Effective date: 21.6.2018
d.light design Inc and its Kenyan subsidiary d.light Limited take your privacy seriously. This Privacy Policy explains what personal information we shall collect, with whom we share it with, and how our customer (the user of the Service) can prevent d.light from sharing certain information with certain parties. You should read this Privacy Policy in its entirety. By downloading d.light PayGO app, you consent to the following:

quotBy downloading d.light PayGO app, I hereby give consent to the collection and processing of my personal information for legitimate business purposes. I hereby certify that all the information provided by me is true and correct to the best of my knowledge and that any misrepresentations or falsity therein will be considered as an act to defraud d.light and its partners. I authorize d.light limited to verify and investigate the above statements/information as may be requiredquot

Section 1.Scope of Policy and Terms

1. d.light PayGO mobile application software ("App") hosted on the Google Play Store ("App Site"), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device). 2. Any of the services accessible through the App which are available on the App Site or other sites of ours ("Services Sites"). Terms used in this policy shall have the following meanings:
"Authorities" includes any judicial, administrative, public or regulatory body, any government, any Tax Authority, securities or futures exchange, court, central bank or law enforcement body, or any of their agents with jurisdiction over d.light. "Compliance Obligations" means obligations of d.light limited to comply with: (a) Laws or international guidance and internal policies or procedures, (b) any demand from Authorities or reporting, disclosure or other obligations under Laws, and (c) Laws requiring us to verify the identity of our customers. "Customer" or "User" means any individual within the regions d.light limited provides the service.
"Customer Information" means your Personal Data, relationships with d.light limited.
"Personal Data" or "Personal Information" refers to any information whether recorded in a material form or not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information, or when put together with other information would directly and certainly identify an individual. "Services" includes maintaining the App available on our site OR hosted on the App Site, once you have downloaded or streamed a copy of the App onto your Device. "We", "Our" and "Us" refer to d.light design and its subsidiaries.

Section 2. ACCEPTANCE OF TERMS AND CONDITIONS
You will be deemed to enforce this Agreement upon clicking the "Accept" option on d.light app asking you to confirm that you have read, understood and agreed to abide by this Agreement. If you do not agree with this Agreement, please click the "Decline" option in the app. Please note that you will not be able to access the Services and get license to the App if you click the "Decline" option. By downloading the d.light App and linking your PayGO Account, you agree to comply with and be bound by the Terms and Conditions governing providing the Services and you affirm that the Terms and Conditions herein are without prejudice to any other right that We may have with respect to the Services and/ or Account in law or otherwise. This Agreement may be amended or varied from time to time and the continued use of the Services constitutes your agreement to be bound by the terms of any such amendment or variation. By using the d.light App,you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use these Services, you consent to the following actions by Us, affiliates and licensees: transmission, collection, retention, maintenance, processing and use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the App.

3: INTELLECTUAL PROPERTY RIGHTS
You acknowledge that all intellectual property rights in the d.light App belong to d.light limited, that rights in the App are licensed (not sold) to you, and that you have no rights in, or to, the App or the Technology other than the right to use each of them in accordance with the terms of this Agreement. You acknowledge that you have no right to have access to the App in source-code form.

4:USE OF THE SERVICES
Our Services can only be utilized by persons who are registered on the d.light Atlas Platform. We reserve the right to verify the authenticity and status of your d.light Account, ID number with the relevant information stored in our database.

5. PERSONAL INFORMATION
You hereby agree and authorize Us to verify information provided by you to Us against the information held within our database. We may verify your Personal Information against the information held by government authorities.
You hereby agree and authorize Us to verify your Relevant Information