Privacy Policy
Last updated: February 21, 2026
1. Introduction
Zamio ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Platform located at zamio.co.ke.
Please read this Privacy Policy carefully. By using our Platform, you consent to the data practices described in this policy.
2. Information We Collect
2.1 Information You Provide
We collect information that you voluntarily provide when you:
- Register for an account (phone number, full name, password)
- Create or join a chama (chama details, member information)
- Record transactions (contribution amounts, payout information)
- Update your profile (contact information, preferences)
- Contact us for support
2.2 Automatically Collected Information
When you use our Platform, we may automatically collect:
- Device information (device type, operating system, browser type)
- Usage data (pages visited, features used, time spent)
- IP address and approximate location
- Log data (access times, error logs)
2.3 Phone Number Verification
We use your phone number for authentication and account verification. OTP (One-Time Password) codes are sent via SMS or WhatsApp to verify your identity. These codes are temporary and expire after use.
3. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve our Platform services
- Authenticate your identity and secure your account
- Process and record your chama transactions
- Send you notifications about your chama activities and account updates
- Respond to your inquiries and provide customer support
- Monitor and analyze Platform usage and trends
- Detect, prevent, and address technical issues and security threats
- Comply with legal obligations and enforce our Terms of Service
4. Information Sharing and Disclosure
4.1 Within Your Chama
Information you share within a chama (such as your name, contributions, and transaction history) is visible to other members and administrators of that chama group.
4.2 Service Providers
We may share your information with third-party service providers who perform services on our behalf, such as:
- Cloud hosting and database services
- SMS and WhatsApp messaging services for OTP delivery
- Analytics and monitoring services
These service providers are contractually obligated to protect your information and use it only for the purposes we specify.
4.3 Legal Requirements
We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
4.4 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
4.5 We Do Not Sell Your Data
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
5. Data Security
We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit and at rest
- Secure authentication and password hashing
- Regular security assessments and updates
- Access controls and authentication mechanisms
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
When you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal, accounting, or regulatory purposes.
7. Your Rights and Choices
You have the following rights regarding your personal information:
- Access: You can access and review your personal information through your account settings
- Correction: You can update or correct your personal information at any time
- Deletion: You can request deletion of your account and personal information
- Withdrawal: You can withdraw your consent for certain data processing activities
- Portability: You can request a copy of your data in a portable format
To exercise these rights, please contact us using the contact information provided at the end of this policy.
8. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to track activity on our Platform and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Platform.
9. Children's Privacy
Our Platform is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
10. International Data Transfers
Your information may be transferred to and maintained on computers located outside of Kenya. By using our Platform, you consent to the transfer of your information to these facilities. We will ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.
11. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.
12. Compliance with Kenyan Law
This Privacy Policy is designed to comply with applicable Kenyan data protection laws and regulations, including the Data Protection Act, 2019. We are committed to protecting your privacy rights as provided under Kenyan law.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Email: aminofab@gmail.com
Website: https://zamio.co.ke
We will respond to your inquiry within a reasonable timeframe in accordance with applicable law.