  

Your Agreement & Our Promise

By continuing to use Sici Cash, you acknowledge and agree to these privacy and permission practices. We are dedicated to clarity, accountability, and giving you full control over your data.

Utilizing Information

We obtain your personal information using the two techniques mentioned below:

1. Information you directly provide: When you use our financial services, such as when you apply for goods and/or services, complete online forms, provide feedback, resolve conflicts, or contact us regarding our financial services, we may collect and retain the information you provide. Additionally, we could monitor the data created on your transactions and activity while using our services. Utilization data is automatically collected when the service is used.

2. Information we proactively collect: When you use our website, app, and related services, we collect information from your computer, smartphone, and other access devices.

How We Make Use of Your Data

The data we collect allows us to:

- Verify who you are.

- Create credit scoring models.

- Analyze loan proposals and monitor credit records.

- Monitor collections and payment trends.

This information may be used to assess and qualify your creditworthiness, verify your identity, assess the degree of risk associated with your credit request, and for statistical reasons, among other uses mentioned in the section below.

Transmission and Exchange of Data

Sici Cash may exchange or share personal information under the following conditions:

1. Companies, Partners, or Affiliates of the Sici Cash Group:

Reason: To do statistical analysis, evaluate performance, create new products, and enhance current offerings.

2. Independent service providers or third parties:

Reason: To encourage the delivery of credit-related services.

3. Governmental, judicial, or administrative authorities:

Reason: To follow legal or court directives.

4. Information security, risk management, or software providers:

Reason: To prevent fraud and ensure security.

5. Business Associates:

Reason: To advertise the item.

By using Sici Cash, you agree to the data gathering, use, and sharing practices outlined in this notice. With your consent, we could provide clear, safe, and efficient lending services that are tailored to your budgetary needs.

To safeguard your privacy, we have the following policies in place for the collecting and use of data.

SPECIAL SECURITY OF IT

All capitalized terms in this Privacy Policy shall have the same meaning as those in our conditions of use, unless otherwise indicated (where applicable).

WHAT WE HAVE FOUND ABOUT YOU IS LISTED BELOW

The IMEI number, MAC address, and phone number are among the IDs and technical information that the program need for the user's mobile device. The operating system, mobile network, mobile browser version, and time zone they have chosen must also be included. Videos, pictures, emergency contacts, SMS and phone records, and other digital data must be included.

DATA OBTAINED FROM EXTERNAL SOURCES

Collaboration with a range of organizations, including banks, suppliers, contractors, partners, and collection agencies, is essential to the efficient provision of our services. So they might be able to tell us anything about you. We will only gather your personal information for our relationships with these organizations after obtaining your consent and verifying that they will adhere to our privacy policy, the 2019 Data Protection and Privacy Act, and other relevant legal duties.

Among other things, you have the right to provide personal information about your friends, family, coworkers, and emergency contacts. You will need their permission to accomplish this. For further information, see the "ACKNOWLEDGMENT AND ACCEPTANCE" section just below.

APPLYING THE DATA WE HAVE COLLECTED ABOUT PARTICULAR PEOPLE

We are authorized to use the personal data we have collected for the purposes outlined in the law.

1. Your personal information may be used for the following purposes:

(1) To register you, confirm your identity, and monitor your credit and account status;

(2) We will finish any required evaluations or reviews prior to setting up an account for you.

(3) Repay the loan and be compensated for your labor.

(4) To develop techniques for evaluating credit and determining creditworthiness;

(5) To ensure compliance with all applicable laws, regulations, and guidelines, including those concerning anti-money laundering and "know-your-customer" duties;

(6) To contact you and furnish you with pertinent application details;

(7) To inform you of any changes made to the service or application, such as the inclusion of transaction fees or interest;

(8) To answer your queries and remarks;

(9) To make the program better for you as a user by analyzing, modifying, and upgrading it;

(10) To achieve the goals specified in this Privacy Policy and the Terms of Use, we may send you automated or prerecorded emails or text messages (SMS).

(11) To keep an eye on and examine user traits and conduct, including how they make use of the program's features and any new trends that may emerge;

(12) To send you promotional materials and to let you know about special offers and discounts.

2. Even while your personal information may be used for more broad reasons, we will always ensure that it is handled securely and for the fewest possible purposes.

(1) To oversee the company's main activities;

(2) To supervise the usage of the program and offer administration, support, and improvements to its features, functionality, and user happiness;

(3) To fix any mistakes or technical problems that could occur with the program;

(4) To generate anonymized data for product development research, testing, and analysis;

(5) To identify, look into, and put an end to any illegal, forbidden, unapproved, or dishonest action;

(6) To assist us or any associated companies in commercial transactions, including mergers, acquisitions, or firm sales;

(7) To fulfill our legal obligations, validate audits, and conduct thorough investigations. Although it is one of your duties, it is not the sole one. This means responding to inquiries and instructions from law enforcement.

A SUMMARY OF THE INFORMATION WE HAVE

1. For legal purposes, we could give your personal information to affiliated businesses and other parties. We pledge to treat all parties fairly and to disclose only the absolute minimum of personal data required for the intended purpose.

(1) In any lawsuit that you, us, or any other party may be involved in that concerns the Service;

(2) while discussing finances, asset sales, reorganizations, mergers, consolidations, or selling our company to another company;

(3) when banks, collection agencies, suppliers, contractors, partners, agents, or any other business that collaborates with us or renders services have access to your personal information.

(4) when we fulfill our legal responsibilities, such as filing and reporting, answering questions, giving directions, or complying with rules and laws. One method to achieve this is to allow other companies to market, research, assess, and manufacture products or services on your behalf.

(5) Your information will only be shared with our partners if it is necessary for business administration, data processing (including marketing), or app dispatch. Make sure your name is on our mailing list in order to accomplish this. For example, your personal information may be handled and stored in another country by our main firm in your country. In compliance with our Privacy Policy and all relevant regulations, our partners have promised to treat any personal information they receive from us with care.

(6) If we learn how the App and the Service are being used, we will collect all data and delete any personal information.

(7) We will disclose your personal information if we think it is necessary to protect you or others, follow the law, or investigate any violations of the policy.

2. Before disclosing the information to others, we will remove any potential link between it and you.

3. We may nonetheless share or transfer your personal information in a manner that is forbidden by this privacy statement, even if you have given us early notice.

TRANSFER OF PERSONAL INFORMATION BETWEEN COUNTRIES

Your information may be processed, stored, used, and transferred outside of your present home when you use our services. Businesses in other countries where our consortium operates are similarly openly accessible, as are the locations of our company's employees, servers, and service suppliers.

We promise to protect personal data in accordance with the Data Protection and Privacy Act of 2019, Ugandan laws, and our privacy policy.

By signing this contract, you consent to the transmission of your personal data both locally and internationally.

SECURITY OF PERSONAL INFORMATION

Personal data will be retained for as long as required to achieve the original purpose for which it was collected or as long as allowed by law. We shall either immediately erase your personal information or ensure that it cannot be linked to you when it is no longer required for legal or commercial purposes.

IMPROVING PERSONAL DATA QUALITY AND AVAILABILITY

We reserve the right, as required by law, to reject requests to amend your personal information. This may occur if we discover that requests to view or modify the data are pointless, time-consuming, or irrelevant, or if the personal data contains references to other individuals.

YOUR OWN PERSONAL INFORMATION IS YOUR CONTROL

The personal data we collect from you may be handled, transported, or stored by other businesses. As stated in this policy, we will make every effort to guarantee that all outside service providers adhere to the privacy requirements.

YOUR PERSONAL INFORMATION IS PROTECTED BY US

Our first goal is to protect your personal information. We will take all appropriate measures to prevent loss, damage, or unauthorized use of your personal information because we are dedicated to protecting it. Additionally, we guarantee that no data will be collected, utilized, or distributed without your specific consent. Regretfully, there is no assurance that data transmitted online will be secure. We cannot guarantee that any information you provide online will be completely safe from unauthorized access or uncontrolled alterations, even with our best security measures. You must safeguard the privacy of your account information in order to guarantee the security of your password and mobile device.

DATA ERASING AND RETAINMENT

The volume, nature, sensitivity, potential harm from unauthorized use or disclosure, the reasons for processing the data, whether those purposes can be accomplished through other means, and any applicable legal, regulatory, tax, accounting, or other requirements are all taken into account when deciding on the proper retention period for personal data. Your information will be kept on file for as long as necessary to achieve the goals for which it was gathered, including fulfilling financial, legal, tax, and reporting requirements.

We discovered that:

(1) We will retain your financial information for a maximum of six years after the date of your most recent transaction, or longer if it falls within the retention term specified below, as permitted by applicable laws, including anti-money laundering obligations.

(2) Six years after the cancellation date, all pertinent data—including transactional and personal data—will be irreversibly erased. In connection with our relationship with you and/or your use of the Services, we may retain your personal information for an extended period of time if there are reasonable grounds to suspect that a lawsuit or other regulatory enforcement action is imminent, or if there is a complaint.

CHANGES TO THE PRIVACY POLICY

To make sure it conforms with relevant laws and current regulations, such as the Data Protection and Privacy Act of 2019, we will regularly review and update our privacy policy. We encourage you to regularly check our Privacy Policy to make sure you understand how we handle and safeguard your information. If you continue to use the service, get in touch with us, or visit the website or application after the changes have been made, it will be assumed that you have accepted the updated privacy statement.

ACKNOWLEDGMENT AND ACCEPTANCE

1. You confirm that you have read, understand, and agree to all of the terms of the Privacy Policy by signing it. You grant us permission to collect, use, disclose, keep, transfer, and manage your personal information by agreeing to this privacy statement.

2. You attest that before disclosing any personal information, you have obtained permission from your family, coworkers, emergency contacts, and any other parties. Additionally, you authorize us to manage, distribute, and utilize their personal information on their behalf.

3. You allow us to contact you and your emergency contact (if they have granted us permission) to collect your loan payment or to verify your details in the event that we are unable to locate you in any other manner.

4. By providing a written notification using the contact information below, you can discontinue the collection, use, or disclosure of your personal data. Additionally, you may choose not to receive certain information and messages from us by using the "unsubscribe" or "opt-out" option that is clearly shown in our communications. You acknowledge and accept that if you choose to revoke your consent, you may not be able to utilize any of the features of the application or service. We reserve the right to terminate your account and our collaboration if you revoke your consent. All rights and obligations shall be respected. If you choose to revoke your consent after we have received your request to use, collect, or share your personal information, please be mindful of the potential repercussions. You have the freedom to change your mind at any time.

CONTENT FOR PROMOTION AND ADVERTISING

1. We reserve the right to send you marketing communications via the App, mail, phone, text message, email, online chat, or push notifications in order to inform you of special offers, promotions, or activities from us, our partners, sponsors, or advertisers, or to provide you with updates on the features of our App.

2. You may withdraw your consent to receive these marketing communications at any time by clicking the "unsubscribe" link in the email or contacting us using the information supplied.

3. Please be aware that you may still get non-promotional alerts concerning loan transactions, your account, the app, and other crucial information even if you choose to unsubscribe.

WEBSITES ABOUT A PARTICULAR ISSUE

1. It is possible to combine the application and website with other websites. How these other businesses collect, use, store, disseminate, or disclose data and information is outside our control. Furthermore, we are not liable for the functionality of these websites. To learn how other websites gather and handle your personal information, you should see their terms of service and privacy policies.

2. Links to the advertiser's website may be included in the advertisements that appear on our app or website. The advertiser will collect and use any information obtained by clicking on the link in accordance with their privacy statement.

CRITERIA FOR RESPONSIBILITIES

Not included are any extra or special responsibilities that could arise from the following:

1. how much you rely on the app or how much it causes problems for you.

2. whatever agreement or collaboration you had with someone else, even if you were blissfully unaware of the potential repercussions.

3. We are not liable for any delays or issues that are beyond our control.

DIRECTIONS FOR CONTACTING US

If you would like access to your personal information or have any queries about our privacy policy, please email ughelp@sicicash.com