We are committed to protecting your personal information and being transparent about how we collect, use, and share your data.
Credify Africa is provides supply chain financial and logistical solutions to business through direct engagement as well as through online platforms. All information by Credify is treated as confidential and not to be disclosed to third parties unless save as permitted by law or as described below. This policy sets out how Credify collects, stores, handles, and processes data of its customers and website site visitors.
It is intended to help you make an informed decision before you start to navigate our site.
Broadly, we collect information regarding the following and all information associated therewith, relative or relevant thereto; Identity, Contacts, Financial, transaction, marketing and communications, profiles, technical, usage and precise and Approximate Location Data (collected specifically by the "Credify Driver Tracker" mobile application).. Our website may be used to initiate and complete loan applications. We will collect information provided by you that is required by us and Lender Partners to process each application (collectively, "Loan Application Information"). We will use Loan Application Information to evaluate, process, and underwrite the application on behalf of our lender partners. We will also retain and use Loan Application Information, including to establish and administer loan accounts, for fraud protection, and to satisfy certain regulatory requirements. Except where prohibited by law, we may use the email, physical address, and phone number provided in the Loan Application Information to deliver marketing communications to you via email or direct mail or to contact you for information about your experience with our website, products, and services.
When we send marketing communications via email, we provide unsubscribe options within our emails so that you can opt-out of receiving future marketing communications via email. Even if you opt-out of receiving marketing communications by email, we may still use the email address to send transactional information related to an application or a loan. You may opt-out of receiving marketing or user-experience related phone calls by contacting us at the address provided herein.
We may use or provide to third parties certain Loan Application Information for analysis purposes. For example, we may use such Loan Application Information to analyze the effectiveness of loan solicitations or underwriting. Loan Application Information used or shared in this manner will not contain your personally identifiable information.
We may provide to third parties certain Loan Application Information for product or service offerings. For example, we may use such Loan Application Information to identify pertinent financial products and share the Information with existing and future lender partners with whom we have contractual arrangements to offer such products. In all cases, our collection, use and disclosure of Loan Application Information will be in accordance with this Privacy Policy, and the requirements of applicable law.
We collect information about you in a number of ways including through:
You may provide us with Identity, Contact, Employment & Education, Financial, Marketing and Communications Data through any applications you make to us or through communications with us; whether by post, phone, email, through our website or otherwise. This includes: product applications, creating accounts, filling in contact us forms, providing feedback, job applications, telephone queries or completing surveys. It also includes ID documents including passports, driving licences and utility bills you provide to us.
As you interact with our website we may automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal information by using server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies or by interacting with us through third party platforms such as Twitter, Facebook, LinkedIn and You Tube.
We may receive personal information about you from various third parties and publicly available sources including: (i) Contact, Financial and Transaction Data from sources such as lawyers, accountants, banks, analytics businesses who have access to your Financial Data Credit Reference Agencies, Account Information Service Providers and credit reference agencies based inside Uganda and other countries in which we operate; (ii) Technical Data from analytics providers such as Google based outside the EEA; (iii) Identity and Contact Data from publicly available sources such as Companies Registry, the Land Registry and the Electoral Register and (iv) Identity, Contact and Employment & Education Data from recruitment agencies or previous employers.
This application does not collect continuous real-time precise or approximate location data from your device for tracking purposes. if location information is collected (e.g., for address input), it is limited to user-provided data or location permissions granted only for specific, in-app actions (e.g., finding nearby delivery points) and is not continuously tracked in the background.
When you use the Credify Africa Driver mobile application, we collect precise and/or approximate location data from your device. This includes information obtained through GPS, Wi-Fi, and cellular networks. This location data is collected:
(i) While the app is in use (foreground): When you are actively using features that require your location (e.g., displaying your current position on a map for navigation, confirming a current location).
(ii) While the app is in the background: To provide continuous, real-time tracking functionality for logistical management purposes related to supply chain solutions and shipment delivery, even when the app is not actively open on your screen. This is a core function of the Driver Tracker app, enabling us to monitor shipment progress, optimize routes, and ensure timely and secure deliveries. You will be prompted for specific permissions to allow background location access upon initial use of the app, and you can revoke this at any time through your device settings.
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. For detailed information on the cookies we use
Private data is protected by Date Protection laws and can only be used subject to legal permission or exemption. We collect information for the following reasons:
Generally, we collect and use information for the following reasons:
To Provide real-time location tracking and logistical management.For users of our 'Credify Driver' mobile application, we collect location data to enable real-time tracking of drivers and their associated shipments within the supply chain, as part of our contracted services for financial and logistical solutions.This allows us to monitor deliver progress, optimize routess, ensure security of goods in transit and provide arrival estimates to our clients. For both applications;
(a) To display your current location: To show your current position on maps within the apps for navigation (if applicable to the Shipping app) or service initiation.
(b) For fraud prevention and security: Location data (specifically from the Driver app) helps us detect unusual activity or potential fraud related to shipment movements.
(c) For service improvement and analytics: To understand how our services are used, optimize app performance, and develop new features related to location-based services (e.g., identifying frequently used routes or delivery zones). When used for analytics, this data is often aggregated and anonymized where possible.
If we or a fraud prevention agency determine that you pose a fraud or money laundering risk we may refuse to provide the services or financing you have requested or stop providing existing services to you.
Upon submitting your application for a credit facility or service, we may forward your personal/business information to credit reference agencies in order to obtain your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.
We may also continue to exchange information about you with Credit reference agencies on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. Credit reference may in turn share your information with other organizations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.
Unless necessary to further processing of loans, Client requests, transactions and matters permitted by this policy or the individual contractual document under which Credify has undertaken to provide a service or a facility, or to recover the same from a defaulting Client, we do not share Client information with third parties.
Sharing of Location Data from the "Credify Driver" Application: To facilitate the core functionality of our 'Credify Africa Driver Tracker' mobile application (real-time tracking and logistical solutions), location data collected from your device is securely transmitted to our server. This server is operated by Credify Africa and is used solely for the purposes described in Section 4 of this policy (e.g., real-time tracking, logistical management, fraud prevention). We ensure that our Traccar server and associated infrastructure adhere to robust security measures to protect your location data.
In addition, we may share aggregated and anonymized location data (which cannot be used to identify you personally) with third-party analytics providers to improve our services and understand usage patterns for both applications.
This website contains links to other websites. By clicking on such links, you will leave this website and enter the other websites. The privacy practices of such linked websites are not covered by this Privacy Policy, and Credify is not responsible for the privacy practices, data collection, security or content of other websites. You should be careful to review any privacy policies posted on linked websites before using them.
All Information gathered on this website is encrypted during transmission stored within secure databases and protected by firewalls and other security features. As effective as current encryption technology is, however, no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that Information which you supply will not be intercepted while being transmitted to us over the Internet.
We mainly retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
YOU HEREBY AGREE TO INDEMNIFY AND TO KEEP CREDIFY FULLY AND EFFECTIVELY INDEMNIFIED AGAINST ANY ACTION, LIABILITY, COST, CLAIM, LOSS, DAMAGE, PROCEEDING OR EXPENSE (INCLUDING LEGAL FEES, COSTS AND EXPENSES ON A FULL INDEMNITY BASIS) SUFFERED OR INCURRED BY CREDIFY ARISING FROM OR WHICH IS DIRECTLY OR INDIRECTLY RELATED TO YOUR MISUSE OF OUR SITE PRIVACY POLICY.
Credify may terminate these terms and conditions, your access to this Web Site and use of online services at any time, without prior notice to you.
Credify reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this Web Site and is entitled to from time to time amend the terms and conditions under which this Web Site is used with prior notice to you. If you continue to access to this Web Site or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.
Provide a way for users to contact you about your privacy policy
If you have any questions about this privacy policy, please contact us: hello@credify.africa
You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.
This privacy policy was created in 2023.