This Privacy Policy explains how FADEMO Social Fund ("FADEMO", "we", "us", or "the system") handles information from users of our website, mobile app, and related services, including membership, investments, payments, benefits, referrals, work reports, and other FADEMO services.
1. Information We Collect
We may collect information you provide directly or information generated when you use the system, including:
- Name, phone number, email address, address, profile photo, and account details.
- Individual or organization registration details, including referral or affiliate codes where applicable.
- Membership records, contribution payments, share investments, interest/profit requests, and benefit claims.
- Payment details, receipts, transaction history, bank/mobile payment references, and uploaded attachments.
- Security information such as PIN, session tokens, login/logout time, and system activity records.
- Device or network information such as IP address, browser/app version, and error logs for security and support.
2. How We Use Information
We use your information to:
- Create, verify, and manage your account.
- Process payments, contributions, investments, interest/profit requests, benefits, and receipts.
- Provide dashboards, reports, notifications, live tracking, and transaction history.
- Improve system security, prevent fraud, and resolve technical issues.
- Contact you about your account, requests, payments, or important service updates.
- Meet legal, accounting, administrative, and audit requirements related to our services.
3. Payments and Financial Records
FADEMO may store payment records, including amount, date, status, payment method, reference number, and receipts. These records are used to verify payments, prepare reports, and support approval workflows where required.
4. Attachments and Uploads
If you upload images, PDFs, receipts, or other documents, the system may store them to complete your request, verify payment, or allow authorized workflow reviewers to inspect the request. Please do not upload unnecessary or unrelated personal information.
5. Sharing Information
We do not sell your personal information. We may share information only when needed with:
- Authorized internal users such as accountants, investment officers, superadmins, or relevant staff.
- Service providers that support payments, hosting, SMS, email, or technical support.
- Legal, security, audit, or regulatory authorities where required by law or valid process.
6. Security
We use technical and administrative controls to help protect your information, including login verification, PIN/password protection, session locking, role-based access, and permission controls. However, no internet system can be guaranteed to be 100% secure.
7. Data Retention
We retain information for as long as needed to operate the service, keep accounting records, process requests, resolve disputes, and meet legal requirements. Information that is no longer required may be deleted or reduced according to FADEMO procedures.
8. Your Rights
You may request help to:
- Review or correct your account information.
- Update your phone number, email, or other important details.
- Receive clarification about how your information is used in the system.
- Close or delete your account where possible under applicable law and FADEMO procedures.
9. Account Deletion
You may request deletion or closure of your FADEMO account by contacting FADEMO through the official support channels shown on the website or inside your account. To protect members and prevent unauthorized deletion, FADEMO may verify your identity before processing the request.
Account deletion may remove or deactivate your profile, login credentials, app access, notifications, and optional profile information. Some records may be retained where required for legal, accounting, audit, security, payment, membership, investment, benefit, dispute-resolution, or regulatory purposes.
10. Data Deletion
You may request deletion, correction, or restriction of personal data that is no longer needed for FADEMO services. Requests are reviewed according to applicable law and FADEMO procedures.
Financial records, receipts, contribution records, investment records, benefit claims, book purchases, reports, and related audit records may be retained for legitimate business, legal, tax, security, and compliance purposes even after account closure.
11. Children
FADEMO services are intended for users who can lawfully use membership, financial, or representative services. We do not knowingly collect children's information without a valid basis or required consent.
12. Changes to This Policy
We may update this policy as our services or legal requirements change. The latest version will be posted on this page with the updated date above.
13. Contact
For questions about this policy, account deletion, data deletion, or your information, please contact FADEMO through the official contact channels available on our website or inside your account.
Sera hii ya Faragha inaeleza namna FADEMO Social Fund ("FADEMO", "sisi", au "mfumo") inavyoshughulikia taarifa za watumiaji wa tovuti, app, na huduma zinazohusiana na uanachama, uwekezaji, malipo, mafao, referrals, taarifa za kazi, na huduma nyingine za FADEMO.
1. Taarifa Tunazokusanya
Tunaweza kukusanya taarifa unazotupatia moja kwa moja au zinazotokana na matumizi ya mfumo, zikiwemo:
- Jina, namba ya simu, barua pepe, anuani, picha ya profile, na taarifa za akaunti.
- Taarifa za usajili wa mtu binafsi au taasisi, ikiwemo affiliate/referral code pale inapohusika.
- Taarifa za uanachama, michango ya ada, uwekezaji wa hisa, maombi ya faida/riba, na mafao.
- Taarifa za malipo, risiti, kumbukumbu za miamala, bank/mobile payment references, na viambatanisho unavyopakia.
- Taarifa za usalama kama PIN, tokeni za session, muda wa kuingia/kutoka, na kumbukumbu za matumizi ya mfumo.
- Taarifa za kifaa au mtandao kama IP address, browser/app version, na logs za hitilafu kwa ajili ya usalama na support.
2. Tunavyotumia Taarifa
Tunatumia taarifa zako kwa madhumuni yafuatayo:
- Kufungua, kuthibitisha, na kusimamia akaunti yako.
- Kushughulikia malipo, michango, uwekezaji, faida/riba, mafao, na risiti.
- Kutoa dashboards, reports, notifications, live tracking, na historia ya miamala.
- Kuboresha usalama wa mfumo, kuzuia udanganyifu, na kutatua matatizo ya kiufundi.
- Kuwasiliana nawe kuhusu akaunti, maombi, malipo, au mabadiliko muhimu ya huduma.
- Kutekeleza matakwa ya kisheria, kiuhasibu, na kiutawala yanayohusiana na huduma zetu.
3. Malipo na Taarifa za Fedha
FADEMO inaweza kuhifadhi kumbukumbu za malipo yako, ikiwemo kiasi, tarehe, status, njia ya malipo, reference number, na risiti. Taarifa hizi hutumika kuthibitisha malipo, kuandaa reports, na kufuatilia approval workflow pale inapohitajika.
4. Viambatanisho na Uploads
Ukiweka picha, PDF, risiti, au documents nyingine, mfumo unaweza kuzihifadhi ili kukamilisha maombi yako, kuthibitisha malipo, au kuwezesha ukaguzi wa wahusika waliopo kwenye workflow. Tafadhali usipakie taarifa zisizohitajika kwa huduma husika.
5. Kushirikisha Taarifa
Hatufanyi biashara ya kuuza taarifa zako binafsi. Tunaweza kushirikisha taarifa pale tu inapohitajika kwa:
- Wahusika wa ndani wenye mamlaka, kama mhasibu, afisa uwekezaji, superadmin, au staff husika.
- Watoa huduma wanaosaidia malipo, hosting, SMS, email, au support ya kiufundi.
- Matakwa ya sheria, usalama, ukaguzi, au amri halali kutoka mamlaka husika.
6. Usalama wa Taarifa
Tunatumia hatua za kiufundi na kiutawala kusaidia kulinda taarifa zako, zikiwemo uthibitishaji wa login, PIN/password, session lock, role-based access, na udhibiti wa ruhusa. Hata hivyo, hakuna mfumo wa mtandao unaoweza kuhakikishiwa usalama wa asilimia 100.
7. Uhifadhi wa Taarifa
Tunahifadhi taarifa kwa muda unaohitajika kuendesha huduma, kutunza kumbukumbu za uhasibu, kushughulikia maombi, kutatua migogoro, na kutimiza matakwa ya kisheria. Taarifa zisizohitajika zinaweza kufutwa au kupunguzwa kadri sera na taratibu za mfumo zinavyoruhusu.
8. Haki Zako
Unaweza kuomba:
- Kupitia au kusahihisha taarifa zako za akaunti.
- Kusaidiwa kubadilisha namba ya simu, email, au taarifa nyingine muhimu.
- Ufafanuzi kuhusu taarifa zako zinazotumika kwenye mfumo.
- Kufungwa au kufutwa kwa akaunti pale inapowezekana kwa mujibu wa sheria na taratibu za FADEMO.
9. Kufuta Akaunti
Unaweza kuomba akaunti yako ya FADEMO ifutwe au ifungwe kwa kuwasiliana na FADEMO kupitia njia rasmi za msaada zilizo kwenye tovuti au ndani ya akaunti yako. Kwa usalama wa mwanachama, FADEMO inaweza kuthibitisha utambulisho wako kabla ya kushughulikia ombi hilo.
Kufuta akaunti kunaweza kuondoa au kusitisha profile yako, taarifa za kuingia, matumizi ya app, notification, na taarifa za ziada za profile. Baadhi ya kumbukumbu zinaweza kuendelea kuhifadhiwa pale zinapohitajika kwa sababu za kisheria, uhasibu, ukaguzi, usalama, malipo, uanachama, uwekezaji, mafao, migogoro, au matakwa ya mamlaka husika.
10. Kufuta Taarifa
Unaweza kuomba taarifa binafsi ambazo hazihitajiki tena kwenye huduma za FADEMO zifutwe, zirekebishwe, au matumizi yake yazuiliwe. Maombi hupitiwa kulingana na sheria husika na taratibu za FADEMO.
Kumbukumbu za fedha, risiti, michango, uwekezaji, maombi ya mafao, manunuzi ya vitabu, ripoti, na kumbukumbu za ukaguzi zinaweza kuhifadhiwa kwa sababu halali za biashara, sheria, kodi, usalama, na utekelezaji wa matakwa ya kisheria hata baada ya akaunti kufungwa.
11. Watoto
Huduma za FADEMO zinalenga watumiaji wenye uwezo wa kisheria kutumia huduma za kifedha, uanachama, au uwakilishi kupitia mlezi/taasisi pale inapohitajika. Hatukusanyi kwa makusudi taarifa za watoto bila msingi halali au idhini inayohitajika.
12. Mabadiliko ya Sera
Tunaweza kubadilisha sera hii kadri huduma zinavyobadilika au sheria zinavyohitaji. Toleo jipya litawekwa kwenye ukurasa huu, na tarehe ya mwisho kusasishwa itaonyeshwa juu.
13. Mawasiliano
Kwa maswali kuhusu sera hii, kufuta akaunti, kufuta taarifa, au taarifa zako, tafadhali wasiliana na FADEMO kupitia njia rasmi za mawasiliano zilizopo kwenye tovuti au ndani ya akaunti yako.