Privacy Policy

1. Introduction

Welcome to Kwachafin ("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 village banking platform.

2. Information We Collect

2.1 Personal Information

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

• Name, email address, and phone number
• National ID or other identification documents (for KYC verification)
• Profile photo
• Financial information (account balances, transaction history)
• Group membership and participation data

2.2 Automatically Collected Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Location data (with your permission)

3. How We Use Your Information

We use your information to:

• Provide and maintain our village banking services
• Process your financial transactions securely
• Verify your identity (KYC compliance)
• Send you notifications about your account and transactions
• Communicate with you about groups, loans, and contributions
• Improve our services and develop new features
• Comply with legal obligations and prevent fraud
• Send subscription reminders and payment receipts

4. Information Sharing and Disclosure

We may share your information with:

• Group Members: Your name, photo, and contribution/loan information is visible to other members of groups you join
• Payment Processors: We share necessary information with Lenco and other payment providers to process transactions
• Service Providers: Third-party services that help us operate our platform (email delivery, hosting, analytics)
• Legal Authorities: When required by law or to protect our rights and users' safety

We do not sell your personal information to third parties.

5. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure authentication and authorization
• Regular security audits and monitoring
• Access controls and audit logs

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your information (subject to legal requirements)
• Object to or restrict certain processing of your information
• Export your data in a portable format
• Withdraw consent for data processing

To exercise these rights, please contact us at privacy@kwachafin.com

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Financial transaction records are retained for at least 7 years as required by law.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

9. International Data Transfers

Your information may be transferred to and processed in countries other than Zambia. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Changes to This Policy

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

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at: