<h4>1. Introduction</h4>

<p>This Privacy Policy explains how we collect, use, store, and protect your information when you use our platform and related services. We provide a financial management platform for institutions such as SACCOs, microfinance institutions, and cooperatives. By using our services, you agree to the practices described in this policy. We may update this policy from time to time; we will notify you of material changes where required.</p>

<h4>2. Information we collect</h4>

<p>We collect information that you or your institution provide directly, and information that is generated when you use our services.</p>

<ul>

<li><strong>Account and registration:</strong> Name, email address, phone number, institution name, branch, role, and other details you give when registering or updating your profile.</li>

<li><strong>Member and transaction data:</strong> Information about members, savings, loans, repayments, expenses, and other operational data that you or your staff enter into the platform.</li>

<li><strong>Usage and technical data:</strong> Log-in times, IP address, device and browser type, and actions taken within the platform (e.g. for security and audit purposes).</li>

<li><strong>Communications:</strong> Emails, support messages, and other correspondence you send to us.</li>

</ul>

<h4>3. How we use your information</h4>

<p>We use the information we collect to:</p>

<ul>

<li>Provide, operate, and maintain the platform (savings, loans, treasury, reporting, member management).</li>

<li>Process transactions and maintain records required for your operations and for legal or regulatory compliance.</li>

<li>Communicate with you about your account, updates, security, and support.</li>

<li>Improve our services, fix errors, and develop new features.</li>

<li>Protect against fraud, abuse, and security risks, and to enforce our terms.</li>

<li>Comply with applicable laws, regulations, court orders, or requests from regulators.</li>

</ul>

<p>We do not sell your personal data to third parties for their marketing. We may share data with service providers who assist us in running the platform (e.g. hosting, email), under strict confidentiality and data protection obligations.</p>

<h4>4. Legal basis (where applicable)</h4>

<p>We process your data where necessary to perform our contract with you or your institution, to comply with legal obligations, to protect legitimate interests (e.g. security, fraud prevention), or with your consent where consent is required by law.</p>

<h4>5. Data retention</h4>

<p>We retain your information for as long as your account is active or as needed to provide services, and for a further period where required for legal, regulatory, audit, or dispute-resolution purposes. You may request deletion of personal data where the law permits; some data may need to be retained for legal or regulatory reasons.</p>

<h4>6. Security</h4>

<p>We use technical and organisational measures to protect your data, including access controls, encryption where appropriate, and monitoring. Access to data is restricted to authorised personnel and is logged for audit. You are responsible for keeping your login credentials secure and for the actions of users who access the platform through your institution's account.</p>

<h4>7. Your rights</h4>

<p>Depending on applicable law, you may have the right to:</p>

<ul>

<li>Access the personal data we hold about you.</li>

<li>Request correction of inaccurate or incomplete data.</li>

<li>Request deletion of your personal data (subject to legal and contractual limits).</li>

<li>Object to or restrict certain processing.</li>

<li>Data portability, where technically feasible.</li>

<li>Withdraw consent where processing is based on consent.</li>

<li>Lodge a complaint with a supervisory authority.</li>

</ul>

<p>To exercise these rights or for any question about this policy or your data, contact us using the details provided by your institution or on this website.</p>

<h4>8. Third-party links and services</h4>

<p>Our platform or communications may contain links to third-party websites or services. This policy does not apply to those third parties. We encourage you to read their privacy policies before providing them with any information.</p>

<h4>9. International transfer</h4>

<p>Your data may be stored or processed in countries other than your country of residence. We ensure appropriate safeguards are in place where required by law for such transfers.</p>

<h4>10. Contact</h4>

<p>For privacy-related questions, requests, or complaints, please contact us using the contact information provided by your institution or on this site. We will respond in accordance with applicable law.</p>