About this app – Contipay Voucher

This Hammer and Tongues Financial Services application allows the agent to register and process loan applications for civil servants (excluding ZRP and ZPCS).

About this app – HTFS Loans Officer app

This Hammer and Tongues Financial Services application allows the loans officer to process loan applications made by the civil servants through USSD and walk-in clients.

About this app – Client app

This Hammer and Tongues Financial Services application allows the civil servants to register and apply for loans in the comfort of their homes.

HTFS Loan Application Privacy Policy

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of personal information if anyone decided to use our Service, the Contipay Voucher application/Client Application/HTFS Loan Officer.

If you choose to use our Service, then you agree to the collection and use of information in relation with this policy. The personal information that we collect are used for providing and improving the service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at http://contipayvoucher.com/, unless otherwise defined in this Privacy Policy.

We make every effort to ensure that the information you provide will not be misused.

This privacy policy (“Privacy Policy”) would apply to information we collect when you access or use our App or our Web-Site (collectively the “Services”).

Persons using the Services are hereinafter referred to as “Users” or “you”.

By applying to our Services, you are accepting the terms of this Privacy Policy.

Our goal in this Privacy Policy is to be completely transparent about the data we collect, why we collect, use, share, store and protect personal information about users.

1. Information Collection and Use

During the use of our Services, website and mobile application, we may collect information about you from you. While some information has to be mandatorily provided, others are optional and certain portions of the information will remain private. All information you provide to us is voluntary. This information is including but not limited to the following:

Information about you when you register or when you use HTFS Loan Application;

Personal and financial information like your name, email address, contact number, gender, date of birth, contact information, address, employment information, pay slips, ID no.

Information about your transaction history like spend data.

Aggregate information and electronic data – like the pages viewed, how you navigate through the website and interact with webpages, etc.

Camera: we use the camera to enable you to take images of the KYC documents like selfie, payslip, ID number etc.

Contacts: By sharing contact information it helps building a better profile of the user by our credit risk assessment algorithms.

Location: Location information is captured at the time of login and is a useful parameter to determine the last location.

SMS : Financial and Banking applications interact with their customers via SMS and SMS and this activity is used to understand your financial ability to repay our loans.

You understand that, by creating an account, we will be able to identify you by your HTFS Loan Application profile.

However, we will not be liable under any circumstance for the generation of your profile or the information you provide therein.

HTFS Loan Application will also not be liable for the photographs and data that the Users might upload, the use and misuse thereof.

We will ask for your bank account details only for the Service. All the information that you shall provide us is voluntary, including sensitive personal information.

You understand that HTFS Loan Application may use certain information of yours, which has been designated as ‘sensitive personal data or information’ under the IT Rules for the purpose of providing you the services and for sharing the information only with affiliates who are subject to this Privacy Policy, as will be explained further below.

1.1 Mobile device

To provide you with our Services, HTFS Loan Application may require access to the following:

Mobile device

Log data


We may set cookies to track your use of HTFS Loan Application. These are used to enhance your experience with our services. We use cookies to help us identify who you are, so your login experience is smooth each time. Cookies also allow us to collect non-personally identifiable information from you, like which pages you visited and what links you clicked on. Use of this information helps us to create a more user-friendly experience for all visitors. By using HTFS Loan Application, you signify your consent to our use of cookies. Please note that if you decline or delete these cookies, some parts of our Services may not work properly.

1.3 Security Information

We maintain administrative, technical and physical safeguards designed to protect the security, confidentiality and integrity of your personal information. We store all the customer data on cloud servers to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls, SSL data encryption and access authorization controls.

However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and we take no liabilities or responsibilities for it.

2. Children’s Privacy

Our Services do not address anyone under the age of 18. We do not knowingly collect personal identifiable information from children under 18. In the case we discover that an individual under 18 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

3. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at +263 4(2) 794808/12