Privacy Policy

Effective date: 17 August 2026

Information we process

Vozua Chama may process account details, contact information, group membership records, contribution and loan records, meeting activity, device/session information, payment references and SMS activity required to provide the service.

How information is used

Information is used to authenticate users, operate private group workspaces, record group activity, facilitate requested payment and SMS services, produce reports, prevent abuse, provide support and maintain security and audit records.

Group privacy and access

Each group is treated as a separate workspace. Access is controlled by group membership and user role. Group administrators are responsible for assigning appropriate permissions to their officials and members.

Service providers

When you request a supported payment or SMS action, the minimum information needed for that action may be sent to Vozua Pay, Vozua SMS, mobile-money/payment providers or infrastructure providers used to deliver the service. Vozua Chama does not sell personal data to advertisers.

Security

We use role-based access, secure password hashing, server-side validation, tenant separation, transaction approvals, audit logs and other technical controls designed to protect account and financial records.

Retention and deletion

You may request deletion of your account from inside the app or through the public account-deletion page. We delete or anonymise eligible account data after ownership and request scope are verified. Some transaction, security or accounting records may be retained where reasonably required for legal, fraud-prevention, dispute or record-keeping obligations.

Your data protection rights

Subject to applicable law and the nature of the record, you may ask to be informed about how your data is used, access your personal data, correct inaccurate information, request erasure, object to or restrict certain processing, and request portability where applicable. A member may also contact the relevant group administrator for correction of group-managed records.

Requests and complaints

Privacy, access, correction or deletion requests can be submitted through the available account controls or by contacting support@vozua.com. We may verify identity before acting on a request. You may also exercise any complaint rights available to you under applicable data-protection law.

Updates

This policy may be updated when the service, legal requirements or processing practices change. The effective date shown above identifies the current published version.