Privacy Policy for Chama Circles

Effective Date: [email protected]
Contact: +254 710 953 169

At Chama Circles, your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website or mobile platform.

1. Information We Collect

When you register or use Chama Circles, we collect the following personal data:

• Full Name
• Phone Number
• Email Address
• National ID Number

This information is collected to verify identity, facilitate group membership, enable secure transactions, and manage your account.

2. How We Use Your Information

We use your information to:

• Verify your identity;
• Create and manage your Chama Circles account;
• Facilitate group contributions and disbursements;
• Send transactional alerts and updates;
• Respond to customer service inquiries;
• Improve the platform’s functionality and user experience.

We do not sell or share your personal data with third parties for marketing purposes.

3. Data Sharing

We may share your information only with:

• Mobile money providers (e.g., M-Pesa) to process contributions or payouts;
• Legal authorities, if required by law or court order;
• Technical service providers, solely to enable platform functionality (e.g., SMS/email notifications).

4. Data Security

We implement reasonable technical and organizational measures to protect your data from unauthorized access, loss, or misuse. These include:

• Encrypted communications;
• Secure access controls;
• Regular platform updates and audits.

5. Your Rights

You have the right to:

• Access the personal data we hold about you;
• Request correction of inaccurate data;
• Request deletion of your data (subject to legal and operational obligations);
• Withdraw consent for non-essential communications.

To exercise these rights, contact us at +254 710 953 169 or email us at [email protected].

6. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.

7. Children’s Privacy

Chama Circles is not intended for individuals under the age of 18. We do not knowingly collect personal data from minors.

8. Policy Updates

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you through the platform or other means.

9. Contact Us

Chama Circles
Phone: +254 710 953 169
Website: www.chamacircles.com
Email: [email protected]