Effective Date: 05-November-2024

chamaZetu values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our services. By accessing or using chamaZetu, you agree to the terms outlined in this policy.

1. Information We Collect

chamaZetu collects various types of information to deliver and improve our services. This includes:

a. Personal Information

• Identity Information: Full name, date of birth, identification numbers (e.g., national ID, passport), and other identifiers.
• Contact Information: Email address, phone number, and physical address.
• Financial Information: Bank account details, mobile money account information, transaction histories, and investment preferences.

b. Technical Information

• Device Information: Device type, operating system, unique device identifiers, and browser type.
• Usage Information: IP address, pages visited, links clicked, and time spent on the platform.
• Cookies and Tracking Technologies: We use cookies, web beacons, and other technologies to collect information about your interactions with chamaZetu. You can adjust your browser settings to disable cookies, though this may impact functionality.

c. Transactional Information

Details of transactions you perform on chamaZetu, such as deposits, withdrawals, contributions to Chama groups, and other financial activities.

d. Other Information You Provide

Voluntary Information: Any information you voluntarily provide, such as survey responses, feedback, or customer support inquiries.

2. How We Use Your Information

We use your information for the following purposes:

a. To Provide and Improve Services

• Facilitate transactions, manage Chama contributions, and enable automated savings and investment options.
• Customize user experience based on preferences and usage patterns.

b. To Communicate with You

• Send transactional notifications (e.g., payment confirmations, alerts) and updates related to your account.
• Respond to inquiries, provide customer support, and send service-related messages.
• Send promotional offers, newsletters, and other marketing content if you opt-in.

c. To Enhance Security and Prevent Fraud

• Monitor and analyze activity to identify and prevent potential fraudulent, unauthorized, or illegal actions.
• Verify identity, maintain account security, and comply with legal and regulatory requirements.

d. To Conduct Analytics and Research

• Analyze usage trends to improve platform performance and functionality.
• Conduct internal research and statistical analysis to understand user behavior and optimize our services.

3. Sharing Your Information

We may share your information in specific scenarios as outlined below:

a. With Service Providers

Third-party service providers who perform functions on our behalf, such as payment processing, cloud storage, analytics, and email services. These providers have access only to the data needed to perform their functions.

b. With Affiliates and Partners

Affiliates and business partners, including financial service providers, for services and features integrated into the chamaZetu platform.

c. For Legal Compliance and Protection

To comply with legal obligations, such as responding to lawful requests or court orders, enforcing our Terms of Service, or protecting the rights and safety of our users, employees, and partners.

d. With Consent

If you provide explicit consent, we may share your information as specified at the time of consent.

4. Data Security

We prioritize the security of your data and employ the following measures:

• Encryption: We use encryption to protect sensitive data during transmission and at rest.
• Access Controls: Access to personal data is restricted to authorized personnel only.
• Regular Audits: We conduct periodic security assessments to identify and mitigate vulnerabilities.

Despite our efforts, no security measures are foolproof. We cannot guarantee the absolute security of your data, and you share information at your own risk.

5. Data Retention

chamaZetu retains your data only as long as necessary to fulfill the purposes for which it was collected or as required by law. Retention periods vary based on the type of data and purpose, and are as follows:

• Transactional Data: Retained for as long as required for financial reporting and regulatory compliance.
• Account Data: Retained as long as your account is active, plus any additional period required for legal or regulatory obligations.
• Marketing Data: Retained until you unsubscribe from marketing communications or withdraw consent.

6. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your data:

• Right to Access: Request access to your personal data and obtain a copy.
• Right to Rectification: Correct inaccurate or incomplete data.
• Right to Erasure: Request deletion of personal data when it is no longer necessary for the purposes for which it was collected.
• Right to Restrict Processing: Request that we limit the processing of your data under certain conditions.
• Right to Data Portability: Receive your data in a structured, commonly used, and machine-readable format, and request that we transfer it to another organization.
• Right to Withdraw Consent: Withdraw consent for data processing at any time (where processing is based on consent).

To exercise these rights, please contact us at [Contact Information]. We may request verification of your identity before fulfilling your request.

7. Third-Party Links and Integrations

chamaZetu may contain links to third-party websites or services. This Privacy Policy does not apply to third-party practices, and we are not responsible for the privacy practices or content of third-party sites. We encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

chamaZetu is not directed at children under the age of 18, and we do not knowingly collect information from minors. If we become aware that we have collected data from a minor without parental consent, we will delete such information promptly.

9. International Data Transfers

chamaZetu may transfer your data to servers located in countries outside of your jurisdiction. Where we transfer data internationally, we ensure adequate protection is provided as required by applicable laws, such as standard contractual clauses or other safeguards.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes via email or platform notifications. Your continued use of chamaZetu after these changes take effect constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or wish to exercise your rights, please contact us at:

Email: support@chamaZetu.com

Phone: +254720090889

Address: A4 Mountain Road, Kahawa West, Nairobi, Kenya