1. Information We Collect

We may collect:

• Full name
• National ID / Passport number
• KRA PIN
• Phone number and email
• Financial transaction records
• Device and usage data
• Biometric verification data (if required)

2. Purpose of Processing

Your data is processed to:

• Facilitate Sacco membership
• Process financial transactions
• Comply with regulatory obligations
• Prevent fraud
• Improve system performance

3. Legal Basis

Processing is based on:

• Contractual necessity
• Legal obligation
• Legitimate interest
• Consent (where required)

4. Data Sharing

We do not sell personal data.

We may share data with:

• Regulatory authorities
• Banking and payment providers
• Technology partners
• Auditors (where required)

5. Data Retention

Data is retained in accordance with:

• Kenyan cooperative regulations
• Financial reporting laws
• Anti-money laundering requirements

6. Data Security

We implement:

• Encryption
• Role-based access controls
• Audit logging
• Secure hosting infrastructure

7. Your Rights

You have the right to:

• Access your personal data
• Request corrections
• Object to certain processing
• Request deletion (where legally permissible)

8. Contact

Email: office@jiinue.com