Own Your
Smartphone
Today. Pay Later.

KUZA CAPITAL FINANCE TANZANIA LIMITED  ·  Business Licence No. 20000073162  ·  VAT Reg. No. 168-504-047

1. Introduction and Acceptance

1.1 These Terms and Conditions ("Terms") govern every mobile phone loan ("Loan") offered to a customer ("Customer") under the Kuza Simu programme operated by Kuza Capital Finance Tanzania Limited ("KUZA").

1.2 By registering, paying a deposit or accepting a Loan, the Customer confirms they have read, understood and agree to these Terms and to the loan contract issued for their Loan.

2. Eligibility

• Be aged eighteen (18) years or above.
• Hold a valid government-issued identification document (NIDA card, voter ID, driving licence or passport).
• Have an active phone number registered in their own name.
• Have a reachable next of kin or guarantor.
• Complete KYC and have it approved by KUZA.

3. Deposit, Loan and Phone Pickup

• Each phone has a price, a required deposit and a repayment plan, shown before the Customer applies and set out in the loan contract.
• The deposit must be paid through official mobile money channels before the phone is released. No cash payments are accepted.
• The phone is collected at the partner store chosen by the Customer. The handover is confirmed with a one-time code (OTP) sent to the Customer's registered number.
• The phone remains subject to KUZA's rights under the loan contract until the Loan is fully repaid.

4. Repayment

• The Customer repays the Loan in the instalments (daily, weekly or monthly) and over the period stated in the loan contract.
• All repayments must be made through official mobile money channels. A digital receipt is sent for each payment.
• Late payments may attract penalties as stated in the loan contract.

5. Customer Obligations

• Provide accurate and truthful information during registration and KYC.
• Keep the registered phone number active until the Loan is fully repaid.
• Notify KUZA of any change in contact details or circumstances that may affect repayment.
• Not sell, transfer or pledge the financed phone before the Loan is fully repaid.

6. Fraud

KUZA operates a zero-tolerance policy towards fraud, including false identity documents and fictitious next of kin. Any Customer found to have provided false information may have their Loan recalled in full and the matter referred to the relevant authorities.

7. Data Privacy and Consent

By registering, the Customer consents to KUZA collecting and processing their personal data to administer the Loan, send SMS reminders and comply with legal obligations, as described in the Privacy Policy and in accordance with the Personal Data Protection Act, 2022.

8. Amendments and Governing Law

KUZA may amend these Terms. Customers will be notified of material changes by SMS before they take effect.

These Terms are governed by the laws of the United Republic of Tanzania.

1. Data Collection

We collect personal data to offer and improve our loan services, including:

• Personal Identification: Full name, national ID, passport, or other identification documents.
• Contact Information: Phone numbers, email addresses, and physical addresses.
• Financial Information: Bank account details, mobile money numbers (e.g., MPESA), and transaction history.
• Loan Information: Loan amounts, repayment schedules, credit assessments, and loan performance.
• Device Information: IP addresses when accessing our online services.

2. Purpose of Data Collection

The data collected is used for:

• Processing loan applications
• Conducting creditworthiness assessments
• Facilitating loan disbursement and repayment
• Enhancing our services and improving customer experience
• Ensuring compliance with legal and regulatory obligations, including those from the Bank of Tanzania and the Personal Data Protection Act of 2022
• Communicating important notifications related to loans

3. Legal Basis for Processing Data

We process personal data based on your consent, our legitimate business interests, and legal obligations. You can withdraw consent at any time, though it may impact our ability to offer you services.

4. Prohibited Data Access

In compliance with relevant laws and regulations, we do not access or process:

• Data unrelated to loan processing or necessary services
• Personal information for unlawful or deceptive practices
• Customer data used for profiling without consent, except when mandated by law
• Biometric data or sensitive personal information without explicit customer consent

5. Data Sharing

We only share your personal data under the following circumstances:

• Regulatory Requirements: Sharing data with regulatory bodies such as the Bank of Tanzania.
• Credit Bureaus: Sharing credit data for credit risk assessments.
• Service Providers: Sharing limited data with payment processors under strict confidentiality agreements.
• Legal Proceedings: Disclosure during legal proceedings or in response to legal requirements.

6. Customer Consent

By using KUZA loan services, you consent to the collection and processing of your personal data as outlined. If you wish to revoke consent, you may do so in writing, though this may affect service provision.

7. Data Security

We ensure the protection of your data through robust security measures, including encryption, secure access control, and regular security system audits. Access to sensitive data is restricted to authorised personnel only, in accordance with the Personal Data Protection Act.

8. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes described in this policy, after which it will be securely erased or anonymised. This retention period aligns with regulatory and business requirements.

9. Rights of the Customer

As per the Personal Data Protection Act of 2022, you have the following rights:

• Right to Access: Request access to the data we hold about you.
• Right to Rectification: Request correction of inaccurate or incomplete personal data.
• Right to Erasure: Request deletion of personal data that is no longer necessary.
• Right to Restrict Processing: Request limitations on how your data is processed.

10. Data Transfers

We may transfer personal data outside Tanzania only when adequate safeguards are in place, and the transfer complies with the Personal Data Protection Act and BoT guidelines.

11. Compliance with Laws and Regulations

We comply with regulatory requirements by:

• Ensuring transparency in how customer data is collected, stored, and used.
• Not using deceptive practices to gather or process customer data.
• Ensuring that data used for loan decisions (e.g., credit scores) is accurate and based on lawful criteria.

12. Changes to the Privacy Policy

We reserve the right to update this policy to reflect changes in our practices, legal obligations, or regulatory requirements. Significant updates will be communicated through appropriate channels.

13. Contact Information