Privacy Policy

Who We Are

Fahari Loan is a product owned and operated by Sonismarts Digital Agency. Sonismarts Digital Agency is a registered data collector and data processor with the Personal Data Protection Commission (PDPC) of Tanzania under Certificate Number 0-000-010-752, in accordance with the Personal Data Protection Act, 2022. We collect and process personal data in compliance with the Act and the regulations made under it.

1. Information We Collect

We collect the following types of information:

• Account Information: Name, email address, phone number, and password when you create an account.
• Business Data: Borrower information, loan details, repayment records, and financial data you enter into the platform.
• Usage Data: Pages visited, features used, and how you interact with the Service.
• Device Information: Browser type, operating system, and device identifiers.

2. How We Use Your Information

• Provide, maintain, and improve the Service.
• Authenticate your identity and secure your account.
• Process and store your financial management data.
• Send important notifications about your account and the Service.
• Detect, prevent, and address technical issues and security threats.

3. Data Storage & Security

Your data is stored securely on enterprise-grade cloud infrastructure, which provides:

• Encryption at rest and in transit (TLS/SSL).
• Access controls and authentication requirements.
• Regular security audits and compliance certifications.
• Data isolation — your data is accessible only to your authenticated account.

4. Data Sharing

We do not sell, rent, or share your data with third parties, except:

• Legal Requirements: When required by law or valid legal processes.
• Safety: To protect the safety, rights, or property of Fahari Loan, users, or the public.

5. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. Financial records may be retained for a minimum period required by applicable regulations. You may request deletion of your account and associated data by contacting us.

6. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Correct inaccurate or incomplete data.
• Delete your account and associated data.
• Export your data in a portable format.
• Withdraw consent for data processing at any time.

To exercise any of these rights, contact us at privacy@fahariloan.co.tz. You also have the right to lodge a complaint with the Personal Data Protection Commission (PDPC) of Tanzania if you believe your personal data has been processed unlawfully.

7. Cookies

We use essential cookies for authentication and session management. These are required for the Service to function and cannot be disabled. We do not use tracking or advertising cookies.

8. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you by updating the “Last updated” date. We encourage you to review this policy regularly.