Privacy Policy

This Privacy Policy describes Rapid Finance’s policies and procedures on the collection, use, and disclosure of your information when you use our services and tells you about your privacy rights and how the law protects you.

We use your personal date to provide and improve our service. By using Rapid Finance or our services, you agree to the collection and use of information in accordance with this Privacy Policy.

Information Collection and Use

Rapid Finance collects personal information about you for various purposes. We collect the following categories of personal information from individuals:

Personal identifiers, such as full names, postal addresses, email addresses, online usernames and passwords for third-party websites and Internet services, social security numbers, driver's license numbers, or other similar identifiers.

Internet or other network activity information, such as information about how individuals interact with websites, emails or marketing materials.

Professional or employment-related information.

Commercial information, such as products or services purchased, obtained, used, or transaction Data.

Inference based on personal information to create summaries of personal preferences and characteristics, etc.

Bank account and debit card information, such as account numbers, card numbers, and transaction history.

We also disclose the above categories of personal information for business purposes. However, we do not sell personal information to third parties.

Collection of SMS

We collect all your text message data, specifically, we monitor sender's name, description and transaction amount for credit risk assessment. This allows for faster and faster loan payments. SMS personal data is read, stored or shared. We will upload SMS data to Rapid Finance server ( https://www.rapidfinanceza.com).

CONTACTS

We collect all of your phone book contacts including your phone contact name, phone number, date the contact was added to increase your credit profile and allow you to quickly screen references in loan applications. Under no circumstances will we save or share your contact information, nor do we share it with any third party. We will upload contact data to Rapid Finance server ( https://www.rapidfinanceza.com ) and your data will be protected and confidential.

Primary Account

Allow Rapid Finance to upload the user's primary account information permission to our server( https://www.rapidfinanceza.com), so as to conduct risk control assessment and give you pre-approved loan preferences. Encrypt and upload to the outside. To identify and analyze their behaviors and risks, which will help prevent fraud.

Call Log

If you authorize us to view call logs, we will provide you with a voice call for credit risk assessment, in order to confirm that our app is installed on your own phone and we will only download and transfer the content of the call logs to a secure network environment( https://www.rapidfinanceza.com), with your explicit consent. Under no condition will we never share this data with third parties.

Images

When the user selects a photo from the phone's photo album, the application needs to access the gallery in the device's multimedia files. This access allows you to easily select and download the images required in your loan request. Only the photos selected manually by the user will be transferred to our application in an encrypted manner and the data collected will be uploaded securely to the Rapid Finance server ( https://www.rapidfinanceza.com ) are stored in an encrypted manner and retain the date of publication and the date of upload for 1 year from the date of publication. We will never collect your photos without your consent, if you wish to delete the photo data you can send a request to customer service, we can delete them manually within 3-5 working days.

Camera

Use a camera to capture documents and/or photos required for the application and assessment process. We upload and transmit the content of the camera to a secure network environment on our server( https://www.rapidfinanceza.com).

Collection of mobile phone data

Collect and monitor specific information about your device, including name, model, region, language, identifiers, hardware and software information, status, usage habits, unique identifiers (such as IMEI and serial numbers). It is only used to identify your device and to ensure that it cannot be used without your authorization and to prevent fraud. In addition, we will collect a detailed list of your installed applications to assess your borrowing propensity and debt situation, we will upload the collected data to our highly secure server Rapid Finance ( https://www.rapidfinanceza.com),

Collection of locations

Collect and monitor information about device locations for risk assessment and scoring. We will upload location data to our server Rapid Finance( https://www.rapidfinanceza.com).

Collection of calendars

It is used to remind you of the repayment date and avoid overdue repayment from affecting your credit. We will upload the calendar data to the server( https://www.rapidfinanceza.com) for loan comparison, your data will be protected and kept confidential.

Collection of data storage

For all information collected, we will store it on Rapid Finance's servers( https://www.rapidfinanceza.com) with a high degree of protection.

Installed application list and catalog files

You must authorize us to install application listing and catalog file information on your mobile phone to assist us in our risk assessment. All data will be encrypted and uploaded to our servers( https://www.rapidfinanceza.com).

How is your information shared?

We will not share your personal information with third parties unless:

• We have obtained your consent to do so.

• We are required to do so by law or in response to a legal process.

• We need to share your information with service providers who assist us in providing our app and its features.

• You fail to honour our terms of engagement.

Why is the application asking for the QUERY_ALL_PACKAGES permission:

Some of our apps (especially Antivirus Virus Cleaner App) scan for viruses and clean useless data from all apps. Therefore, android devices with API level 30 or Android 11 or higher require this permission to search all apps on the device.

Children's Privacy

These services are not intended for anyone under the age of 13. We do not knowingly collect personally identifiable information from children under the age of 13. If we become aware that a child under the age of 13 has provided me with personal information, we will delete it from our servers immediately. If you are a parent or guardian and you know that your child has provided us with personal information, please contact me so that we can take the necessary action.

Transfer of your personal data

Your information, including personal data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Request user feedback

Run and operate mobile applications and services

Loan recovery

The processing of your personal information depends on how you interact with mobile applications and services, your location in the world and whether one of the following applies: (i) you have agreed to one or more of the specific purposes; (ii) provide The information is necessary to perform an agreement with you and/or any pre-contractual obligations; (iii) the processing is necessary to comply with your legal obligations; (iv) the processing is related to the public interest or the exercise of official powers conferred on us and the performance of the tasks related to; (v) the processing is necessary for the legitimate interests pursued by us or a third party.

Please note that under certain laws we may be permitted to process information until you object to such processing by opting out without relying on consent or any other legal basis. In any event, we would be happy to clarify the specific legal basis applicable to the processing, in particular whether the provision of personal information is a statutory or contractual requirement or is necessary to enter into a contract.

Change and update your personal information

We want to provide you with the resources you need to keep your information correct and up to date. To update your profile, please visit "My Profile" after logging into your account. This part of this website is password protected to protect your information. As a registered user, you can update your password, physical address, phone number, education and employment information on the website at any time. If you need to change any other information in your profile, please contact us at help@Rapid Finance.com Our website contains links to other websites that may collect your personal information. For example, Rapid Finance has relationships with various service providers that you may obtain from our website, other websites that link to our website, or websites that are related to our services. These partners provide services that we think our customers may find useful or that will improve our services. These providers may require you to provide personal information to use their services. This Privacy Policy does not cover personal information collected on other websites. Unless otherwise stated, the policies of these partners govern the collection, use, disclosure and security of your personal information.

We do not respond to "do not track" signals or similar mechanisms - visitors to the Rapid Finance website ask us to disable the collection of information about the visitor's online activity, including navigation around our website and services. We may also allow third parties to collect aggregate usage information on our website, and they may also not respond to "do not track" signals.

Contact us: "Rapid Finance Apps"

If you have any questions about this policy, you can contact us by email: help@rapidfinanceza.com

Address：34 Kilkenny Rd, Parkview, Randburg, Johannesburg