Last updated: June 1, 2026
Introduction
ViCash (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.
By using ViCash, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our services.
Information We Collect
Personal Information
When you register and apply for a loan, we collect:
- Identity information: Full name, date of birth, National ID number, BVN, and photograph
- Contact information: Phone number, email address, and residential address
- Financial information: Bank account details, mobile money details, income information, and employment details
- Device information: Device model, operating system, IP address, and unique device identifiers
- Usage data: App interactions, features used, and transaction history
Information from Third Parties
We may obtain information from credit bureaus, identity verification services, and other financial institutions to verify your identity and assess your creditworthiness.
How We Use Your Information
We use the collected information for the following purposes:
- To process and evaluate your loan applications
- To verify your identity and prevent fraud
- To disburse loan funds and process repayments
- To communicate with you about your account and loan status
- To improve our services and develop new features
- To comply with legal and regulatory obligations
- To send you relevant offers and updates (with your consent)
Data Sharing and Disclosure
We do not sell your personal information. We may share your data with:
- Credit bureaus: To report and check credit history
- Payment processors: To facilitate loan disbursement and repayment
- Identity verification services: To verify your identity
- Regulatory authorities: As required by applicable law
- Service providers: Who help us operate our platform (e.g., cloud hosting, analytics)
All third parties are contractually bound to protect your data and use it only for the purposes we specify.
Data Security
We implement industry-standard security measures, including:
- 256-bit encryption for data in transit and at rest
- Secure data centers with restricted access controls
- Regular security audits and penetration testing
- Strict internal data access policies and employee training
Data Retention
We retain your personal information for as long as your account is active and for a period of up to 6 years after your last transaction, as required by regulatory obligations. After this period, your data is securely deleted or anonymized.
Your Rights
You have the right to:
- Access: Request a copy of the personal data we hold about you
- Correction: Request correction of inaccurate or incomplete data
- Deletion: Request deletion of your data, subject to legal obligations
- Restriction: Request restriction of processing in certain circumstances
- Portability: Request transfer of your data to another service provider
- Withdrawal of consent: Withdraw consent at any time where processing is based on consent
To exercise any of these rights, contact us at vicash26@outlook.com.
Cookies and Tracking
Our website uses cookies and similar tracking technologies to improve user experience and analyse traffic. You can control cookie preferences through your browser settings. We do not use cookies to collect personal information without your consent.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and, where appropriate, through the app. Your continued use of ViCash after changes constitutes acceptance of the updated policy.
Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
- Email: vicash26@outlook.com
- Address: Jubilee Insurance Centre, Plot 14, Parliament Avenue, Kampala, Uganda
- Address: Jubilee Insurance Centre, Plot 14, Parliament Avenue, Kampala, Uganda
