1. Introduction
Jazisha Technologies Ltd ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our platform ("Jazisha" or "Service").
By using Jazisha, you agree to the collection and use of information in accordance with this policy. We comply with the Kenya Data Protection Act, 2019 and other applicable privacy laws.
🔐 Our Commitment: We are committed to protecting your personal data and ensuring transparency in how we handle your information.
2.1 Personal Information You Provide
- Registration Information: Name, email address, phone number, ID number, and Chama details
- Profile Information: Profile picture, preferences, and personal details
- Financial Information: Transaction history, contributions, loans, and payment details
- Communications: Messages, notifications, and support requests
2.2 Information Automatically Collected
- Device Information: IP address, browser type, device type, and operating system
- Usage Data: Pages visited, features used, time spent, and interactions
- Location Data: Approximate location based on IP address
- Cookies: Information stored on your device to improve your experience
2.3 Information from Third Parties
- M-Pesa: Transaction confirmations and payment details
- Other Services: Information from integrated services you choose to connect
3. How We Use Your Information
We use your information to:
- Provide and Maintain the Service: Manage your account, process transactions, and deliver features
- Improve the Service: Analyze usage patterns and enhance user experience
- Communicate with You: Send notifications, updates, and support messages
- Security: Protect against fraud, unauthorized access, and ensure platform security
- Legal Compliance: Fulfill legal obligations and respond to lawful requests
- Analytics: Understand how users interact with the platform
📊 Data Usage: We use your data to provide a personalized and secure experience. We never sell your personal information to third parties.
We share your information only in the following circumstances:
- Within Your Chama: Information is shared with other members of your Chama as necessary for Chama operations
- Service Providers: Trusted third-party vendors who assist in operating the Service (e.g., hosting, payment processing)
- Legal Requirements: When required by law or to protect rights, property, or safety
- With Your Consent: When you give explicit permission
4.1 Chama Member Information
Within your Chama, certain information is visible to other members:
- Name and profile information
- Contribution history
- Loan status (not personal financial details)
- Participation in Chama activities
5. Data Security
We implement security measures to protect your personal information:
- Encryption: SSL/TLS encryption for all data transmission
- Access Control: Role-based access and authentication
- Secure Storage: Data stored in secure, encrypted databases
- Regular Audits: Security assessments and vulnerability testing
- Two-Factor Authentication: Optional 2FA for added security
- Data Backup: Regular automated backups to prevent data loss
🛡️ Security Tip: We recommend enabling Two-Factor Authentication (2FA) and using a strong, unique password for your account.
6. Your Rights
Under the Kenya Data Protection Act, 2019, you have the following rights:
- Right to Access: Request a copy of your personal data
- Right to Rectification: Correct inaccurate or incomplete data
- Right to Erasure: Request deletion of your data (subject to legal requirements)
- Right to Restrict Processing: Limit how your data is used
- Right to Data Portability: Receive your data in a machine-readable format
- Right to Object: Object to certain types of data processing
- Right to Withdraw Consent: Withdraw consent at any time
To exercise any of these rights, contact us at support@jazisha.co.ke.
7. Cookies
We use cookies and similar tracking technologies to:
- Maintain your session and authentication
- Remember your preferences
- Analyze how you use the Service
- Improve your user experience
You can control cookie settings in your browser. However, disabling cookies may limit some functionality.
8. Third-Party Services
We use trusted third-party services to provide the Service:
- M-Pesa (Safaricom): Payment processing and STK Push notifications
- Hosting Providers: Cloud infrastructure and data storage
- Analytics Services: Usage analysis and performance monitoring
- Email Services: Communication and notification delivery
These third-party services have their own privacy policies and terms. We recommend reviewing them.
9. Children's Privacy
Jazisha is not intended for children under 18 years of age. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.
10. International Data Transfers
Your information may be transferred to and stored on servers located outside of Kenya. We ensure that appropriate safeguards are in place for such transfers, in compliance with applicable data protection laws.
11. Data Retention
We retain your personal information for as long as:
- Your account is active
- Necessary to provide the Service
- Required to comply with legal obligations
- Necessary to resolve disputes or enforce agreements
When data is no longer needed, we securely delete or anonymize it.
12. Changes to Privacy Policy
We may update this Privacy Policy from time to time. We will notify users of material changes by:
- Posting the updated policy on this page
- Sending a notification to registered users
- Updating the "Last Updated" date at the top of this page
Your continued use of the Service after changes constitutes acceptance of the new Privacy Policy.
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us: