Cash Mates Privacy Policy

Privacy Policy ​

This Privacy Policy describes our policies and procedures for collecting, using, and disclosing your information when you use the Services, and informs you about your privacy rights and how the law protects you. If you do not agree with our policies and practices, you can choose not to use our services.

We use your personal data to provide and improve the Service. By accessing or using the Service, you consent to our collection and use of information in accordance with this Privacy Policy.

We will ask for your consent below and promise not to share this information with third parties. This specifically includes the following data:

1.Definitions ​

1.1 "Personal Information" refers to any information that can be used to identify an individual, either directly or indirectly.

1.2 "Affiliates" refers to any company or organization that is affiliated with our company.

2.Personal Information We Collect ​

2.1 Personal Information

Cashmates will collect some information from users, but all information will only be collected for the loan service.

• Your mobile phone number. Used to register for a Cashmates account and subsequent contact with you for our loan approval and recovery.

• Your personal information relating to you. Contains information such as gender, age, and income, which is used for credit scoring and to confirm access to loan products.

• Your emergency contact. You agree that Cashmates can contact emergency contacts via SMS, or the information you filled in. With the emergency contact list you provide, Cashmates can make a legitimate loan approval or loan recovery if you can not be contacted in person.

• Your collection account information. So that once the loan is approved, you will receive the loan funds promptly.

2.2 Sensitive Information

SMS

  • Why We Collect: In order to be able to accurately assess your creditworthiness, fraud risk and repayment ability, we review in detail the sender's identity, the nature of the transaction and the monetary value of each transaction for loan assessment purposes.
  • What We Collect: We only collect SMS messages related to financial and bank statements, including information about the sender of the SMS, the recipient of the SMS, the content of the SMS, and the time when the SMS was sent. Of course, we will only access your SMS if you agree to authorise it.
  • How We Deal: All data will be uploaded to Cash Mates servers (https://android.cashmates.vip ) through encrypted means, and we also promise not to share the data with any third parties.

Device Information

  • Why We Collect: To ensure that you are uniquely identified with your device information to prevent device theft or fraud, and to make your profile clearer for quick loan approval.
  • What We Collect: We collect and monitor only a portion of your device information, including operating system, IMEI number, Android version, screen size, Wi-Fi information, hardware usage information (such as battery usage), and advertising identifiers assigned by third-party service providers.
  • How We Deal: We will protect your personal information and transmit the data encrypted to our servers (https://android.cashmates.vip). We are committed to not sharing this information with any third parties.

Contact List

  • Why We Collect: In order to help you quickly enter your emergency contact details, it helps us to get in touch with you if we are unable to contact you directly. This helps us to approve loan applications and reduce credit risk.
  • What We Collect: We will only be able to access specific contact information, including contact names and mobile phone numbers, if you have given us permission to do so. To be clear, we do not have access to all of your contact information.
  • How We Deal: We transmit securely to the Cash Mates servers (https://android.cashmates.vip) and please be assured that we will never disclose this information to any third party without your express consent.

Album Pictures

  • Why We Collect: In order to be able to visualise the problems you are experiencing with the app and to help us respond quickly to your feedback and solve your problems, with the aim of providing you with a better service.
  • What We Collect: We will only access your albums if you voluntarily agree to this and will only upload specific photos of your choosing for the purpose of analysing and dealing with problems encountered when using the app.
  • How We Deal: Uploads to our servers (https://android.cashmates.vip) are encrypted to ensure your data is secure and we promise not to share data with third parties.

We pledge to transmit your personal information to our server ( https://android.cashmates.vip) in an encrypted manner. In this Privacy Policy, "Account" refers to the unique account created for you to access our service or certain parts of our service. "Application" refers to Cash Mates. "Cookies" are small files placed on your computer, mobile device, or any other device by a website containing details of your browsing history on that website. "Country" means Uganda. "Device" means any device that can access the service, such as a computer, phone, or digital tablet. "Personal Data" means any information relating to an identified or identifiable individual. "Service" refers to the application or website or both.

We use this information to provide features of our services and to improve and customize our services. This information may be uploaded to company servers and/or service provider servers, or it may simply be stored on your device. You can enable or disable access to this information at any time through your device settings.

2.3 Other Information

• Information from external sources, such as credit bureaus and customer service providers, to help us make customer verification and credit-related decisions.

3.How We Use Your Personal Information ​

3.1 Data Disclosure and Transfer ​

We may disclose or transfer your personal information under the following circumstances:

a. When Cashmates is involved in a merger, bankruptcy, acquisition, restructuring, or sale of assets, your personal information may be disclosed to a potential buyer or seller.

b. If Cashmates is acquired by a third party, customer personal data may be part of the transferred assets.

c. To comply with legal or regulatory obligations and requirements.

d. To enforce our terms and conditions, investigate breaches, report defaulters to credit agencies, or share aggregated and anonymized statistics.

3.2 Third-Party Service Collaboration ​

We may collaborate with third-party payment service providers or payment processors to:

  • Handle payments and repayments.
  • Transfer funds to your operating account or other user accounts.
  • Deliver additional products and services.

Your information may be disclosed to such service providers to facilitate these processes.

3.3 Data Sharing with External Entities ​

We may share your information with:

  • Mobile wallet providers, credit bureaus, or financial institutions when you connect to the Cashmates platform.
  • Any member of our Group, including subsidiaries and parent companies.
  • Local or international law enforcement agencies, regulators, or government bodies when required for crime or fraud prevention, detection, or investigation.

3.4 Use of Collected Information ​

We utilize your information to:

  • Personalize your experience by recommending content and products tailored to your interests.
  • Improve our website and application for better service delivery.
  • Enhance customer service responsiveness.
  • Manage contests, promotions, surveys, or special events.
  • Request product or service reviews.
  • Provide follow-up support for live chats, emails, or phone inquiries.

3.5 Service Enhancement and Fraud Prevention ​

We use your data to:

  • Power and improve our services.
  • Analyze usage patterns and optimize performance.
  • Communicate updates about your services, applications, or products.
  • Promote and advertise our offerings.
  • Detect and prevent fraudulent activities.
  • Conduct research and compile anonymous user statistics.

3.6 Information for Account Management ​

To provide products and manage your account, we require the following types of information:

  • Contact and Identity Information: Including communication records with us.
  • Financial Information: Such as payment and transaction details.
  • Communication Preferences: Emails, web chats, and phone call records.
  • Device Data: Cookies from your connected devices for service delivery.

3.7 Website Traffic Analysis ​

We may use third-party companies to analyze website traffic. These companies might store customer data, but we maintain strict controls to ensure your personal information is adequately protected.

3.8 Legal and Compliance Requirements ​

Your personal information may be disclosed in compliance with legal or regulatory obligations. This includes sharing data with local or international law enforcement agencies for crime or fraud prevention and investigation.

3.9 Data Protection in Mergers and Acquisitions ​

In the event of mergers, acquisitions, or restructuring, your personal data may be part of the transferred assets. We ensure that all such transfers comply with applicable data protection laws.

3.10 Data Usage for Communication and Billing ​

We use your information to:

  • Record the details of products and services you use.
  • Send notifications regarding your orders or service changes.
  • Enable the creation and login of your online accounts.
  • Process payments and ensure successful transactions.
  • Share necessary information with other service providers involved in your orders.

By maintaining a structured and layered approach, we ensure your data is used responsibly to enhance services and meet compliance requirements.

4.How we share, transfer and publicly disclose your personal information ​

4.1 Regulatory and Government Authorities ​

We may disclose your information to regulatory bodies or government authorities, including but not limited to the Bureau of Internal Revenue, the National Bureau of Investigation, and the Office of the Ombudsman, whether domestically or internationally, as required by law or upon official request.

4.2 Credit Bureaus and Fraud Prevention ​

We may share your information with credit bureaus or similar organizations that operate centralized application matching services. These entities collect data to prevent and detect fraud. Additionally, we may provide information to third parties to assist them in evaluating whether to extend credit, offer payment terms, or engage in other business activities with you.

4.3 Business Transactions ​

In the event of a sale or transfer (or negotiations for such) of our business, rights, or obligations under agreements with you, we may share your information with prospective buyers or transferees. Should the transaction be completed, the acquiring entity may use your personal data in accordance with the same terms as outlined in our policies.

4.4 Operational Partners and Service Providers ​

We may disclose your information to entities or individuals who assist us in operating our lending business, including collecting payments, recovering debts, or delivering services on our behalf.

4.5 Product and Service Transactions ​

Your information may be shared with entities or individuals that provide products or services to us or that receive products or services from us in the course of our business operations.

4.6 Payment Systems ​

We may share your information with any payment systems or platforms we utilize to facilitate transactions.

4.7 Legal Guardians or Representatives ​

In cases where evidence is presented that you are unable to manage your affairs due to mental incapacity or similar conditions, we may disclose your information to individuals reasonably believed to be your legal guardian, caregiver, or appointed representative.

4.8 Anti-Terrorism and Security Measures ​

We may share your information with relevant authorities, including those outside Uganda, for the purposes of preventing, detecting, or investigating activities related to terrorism or other security threats.

This structured approach ensures that data sharing complies with legal obligations, enhances operational efficiency, and maintains transparency.

5.Cross-Border Transfer of Personal Information ​

Your Personal Information may be transferred to, stored, used and processed in a jurisdiction other than your home nation or otherwise in the country, state and city in which you are present while using any Service provided by us (“Alternate Country”), to companies Cashmates under Our group which are located outside of your home nation or Alternate Country and/or where Our Cashmates group’s servers and/or service providers and partners are located outside of your home nation or Alternate Country.

In such a case, we shall ensure that such personal information remains subject to a level of protection comparable to what is required under the Uganda Laws (and, in any event, in line with our commitments in this Privacy Policy).

You understand and hereby consent to the transfer of your Personal Information out of your home nation or Alternate Country as described herein.

6.Personal Information Retention ​

We will retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law.

7.Access and Correction of Personal Information ​

You have the right to access, update, or correct your personal information. Please contact us to make such requests.

8. Where We Store Your Personal Information ​

8.1 Storage and Processing by Third-Party Service Providers ​

The personal information we collect from you may be stored, transferred, or processed by third-party service providers. We make every reasonable effort to ensure that these third-party service providers maintain a level of data protection comparable to the standards outlined in this Privacy Policy.

8.2 International Storage and Processing ​

Your personal information may be stored or processed outside your home country by our personnel located in other countries or by our third-party service providers, suppliers, contractors, or affiliates, to the extent permitted by applicable laws. In such cases, we ensure that your personal information is subject to protections comparable to those required under your local laws and remains aligned with the commitments outlined in this Privacy Policy.

9. Security of Your Personal Information ​

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, use, disclosure, alteration, or destruction. These measures are regularly reviewed and updated to ensure the highest levels of data security.

10. Changes to This Privacy Policy ​

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be communicated to you by posting the updated Privacy Policy on our App. We encourage you to review the Privacy Policy periodically to remain informed about how we protect your personal information.

11. Language ​

This Privacy Policy is drafted in English. In the event of any discrepancies or inconsistencies between the English version and any translated versions, the English version shall prevail.

12. Confirmation and Consent ​

By using our App, you confirm that you have read, understood, and agreed to the terms of this Privacy Policy. You explicitly consent to the collection, use, and disclosure of your personal information as described herein.

13. Marketing and Promotional Materials ​

By providing your personal information, you acknowledge and consent to receiving marketing and promotional materials from us and our affiliated entities. You may opt out of receiving such materials at any time by following the instructions provided in our communications.

14. Third-Party Websites ​

14.1 Links to External Websites ​

The App and Website may include links to websites operated by third parties. We do not control, nor do we assume any responsibility or liability for, the data collection, use, maintenance, sharing, or disclosure practices of these third-party websites. We recommend reviewing the terms, conditions, and privacy policies of these external websites to understand how they handle your personal information.

14.2 Advertiser Links ​

Advertisements displayed on our App or Website may redirect you to the advertiser’s website. Any personal information collected as a result of your interaction with these advertisements will be governed by the advertiser’s privacy policy. Please review their policies to understand how your information will be used.

15.Liability and Limitation ​

Our liability for any breach of this Privacy Policy is limited to the extent permitted by law.

16.How to Contact Us ​

Our services are only available to users over the age of 18. If you become aware that your child or guardian has provided us with any information without your consent, please contact us immediately to take action.

For any inquiries or concerns, feel free to contact us at support@cashmates.vip

Company Name: Teravik Cash Point (U) – SMC Limited

Customer Service: 0707218566