KIKOBA Smart
Privacy Policy
KIKOBA Smart ("we", "us", "our") provides software that helps savings and lending groups (vikoba) manage members, savings, loans, repayments, meetings, and group communications. This Privacy Policy explains what information we collect, how we use it, and the choices you have. It applies to our mobile app, web portal, and related services (together, the "Service").
1. Information we collect
Information you provide
- Account data: full name, phone number, email address, password/PIN, and your role in a group.
- Group & financial data: savings contributions, loan applications, repayments, balances, meeting records, and announcements you create or that are recorded about you by your group leaders.
- Payment data: the mobile-money phone number used for contributions, subscription, or member fees. Payments are processed by our payment partner; we do not store full mobile-money credentials.
- Support data: messages you send us for help or feedback.
Information collected automatically
- Device & usage data: device model, operating system, app version, and a push notification token used to deliver alerts.
- Log data: basic technical logs (e.g. IP address, timestamps) used for security and reliability.
2. How we use your information
- To create and manage your account and your group's records.
- To process contributions, loans, repayments, and subscription or member fees.
- To send transactional SMS, in-app, and push notifications (e.g. payment confirmations, loan reminders, meeting alerts).
- To provide reports and statements to you and authorised group leaders.
- To secure the Service, prevent fraud, and meet legal obligations.
- To respond to your support requests and improve the Service.
3. How we share information
We do not sell your personal data. We share it only as needed to run the Service:
- Within your group: authorised leaders (e.g. chairperson, treasurer) can see member savings, loan, and repayment records as required to run the group.
- Service providers: payment processors (mobile money), SMS delivery, push notification (Google Firebase Cloud Messaging), and hosting providers, only to perform services for us.
- Legal: when required by law, regulation, or valid legal request.
4. Data retention
We keep your information for as long as your account or group is active, and as needed to comply with legal, accounting, or reporting obligations. You may request deletion of your account (see Section 7).
5. Security
We use encryption in transit, access controls, and role-based permissions to protect your data. No method of transmission or storage is completely secure, but we work to protect your information against unauthorised access.
6. Children
The Service is intended for adults (18+) managing or participating in savings groups. We do not knowingly collect data from children.
7. Your rights and choices
- Access, correct, or update your account information in the app or portal.
- Request a copy or deletion of your personal data by contacting us.
- Turn off push notifications in your device settings.
To exercise any of these rights, email support@kikobasmart.co.tz.
8. Changes to this policy
We may update this Privacy Policy from time to time. We will post the new version here and update the "Last updated" date. Continued use of the Service after changes means you accept the updated policy.
9. Contact us
KIKOBA Smart
Email: support@kikobasmart.co.tz
Dar es Salaam, Tanzania
Sera ya Faragha
KIKOBA Smart ("sisi", "yetu") hutoa programu inayosaidia vikundi vya akiba na mikopo (vikoba) kusimamia wanachama, akiba, mikopo, marejesho, mikutano, na mawasiliano ya kikundi. Sera hii ya Faragha inaeleza taarifa tunazokusanya, jinsi tunavyozitumia, na chaguo ulizonazo. Inahusu programu yetu ya simu, tovuti ya portal, na huduma zinazohusiana (kwa pamoja, "Huduma").
1. Taarifa tunazokusanya
Taarifa unazotoa
- Taarifa za akaunti: jina kamili, namba ya simu, barua pepe, nenosiri/PIN, na nafasi yako kwenye kikundi.
- Taarifa za kikundi na fedha: michango ya akiba, maombi ya mikopo, marejesho, salio, kumbukumbu za mikutano, na matangazo unayotengeneza au yanayowekwa kukuhusu na viongozi wa kikundi chako.
- Taarifa za malipo: namba ya simu ya pesa za mtandao inayotumika kwa michango, ada, au usajili. Malipo huchakatwa na mshirika wetu wa malipo; hatuhifadhi taarifa kamili za pesa za mtandao.
- Taarifa za usaidizi: ujumbe unaotutumia kwa msaada au maoni.
Taarifa zinazokusanywa kiotomatiki
- Taarifa za kifaa na matumizi: aina ya kifaa, mfumo wa uendeshaji, toleo la programu, na tokeni ya arifa za push kwa ajili ya kutuma taarifa.
- Taarifa za kumbukumbu: kumbukumbu za kiufundi (mfano anwani ya IP, muda) kwa usalama na uthabiti.
2. Jinsi tunavyotumia taarifa zako
- Kutengeneza na kusimamia akaunti yako na kumbukumbu za kikundi chako.
- Kuchakata michango, mikopo, marejesho, na ada au usajili.
- Kutuma SMS, arifa za ndani ya programu, na push (mfano uthibitisho wa malipo, vikumbusho vya mikopo, taarifa za mikutano).
- Kutoa ripoti na taarifa kwako na kwa viongozi walioidhinishwa.
- Kulinda Huduma, kuzuia udanganyifu, na kutimiza wajibu wa kisheria.
- Kujibu maombi yako ya usaidizi na kuboresha Huduma.
3. Jinsi tunavyoshiriki taarifa
Hatuuzi taarifa zako binafsi. Tunazishiriki tu pale inapohitajika kuendesha Huduma:
- Ndani ya kikundi chako: viongozi walioidhinishwa (mfano mwenyekiti, mweka hazina) wanaweza kuona kumbukumbu za akiba, mikopo, na marejesho ya wanachama kama inavyohitajika kuendesha kikundi.
- Watoa huduma: wachakataji malipo (pesa za mtandao), watoa huduma za SMS, arifa za push (Google Firebase Cloud Messaging), na watoa huduma za seva, kwa ajili ya kutuhudumia tu.
- Kisheria: pale inapohitajika na sheria, kanuni, au ombi halali la kisheria.
4. Uhifadhi wa taarifa
Tunahifadhi taarifa zako kwa muda akaunti au kikundi chako kinapokuwa hai, na kama inavyohitajika kutimiza wajibu wa kisheria au uhasibu. Unaweza kuomba kufutwa kwa akaunti yako (ona Sehemu ya 7).
5. Usalama
Tunatumia usimbaji wakati wa usafirishaji, udhibiti wa ufikiaji, na ruhusa kulingana na nafasi kulinda taarifa zako. Hakuna njia ya usafirishaji au uhifadhi iliyo salama kabisa, lakini tunafanya kazi kulinda taarifa zako.
6. Watoto
Huduma imekusudiwa kwa watu wazima (miaka 18+) wanaosimamia au kushiriki kwenye vikundi vya akiba. Hatukusanyi taarifa za watoto kwa makusudi.
7. Haki na chaguo zako
- Fikia, sahihisha, au sasisha taarifa za akaunti yako kwenye programu au portal.
- Omba nakala au kufutwa kwa taarifa zako binafsi kwa kuwasiliana nasi.
- Zima arifa za push kwenye mipangilio ya kifaa chako.
Kutekeleza haki hizi, tuma barua pepe support@kikobasmart.co.tz.
8. Mabadiliko ya sera hii
Tunaweza kusasisha Sera hii mara kwa mara. Tutaweka toleo jipya hapa na kusasisha tarehe ya "Imesasishwa". Kuendelea kutumia Huduma baada ya mabadiliko kunamaanisha umekubali sera iliyosasishwa.
9. Wasiliana nasi
KIKOBA Smart
Barua pepe: support@kikobasmart.co.tz
Dar es Salaam, Tanzania