Effective starting: 01 October, 2024
QATC Capital, "us", "we", or "our" refers to QATC Capital (Pvt) Ltd and any of our corporate affiliates. We operate a registered Credit-only Microfinance Institution in Zimbabwe.
This Privacy Policy explains how QATC Capital collects, uses, and discloses your personal information when you interact with our WhatsApp ChatBot. The ChatBot is a service that allows you to access QATC Capital loan products, make inquiries on your existing borrowings, among other things you may wish to get information on through Whatsapp. Our ChatBot is connected to our secure loan management system where all the collected data will be stored and processed.
We use your data to provide and improve our Services to you. By using the ChatBot, you agree to this Privacy Policy and consent to the processing of your personal information as described herein. If you do not agree, please do not use the ChatBot.
"Personal Data" means data about a living individual who can be identified from that data. It does not include data where the identity has been removed (such as anonymous or de-identified data).
"Data Controller" means a person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed.
For the purpose of this Privacy Policy, we are a Data Controller of your data.
"Data Processor" (or "Service Provider") means any person (other than an employee of the Data Controller) who processes the data on behalf of the Data Controller.
We may use the services of various Service Providers in order to process your data more effectively.
We collect several different types of information for various purposes to provide and improve our Service to you.
While using our ChatBot, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information includes:
We use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send. Marketing consent is not required as a condition of use of the ChatBot Service.
We use the collected data for various purposes:
We are not in the business of selling personal data to third parties, in the course of providing the Service or otherwise.
We keep your information for as long as necessary to fulfil the purposes for which we collected it, unless a longer retention period is required or permitted by law. We may delete or anonymize your information when it is no longer needed or when we terminate the ChatBot service
We may share your data with the following parties:
If we are involved in a merger, acquisition or asset sale ("Transaction"), your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy. In the eventuality of this event taking place you will be informed about the Transaction and new Privacy Policy as required by law at the time of the Transaction.
We may disclose your Personal Data in the good faith belief that such action is necessary:
The security of your data is important to us, but remember that no method of transmission over the internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable, best practice, and state-of-the-art means to protect your Personal Data, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your WhatsApp account.
We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.
Whenever made possible, you can update your Personal Data directly within your account settings section on the ChatBot. If you are unable to change your Personal Data, please contact us to make the required changes on privacy@qatc.co.zw.
If you wish to be informed of what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
You can submit a justified request:
You may exercise your right to object, if no opt-out mechanism is otherwise made available to you (including objecting to the basis of use for the purpose of our legitimate interest), by sending an email to privacy@qatc.co.zw.
Please note that we may ask you to verify your identity before responding to such requests.
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyse the use of our Service.
We may use third-party software Service Providers to manipulate images and PDFs that you may upload to the ChatBot. Images and PDFs provided to our third-party image manipulation Service Providers could include Personal Data. Their processing of your Personal Data is governed by a Data Processing Agreement between us and them.
We may provide the ability to pay your loan products within the ChatBot through either Ecocash, One Money,Telecash and Zimswitch. In that case, we use third-party services for payment processing.
We will not store your payment method details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by the Reserve Bank of Zimbabwe (RBZ) who is their regulator.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website or by sending you a message through the ChatBot. Your continued use of the ChatBot after such notice constitutes your acceptance of the updated Privacy Policy.
If you have any questions or requests in relation to this Privacy Policy, or our processing of your information, please contact us at:
Email at privacy@qatc.co.zw.
Phone: +263 772 736 348 / +263 392 266 026
Address: 44-50 Hughes Street, 2nd Floor Suite F9 & F10, CAIP Building, Masvingo