Privacy Policy

1. Introduction

Welcome to ChamaPro ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our chama management platform.

By using ChamaPro, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We collect information that you provide directly to us, including:

• Name and contact information (email address, phone number)
• Account credentials (password, authentication tokens)
• Profile information (profile picture, role within your chama)
• Financial information (contribution amounts, loan records, payment history)
• Chama details (chama name, membership information, meeting schedules)

2.2 Information from Social Login

When you choose to sign in using social login providers (Google, Facebook, or Twitter/X), we may receive:

• Your name and email address
• Profile picture URL
• Unique identifier from the social platform

2.3 Automatically Collected Information

We automatically collect certain information when you use our platform:

• Device information (browser type, operating system)
• IP address and location data
• Usage data (pages visited, features used, time spent)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our chama management services
• To process contributions, loans, and other financial transactions
• To send notifications about meetings, payments, and important updates
• To authenticate your identity and secure your account
• To generate reports and analytics for your chama
• To improve our platform and develop new features
• To communicate with you about service updates and support
• To comply with legal obligations

4. Information Sharing

We may share your information in the following circumstances:

4.1 Within Your Chama

Your name, contact information, contribution history, and loan status may be visible to other members and administrators of your chama as necessary for chama operations.

4.2 Service Providers

We may share information with third-party service providers who perform services on our behalf, including payment processors (M-Pesa/Safaricom), email services, and cloud hosting providers.

4.3 Legal Requirements

We may disclose information if required by law, regulation, legal process, or governmental request.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure password hashing
• Regular security audits and updates
• Access controls and authentication requirements
• Secure cloud infrastructure

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. We may retain certain information as required by law or for legitimate business purposes, such as maintaining financial records for tax and audit purposes.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Request transfer of your data in a portable format
• Objection: Object to certain processing of your data

To exercise these rights, please contact us at privacy@chamapro.co.ke

8. Cookies

We use cookies and similar technologies to maintain your session, remember your preferences, and improve your experience. You can control cookies through your browser settings, but disabling them may affect the functionality of our platform.

9. Children's Privacy

ChamaPro is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us.

10. 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. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: