Posted: February 17th, 2022
MyChama is a one-stop-shop digital platform where chamas and groups can make all their transactions. It allows for transparency reduces human error, embezzlement or fraud, and time wastage. The App focuses on “small-scale chamas” or “groups,” eliminating ordinary meetings and cumbersome paperwork.
THE SCOPE OF DATA
HOW WE COLLECT INFORMATION
We want to inform you that your data are collected when:
INFORMATION WE COLLECT AND USE
Uses and Retention
Our mission is to improve our Services and constantly provide you with new experiences. As part of this mission, we use your information for the following purposes:
Unless otherwise specified, we retain information as long as it is necessary and relevant for us to achieve the purposes referred to above or to enable us to comply with our legal data protection retention obligations. Upon deactivation of your account, we will minimize the personal data we keep about you only to such data that we must keep to comply with laws or other legal reasons. We may keep activity data on a non-identifiable basis to improve our services. Your posts on public accounts, communities, and channels may remain available if you do not delete them.
In situations where MyChama mobile applications (“MyChama Apps”) are acquired from other sources than Google Play, You may share the names, numbers, and email addresses contained in Your address book (“Contact Information”) with MyChama by enabling the MyChama Enhanced Search Functionality. The MyChama Apps are acquired from Apple App Store or Google Play; we do not share any user Contact Information.
We work with third-party providers to help us operate, provide, improve, understand, customize, support, and market our Services. For example, we work with companies to distribute our apps, provide our infrastructure, delivery, and other systems, process payments, help us understand how people use our Services, and market our Services. These providers may provide us information about you in certain circumstances; for example, Safaricom may provide us with reports to help us diagnose and fix service issues.
HOW WE USE INFORMATION WE COLLECT
We use all the information we have to help us operate, provide, improve, understand, customize, support, and market our Services.
2. Safety and Security: We verify accounts and activity and promote safety and security on and off our Services by investigating suspicious activity or violations of our Terms and ensuring our Services are being used legally.
3. No Third-Party Banner Ads. We do not allow third-party banner ads on MyChama. We have no intention to introduce them, but we will update this policy if we ever do.
PERSONAL AND GROUP LOANS
We do not offer loans as a company, but groups registered to offer various public and individual loans linked to various groups. Under the chairmanship of the Chairperson, Secretary and Treasurer, the groups may opt to offer loans at their own given period, not less than one-month repayment with attached loan interest.
We may receive and/or collect information via an API (Application programming interface) and use the same to our website to operate and provide our Services, including when you install, access, or use our Services.
Due to the kind of information collected by us, the User should act in good faith, exercise reasonable care and diligence, and be solely responsible for the confidentiality of his account details, debit card details, OTP, PASSWORD, or PASSCODE and any personal information (“credentials”). The User acknowledges, represents and confirms that his credentials are personal to them. The User shall ensure at all times to keep the same confidential. We shall not be held liable or responsible if the User discloses his credentials to any third party in any manner whatsoever or authorizes any third party to operate an account or hands over their App or if third-party changes/modifies the credentials in the App or website due to disclosure of such credentials by the User or misuse of the application permitted by User to use by the third-party. Therefore, we shall not be held liable or responsible in case of any details including credentials and PASSCODE are compromised by User and/or any misuse of MyChama application by the third-party; in such case, the User shall be solely liable and responsible and shall keep MyChama indemnified, harmless and absolved from any liability in this regard including from any loss, cost, penalty, charges, including legal fees/charge, etc.; which may cause to MyChama due to User’s disclosure of his credentials/ PASSCODE to any third party/person or any misused thereof in any manner whatsoever including the misuse of MyChama Application by the third-party. The User shall be solely liable and responsible if the said details are compromised by the Customer knowingly or unknowingly, in any manner whatsoever.
Legality and Law
2. Law And Protection: We may collect, use, preserve, and share your information if we have a good-faith belief that it is reasonably necessary to: (a) respond pursuant to applicable law or regulations, to legal process, or to government requests; (b) enforce our Terms and any other applicable terms and policies, including for investigations of potential violations; (c) detect, investigate, prevent, and address fraud and other illegal activity, security, or technical issues; or (d) protect the rights, property, and safety of our users.
1. Your Rights. MyChama does not claim ownership of the information you submit for your account or through our Services. You must have the necessary rights to such information that you submit for your account or through our Services and the right to grant the rights and licenses in our Terms.
2. MyChama’s Rights. We own all copyrights, trademarks, domains, logos, trade dress, trade secrets, patents, and other intellectual property rights associated with our Services. You may not use our copyrights, trademarks, domains, logos, trade dress, patents, and other intellectual property rights unless you have our express permission except in accordance with our Brand Guidelines.
4. MyChama License to You. We grant you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to use our Services, subject to and in accordance with our Terms. This license is for the sole purpose of enabling you to use our Services in the manner permitted by our Terms. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you.
MANAGING YOUR INFORMATION
If you would like to manage, change or limit, we allow you to do that through the Settings tool. You can change your Services settings to manage certain information available to other users, like changing your Mobile Phone Number, Profile Name and Picture, joining and leaving groups and membership of groups. You may delete your MyChama account at any time (including if you want to revoke your consent to our use of your information) using our in-app delete my account feature.
P.O. BOX 919 – 00902
+254 (0) 745 610 062
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