Thank you for choosing Prime Pesa. We are committed to protecting your privacy and handling your personal information transparently, securely, and in compliance with applicable laws. This Privacy Policy explains what data we collect, why we collect it, how it is processed, and the rights you have over your data.
By downloading, registering, or using Prime Pesa, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue using the app.
Financial SMS Access
We may access financial SMS messages from the past six months on your device, but only those related to financial activity such as salary deposits, account credits or debits, EMI notices, or loan repayment alerts. This information helps us evaluate your repayment capacity and assess creditworthiness. The messages are transmitted securely to https://api.primepesa.net/, used for credit evaluation, and permanently deleted once the analysis is complete. We never access OTPs, private conversations, promotional texts, or unrelated messages, and the data is not shared with third parties.
Installed Applications Access
We collect the names and versions of finance- or lending-related applications installed on your device to understand financial behavior, prevent overlapping loans, and reduce credit risk. This data is sent securely to https://api.primepesa.net/, used exclusively for risk analysis, and deleted immediately after processing. Non-financial apps, usage records, or personal files are not collected, and the information is never shared with third parties.
Camera Permission
We may request camera access to capture images of your government-issued ID and a selfie for KYC verification. These images are required for regulatory compliance and to prevent identity fraud. All images are securely uploaded to https://api.primepesa.net/, used only for identity verification, and permanently deleted once the verification process is complete. We never collect unrelated photos or maintain continuous access to your camera, and the data is never shared with third parties.
Device Information Access
We collect technical device details such as model, operating system version, IMEI (where permitted), and advertising ID. This data helps us detect fraud, ensure security, and maintain app integrity. The information is transmitted securely to https://api.primepesa.net/, used only for fraud checks and system monitoring, and deleted once processing is complete. We do not collect media files, contacts, or unrelated data, and this information is not shared with third parties.
Personal Profile Information
We collect the personal information you provide during registration and loan applications, such as your full name, phone number, residential address, occupation, income details, and other relevant information. This data is securely transmitted to https://api.primepesa.net/, used strictly to process your loan and comply with financial regulations, and permanently deleted when your account is closed or upon verified deletion request. We do not collect information beyond what you provide, and we do not share this information with third parties.
Location Access (Approximate)
We may access your approximate location to confirm service eligibility and reduce fraud risk. Only region-level location is collected; precise GPS data and movement history are not accessed. This data is sent securely to https://api.primepesa.net/, verified for compliance, and deleted after use. Location data is not shared with third parties.
Call Log Permission
We may request limited access to your call log to detect incoming calls that deliver one-time passwords (OTPs). This allows the app to automatically verify OTPs during login or loan applications. Only OTP-related entries are accessed, and no call audio or unrelated call history is collected. The data is securely uploaded to https://api.primepesa.net/, used immediately for verification, and deleted right after processing. This information is not shared with third parties.
Operation Behavior Data
We collect anonymous app usage data such as button clicks, screen visits, time spent on pages, and error logs. This helps us improve usability and app stability. The information is transmitted securely to https://api.primepesa.net/, analyzed for optimization, and deleted once the process is complete. No personal input, external browsing activity, or unrelated content is collected, and this information is not shared with third parties.
Your data is processed strictly for the following purposes:
To verify your identity (KYC)
To assess loan eligibility and creditworthiness
To prevent fraud and ensure system security
To process and service loans and repayments
To comply with financial laws and regulatory requirements
To provide customer service and technical support
We do not use your data for advertising or any purpose beyond those listed above.
To protect your data, Prime Pesa applies:
End-to-end encryption for sensitive data
Secure HTTPS channels for all transmission
Strict internal access controls
Automatic deletion schedules after processing is complete
Compliance with Tanzanian and international data protection standards
We do not sell or commercially share your personal data. Data may only be shared under these conditions:
With licensed lending or compliance partners to complete loan processing
With technical service providers for fraud prevention and system maintenance
With regulators or authorities when required by law
All sharing is limited, necessary, and done via secure channels.
Prime Pesa services are available only to users aged 20 to 60 who meet regional requirements. If we become aware that data has been collected from an ineligible person, we will delete it upon verification.
As a user, you have the right to:
Request a copy of your personal data
Correct inaccurate information
Revoke permissions at any time in your device settings
Request permanent deletion of your data and account
Deletion requests can be made through the in-app “Delete Data” page or by contacting us at contact@emsafinancial.com. Verified requests are processed within 7 business days.
We retain personal data only for as long as necessary to:
Complete credit evaluations and loan repayments
Satisfy legal, regulatory, and audit obligations
Maintain limited records for fraud prevention and account recovery
After this period, data is permanently deleted from https://api.primepesa.net/.
This Privacy Policy may be updated from time to time to reflect changes in services, technology, or laws. Any updates will be displayed in the app. Continued use of the app indicates your acceptance of the updated policy.
If you have any questions about this Privacy Policy or your data rights, you can reach us at:
Email: contact@emsafinancial.com