Privacy Policy

The purpose of this Privacy Policy is to explain how we may collect, retain, process, share and transfer your Personal Data when you use our Services. This Privacy Policy applies to your Personal Data when you use our Services and does not apply to online websites or services that we do not own or control.

ZANDA FINANCIAL SERVICES (PRIVATE) LIMITED ("us", "we", or "Company") operates the MoneyTap mobile application. All loans disbursed through our application are underwritten by ZANDA FINANCIAL SERVICES (PRIVATE) LIMITED. By downloading the App, you consent to the following.

"By downloading the App, I hereby give consent to the collection and processing of my personal information for legitimate business purposes, including but not limited to determining my credit score and providing a loan. I hereby certify that all information provided by me is true and correct."

App Permissions

For the purpose of Credit Risk Assessment, we require the following permissions:

Phone Permission

Collect and monitor specific information about your device including hardware model, operating system version, unique device identifiers, and mobile network information to prevent unauthorized access and fraud.

Location Permission

Collect and monitor information about the location of your device for credit risk assessment purposes.

Apps Permission

Collect and monitor a list of installed apps on your device for credit profile enrichment.

Information Collected

To create an account on the App, you must provide basic details including your name, mailing address, phone number, employment information, family details, and financial information such as bank account details. All information provided is used solely for the purposes of providing the Services.

We collect and monitor only your bank-related financial transaction SMS, names of transacting parties, transaction description, and amount to perform a credit risk assessment. We always ask for your permission before accessing information on your phone.

Use and Disclosure of Your Information

We use personal information to provide the services you request, to customize your user experience, and to improve our services. We access, store, and use the information we collect to:

• Provide and improve our Services
• Perform credit risk assessment and loan processing
• Analytical purposes and data usage
• Improving the Application and your user experience
• Providing targeted advertisements to you

Security Information

The protection of your privacy and data security is a top priority. We encrypt your data and store it in multiple databases with security group and firewall checks, multi-level authentication, authorization, and verification. Your personal details are stored on a secure server accessible only to selected personnel and authorized agencies.

We use SSL (Secure Socket Layer) technology to encrypt sensitive information during transmission. However, no data transmission over the Internet can be guaranteed to be completely secure.

Privacy Policies of Third-Party Websites

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites accessible through the App have their own privacy policies. We are not responsible for the policies or practices of third parties.

Disclosures

We may share your Personal Information with:

• Affiliates and business partners — for underwriting and loan approval purposes
• Third-party service providers — companies that perform functions on our behalf (e.g., email delivery, data analysis, payment gateways)
• Government and judicial bodies — as required by law
• Credit Information Bureaus — for credit risk assessment

We will not disclose your personal information to any third party unless required by law or as covered under this Privacy Policy.

Policy Changes

We may update this Privacy Policy to reflect changes to our information practices. You are encouraged to check this policy regularly to be aware of any changes.

Contact Us

If you have any questions, suggestions, or wish to make a complaint, please contact us at:

• Email: support@moneytappk.com
• Address: Office Plot# 28 Street 22, G8/4, Islamabad
• Customer Service: 03008432138