JourneyFin

Privacy Policy – JourneyFin

1. Introduction

This Privacy Policy outlines how JourneyFin collects, processes, shares, and protects your personal information. By using our services, you consent to the collection and processing of your data for legitimate business purposes, such as credit risk assessment and loan approval.

We are committed to safeguarding your privacy and ensuring that your information is handled securely and in full compliance with applicable laws and regulations.

 

2. Information We Collect

To provide and enhance our services, we collect the following types of personal information:

2.1 Information Provided by You

  • Registration Data: Your name, phone number, email address, date of birth, and government-issued ID.
  • Financial Information: Details of your mobile money account, bank account, and credit history.
  • Employment & Income Details: Information about your job status, employer, and proof of income.

2.2 Information Collected Automatically

  • Usage Data: Interaction logs, transaction history, and loan application details.

 

3. Specific Permissions and Their Purpose

3.1 SMS Data Collection

  • Purpose: We collect SMS data related to financial transactions (e.g., bank alerts, loan notifications) to assess your creditworthiness.
  • Data Security: We do not access personal messages or store SMS content unrelated to financial transactions.
  • Storage & Deletion: The collected SMS data is securely uploaded to https://www.journeyfin.cc/ and deleted after processing.
  • User Control: While this permission is optional, denying it may restrict access to certain financial services.

3.2 Call Log Collection

  • Purpose: Call logs help to verify your phone number by checking call logs. This confirms you received the verification call for secure account setup.
  • Storage & Deletion: Data is securely uploaded to https://www.journeyfin.cc/ and deleted once verification is complete.

3.3 Contact List Collection

  • Purpose: We access only 2 emergency contacts user chooses, for verification & fraud prevention.
  • Storage & Deletion: The collected data is securely uploaded to https://www.journeyfin.cc/ and deleted after use.

3.4 Calendar Access

  • Purpose: To enable users to set loan repayment reminders.
  • Storage & Deletion: The collected data is securely uploaded to https://www.journeyfin.cc/ and deleted after use.
  • User Control: Users can enable or disable this permission at any time in their device settings.

3.5 Installed Applications Data

  • Purpose: We collect metadata of installed apps to detect potential malware and assess financial behavior. The collected data includes app name, package name, installation date, and version.
  • Storage & Deletion: The collected data is securely uploaded to https://www.journeyfin.cc/ and deleted after use.
  • User Control: This data is strictly used for fraud detection and credit assessment.

3.6 Camera & Media Access

  • Purpose: To capture identity verification documents as part of our Know Your Customer (KYC) compliance process.
  • Data Security: All images and documents are encrypted and stored securely.

3.7 Photos & Videos

  • Purpose: To comply with local legal requirements, we must collect and process personal identification information, including photos and videos, as part of our Know Your Customer (KYC) procedures. This ensures that we can verify our users' identities, secure transactions, and prevent fraud. All collected data will be treated with the utmost confidentiality and stored securely, accessible only to authorized personnel. We are fully committed to protecting your privacy and will handle all personal data in accordance with applicable privacy laws and regulations.
  • Storage & Deletion: The collected data is securely uploaded to https://www.journeyfin.cc/ and deleted after verification.

3.8 Phone Number

  • Purpose: In order to uniquely identify you, we collect your phone number, email address when you sign in. This helps us ensure that no unauthorized device or person is acting on your behalf.
  • Storage & Deletion: The collected data is securely uploaded to https://www.journeyfin.cc/ and deleted after verification.

 

4. How We Use Your Information

Your personal data is processed for the following purposes:

  1. Identity Verification: To confirm your identity and assess creditworthiness.
  2. Loan Processing: To facilitate loan applications and disburse funds.
  3. Regulatory Compliance: To comply with legal and regulatory requirements.
  4. Fraud Prevention: To enhance security and prevent fraudulent activities.
  5. Service Updates: To send important notifications and account-related updates.

 

5. Data Sharing & Third-Party Disclosure

We do not sell or share your personal information with unauthorized third parties. However, we may share your data with the following entities when required:

  • Regulatory Authorities: If required by law, we may disclose your information to government agencies, tax authorities, or law enforcement.
  • Credit Bureaus: To evaluate creditworthiness and report repayment behavior.
  • Service Providers: Secure third-party partners that assist with cloud storage, fraud detection, and payment processing.
  • Affiliated Financial Institutions: For loan evaluation and risk management purposes.

 

6. Data Storage & Security

  • Encryption: All data is secured using 255-bit SSL encryption to ensure safe transmission and storage.
  • Data Retention: We retain personal data only as long as necessary for business and regulatory purposes. Upon account deletion requests, we remove data in line with legal guidelines.

 

7. User Rights & Consent Management

As a user, you have the following rights concerning your personal data:

  • Right to Access: Request a copy of the personal data we hold about you.
  • Right to Correction: Update or modify your personal information.
  • Right to Deletion: Request data deletion by contacting our support team at help@journeyfin.cc.
  • Right to Withdraw Consent: Adjust permissions in your device settings or contact us to limit data processing.

 

8. Changes to This Policy

This Privacy Policy may be updated periodically. Any changes will be communicated via app notifications or email. Continued use of our services implies acceptance of the revised terms.