Privacy Policy

1. Information We Collect

We collect information you provide directly to us when you create an account, including:

• Full name and phone number
• Group membership information
• Financial transaction records (contributions, loans, penalties)
• Payment information and receipts

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain our savings group management services
• Process your contributions, loans, and payments
• Send you notifications about group activities and payment reminders
• Generate financial reports and statements
• Communicate with you about your account

3. Data Sharing

Your information is shared only with members of your group and group administrators. We do not sell your personal information to third parties. We may share data with:

• Group members (name, contribution status, loan status)
• Group administrators (full financial records for group management)
• Payment processors (for M-Pesa and other payment methods)

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. All sensitive data is encrypted in transit and at rest.

5. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your account
• Export your data
• Withdraw consent for data processing

6. Account Deletion

You can delete your account at any time from the Account Settings page. Upon deletion, all your personal information will be permanently removed from our servers. Please note that this action cannot be undone.

7. Children's Privacy

Our service is not intended for users under the age of 18. We do not knowingly collect information from children under 18.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

9. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us through the app's support feature.