Getbamba.com Ltd. and its affiliated organizations' privacy policy

Getbamba.com Limited and all of its affiliated companies are dedicated to safeguarding and upholding your privacy.

Scope of the policy

1. The Bamba mobile application software (App), which is accessible on our website OR hosted on the Google Play Store (App Site), once you have downloaded or streamed a copy of the App onto your mobile phone or handheld device, is subject to the terms and conditions stated here and any additional terms of use (Device).

2. Any of the services (Services) available through the App, on the App Site, on any of our other websites, or on any other third-party sites (Service Sites).

For further information on our policies and procedures surrounding your personal data and how we will handle it, please read the following carefully.

You certify that you have read, comprehended, and agree the terms of this Policy by downloading the App. Also, you agree that your personal information will be gathered, used, stored, processed, and disclosed in line with this Policy.

A. Data that we could obtain from you

We may gather and use the information below about you.

i. Personal information you voluntarily provide to us

This may include information:

provided by contacting us (for example, by email or chat),

filling out forms in the App or on the App Site (collectively, Our Sites),

downloading or registering the App, subscribing to any of our Services (such as applying for a loan), looking for an app or Service, sharing data via the App's social media features, participating in a competition, promotion, or survey, and reporting a problem with the App, our Services, or Our Sites.

This information may include your name, address, email address, national ID, passport and phone number, as well as the phone number for the Device, SIM card information, your age, username, password, and other registration information. It may also include financial and credit information (such as the specifics of your bank account, mobile money account, and, if applicable, bank verification number), a personal description, and a picture.

ii. Information about you and your device that we gather

When you access one of our websites or use one of our applications, we may automatically gather the following data:

technical data, such as the kind of mobile device you use, special device identifiers (like your device's IMEI or serial number), details about the SIM card it is using, information about the mobile network, the operating system and browser you are using on your device, or the location and time zone settings of your device (Device Information);

information kept on your device, such as call and SMS logs, SMS and Facebook friends lists, images, videos, and other digital content (collectively, "Content Information");

data obtained through any other third-party applications you may have used on the device or the service sites;

information about how you used any of our apps or visited any of our service sites, such as traffic data, location data, weblogs, and other communication data, but not limited to (Log Information).

Bamba collects data of your phone, such as installed applications to provide a segmented risk profile, generate an aggregated statistical information to assess your creditworthiness, better evaluate your loan application and calculate a more accurate credit score. To protect your identity, we remove all personal identifiers (if any) and pseudonymised such information. Any metadata processed in this way cannot be used to reproduce the original data collected. Collected data is shared with Credolab Pte Ltd (https://www.credolab.com/privacy-policies/gdpr-privacy-policy).

iii. Information about the location

In order to pinpoint your current location, we might potentially employ GPS technology OR another location service. By signing out and deleting the App from your Device, you can withdraw your permission to our collection, processing, or use of this information at any time.

iv. 3rd Party Data partners

The app does use third-party services that declare their Terms and Conditions.

Third-party service providers used by the app

v. Special application IDs.

This number and details about your installation, including the type of operating system, may be provided to us when you install or remove a service that has a special application number, or when a service like that seeks for automatic updates.

vi. Data from third-party social media.

We may collect Personal data that is already linked to your account with a Third-Party Social Media Service, such as your name, email address, activities, or contact list linked to that account, should you choose to register through or otherwise grant us access to a Third-Party Social Media Service, like Facebook or Whatsapp.
With your account on a Third-Party Social Media Service, you could also have the choice to share more information with the Company. You authorize the Company to use, share, and keep the information and Personal Data you choose to submit, whether at registration or in another way, in accordance with this Privacy Policy.

B. Secure Data Handling Procedures for Personal and Sensitive User Data

At GetBamba.com, we take the privacy and security of our users' personal and sensitive data very seriously. We have implemented robust data handling procedures to ensure that all user data collected and processed through our Google Play Store app is treated with the utmost care and protection. This section outlines the key measures we employ to safeguard your data:

Data Encryption: All personal and sensitive user data transmitted between the app and our servers is encrypted using industry-standard protocols. This encryption helps prevent unauthorized access and ensures that data remains confidential during transmission.
Limited Data Collection: We only collect and store the minimum amount of user data necessary to provide our app's core functionalities. Any additional data collected is strictly on an opt-in basis, and users have full control over their consent preferences.
Secure Data Storage: Any personal or sensitive user data stored on our servers is maintained in a secure environment with access controls and restricted permissions. We regularly assess our data storage infrastructure to identify and address potential vulnerabilities.
Access Control: Access to user data is strictly limited to authorized personnel with a need-to-know basis. Our employees and trusted service providers are bound by confidentiality agreements and follow strict data handling guidelines.
Regular Security Audits: We conduct periodic security audits and assessments to identify and address potential security risks. This helps us maintain a high level of data security and make improvements where necessary.
Data Anonymization and Aggregation: Whenever possible, we anonymize or aggregate user data to ensure that individual identities are not readily identifiable. This practice helps protect user privacy while still allowing us to analyze trends and improve our services.
Third-Party Partners: In cases where we work with third-party partners or service providers, we carefully select reputable entities with strong privacy and security practices. We ensure that they comply with industry standards and legal requirements for data protection.
Data Breach Response: Despite our best efforts, no system is entirely immune to potential breaches. In the event of a data breach that may affect your personal data, we will promptly notify you and take all necessary actions to mitigate the impact.

By using our app, you consent to the collection, processing, and storage of your personal and sensitive data as described in this Privacy Policy. If you have any questions or concerns regarding data security or privacy, please contact us at help@getbamba.com.

Please note that our privacy practices may be subject to periodic updates as technology and regulations evolve. We recommend reviewing this Privacy Policy regularly to stay informed about any changes that may affect your data.

C. Cookies and tracking

For the purpose of separating you from other users of the App, App Site, or Service Sites, we might utilize website cookies or mobile tracking technologies. This enables us to make the App and Our Service Sites better while also ensuring that you have a positive experience when using it or browsing any of the Service Sites.

D. Uses made of the information

Any category of information may be combined with any other category of information, and for as long as it is combined, we shall regard the combined information as personal data in line with this Policy.

We will use the data we collect to decide whether or not to lend to a customer, how much to lend them, and the terms and circumstances that will apply to that loan.

We do not disclose information about specific individuals to third parties unless required to do so by a court order, an arbitral panel decision, a tribunal decision, a regulatory directive or order, or another legal or regulatory requirement, but we may give them anonymous aggregate data about our users instead (for example, we may inform them that 500 men aged under 30 have applied for a loan on any given day).

E. Disclosure of your information

Credit reference bureaus may receive all or part of the information we gather from you when you download or use the App.

Any member of our group, which includes our affiliates, subsidiaries, parent company, and subsidiaries, may receive access to your personal information from us.

We might provide third parties with your personal information:

if Getbamba.com Ltd or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets; in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
if we must divulge or reveal your personal information to meet any obligation or request imposed by law or regulation; and/or
to: publish statistics regarding the usage of the App, in which case all information will be aggregated and made anonymous; to enforce our Terms and Conditions and other agreements; to look into possible violations; to report defaulters to any credit bureau.

F. Locations of Our Data Storage

We reserve the right to transfer and store your data outside of the country in which you were born or currently reside (as applicable). Additionally, it might be handled by personnel who work for us or one of our suppliers and are based outside of your place of birth or residence (as appropriate). These employees can be working on completing your requests on the service sites. You consent to the collecting, transfer, storing, or processing of your personal data in the ways described above by providing your personal data. We will make every effort to handle, store, and process your data in a secure manner and in compliance with this privacy policy.

You are in charge of maintaining the confidentiality of any passwords we have given you (or that you have chosen) in order to access particular areas of Our Service Sites. We kindly ask you not to divulge your password to anyone. Sadly, internet-based information transfer is not entirely secure. Despite our best efforts, we cannot ensure the security of your personal information transferred to Our Service Sites; any transmission is done at your own risk. Once we obtain your information, we will endeavor to prevent unauthorized access by following tight protocols and utilizing security features.

G. Data retention and deletion policy

At getbamba.com, we are committed to adhering to responsible data retention practices to protect the privacy of our users. This policy outlines the guidelines we follow regarding the retention and deletion of user data:

Data Retention Period: We retain user data only for as long as it is necessary to fulfill the purposes outlined in this Privacy Policy and to comply with applicable legal and regulatory requirements. The retention period may vary depending on the type of data and its intended use.
User Consent: Any data collected and processed through our app is done with the user's explicit consent. Users have the right to withdraw their consent at any time. If a user chooses to withdraw consent, we will stop processing their data for the purposes stated, and their data will be subject to deletion as described below.
Deletion of User Data: Upon expiration of the data retention period or upon receiving a user's request to delete their data, we will securely delete or anonymize the user's personal and sensitive data from our systems. Deletion will be carried out in a manner that prevents unauthorized access or accidental loss of data.
Data Backup: In some cases, data may remain in our backup systems for a limited period due to technical reasons or legal obligations. However, this data will not be actively processed or used in any way, and it will be deleted in due course as backups are routinely refreshed.
Data Deletion on App Uninstallation: For data collected and stored locally on a user's device, such as cache or settings, uninstalling the app will remove this data from the device automatically.
Data Deletion Requests: If you wish to request the deletion of your personal data from our systems, please contact us at [Your Contact Information]. We will promptly respond to your request and take the necessary steps to delete your data, subject to any legal obligations that may require its retention.
Non-Personal and Aggregated Data: Please note that non-personal and aggregated data that no longer identifies an individual may be retained and used for analytical purposes, research, and improvement of our services. This data does not infringe on user privacy.
Modifications to Data Retention Policy: We reserve the right to modify our data retention and deletion policy from time to time. If there are any substantial changes to this policy, we will inform users through appropriate means, such as app notifications or updates to this Privacy Policy.

H. Leak of Google API

I shall abide by the Limited Use rules and the Google API Services User Data Policy when using data obtained from Google APIs.

I. Your rights

We may share this information with any third party for such purposes, given that it is always anonymous, and we will use your data to compile statistics about our user base or loan portfolio.

We will let you know in advance if we plan to use your information for marketing. You have the right to stop such use by notifying us that you do not want to share the information within 10 days of learning about the proposed use.

By emailing us at help@getbamba.com at any time, you can also make use of this right.

Contact us at help@getbamba.com if you want to remove the personal information that Bamba obtained through the Facebook platform.

J. Privacy policy modifications

If we decide to update this policy in the future, we'll post the updated version here and, if necessary, let you know when you next launch the App or log into one of the service sites. To continue using the App or the Services, you might be asked to read and accept the revised terms, which could be presented on-screen. In any case, by using the App or any Services after such modifications have been posted, you affirm that you have read, understand, and agree to the terms of this Policy as well as any amendments thereto.

Please contact help@getbamba.com with any inquiries you may have about this privacy policy.