Last updated January 31, 2022
Klump Technology Company Limited (“Klump, us, it,our, or we”) is committed to protecting and respecting your privacy.
This policy sets out the basis on which any personal data we collect from you or that you provide to us, will be processed by us.
Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By clicking on “I ACCEPT,” you confirm that you have read, understood, and accepted the terms of this policy set out hereunder. You also consent to the collection, use, storage, processing, and disclosure of your personal information in the manner set out in this policy.
We may collect and process the following data about you.
a. Information you give us about you.
This information may include your name, address, e-mail address, and phone number, the Device's phone number, SIM card details, age, username, password, and other registration information, financial and credit information (including your mobile money account details, bank account details, and bank verification number, where applicable), personal description; and photograph.
b. Information we collect about you and your device.
When you send email or other communications to us, we may retain those communications in order to process your inquiries, respond to your requests, and improve our services.
Each time you visit one of our Sites or use one of our Apps we may automatically collect the following information:
c. Location information.
We may also use GPS technology OR other location services to determine your current location. You can withdraw your consent to our collection, processing, or use of this information at any time by logging out and uninstalling the Apps from your Device.
d. Third Party Information (Information we receive from other sources).
Due to the nature of the Services which we provide, we are required to work with a number of third parties; Service Providers (including banks, credit reference agencies and mobile network providers) and we may receive information about you from them.
e. Unique application numbers.
When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.
We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the website, Apps, App Sites, or Service Sites. This helps us to provide you with a good experience when you use the Apps or browse any of the Service Sites and also allows us to improve the Apps and Our Service Sites.
Klump may collect your personal information by:
We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined.
Information collected by us shall be used for the purpose of determining whether or not to provide a credit/loan to the customer, the amount of such credit/loan and the terms and conditions applicable to such credit/loan or for the provision of any of our products and services to you.
Save for compliance with an order of the Court, Arbitral Panel, Tribunal, Regulatory Directive or Order or any other legal or regulatory obligation, we do not disclose information about identifiable individuals to other parties.
You hereby consent to the processing of your data by us. We shall obtain your consent for individual matters, where any document deals with different matters.
We can process your personal data in the absence of consent where:
If we intend to use your data for a purpose which is different from the purpose for which your data was obtained, we will seek your consent prior to the use of your data for that other purpose.
In the event of any arrangement whereby KLUMP is merged or combined with another entity (ies), sells or transfers all, or a portion of, its business or assets (including in the event of an internal or external restructuring, reorganisation, dissolution or liquidation) to third parties, you hereby consent that your personal data held with KLUMP can be transferred or assigned to third parties who may become the controllers and/or processors of your personal data that was held by KLUMP prior to such arrangement. KLUMP shall at all times ensure that you are notified when your personal data is intended to be transferred to third parties in the circumstances outlined in this clause.
No Consent shall be sought, given or accepted in any circumstance that may engender direct or indirect propagation of atrocities, hate, child rights violation, criminal acts and anti-social conducts.
You may withdraw your consent, in writing, at any time and may request access to your personal information in our possession at [email protected]. We can, however, deny you access to the information where we determine that your request is unreasonable.
You reserve the right to request the modification or amendment of your personal data in our possession.
In all cases of access or modification/amendment of personal information, we shall request sufficient identification to enable us to confirm that you are the owner of the data sought to be accessed or modified/amended.
As a Data Subject, you have some rights in relation to the way we handle your personal data.
These include the following rights:
We will use your data for the purposes of compiling statistics relating to our user base or loan portfolio and any other product or service we provide and may disclose such information to any third party for such purposes, provided that such information will always be anonymous.
Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 7 (seven) days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at [email protected].
When we process your personal data, we are guided by the following principles, which require personal data to be:
We will only share personal information with other companies or individuals in the following limited circumstances:
KLUMP is at all times responsible for the security and appropriate use of that data as long as it remains with KLUMP.
You are required to familiarise yourself with this policy and to ensure that the information you provide to us is complete, accurate and up to date.
We may disclose to credit reference bureaus some or all of the data we collect from you when you download the Apps or use the website.
We may disclose your personal information to any member of our group, which means our subsidiaries or affiliates.
We may disclose your personal information to third parties:
The data that we collect from you may be stored in the cloud (Amazon Web Services).
By providing your consent to this policy, you also authorise us to transfer your personal data provided to third parties with the understanding that the data may be used for the purpose stated in our contracts or terms of engagement with you.
We assure you that we will protect your personal data in our possession, and we confirm that the security measures in place are more than adequate to protect your personal data. We confirm that we take appropriate physical, management, and technical measures, such as the establishment of the access control system and monitoring system, encryption, anonymisation or pseudonymisation, employee training, to protect your personal data against unauthorised access, use, disclosure, modification, damage, loss, or other forms of illegal processing. By submitting your personal data, you also agree to the collection, transfer, storing or processing of your personal data in the manner set out above.
Where we have given you or where you have chosen a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to Our Service Sites; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
We implement and maintain appropriate safeguards to protect personal data, taking into account in particular the risks to you, presented by unauthorised or unlawful processing or accidental loss, destruction of, or damage to their personal data.
Safeguarding will include the use of encryption and pseudonymisation where appropriate. It also includes protecting confidentiality (i.e., that only those who need to know and are authorised to use personal data have access to it), integrity and availability of the personal data. We regularly evaluate and test the effectiveness of those safeguards to ensure the security of our processing of personal data. You should be aware, however, that no method of transmission over the internet or method of electronic storage is completely secure. While we strive to protect the security of your information and are constantly reviewing and enhancing our information security measures, we cannot guarantee absolute security. KLUMP therefore, accepts no liability for any damage or loss, however caused, in connection with transmission over the internet or electronic storage.
We have put in place procedures to deal with any suspected personal data breach and will notify you of any personal data breach and let you know the steps we have taken to remedy the breach and the security measures we have applied to render your personal data unintelligible.
All suspected breach of personal data will be remedied within 1 (one) month from the date of the report of the breach.
If you know or suspect that a personal data breach has occurred, you should immediately contact the KLUMP team at [email protected].
KLUMP will not be responsible for any personal data breach which occurs as a result of:
KLUMP shall retain and use your Data only as long as is necessary to implement, administer and manage your request and contract with KLUMP, and up to a maximum of  years after the expiration or termination of the contract or as required to comply with legal or regulatory obligations, including under tax and security laws. At your request, at any time, your personal data which is in the custody of KLUMP may be deleted unless we are required by law to retain such information for a specific period of time so as to comply with our obligations under the relevant law.
Notwithstanding, a request for erasure will automatically be denied in whole or in part, where it would adversely affect a constitutionally guaranteed right, contradict a legal obligation, act against the public interest in the area of public health, act against the public interest in the area of scientific or historical research, or prohibit the establishment of a legal defence or exercise of other legal claims by KLUMP or any legitimate third party. Where a request for erasure is denied, KLUMP will provide to you the specific reason for denying the request as soon as possible but no later than one month after receiving the request for erasure.
Any changes we may make to this Policy in the future will be posted on this page and where appropriate, notify you when you next start the Apps or log onto one of the Service Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the Apps or the Services. In any event, by continuing to use the Apps or any Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.CONTACT US VIA: