Privacy Policy

Last Updated: March 19, 2026

Thank you for trusting and choosing Minute Mkopo. After reaching a transparent agreement with you, we will need to obtain certain information and permissions during the process of providing personal loan services. We solemnly promise: Privacy protection is the foundation of our ethics. We will adhere to the principle of minimal data collection, only retaining essential information related to loan assessment, risk control, and fraud prevention. Please read the following carefully to understand the use of permissions granted and the measures taken to protect your data.

1. Information Security and Permission Details

Financial Transaction SMS Messages

After obtaining your explicit consent, we will scan SMS messages related to transactions, transfers, and bills on your device, and send them encrypted to api.minutemkopo.com. We only collect SMS containing relevant financial keywords for the purpose of assessing your financial status and repayment ability; we do not collect unrelated information.

Emergency Contacts

You must provide the names and phone numbers of three people you contact most frequently. This is an additional emergency communication method to contact and verify your information during emergency security situations.

Application Environment Check

We will conduct a technical scan of applications installed on your device, identifying only the usage and distribution of financial/payment applications and detecting the presence of emulators or trojans. This helps us determine account legitimacy and prevent fraud and result manipulation.

User Profile

When providing financial services, we need to understand your financial profile to make accurate loan decisions. To prevent account risks, please voluntarily fill in the following personal information:
Work phone, company name, company address, monthly income, full name, date of birth, gender, ID number, education level, residential address, marital status, WhatsApp number.

Device Characteristics

To eliminate system compatibility issues, ensure Minute Mkopo works properly on your device, and prevent malicious account hijacking, we need to collect the following basic device information:
Android ID, adId, notificationPushId, uniqueId, device name, device model, device model name, free memory, network address, wifiIp, battery level, free disk space, root/jailbreak status, proxy usage, SIM card installation, and others.

Camera Permission

To ensure the loan application is initiated by you and prevent others from tampering with your information, we will need to use the camera during the identity verification (KYC) stage to capture identification documents (such as voter ID cards) and perform live 3D facial recognition. This is a crucial step to protect your funds.

Notification Permission

To help you manage loans effectively, avoid late payments, and inform you about account status and loan updates, we will need to send notification alerts via push notifications.

Location Permission (Approximate)

To verify that you are within the loan service area and help detect remote logins to protect your account security, we need to obtain your approximate location.

SMS Permission (Partial Messages)

With your consent, we will only collect and analyze SMS related to financial transactions, and provide them with complete encryption processing. We do not read or store unrelated messages. This is to accurately assess your financial status and repayment ability and provide loan services that meet your needs.

2. Information Controller Details

Company Name: MUSIC AID LTD

Company Address: 45 Mohavuge St, Dar es Salaam, Tanzania

Contact: support@minutemkopo.com

We ensure the use of bank-grade encryption methods to protect all your sensitive information during transmission and storage in accordance with the law.

3. Applicable Legal Basis

We process your information in accordance with the law, based on: contract performance, legal obligations, your explicit consent, and legitimate interests (preventing fraud, protecting system security, and improving services).

4. Information Sharing and Security

To provide loan services, we may share your information with:

  • Third-party service providers. We have entered into strict data management agreements;
  • Law enforcement agencies and regulatory bodies;

We use high-level encryption technology to ensure your private information is kept secure at all times during transmission and storage. Internal company access is strictly controlled.

5. Third-Party SDK Integration

Firebase

Information Collected: With the help of Firebase SDK, we collect crash information, non-responsiveness, and usage data

Purpose: To improve service flow and provide users with a better experience

Privacy Policy: https://firebase.google.com/support/privacy

Solar Engine

Information Collected: With the help of Solar Engine SDK, we upload activation activity information along with advertising ID to detailroi.com

Purpose: To measure advertising effectiveness and improve advertising strategies

Privacy Policy: https://www.solar-engine.com/privacyPolicyEN.html

6. Your Rights

You have the right to:

  • Right to Access: request to know if your information is being processed;
  • Right to Rectification: request correction of inaccurate or incomplete information;
  • Right to Erasure: request deletion of your personal information (subject to legal requirements);
  • Right to Object: object to the use of your information for legitimate interest purposes;
  • Right to Automated Decision-Making: object to outcomes resulting from automated decisions;
  • Withdraw Consent: you can withdraw consent for information use at any time.

7. Data Retention Period

We will arrange the retention period of information according to its type:

  • Loan assessment, risk control, user registration information and basic information: Until account deletion or until the period required to fulfill legal requirements
  • Fraud prevention information: retained for permanent requirements.

8. Children's Protection

This application is not intended for children under 18 years of age, and we are not required to know their personal information. If we discover information about a minor, we will delete it immediately.

9. Policy Changes

This privacy policy may change from time to time in accordance with legal or business requirements. Therefore, you can check the new version at any time.

Date: March 19, 2026