Privacy Policy

1. Information We Collect

When you register, we collect your name, email address, phone number, and the club or savings goal you select. This information is necessary to set up your Mobile Money auto-deduction plan.

2. How We Use Your Information

• To process your automatic Mobile Money contributions.
• To send OTP verification and payment reminder SMS/emails.
• To provide you with a contribution history and savings dashboard.
• To notify your club admin of contributions made in their name.

3. Data Sharing

We do not sell, rent, or share your personal data with third parties except as required to process payments through Mobile Money operators (MTN Rwanda), or as required by applicable Rwandan law.

4. Data Security

All data is transmitted over HTTPS. Passwords are hashed using bcrypt and are never stored in plain text. JWT tokens expire after 24 hours and must be refreshed. OTP codes expire after 10 minutes.

5. Your Rights

You may request access to, correction of, or deletion of your personal data at any time by contacting us at the address below. Account deletion will cancel all pending contribution plans.

6. Cookies

We use only essential session-related storage (localStorage / sessionStorage) to keep you signed in. We do not use advertising or tracking cookies.

7. Contact

For privacy-related queries, please contact us via the Contact page or email us directly.