JJCash (“we,” “our,” or “us”) is a licensed digital lending service operating in Côte d’Ivoire and Tanzania. We value your trust and are committed to safeguarding your personal data in accordance with applicable data protection laws and Google Play privacy standards. This Privacy Policy explains how we collect, use, store, and protect your personal information when you access or use our application (“App”) and related services. By downloading, registering, or using JJCash, you confirm that you have carefully read and agreed to this Privacy Policy.
To deliver and improve our financial services, we may collect and process the following categories of data, with your explicit consent:
We collect limited technical information to ensure secure and reliable operation of the App, including:
With your consent, we may access a filtered set of SMS messages on your device to identify financial-related messages from banks, mobile money providers, merchants, or payment systems.
This information helps verify your financial activity, assess creditworthiness, and prevent fraud.
We do not read, store, or use unrelated personal messages.
You may voluntarily provide selected emergency contacts during your loan application.
We access only the contacts you choose — not your full contact list — and use them solely for identity verification or credit risk analysis.
We may collect metadata (application names and package identifiers) of installed apps to detect potential fraud, confirm device integrity, and enhance risk assessment accuracy.
We do not access personal data within those applications.
We may request access to your device's camera so that you can capture identification documents or proof of income when required.
Captured images are used solely for verification purposes and will not be shared without your consent.
We may access your device's approximate location (for example, via network information or IP address) to verify user activity, prevent fraud, and offer localized services.
Location information is used only while the App is actively in use.
The data we collect is used strictly for lawful and essential business purposes, including to:
We do not sell your personal data to any third party.
Your information may only be shared under the following conditions:
We implement advanced security technologies and strict internal controls to protect your information against unauthorized access, loss, or misuse.
These measures include:
All personal data is securely stored on encrypted servers at:
https://api.getjjcash.com
We retain personal data only for as long as necessary to fulfill the purposes described in this policy or as required by applicable laws.
Once the retention period expires, data will be securely deleted or anonymized.
Depending on your country of residence, you may have the right to:
Requests can be made by contacting our Data Protection Officer via email.
If you wish to permanently delete your JJCash account and all associated data, you may send a request to our support team.
Deletion will proceed once all outstanding loans or obligations are fully settled.
After deletion, your data will no longer be retrievable. Certain information may be retained where legally required for audit or compliance purposes.
Your information may be processed on secure servers located outside your country of residence for operational efficiency.
All transfers comply with international data protection principles ensuring adequate security and confidentiality.
JJCash may update this Privacy Policy periodically to reflect service improvements or regulatory changes.
Significant updates will be communicated via in-app notifications or email. Continued use of the App after notice of changes constitutes acceptance of the revised terms.
If you have any questions, concerns, or data-related requests, please reach out to our support teams below:
We are committed to responding promptly and transparently to protect your privacy rights.
JJ CASH