Active Loan offers mobile-based credit services that support users throughout the credit application and account management process. Operated by RUHA PRIME GENERALS LTD (“we”, “us”, or “our”), the Active Loan application provides users with access to credit-related services, including application submission, identity verification, and credit account management through our application and official website www.ruhaprimegenerals.com.
To deliver secure and reliable credit services, we collect and process personal information required for account creation, identity verification, credit eligibility assessment, risk control, service operation, and compliance with applicable requirements. This Privacy Policy explains how your personal information is collected, handled, protected, and processed when you use Active Loan.
We are committed to maintaining responsible information practices and applying appropriate security measures to protect user privacy while providing credit services.
1 Information Collection and Usage
When you use Active Loan, we may collect information provided by you, information from your device, and information obtained through permissions you authorize. The information collected is used to support credit applications, identity verification, account protection, risk evaluation, and the operation of our credit services.
Camera access may be used during the KYC verification process to capture identification documents and perform facial liveness checks. The collected images are used for identity verification, security assessment, fraud prevention, and compliance purposes. We do not access unrelated photos, videos, or other media stored on your device. Verification images are protected through appropriate security measures during processing and storage.
With your permission, Active Loan may collect SMS information related to financial activities, including transaction notifications, payment confirmations, and other relevant financial messages. This information supports credit assessment, transaction verification, account security, and fraud prevention. We do not use SMS information unrelated to financial activities.
Approximate location information may be collected to verify account activities, identify potential risks, and improve fraud detection capabilities. This information is used for security and risk management purposes only and is not used for continuous tracking or precise location monitoring. You can manage location permissions through your device settings.
We may collect limited information about installed applications on your device to support security checks, credit assessment, risk analysis, and fraud prevention. We do not access the content, accounts, or personal information contained within these applications.
During registration and credit application, you may provide personal information required for identity verification, credit evaluation, account management, and related credit services. This information may include:
- Account Details: Mobile number and registration information used to create your account, verify access, and communicate with you regarding our services.
- Identity Details: Full name, national identification information, government-issued identification details, and date of birth used for identity verification and applicable compliance requirements.
- Personal Profile Details: Age, gender, education background, and related personal information used to support credit assessment and service evaluation.
- Employment and Financial Details: Employment information and income-related details used to understand financial circumstances and support credit-related decisions.
- Relationship Information: Marital status and related information used as part of application review and risk evaluation.
- Payment Information: Mobile Money wallet details used for credit disbursement, repayment processing, and payment-related activities.
We may collect device-related information, including device model, operating system version, and device identifiers. This information helps maintain application performance, improve compatibility, protect account security, and detect unusual or duplicate application activities.
You may choose to provide emergency contact information, including a contact person's name and phone number, during the credit application process. Such information is used only for necessary account-related communication or urgent situations and is not used for marketing purposes.
We may use analytics services such as AppsFlyer to collect advertising attribution information and application performance data. This information helps measure advertising effectiveness, analyze service performance, and improve user acquisition activities. You may manage advertising preferences through your device settings.
2 How We Process Your Information
We process the information collected through Active Loan to provide secure and reliable credit services. The processing activities are limited to purposes related to credit application, identity verification, account management, risk control, and service operation.
We process personal information to create user accounts, verify user identity, complete KYC procedures, and ensure that credit services are provided to the correct individual.
We process submitted information to review credit applications, evaluate eligibility, understand financial circumstances, and support responsible credit decisions.
We analyze relevant information to identify suspicious activities, prevent fraudulent applications, protect user accounts, and maintain the security of our credit services.
We process information necessary to support credit-related activities, including account management, disbursement arrangements, repayment processing, and service operations.
We use relevant information to communicate with users regarding account status, application progress, repayment reminders, service notifications, and support requests.
We may process information to comply with applicable legal requirements, regulatory obligations, improve service performance, and enhance security measures.
3 Credit Review and Risk Management
To provide appropriate credit services, Active Loan reviews relevant information submitted by users and information collected through authorized permissions. This process helps us understand credit eligibility, manage potential risks, and provide safer and more reliable credit services.
We may review identity details, application information, financial information, and other relevant data to evaluate whether users meet the requirements for available credit services.
We analyze relevant information to assess potential risks associated with credit applications, account usage, and repayment activities.
We use security measures and risk control processes to identify suspicious activities, prevent fraudulent applications, protect user accounts, and maintain the integrity of our credit services.
We aim to provide credit services responsibly by considering relevant information during the review process. The information collected is used to support credit decisions and improve risk management.
4 Information Disclosure Practices
We respect the privacy of our users and handle personal information responsibly. We do not sell, rent, trade, or disclose your personal information for purposes unrelated to the operation of our credit services.
We may disclose personal information when required by applicable laws, regulations, legal procedures, or requests from authorized government or regulatory authorities.
We may process relevant information when necessary to protect the security of our services, prevent fraud, investigate suspicious activities, protect user rights, or maintain the integrity of our credit operations.
We may use analytics services such as AppsFlyer to collect advertising attribution information and application performance data. This information is used to measure advertising effectiveness, analyze application performance, and improve user acquisition activities.
5 Data Protection and Storage
We apply appropriate technical and organizational measures to protect the personal information collected through Active Loan. We are committed to maintaining the confidentiality, integrity, and security of user information throughout the period it is processed and stored.
We protect personal information through reasonable security practices, including encryption during data transmission, secure storage mechanisms, access restrictions, and other measures designed to reduce the risk of unauthorized access, loss, misuse, or disclosure.
Access to user information is limited to authorized personnel who require such access to perform necessary service operations, security management, and compliance-related activities. Access activities are managed and controlled through appropriate internal procedures.
User information is stored on secure systems and retained only for the period necessary to provide credit services, maintain account records, manage risks, fulfill operational requirements, comply with applicable legal obligations, and maintain necessary records.
We retain personal information only for as long as necessary for the purposes described in this Privacy Policy. Certain information may need to be retained for longer periods when required for legal, regulatory, security, financial record-keeping, dispute resolution, or enforcement purposes.
When personal information is no longer required, we will take reasonable steps to delete, remove, or anonymize such information in accordance with applicable privacy requirements and our internal data management practices.
6 User Rights and Permission Control
We respect your rights regarding your personal information and provide users with appropriate controls over their data and application permissions. You may manage your information and permissions according to applicable laws and the functions provided by Active Loan.
You may request information about the personal data we process, including the categories of information collected, purposes of processing, and how your information is used in connection with our credit services.
You may request deletion of your account or personal information where permitted by applicable requirements. Certain information may need to be retained when required for legal, regulatory, security, financial record-keeping, or other legitimate purposes.
You may manage or disable device permissions, including camera, SMS, location, and other authorized access, through your device settings. Please note that disabling certain permissions may affect the availability of specific credit service functions.
If you have questions, concerns, or requests regarding your personal information, you may contact us through the contact information provided in this Privacy Policy. We will review and respond to your request within a reasonable period.
7 Privacy Protection for Children
Active Loan is designed for adults aged 18 and above. Our credit services are not intended for children or individuals under the age of 18, and we do not provide credit services to users who are not legally eligible to enter into credit-related agreements.
We do not knowingly collect, request, or process personal information from children under the age of 18. If we become aware that personal information has been collected from a user under the age of 18, we will take reasonable steps to review, delete, or otherwise handle such information in accordance with applicable privacy requirements.
If you believe that a child under the age of 18 has provided personal information through Active Loan, please contact us using the contact information provided in this Privacy Policy so that we can take appropriate action.
8 Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our credit services, information processing practices, legal requirements, or regulatory obligations.
When significant changes are made, we may notify users through appropriate methods, including in-app notifications, website announcements, or other available communication channels. The updated Privacy Policy will become effective when published through the application or official website.
We encourage you to review this Privacy Policy periodically to understand how we collect, use, and protect your personal information. Your continued use of Active Loan after an update indicates your acceptance of the revised Privacy Policy.
9 Contact Information
If you have questions, comments, concerns, or requests regarding this Privacy Policy, your personal information, or our credit services, you may contact us using the information below.
support@ruhaprimegenerals.com
www.ruhaprimegenerals.com
We will review privacy-related requests and provide appropriate responses in accordance with applicable privacy requirements.