Privacy Policy for Kazna Financial Technology

1. Introduction

Welcome to Kazna Financial Technology ("Kazna," "we," "us," or "our"). 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 visit our website, use the Kazna Equb mobile application, or otherwise interact with our financial services (collectively, the "Services").

By accessing or using our Services, you consent to the data practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Services.

2. Information We Collect

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products, or otherwise contact us.

2.1 Personal Information

• Identification Information: Name, date of birth, national ID number, passport number, or other government-issued identification.
• Contact Information: Email address, phone number, and physical or mailing address.
• Profile Data: Profile picture, username, and password.

2.2 Financial Information

To facilitate our Equb (rotating savings and credit) services and other financial products, we must collect:

• Bank account details, mobile money account numbers, and routing information.
• Transaction history, contribution logs, and payout records within the Kazna platform.
• Credit history or income information (if applicable for certain credit-scoring features).

2.3 Automatically Collected Information

When you access our Services, we may automatically collect certain information, including:

• Device Data: Device Model, Operating System version, unique device identifiers, and mobile network information.
• Usage Data: Information about how you interact with our application, such as access times, pages viewed, and the routes by which you access our Services.
• Location Data: With your permission, we may collect precise geolocation data to prevent fraud and provide localized services.

3. How We Use Your Information

We use the information we collect or receive for various business and compliance purposes, including:

• To Provide and Manage Your Account: Creating and securing your account, processing your Equb contributions, managing rotating payouts, and facilitating withdrawals.
• To Improve our Services: Analyzing user behavior to enhance user experience, develop new features, and perform technical troubleshooting.
• For Compliance and Fraud Prevention: Verifying your identity (KYC/AML procedures), monitoring for fraudulent or illegal activity, and complying with applicable financial regulations.
• To Communicate with You: Sending transactional emails/SMS (e.g., payout notifications, payment reminders), administrative information, and marketing communications (which you can opt out of at any time).

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following situations:

• Other Equb Members: As part of the core functionality of a group savings model (Equb), limited information (such as your name or username and payment status) may be visible to other members within your specific Equb group.
• Service Providers: We may share data with third-party vendors, such as payment processors, mobile money operators, identity verification services, and cloud hosting providers.
• Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.
• Business Transfers: If Kazna is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction.

5. Data Security

We implement a variety of industry-standard security measures to maintain the safety of your personal and financial information. This includes encryption (such as SSL/TLS), secure server hosting, and regular security audits. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

6. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access and Portability: The right to request copies of your personal information.
• Correction: The right to request that we correct any information you believe is inaccurate or incomplete.
• Deletion: The right to request that we erase your personal data, subject to certain exceptions (e.g., data required for anti-money laundering compliance).
• Opt-Out: The right to opt-out of marketing communications by following the unsubscribe link in our emails or adjusting your account settings.

7. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal and financial compliance requirements).

8. Children's Privacy

Our Services are not designed for or directed at children under the age of 18. We do not knowingly collect personal information from individuals under 18. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date at the top of this document. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

10. Contact Us

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