How YOO & TOO Capital Ltd collects, uses, and protects personal data.

We collect personal information necessary to provide credit services and process lending operations in line with Ugandan regulatory and privacy obligations.

1. Data Collection

We collect the information needed to deliver credit services responsibly.

Identification: Name, NIN, and Date of Birth.
Contact: Phone number, Email, and Physical Address.
Financial Data: Mobile Money transaction history and credit history.
App Permissions: With your consent, we may access your SMS logs for credit scoring and Location to prevent fraud.

2. Purpose of Data Processing

Your data is used only for credit operations, verification, and compliance.

Verifying your identity (KYC).
Assessing your creditworthiness.
Processing loan disbursements and repayments.
Complying with Anti-Money Laundering (AML) laws.

3. Data Sharing and Disclosure

We do not sell your data.

Information is only shared where necessary for regulated operations and service delivery.

Regulatory Bodies: Uganda Microfinance Regulatory Authority (UMRA).
Credit Bureaus: Licensed CRBs in Uganda.
Service Providers: SMS gateways and payment processors.

4. Data Security

We use secure systems and privacy controls to protect your information.

We implement high-level encryption and secure servers to protect your information. Your data is stored in compliance with the Data Protection and Privacy Act (2019).

5. Your Rights

Ugandan law gives you clear rights over your personal data.

Access the personal data we hold about you.
Request correction of inaccurate information.
Request deletion of your data once all financial obligations to YOO & TOO Capital Ltd are fulfilled.

6. Contact Our Data Protection Officer

Reach out for privacy concerns or data requests

For any privacy concerns, contact us at hr@yooandtuu.com.