1. Introduction

At Jumypay, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan services. Please read this policy carefully. By using our services, you consent to the practices described in this policy.

2. Information We Collect

2.1 Personal Information

When you apply for a loan, we collect:

• Identity Information: Full name, date of birth, nationality, government-issued ID number (National ID, Passport, Driver's License)
• Contact Information: Phone number, WhatsApp number, email address, physical address
• Financial Information: Income details, occupation, bank account information, mobile money account details
• Collateral Information: Details about assets offered as collateral (land titles, vehicle papers, etc.)
• Employment Information: Occupation, employer details, proof of income

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent
• Referring website addresses
• Cookies and similar technologies

3. How We Use Your Information

We use your information for the following purposes:

Purpose	Legal Basis
Process your loan application	Contract performance
Verify your identity and collateral	Legal obligation
Communicate about your loan	Contract performance
Send payment reminders	Legitimate interest
Improve our services	Legitimate interest
Comply with legal requirements	Legal obligation
Prevent fraud	Legitimate interest

4. Information Sharing and Disclosure

We may share your information with:

4.1 Partners and Service Providers

• G-Spirit Loan Solution: Our trusted partner for loan processing and collateral verification
• Payment processors: For fund disbursement and payment collection
• Verification services: To verify your identity and collateral
• Legal and accounting services: As needed for business operations

4.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

4.4 With Your Consent

We may share your information for other purposes with your explicit consent.

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure servers and firewalls
• Access controls and authentication
• Regular security assessments
• Staff training on data protection

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to:

• Provide you with services
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

Generally, we retain loan application data for 5 years after the loan is fully repaid or 3 years after a rejected application.

7. Your Rights

Under Cameroonian data protection law, you have the right to:

1. Access: Request a copy of your personal information
2. Rectification: Correct inaccurate or incomplete information
3. Erasure: Request deletion of your information (subject to legal obligations)
4. Restriction: Limit how we use your information
5. Objection: Object to certain types of processing
6. Portability: Receive your information in a structured format

To exercise these rights, contact us at privacy@jumypay.com or via WhatsApp at +237 678 379 538.

8. Cookies and Tracking

Our website uses cookies to:

• Remember your preferences
• Analyze site traffic and usage
• Improve user experience
• Serve relevant advertisements

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites (e.g., Facebook). We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies.

10. Children's Privacy

Our services are not intended for individuals under 21. We do not knowingly collect information from minors. If you believe a minor has provided us with information, please contact us.

11. International Data Transfers

Your information may be transferred to and processed in countries other than Cameroon. We ensure appropriate safeguards are in place for such transfers.

12. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting the new policy on our website and updating the "Last Updated" date. Continued use of our services constitutes acceptance of the updated policy.

13. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer:

• Phone: +237 678 379 538
• WhatsApp: +237 678 379 538
• Email: privacy@jumypay.com
• Address: Yaoundé, Cameroon

14. Complaints

If you believe we have violated your privacy rights, you have the right to lodge a complaint with the Cameroonian data protection authority. We encourage you to contact us first so we can resolve your concern.