Privacy Policy for M-Chama

Welcome to M-Chama. This privacy policy explains how we collect, use, and protect your information when you use our mobile application.

1. Information Collection

M-Chama is designed to help self-help groups manage their data without requiring individual user accounts. We collect and process the following information:

• Group member information (names and related details)
• Savings records
• Loan information
• Attendance records

The app only requires internet permission to function, which is used solely for synchronizing data with our secure remote servers.

2. How We Use Your Information

The information collected is used exclusively for:

• Facilitating group management functions
• Synchronizing data between the app and our secure servers
• Improving our services and app functionality
• Providing technical support when needed

3. Data Storage and Security

We take data security seriously and implement appropriate measures to protect your information:

• All data is encrypted during transmission
• We use secure servers to store your information
• Access to data is strictly controlled and monitored
• Regular security audits are performed to ensure data protection

4. Data Sharing

We do not share your personal information with third parties except:

• When required by law
• To protect our rights or property
• To prevent fraud or security issues
• With your express consent

5. User Rights

Groups have the right to:

• Access their data
• Request corrections to their information
• Request data deletion (subject to legal requirements)
• Receive an export of their data

6. Changes to This Policy

We may update this privacy policy from time to time. We will notify users of any material changes through the app or via email. Continued use of the app after such modifications constitutes acceptance of the updated policy.

7. Children's Privacy

Our services are not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13.