Privacy Policy

1. Introduction

Welcome to JamiiGrow ("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 platform for managing community groups, welfare societies, and self-help organizations.

2. Information We Collect

2.1 Personal Information

When you register or use JamiiGrow, we may collect:

• Contact information (name, email address, phone number)
• Identification information (ID number, passport number)
• Demographic information (date of birth, gender, marital status)
• Address information (physical and postal addresses)
• Occupation and employment details
• Profile photos and identification documents

2.2 Financial Information

• M-Pesa transaction details and phone numbers
• Contribution and payment records
• Loan application and repayment information
• Bank account information for disbursements

2.3 Group-Related Information

• Group membership details and roles
• Meeting attendance and participation
• Voting records and election participation
• Support requests and contributions
• Dependant and next-of-kin information

2.4 Technical Information

• IP address and browser information
• Device information and operating system
• Log data and usage patterns
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide and manage group membership services
• Process contributions, loans, and welfare payments
• Facilitate M-Pesa and mobile money transactions
• Send notifications about group activities and events
• Generate reports and membership cards
• Comply with legal and regulatory requirements (KRA, Registrar of Societies)
• Prevent fraud and ensure platform security
• Improve our services and user experience
• Provide customer support

4. Information Sharing and Disclosure

4.1 Within Your Group

Your information is shared with group administrators and members as necessary for group operations. Group admins can view member details, contribution history, and participation records.

4.2 Service Providers

We share information with trusted third parties who help us operate our platform:

• Safaricom M-Pesa for payment processing
• SMS and WhatsApp providers for notifications
• Cloud hosting and data storage providers
• Email service providers

4.3 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal obligations (KRA tax requirements, court orders)
• Protect our rights and property
• Prevent fraud or illegal activities
• Protect user safety

4.4 Business Transfers

If JamiiGrow is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement appropriate security measures to protect your information:

• Encryption of sensitive data (passwords, M-Pesa credentials)
• Secure HTTPS connections
• Regular security audits and updates
• Access controls and authentication
• Data backup and disaster recovery procedures

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but strive to use commercially acceptable means to protect your data.

6. Data Retention

We retain your information for as long as:

• Your account remains active
• Needed to provide services to your group
• Required by law (tax records, audit trails)
• Necessary to resolve disputes or enforce agreements

Group financial records are retained for a minimum of 7 years to comply with Kenyan tax law.

7. Your Rights

You have the right to:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account (subject to legal retention requirements)
• Objection: Object to certain data processing activities
• Data Portability: Request your data in a portable format
• Withdraw Consent: Withdraw consent for optional data processing

To exercise these rights, contact your group administrator or email us at privacy@jamiigrow.com

8. Cookies and Tracking

We use cookies and similar technologies to:

• Keep you logged in
• Remember your preferences
• Analyze platform usage
• Improve functionality

You can control cookies through your browser settings, but some features may not work without them.

9. Children's Privacy

JamiiGrow is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. Dependant information is collected only for legitimate welfare and insurance purposes and is protected under parental/guardian accounts.

10. International Data Transfers

Your information is primarily stored and processed in Kenya. If transferred internationally, we ensure appropriate safeguards are in place to protect your data in accordance with applicable data protection laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Effective Date." Continued use of JamiiGrow after changes constitutes acceptance of the updated policy. For material changes, we will notify users via email or platform notification.

12. Contact Us

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

JamiiGrow Support
Email: support@jamiigrow.com
Phone: +254797662610
WhatsApp: 254797662610