Privacy policy

Effective Date: 02/03/2026

Moshi Credit (“we,” “our,” or “us”) is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, store, and protect your personal data when you use the Moshi Credit mobile application and website.

This policy is designed in accordance with applicable laws of the United Republic of Tanzania, including data protection and financial regulations.

1. Information We Collect

When you use Moshi Credit, we may collect the following types of information:

a) Personal Identification Information

• Full name
• National Identification Number (NIDA)
• Mobile phone number
• Date of birth
• Gender

b) Financial Information

• Mobile money wallet details
• Loan application details
• Repayment history
• Credit assessment information

c) Technical & Device Information

• Device type
• Operating system
• App version
• IP address
• Device identifiers
• Usage logs

d) Behavioral & Risk Assessment Data

• Loan activity patterns
• Repayment behavior
• Credit bureau information (where applicable)

We collect only information necessary to provide our services and comply with regulatory obligations.

2. How We Use Your Information

Your information is used for the following purposes:

• Identity verification
• Credit risk assessment
• Loan processing and disbursement
• Repayment tracking
• Fraud prevention
• Regulatory compliance
• Customer support
• Service improvement and analytics

We do not sell your personal data to third parties.

3. Legal Basis for Processing

We process your personal data based on:

• Your consent when registering and using the app
• Performance of a contractual obligation (loan agreement)
• Compliance with legal and regulatory requirements
• Legitimate interest in fraud prevention and responsible lending

4. Data Sharing & Disclosure

We may share your information with:

• Credit reference bureaus
• Identity verification authorities (e.g., NIDA)
• Mobile money service providers
• Regulatory authorities when required by law
• Trusted service providers under confidentiality agreements

We do not share personal information for marketing purposes without your consent.

5. Data Security

We implement technical and organizational safeguards to protect your personal data, including:

• Encrypted data transmission
• Secure servers
• Access controls
• Authentication mechanisms
• Continuous monitoring for unauthorized access

While we take reasonable measures to protect your information, no digital system can guarantee absolute security.

6. Data Retention

We retain your personal information:

• For as long as your account remains active
• As required to fulfill loan agreements
• As required by Tanzanian financial and regulatory laws

After the retention period, data is securely deleted or anonymized.

7. Your Rights

Subject to applicable Tanzanian law, you may have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion where legally permissible
• Withdraw consent (where applicable)
• Request information about how your data is processed

Requests can be made through our official contact channels.

8. Cookies & Tracking Technologies

Our website may use cookies to improve functionality, security, and user experience. Essential cookies are required for the website to function properly.

9. Third-Party Services

Our app integrates with third-party service providers such as mobile money operators and credit bureaus. These providers process data in accordance with their own privacy policies and applicable laws.

10. Updates to This Policy

We may update this Privacy Policy from time to time to reflect regulatory changes or improvements to our services. Updates will be published within the app and on our website.

11. Contact Us

If you have questions regarding this Privacy Policy or how your data is handled, please contact:

Moshi Credit
Email: info@moshicredit.com
Phone: +255 746 737 300
Tanzania